23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with many people at XXXX, XXXX, XXXX XXXX XXXX, XXXX regarding a wage garnishment issue. Once that was taken care of I was informed of another file they have for me. The file is for a judgement from XXXX. In XXXX, my bank account was frozen and I had it unfrozen because I was living alone raising a child. I was very naive at the time under the impression I would be notified at a later date to resolve the issue with the debtor. Well over the years, 17 years to be exact I had forgotten all about it since I was never contacted. Now in XXXX, I am being informed by XXXX, XXXX, XXXX XXXX XXXX, XXXX I owe over {$14000.00} on this judgement from XXXX and the only way I found out was because I was calling about another issue. The I was asked if the my contact number was still the same and I was provided a number that I have not had the use of since the year XXXX. I want proof that there was an attempt to contact me over the past 17 years. I find it unreal that a company has held onto this debt and has charged me interest daily for all this time but couldn't locate me to try to collect the money. Also, I asked to try to resolve this issue and was told the client will only accept a lump sum amount. There has to be a way to have proof that there has been an attempt to locate me and a reason why I can't try to make this right after 17 years. I know I owe the money, but I feel as if they are just trying to break me after all these years of no contact by demanding a lump sum payment to clear it.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I deposited my pension check for {$340.00} into my Chime account. I deposit it every month. Chime advertises same day deposits. I was expecting it in at least 24 hours. 2 days later still no deposit. In the past the company would release half of the deposit and hold the remaining portion, which is still odd. I reached out to customer service several times and they keep saying my check cleared but is on hold so it doesnt bounce!!!!! This makes absolutely no sense. The said they would escalate and have someone contact me in 4 hours!
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 an credits this issue aligns with the recent cfpb finding against navy federal 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
Product: Bank account or service

On XX/XX/XXXX, I called Bank of America regarding a debit to my account of {$200.00} from XXXX XXXX Card Services. I asked if the item would be returned before my direct deposit cleared on XX/XX/XXXX. The representative told me I would be charged a fee but it would not be returned. It was returned. I was charged not an overdraft fee, but a fee of {$35.00} for a returned item. What I have requested is that they not take my word for it, but review the recorded conversation between myself and the rep and supply me in writing that it was her error and not mine so I can forward it to my credit card company. I had XXXX choices, I could have deposited the {$200.00} or declined the extended credit limit from XXXX. One of the supervisors I talked to hung up on me ( although she noted " disconnected '' ). I was on a landline. We were not disconnected and she did not try to call me back. The next supervisor/manager I talked to continuously talked over me, repeating the same thing as if I were illiterate instead of listening to me and answering what I was asking her.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I request for the items listed in this report to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wanted my credit report to show only what's correct and accurate. However, I still see those same negative accounts popping up on my files over and over, despite disputing them with the consumer reporting agencies since XXXX. There's even one negative account that's already been removed in XXXX but is still showing up in XXXX and Equifax. How did they miss that information? The fact that they were all reporting to one furnisher of information This incoherent report from them is disheartening on my part because it has lowered my credit scores.
Product: Debt collection

Received random call female left voicemail stating personal information about me and I owe Citibank money. I do not have a Citibank bank card. I returned number to clarify this misinformation. I called from other device and when I was connected and given reference number. A female then transferred me to a male stating my social security which I refused to supply and the male said I owe Citibank money and were coming to my home address within the hour to collect. I refused any information and denied having a Citibank card. The male told me to XXXX XXXX. I then replied this is a scam and I would be reporting this information immediately. The phone number came from XXXX florida XXXX.
Product: Debt collection

I received a phone call today from XXXX services threatening me with an arrest warrant for a payday loan from 2007 from the state of Illinois.
Product: Debt collection

Portfolio Recovery keeps calling non stop. When they said all communication would stop. Harassment calls. Stop and then start back calling then from unknown phone numbers. Also trying to use different phone number in different people name. Calling asking questions like it is another company. Trying to run credit on myself.
Product: Student loan

I have been trying for years to determine how my loans have the interest rate they purport to have because I do not believe it is correct. When I spoke with my loan servicer, I was advised to contact the department of education. When I contacted the department of education, they told me to contact my loan servicer. I was finally able to obtain a marginal print-out of my student loans but it STILL does not contain the ( 1 ) actual notes indicating the interest rate, and ( 2 ) it also failed to show some of the interest rates on my loans claiming that the interest rate is variable. Last year, I found a major discrepancy in how my interest was being capitalized which led to an approximate {$14000.00} modification to my outstanding loans. I want to make sure that the proper interest rate is being applied to my loans. 
Moreover, I want to confirm that the principal on my loans are correct as well. 
All avenues that I have tried have failed to provide me with : -proof of the interest rate ( as it was upon execution with my loan documents ) ; -proof of principal ( as it was upon execution with my loan documents ). 

I can not understand why no one can provide me with a copy of my loan documents, and also provide me with proof of my interest rates. 

I will pay the debt I owe, but I believe I am being overcharged. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent an email to XXXX  asking " Do they report bankruptcies to any credit bureaus, or third parties. '' And I received a letter back from them saying, They do not report to any bankruptcies to any credit bureaus or third parties. So if thats the case. How did the credit bureaus verify that my bankruptcy is 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or which others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

According to 15 U.S.C. 1681 Action 602 A. States I have a right to privacy.

According to 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.

According to 5 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against University Accounting Service ( UAS ). On Monday, XX/XX/XXXX I received an alert from experian that my credit score had decreased. Upon checking, it said XXXX University had reported late payments. I was not sure what this was about. After much investigation on my own end, I realised that XXXX University held my Federal Perkins loans. When I graduated last year and I sat down with my financial/loan adviser at school I was told all my loans were serviced by XXXX. I have been in touch with this servicer and was advised that payments are suspended and interest accrued is 0 % during these difficult times. I believe this to apply across board, including to my Perkins loans. Upon realising that XXXX University is a servicer, I contacted them via phone and email, but to no avail. I wanted to know how to pay the amount due, how to process this report, and just any help to get some answers, but no one returned my calls or responded to my email. Moreover, before reporting me to the credit bureau for late payments they did not as much as send me an email telling me that my payment is due, or that I am in repayment. There was literally no way for me to know this information, other than me spending hours trying to figure this out after my credit has been ruined.I ended reporting XXXX University in order to rectify this situation. 
This Monday I received an email from XXXX University where I was informed that UAS is my loan servicer for the Perkins Loan and I should contact them. 
Upon calling UAS I am told that they were mailing notices to an address on file from ten years ago, which is not even in the USA -although they did have my current mailing address on file. Not only this, they also did not apply the three month forbearance due to COVID-19 to my loan which puts my first payment due in XXXX. So not only was I NOT late on any payments, I was also wrongly reported. When I asked them to fix this situation, they asked me to dispute it with a credit bureau and told me they couldn't fix it on their end -although they had ruined my credit by inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Letter of Inquiry Removal Request under FCRA 15 U.S. Code 1681n Dear sir or madam, I hope this letter finds you well. My name is [ Your Name ], and I am writing to request the removal of certain inquiries from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n. The inquiries in question were made by various institutions and are listed below : INFORMATIVE- Miscellaneous, Date : XX/XX/XXXX XXXX  - Finance, personal - Date : XX/XX/XXXXXXXX XXXX XXXX Finance, personal - Date : XX/XX/XXXX XXXX XXXX  - Finance other than personal - Date : XX/XX/XXXX XXXX XXXX - Miscellaneous and public record - Date : XX/XX/XXXX XXXX XXXX  - Finance other than personal - Date : XX/XX/XXXX XXXX XXXX - Automotive - Date : XX/XX/XXXX I understand that the FCRA grants consumers the right to dispute and request the removal of inaccurate or unverified information from their credit reports. After carefully reviewing my credit report provided by TransUnion, I have noticed that the above-mentioned inquiries were conducted without my explicit consent or knowledge. 

According to the FCRA, credit inquiries should only be made with the consumer 's permission or for legitimate business purposes, such as credit application processing or account monitoring. In this regard, I would like to assert that I have not authorized any of the inquiries mentioned above, nor do I have any prior affiliations or business dealings with the respective entities. 

Given the circumstances, I kindly request that TransUnion conduct a thorough investigation into these inquiries and verify the legitimacy and accuracy of each one. If it is found that any of the inquiries were indeed made without proper authorization or valid business reasons, I urge TransUnion to promptly remove these inquiries from my credit report. 

To assist you in your investigation, I have enclosed a copy of my credit report with the disputed inquiries highlighted for your reference. 

Please provide me with written confirmation of the receipt of this letter and the commencement of the inquiry removal investigation. Additionally, I request that you keep me informed about the progress of the investigation and any outcomes that may arise from it. 

I understand that you are required to complete your investigation within 30 days of receiving this letter, as mandated by the FCRA. Therefore, I look forward to a timely resolution of this matter. 

Thank you for your attention to this request. Should you require any further information or documentation to facilitate the investigation, please do not hesitate to contact me at the provided contact information. 

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

CITIMORTGAGE INC Failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw
Product: Credit card

I had contacted Discover card explaining the temporarily financial experience I had encountered XX/XX/XXXX, Due to a death in the family, that set me back. XX/XX/XXXX without my permission or knowledge Discover card applied my deposit funds to my balance on my account. I have had my Discover it card since XX/XX/XXXX, with current payments. And this one time I need help in asking for assistance to keep my account active and open. I find out this morning via live chat. That my account had been closed. I was inquiring about how much I needed to bring my account back to it 's original available balance of {$500.00}. XX/XX/XXXX.
Product: Checking or savings account

XXXX, XXXX, XXXX and XXXX were taking out money from my account month after month for XXXX months and I have called BOA on numerous occasions telling them I have tried canceling all my services and they were still charging me. They said they would block them from being able to charge me but it still continues to occur. All dates for these withdrawals are attached in photos.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote these companies several times about the XXXX XXXX account reporting open on Equifax but closed and charged off as bad debt on XXXX. They are reporting different dates and different balances. To my knowledge this is a violation of the FCRA. The creditor keep giving reporting agencies inaccurate financial information about me. Inaccurate balance, reporting that my account is active after it was closed, reporting unknown consecutive payments when the account has been charged off.
Product: Credit reporting or other personal consumer reports

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

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 Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXXXXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

An unidentified vendor has been charging my checking account {XXXX}, every week since XXXX/XXXX/XXXX. I have n't been able been able to identify who the vendor is. On my Bank of America checking account, it just says the following : XXXX ( 4-digit date, i.e. " XXXX '' ) Social Payments XXXX CA ( transaction number, i.e. " XXXX '' ) Please help! I thought this might be for social media, but it does n't appear to be connected to any of the other accounts I currently pay for ( like XXXX or XXXX ). 

Thanks for any help you can provide.
Product: Debt collection

This company AXCSSFN/CNGO has made 12 Derogatory marks on my credit. No Documentation was provided to me about this account. I would like to have these 12 charge offs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle lease through NMAC ( Nissan Motors Acceptance Corporation) for 36 months, my lease ended XX/XX/2019, I had called Nissan several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXXand XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019( still within my grace period). About 3 weeks later I received several phone calls from a rude agent named XXXX  from Nissan Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to Nissan. After going back and forth with me for several minutes I decided that I didn’t like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that NMAC reported a late payment (30 days past due) to all 3 credit bureaus; at this point, I was livid I called NMAC again the representative told me that I have never been late and he does not know what I’m talking about. All the employees are so rude ( XXXX, XXXX) and do not care to properly answer any of the questions asked by the customer.  It is unfortunate that a big company like NMAC chooses to report fraudulent information on people’s credit report. NMAC is nothing but FRAUD FRAUD FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX XXXX  Collection Account : XXXX 15 USC 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 account without my instructions
Product: Vehicle loan or lease

This is in regards of a letter that I received from TD auto finance stating that they are going to share my personal information with their affiliates and others, and there is nothing I can do about it. On XX/XX/year> I've spoke to representative XXXX to let her know that I do NOT want TD auto finance to share my personal information with anyone without my consent. XXXX just hang up my phone call, and did not help me with my complaint. This is an unfair treatment, and an abuse by TD auto finance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX
Product: Debt collection

Consumer Adjustment Co bought an old payday loan that had already been on my credit report & paid off over a year ago & theyre REPORTING IT AS NEW & ruining my credit when Im looking for an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how Equifax, XXXX and XXXX  's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX  XXXX, XXXX XXXX XXXX
Product: Debt collection

Cc : Attorney General in Texas To Whom It May Concern : I am requesting proof of the accounting and documentation required under Texas XXXX XXXX XXXX and XXXX statutes. I have been unable to have an account because of a supposed deficiency from a repossession that you reported on my credit report on XX/XX/2018, Account number # XXXX. I am asking you toremovethe repossession off my credit report. 

The laws of Texas and the Federal UCC require a full accounting of the sale and any deficiency. If the sale was not conducted in a commercially reasonable manner, or if I was not given full notice and accounting as required by Texas law, you are liable under the FCRA, for any damages caused by your agent ( TX ) s fraudulent reports to the credit bureaus. 

RECOVERY REQUIREMENT : As per UCC, repossession allowed without committing a breach of the peace. Repossesses must hold valid collection agency XXXX XXXX XXXX, Texas XXXX Department of Transportation, Division of Motor Vehicles, XXXX XXXX XXXX, XXXX, TX XXXX XXXX DOCUMENTS REQUIRED FOR LIQUIDATION : Title must be in lien holder 's name. Forward application for title accompanied by a certified copy of the security agreement and an affidavit of repossession. 

PLATES : Remain with the debtor. 

The company 's failure to provide me with verifiable proof required for by your company and The laws of Texas and the Federal UCC to post the accounts listed is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts.