23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in the process of modification paperwork and was able to call in and make two payments. Unfortunately I first tried to pay these payments over the Pennymacs online system but when you opt for modification it will not allow you to process a payment over the internet. My only option was to call and process them. I called to make two payments and casually mentioned to the agent if I could make these I probably would not need to move forward with the modification process. I was also frustrated I was unable to process these over the internet myself without giving an agent my checking numbers. I then proceeded to give the agent XXXX payment after she processed that she warned me that they would only be able to process 1 payment a day XX/XX/23 so then second would need to processed XX/XX/23 unfortunately. I said okay and continued giving her another checking number. Welp I am being told that payment was considered late and they slapped a 30 day late payment on my credit report. 
on XXXX we received two letters saying both payments were successfully applied to our mortgage account. The agent must have submited through the wrong checking and it never went through. Again something we could have avoided should they let us submit over the internet and not verbally. We did not receive notice that the payment failed and we kept checking to see why the payment was not taken out of one of the accounts and later after receiving credit alert we found out that they said we paid 30 days late. They also said since we canceled our modification it didn't matter when we paid the bill it was considered late. They claim our modification was canceled on XXXX? Im not sure why someone would cancel a modification and then submit a payment they knew would not go through. We are trying to protect our credit and I feel this was done sneakily through our lender. They have been less than helpful during all parts of the financial struggle I have had and less than cooperative during any discussion we have had to fix our account. As of now all payments are made and we are asking this be investigated.
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 information is inaccurate.
Product: Debt collection

In XXXX of XXXX a garnishment was issued by XXXX XXXX for Mark A. Leachman, P.C. collecting on behalf of XXXX XXXX for a loan that was apx. {$400.00}. The garnishment was for {$2100.00} ( 5x the original loan amt. ). 

My checks were garnished from XXXX XXXX to XXXX XXXX of XXXX for a total of {$2100.00}. 

Mark A. Leachman has filed ANOTHER motion to garnish my checks for another {$350.00}. 

I'VE PAID THIS IN-FULL ALREADY!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XX/XX/2020 you reported that my transaction was 30 days late. 
XX/XX/2020 you reported that my transaction was 60 days late. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
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 due to charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair & request an investigation into my account transactions.
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Erroneous activity has been reported multiple times. It is imperative that any unauthorized items are removed within four business days. These process includes verifying my identity, submitting an identity theft report, identifying the relevant information, and confirming that the activity is unrelated to any of my transactions. 
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
Product: Debt collection

Hello, I do remember applying online with Checkintocash and I do have email communication. However, I do not remember if I ever received the funds or whether I have paid or not. This was in XX/XX/2017 - over 6 years ago. I received a voicemail threatening legal action and to contact my job and county. They also said they would be finding my address and workplace in the voicemail. I then called the number because I was confused and they refused to confirm the debt with me. I asked for written verification and they said no. They were past that point. I told them I would like it validated. They said its been sold 2 times and that they wanted to give me a courtesy call before taking a LIEN out on me and unless I agreed to pay, they would not send written verification. They said they would only validate in writing if I verbally agreed to settle. This is so unnerving. Statute of limitations is 5 years. This was over 6 years ago and I feel threatened. Not only did they leave a voicemail with the threat but over the phone they discussed garnishment and liens. I have no idea who this company is. The number or company name who called me on behalf of checks into cash could not be validated.
Product: Checking or savings account

i disputed two transactions made on my Wells Fargo debit account. Transactions dates XX/XX/XXXX in the amount of {$3000.00} and XX/XX/XXXX in the amount of {$3800.00}. Both transactions made to XXXX XXXX. Wells Fargo bank did n't do nothing to get my money back, they gave me a temporary credit of {$4800.00} and than after a month they deducted it back from my account. I disputed this transactions and i want my money back but my bank did n't help me so please help me get my money back
Product: Debt collection

I have been telling this company that this is not my debt and if they think it is then show me proof that it is, a sign contract with my original signature on it and all they sent me was a invoice that is not legal proof of ownership of this debt and the I've demanded for years now that they stop reporting it on my credit report and they won't stop! Enough is enough, The next step is a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra inaccurate information, took more than 30 days no response or call XXXX XXXX, XXXX, XXXX and 1 account with Experian sent ftc, cra violation and po report
Product: Debt collection

I pulled my credit report for XXXX  and XXXX  and both showed and account for CONVERGENT OUTSOURCING INC for the total amount of {$970.00}. I have contacted all 3 companies in an attempt to remove this account from my credit file. I sent a series of four letter requesting the verification of this debt I owe to CONVERGENT OUTSOURCING INC ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all certified. The first 2 were collection account validation letters of which I received 2 responses on XX/XX/XXXX and XX/XX/XXXX with an itemized copy of a XXXX bill will my name on it. I then sent my last 2 letters of I requested validation of the debt under the Fair Debt Collections Practices in addition a copy of Spears Vs. Brennan as an example of how their response does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. I then was sent a fraud packet that looks from XXXX to fill out but to send it back to CONVERGENT OUTSOURCING INC. with a copy of my police report and license. I Never signed a contract with Convergent Outsourcing I have been trying to remove this account from my credit report for months and it just keeps lowering my score and making my file decrease by claiming I set up an instalment agreement to make payments and lowering my score by reporting missed and late payments. The last letter was one that I will start to take legal action so here I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account Number 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 an account without my written instructions
Product: Debt collection

I was called at XXXX XXXX by Westlake Financial regarding a payment that was passed due, not sure if call was being recorded as the Mini Miranda was never read either. After speaking with a manager/supervisor and advising them that they are violating the CFPB guidelines the manager continued to ask if I wanted to setup a payment.
Product: Debt collection

On XX/XX/XXXX, I received notification from my Mortgage Company and received a copy of my XXXX Credit Report, which determined that XXXX XXXX XXXX XXXX placed their credit transaction of {$1500.00} back on my credit report as of XX/XX/XXXX. 

This debt was discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX and should not be reporting on my credit report. I have talked with the creditor who advises that this should not be on my report, but it somehow reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several fraudulent accounts, names and addresses associated with my Equifax credit report the last year and Equifax has failed to remove them. 

I have sent certified mail, faxed as well as called and spoke with a live representative over the phone to no avail. 

3 addresses still show on my credit report that does not belong to me. 4 fraudulent accounts still remain even after sending police report, IC3 report, and FTC Fraud report. 

I am unable to review my report online or dispute items using the online route due to the verification questions asking questions unrelated to my real identity due to the fraudulent accounts and addresses. Due to this, I have to mail in my disputes which takes longer than normal. I have faxed in my ID card and SSN more than a few occasions yet Equifax are continuing to display a mispelled name on my credit report!
Product: Debt collection

Called from XXXX say that they were a process server and we're attempting to serve me for a lawsuit on behalf of 5/3 bank. They gave me this this phone number XXXX. I called and talked to XXXX and I he sent me documents from XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX # ( XXXX ) XXXX. I set up a payment plan but now I can't find any information on the firm and when I search the address nothing shows up.the debt is no longer on my credit report. I've not received any mail from them and I think I've been scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

MULTIPLE LETTERS SENT, NO ACTION OVER MULTIPLE MONTHS
Product: Credit reporting or other personal consumer reports

I filed a dispute with all three credit reporting agencies namely XXXX, Trans Union and XXXX regarding inaccuracies to my credit report. Trans Union removed the following accounts XXXX  XXXX ( XXXX accounts with same first XXXX numbers ) ; XXXX XXXX XXXX XXXX and then reinserted them as accurate. The other reporting agencies namely XXXX and XXXX deleted these accounts as inaccurate. So therefore Fair Credit Reporting Act ( FCRA ) regulates the reinsertion of account information on a consumer 's credit report. A credit reporting agency can only reinsert disputed information if the data furnisher certifies that the information is accurate and complete. The CRA must notify the consumer with XXXX business days of reinsertion. Please furnish me with copies of any and all such certification. 

Additional information. As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. 

( XXXX ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
Product: Mortgage

Homeowners insurance policy was canceled due to Wells Fargos negligence. They did not make the payment on time causing our homeowners to be canceled and not reinstated. Now they want to charge us more to find a new policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a complaint through Experian to have a 30 day late removed from my credit report ( Report Number : XXXX ) I contacted XXXX XXXXXXXX in XXXX to tell them of my hardship during the Coronavirus. 

They allowed me to defer a payment but it later showed up on my Credit Report as a 30 day late for the month of XXXX. 

In the time that I have had this card there has never been any 30 date late entries. I also have another card with XXXX XXXX that has never had any 30 day lates. 

XXXX XXXX denied the complaint but did an update to my file showed the 30 day late in XXXX and showed ND ( No Data ) for the month of XXXX on my report. What does ND mean and why is it there?
Product: Payday loan, title loan, or personal loan

I emailed the company regarding trying to make a payment online and it wasn't letting me. The did respond to me on and told me I needed to call to them. I didn't get a chance to call and was going to make a payment on XX/XX/XXXX and I woke up this morning of XX/XX/XXXX to find my car gone a XXXX XXXX XXXX they also took my XXXX XXXX XXXX. Nothing on my loan account when I log in states my car was going to be repossessed. I did not get anything in the mail that stated my car was going to be repossessed. I would think I would have been notified that if I didn't make a payment or make arrangements or something my car would be repossessed in so many days.My loan payment was past due {$1500.00}. Now I have no way to get to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$2700.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00}.
Product: Credit reporting or other personal consumer reports

FCRA Viloations not mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} XXXX Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
not my addresses XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type XXXX  family XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX type XXXX  family XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX type XXXX family not my phone numbers XXXX not my names XXXX XXXX XXXX XXXX XXXX not XXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt In Question is an AMEX XXXX XXXX Account. The current balance is stated to be {$2500.00}. 

This is a XXXX XXXX for an XXXX, which was signed for by a member of the XXXX. My SS XXXX was used erroneously. I have contacted the company and disputed with all XXXX bureaus to no avail. 

They are refusing to delete this account even though it is inaccurate. 

I have also repeatedly asked them to not call me to collect and they have violated this dozens of times. 

I have made many previous attempts to fix these issues directly with them and They are violating my rights I'm entitled to {$1000.00} for every violation I listed, and they need to delete this account ASAP.
Product: Credit reporting or other personal consumer reports

i am a natural person I am a living human being I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

In XXXX I opened an account with XXXX XXXX to get access to a cash advance. I had begun repayment to this cash advance and in the month for the month of XXXX I fell behind on my payments and needed to catch up. I had then decided to repay the past due balance, but the representative at the time misinformed me of the proper process to repay that exact balance and instead had me pay the amount that was current on the account. I then expressed my concern and disappointment I had in XXXX XXXX as they failed to take any accountability in the management of my account. This event would then lead to them putting my account delinquent on my credit and has been so since then. Fast forward to XXXX of XXXX I was able to pay off the entire past due balance, and get my account positive, and since then I've approached XXXX XXXX on multiple occasions about the error they've made in the management of my account. On my XXXX report it now shows that my last payment was in the month of XXXX, and that I began missing payments in the month of XXXX. What's frustrating now is that on my XXXX report there's not only the absence of this account, but nothing for the XXXX XXXX on file at all. On the final credit bureau TransUnion contains a file for XXXX XXXX, yet they claim I never made a payment for XXXX, and that I missed a payment starting in XXXX and not XXXX like XXXX suggests with their report. Attached I have the reports for all three agencies, and I now plan to get all three credit bureau reports matching with 100 % identical and information as this is my right as a consumer. Per the laws set in place I know that this account presents problematic information as it not only is contradictory to the first claim of being 100 % accurate, but it also contradicts the claim of being fair as it shows information on XXXX report that isn't replicated and matching to the other XXXX available.