23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My previous complaint XXXX, I learned that this debt was from XXXX XXXX XXXX XXXX that I had from XXXX. Portfolio Revovery Assoc by their own admittance said that the statue of limitations limits PRA 'S ability to pursue the debt but does not prohibited PRA from contacting consumer. So they stated they purchased this bad debt XX/XX/XXXX & over 7 years later XX/XX/XXXX files & gets a wage garnishment. Without serving me notice. Is this yet another illegal tactic of PRA as in the past where they were fined over 24million for violations on collecting old debt, for not providing documentation to consumers etc. Of that 24 million half was given back to consumers. I believe the Federal Trade Commission needs to reinvestigate as there are still more consumers out there such as myself that have been sued over old debt & now my wages are being garnished. I demand that PRA cease and desist the garnishment of my wages and I would like an investigation into their yet again illegal tactics.
Product: Debt collection

Wish to file an official complaint against the following Debt collector XXXX XXXX XXXX XXXX XXXX. 
for years of harassing me to collect a debt that was already discharged, this company has been an alliance with Debt collector XXXX XXXX XXXX harassing and terrorized me for decades. 
Attached are the constant never ending letters that it deeply effects my mental capacity just wondering what these people are after for if Chase bank n XXXX XXXX XXXX  already released my mortgage debt.
Product: Credit reporting or other personal consumer reports

I updated my address information over the phone with a rep, back in XXXX. I then made an online purchase using my XXXX charge and XXXX cash. However, they still shipped the purchase to an old address. Its taken me 3 months to get this rectified, because every time I had to call and speak with someone to get the late fees and interest charges refunded, the reps never completed the tasks. In addition, I still dont have my XXXX cash reimbursed. This is horrible customer service, and as an XXXX XXXX XXXX woman, this is making me very feel like they are taking advantage of XXXX  citizens. Aside from this runaround, I found out today that XXXX reported to the credit bureaus that my payment was late, which has affected my credit score. I never received the product, its taken me months to finally get the interest and late fees reversed, and Im having to call for every little thing one by one, because not a single person has done the job completely. When I called to let them know I hadnt received the package, they said I had to wait on the refund until the package was returned to them. So, I had to call back to make sure they got it, but they still charged me for it. Then I had to call back again for a refund. They took forever to do that, but still charged me for interest and late fees. I had to call back AGAIN for them to reverse it, and when they finally did, I still didnt get my XXXX  cash reimbursed. So, I called back AGAIN and they said it would be reissued on the app. I dont see it. These people need new training on how to complete the job and not give customers the runaround. The worst part is, they had the nerve to report my payment late! So, no product received, getting the runaround, plus late payment reported and my XXXX cash isnt reimbursed. At this point I deserve a gift card for the hassle! Good grief!! I want the late payment report reversed and I want my XXXX cash reimbursed and also something for putting this XXXX XXXX XXXX woman through XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquires I do not recognize. I have contacted both CRAs, and that refuse to dispute or investigate the inquires. Attached is an FTC report indicating all of the unauthorized inquires ( including in the personal statement section ) that should be removed from my credit profile. 

15 U.S.C. 1681b ( c ) Furnishing reports in connection with credit or insurance transaction that are not initiated by consumer ( 3 ) information regarding inquires. Except as provided in section 15 USC 1681 ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCOUNTS that need to be removed from my file : CHILD SUPPORT ENF AG/N XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX {$33000.00} ; U S DEPT OF EDXXXX XXXX Balance : {$38000.00} XXXX
Product: Student loan

In XX/XX/2017, I submitted a complaint against this company ( Case number XXXX-XXXX ) regarding miscalculations of payments they had made on my loan payments. They continue to make errors on my loans and cause harm to me financially. 


Today, I received an email that my loan payments will be going up over {$100.00} per month due to Navient 's error of supposedly not applying capitalized interest from a forebearance to my loans when they entered repayment. Apparently, the " close review '' they did of my account in XX/XX/2017 didn't catch this error. Now, SIX YEARS into repayment I am told I owe more money and they are going to take it. This is ludicrous! If this kind of debt collection practice is allowed, what is to stop this company from reaching out to borrowers decades after they begin repayment and allege the borrower owes more? Four of my loans have been paid in full ; are they going to come back and tell me that they were wrong in that calculation and proceed as if I never paid anything? This can not be legal, and it must not be allowed. IF there was an error, which I doubt as I see an application of over {$2000.00} of capitalized interest to my loans on the date repayment began, Navient should have to eat the loss for their own error.
Product: Checking or savings account

On XX/XX/2020,, Continued Issues,,, Wells Fargo Bank Have'nt Fixed Any Of My Old Issues Or The New Ones Either, This Is So UnAcceptable,, And Un Business Like,, I Have'nt Heard A Responsive From This Company In While,, On The Settlement website,, They Said That they Was Sending Out As Settlement Checks The End Of XXXX Thru XXXX,, I Have, not Received a Payment Yet????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened and or signed for the note loan under the account number in question with XXXX that is being reported on EXPERIAN and XXXX. When notifying XXXX of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX, EXPERIAN and XXXX. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX deleted the information while EXPERIAN and XXXX verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX XXXX reported to EXPERIAN and XXXX that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified XXXX, EXPERIAN and XXXX that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

XXXX, EXPERIAN and XXXX continue to report this account with a balance of {$0.00}.
Product: Credit reporting

I have items on my credit that does not belong to me. The only thing that should be on my credit report that I know is right is student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/XXXX. {$21.00} past due amount. Called Navy Federal to let them know that wife and I got XXXX XXXX  XXXX  and were extremely XXXX  and completely forgot to make payment on my checking line of credit. We were pretty much XXXX  for over a month and was unable to even go to work and at the same time my wife had been unemployed for over a year ( starting XX/XX/XXXX ). We have so far made all the past due payments and I called them and explained to them the situation and to ask them to remove late payment from my account but they said they are unable to do so even if I explained to them that were were affected by XXXX
Product: Credit reporting

Date:XX/XX/2016 XXXX : XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : These are the only XXXX addresses that I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX And XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX , XXXX XXXX Please remove all the other addresses off my report. They are not correct. 
I have never lived at the XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX. Driver License and Proof of Residence
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX, and I am filing this complaint against XXXX XXXX XXXX XXXX and its legal representatives, XXXX XXXX XXXXXXXX XXXX, for their unfair and deceptive debt collection practices. I am currently facing an unjust default judgment and wage garnishment proceedings due to their failure to provide proper notice and an opportunity for me to respond in court. 

On XX/XX/XXXX, OneMain Financial initiated a lawsuit against me in the Special Civil Part of XXXX XXXX, New Jersey, under case number XXXX XXXX, seeking to recover {$1500.00}. Without properly notifying me of the lawsuit, OneMain Financial obtained a default judgment against me on XX/XX/XXXX. This judgment was issued without my knowledge, denying me the opportunity to present my defenses or negotiate a settlement. As a result, OneMain Financial is now pursuing wage garnishment, with a hearing scheduled for XX/XX/XXXX. 

I have made several attempts to vacate the default judgment, but each of my motions has been denied. I first filed a motion to vacate on XX/XX/XXXX, which was denied by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I then filed a motion to reconsider on XX/XX/XXXX, but although the court initially granted it on XX/XX/XXXX, the decision was later reversed without clear justification. Most recently, I submitted another motion to vacate on XX/XX/XXXX, which is scheduled for review on XX/XX/XXXX. Despite my repeated efforts to challenge the unfair judgment, the court has refused to provide me with a fair opportunity to present my case.

In addition to denying me due process, OneMain Financial has engaged in aggressive and unreasonable collection tactics. When I attempted to negotiate a reduced settlement amount, they outright refused. Their attorneys have also misrepresented facts in court and have consistently worked to block my attempts to have the judgment reconsidered. Their actions have caused me significant financial and emotional distress, as I now face potential wage garnishment without having had a fair chance to defend myself.

To support my complaint, I am providing documentation, including the court case summary, copies of my motions and responses, correspondence with OneMain Financial and its attorneys, and any additional evidence showing their failure to provide proper notice. I respectfully request the CFPBs assistance in ensuring that my rights as a consumer are protected and that I am given the fair due process I was denied in this matter.
Product: Credit card

Navy Federal unexpectedly closed my credit card, despite it being in good standing and having a solid payment history. I was left bewildered, as they did not offer any explanation for the abrupt closure. Each time I reached out to speak with a representative, they seemed equally puzzled and reiterated that they could not comprehend the reason behind the decision. This lack of clarity and communication added to my frustration and confusion regarding the situation. 
I recently found myself in a difficult situation after unexpectedly losing my job. In an effort to manage my finances, I reached out to my credit card company to request a lower repay rate on my larger outstanding balance. I took the time to explain my circumstances and the financial hardship I was experiencing, hoping they would understand and provide some relief. Unfortunately, despite my detailed explanation, they ultimately declined to offer any assistance in lowering the rate. Not only that, but I received assistance in paying my mortgage, only to find that Navy Federal took the funds and applied them directly to my balance. When I reached out for clarification, they informed me that they could only refund a fraction of the total amount, despite my explanations that I had borrowed this money specifically to cover my mortgage payment. It felt incredibly frustrating and disheartening to see my hard-earned money so unceremoniously absorbed, leaving me in a more precarious financial position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Advance Resolutions Services , Inc on XX/XX/2021 located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX and they received my letter via certified mail on XX/XX/2021. I requested that they mail me a copy of my consumer disclosure report and they have failed to do so. I want my consumer report mailed to me immediately as it is my right as a consumer.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 # XXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my Experian credit report XXXX and noticed something are incomplete and inaccurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 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. and according to 15 USC 1681s-2 they are suppose to 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 accounts inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Synchrony bank initializes contract while a patient is in a XXXX XXXX  to start with. 
At the time they disclose payment and a XXXX interest if paid within 24 months but they fail to disclose verbally, in writing or by signed agreement that the payment you have agreed to does not cover the amount required. They post agreement notify you of this on the 1st bill by a date which is after terms have been agreed to. This is a clear bait and switch practice regarding payment terms with a clear intent for deceptive lending practices. The balloon date was also not clear coming up to the date of interest balloon. At the time of balloon, a XXXX interest payment was added to a XXXX  balance. When the bank was contacted the desire was to make this payment in full to avoid the interest payment. When confronted with the issue of failure to disclose this practice at the time of agreement they only stated the notification was sent on the first payment and that I had the right to ask for more information at the time of agreement. I am of full capacity and was mislead by this practice. They in my experience intentionally hid behind small writing buried in a monthly statement without providing a full amortized option, or proper disclosures prior to agreement so that the actual payment was clear
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  : ( Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX for XXXX and Non-compliance 15 USC 1681o Dear Equifax, I hope this letter finds you well. I am writing to address a matter of considerable importance that falls under the subject of civil liability for negligence and non-compliance, specifically concerning the matter outlined under case number 15 USC 1681o. 

Upon reviewing the circumstances surrounding this case, it has come to my attention that there have been instances of non-compliance that have raised significant concerns. It is crucial to highlight that negligence can lead to unacceptable outcomes, including potential harm to individuals and property and significant legal implications for our organization. 

As per our understanding of the situation, the CRA or credit entity violated your rights under the FCRA. This situation not only breaches our obligations but also jeopardizes the trust that stakeholders place in our organization. I believe it is imperative that we take immediate steps to address these issues, ensuring we adhere to all applicable regulations and standards. 

Moving forward, I propose that we convene a meeting to discuss our action plan for rectifying these issues. This meeting would also serve as a forum to discuss preventive measures we can implement to avoid similar situations in the future. Please let me know your available days and times, and I will ensure to arrange for this meeting at the earliest possible convenience. 

I look forward to your prompt response as we work together to resolve this matter responsibly and efficiently. This commitment to accountability and compliance is crucial to maintaining our reputation and operational integrity. 

Thank you for your attention to this serious issue. 

These are the accounts I marked as In accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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 reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.