23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a letter from Jefferson Capital Systems , LLC, attempting to collect a debt of {$520.00} related to a XXXX Account. I called the number on the letter to inquire further, and they informed me of an account that was opened in XX/XX/XXXX and used in XX/XX/XXXX, which does not correspond to any actions on my end. JCS has my name and home address, but when pressed to verify my SSN I declined. When pressed to verify my email address, I also declined, but the representative read off an address that had no relation whatsoever to me. I don't know how they obtained my information in the first place but this is either a scam, or the result of identity theft.
Product: Checking or savings account

Hello, Ive had issues with chime banking institution. ( XXXX XXXX  ) for over a year now I last year in XXXX unfortunately went through and suffered an XXXX scam. XXXX was great I contacted XXXX they emailed me on who I get a hold of sent me all numbers to call for the Federal trade commission and etc the Federal trade commission then help me get my money back well some of my money some of my purchases with this scam was through XXXX and some of them were through regular retail stores where I would purchase an XXXX card over the counter with a cashier. I also had purchase an XXXX cards online through key to benefits card got my money back with them as well they were awesome worked great with the federal trades commission and XXXX. The only place that I did not get my money back with is chime and I have tried over and over and over again to get my money back and every time my dispute is literally settled and literally 24 hours they don't investigate absolutely anything and they always deny your claim always deny it. I literally have every bit of proof of everything I have just stated and yet they still deny my claim to my money I have pictures and receipts to prove with the XXXX gift cards that were purchased in store with the cashier literally the card and the receipt everything matches the times day of the transactions absolutely everything. I was refunded from XXXX to the chime account cuz I paid online for the XXXX XXXX XXXX XXXX so it was through the time card that was paid but it was a card that was connected to XXXX the only money that I had got back from that scam with chime is from that transaction every other transaction they tried to say oh they gave me the money back that one the {$150.00} is the same exact transaction as the one that was refunded through XXXX and it's not as slowly a completely different date different time everything. Like I said all evidence is XXXX XXXX  there like this is even a far XXXX to investigate literally any kind of investigator could literally see it and be like okay all this literally matches up there and not only just that I you know like one the case with the Federal trade commission they literally help me get back my money from XXXXXXXX XXXX to benefits with XXXX all that and it's just chime bank that literally constantly disputes my cases and says that they find no error occurred which makes absolutely no sense. And I once again tried the Federal trade commission they can't really enforce anything so this was one of the recommended places to go for my case I'm really just trying to get this off like I said it's been over a year and I still can't win this case in without a doubt this is definitely winnable for me like I said I had already got refunded from every other place with this scam just really looking for help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice fraudulent items. I have over XXXX inquires I also need removed anything before XX/XX/year> XXXX
Product: Checking or savings account

would like to be reimbursed for the reported Transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Called credit card company to find out why my account was closed and found out it was due to a typo on bank account number, which caused their auto pay transactions to get declined- which resulted in my account being automatically closed. 

However, I got no notifications from the credit card company that this was happening and I was manually making payments on my card on time. I called customer service and my account was reopened in XX/XX/2021. It's now XX/XX/2021 and my credit report still shows the wrong account status and wrong balance. 

I disputed it with XXXX  and they found in favor of credit card company. I'm appealing the decision as I have current credit card statement showing my account us open and balance is {$0.00}.
Product: Debt collection

On XX/XX/XXXX, I discovered a notice on my door from the XXXX XXXX XXXX XXXX XXXX, alleging that I was past due by approximately {$3000.00} in rent. This notice was perplexing, as I had not received any prior communication regarding late fees or a rent increase. I'd like to emphasize that I consistently paid my rent, either through the apartment portal or by money order, adhering to the agreed-upon amount of {$810.00} as stipulated in my lease contract. 

Before XXXX, I encountered some payment issues and promptly informed XXXX XXXX, whom I met in person at the office. I explained that there had been an error in my paycheck by the United States XXXX XXXX XXXX department, which might result in a delay in rent payment. XXXX kindly assured me that she would waive any late fees due to this unforeseen hardship. 

However, when I received the notice, I visited the office to seek clarification. XXXX presented statements indicating that we owed a differential amount based on a new rate. I requested evidence of any prior notices or letters regarding the rent increase or late fees, but she couldn't provide any. According to the law, eviction notices must be written and served, which never happened in my case. My husband and I had informed the leasing office that we would be relocating due to PCS orders and XXXX orders, scheduled for XXXX. 

Furthermore, it's important to note that a landlord can not evict a servicemember or their dependents from their primary residence without a court order, and the court has the authority to adjust lease obligations to protect the interests of both parties ( XXXX XXXX. ). 

I believe that the leasing office 's actions violated our rights as service members and were not in compliance with the law. They also sold the debt to a third-party collection agency, despite having written it off as a charge-off, resulting in the collection agency attempting to collect the debt. This has had a negative impact on my credit, and I request that the collection be removed and compensation for the damages incurred. 

Additionally, the leasing office failed to return our security deposit and did not provide an itemized list of deductions within the required 60 days, which they are now two years late in doing. I have provided documentation, including my lease, to demonstrate that no notice was ever given regarding a rent increase or accumulating late fees due to our hardships or deployment.

In summary, I am seeking resolution for these issues, including the removal of the collection, compensation for damages, and the return of our security deposit with the required itemized list of deductions. These actions were taken in violation of our rights as service members under the SCRA, and I believe it is essential to rectify these matters appropriately. I also took the initiative to attach complaints and better business bureau rating from other residents who have been discriminated against or have issues with the leasing office administration.
Product: Mortgage

I have been making additional principal payments Mr. Cooper since 2018. I noticed in my account that they chose to reverse my principal payments and apply them to my monthly payments instead, upon a phone call to the company they suggested that if they were to fix what they have done to my account then I would be behind and foreclosed upon. I need some help please. These people are clearly scamming me taking my money and not willing to address the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently bought a car. The dealership ran my credit 25 time. I understand that when shopping for a house or car loan the can apply to as many places as you want in 30 days to get the best rate. My understanding of the fair credit act is that the inquiries made in a 30 day period should only count as one inquiry. They are showing as 25 different inquiries which had lowered my credit score over 20 points. How do I fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.
Product: Checking or savings account

I am writing to file a complaint against Navt 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. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with I suffice balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX account has not been corrected to reflect. Paid in full, never Late, Not part of a chapter 13 or payment plan. Or wage earner plan. I have contacted XXXX XXXX again and was given a XX/XX/2018 XXXX # XXXX. This error was suppose to be fixed and never was. Can someone do their job correctly and fix this mistake once and for all. their should not be any negative marks on this account Pretty please with sugar on top. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft a year ago and i file a FTC report ( in the attachment ). The fraudulent account is XXXX and was opened in XX/XX/2021 in XXXX, Texas and I NEVER BEEN TO XXXX. I file a FTC report and i also wrote a letter to the consumer report agencies but it was never removed and they has not replied to me and frankly they are ignoring me BECAUSE IT IS BEEN MORE THAN 30 DAYS. 
Also my name and address were modified in my credit report and i need the consumer reporting agencies to DELETE that fraudulent account ( XXXX ) immediately and fix my name and remove the XXXX, Texas address found on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Dear Sirs, Two weeks ago you handled a complain between XXXX XXXX and us, you referred with the # XXXX. We do n't agree with the amount of the reimbursement XXXX XXXX sent. Numbers, as per same attachment XXXX XXXX sent, we have : Total amount deposited by us to XXXX XXXX : {$10.00} ( Exhibit # 2 ) XXXX already paid : - XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - XXXX {$38.00} ( Exibit # 6 ) - Settlement amount to pay to XXXX XXXX, {$3200.00} TOTAL DEBT PAID : {$8300.00} The amount to be returned must be {$1900.00} instead of {$880.00} already sent by check. Additional we need to know, having the money available, why you never complete the payment to XXXX XXXX? Is XXXX XXXX responsible If this agreement is no longer valid since payment were not done, if this is the case, how it will be handle since was your lack of dedication following up these accounts and not having done the payments. Besides, we need the agreements you signed with XXXX XXXX XXXX and XXXX. Looking forward your soon reply, Sincerely, XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

This account was paid as agreed, the company agreed to remove when balance was paid, the account is still on credit.
Product: Credit reporting or other personal consumer reports

I DID NOT RECEIVE ANY GOODS OR SERVICES FROM THE FOLLOWING INQUIRES. I DID NOT APPROVE OR AUTHORIZE THESE COMPANIES TO MY PERSONAL INFORMATION.
Product: Debt collection

XXXX Forward movement recovery SCAM Threatens you and family members with arrest if you dont pay. Sometimes they say IRS sometimes they say pay day loan but it is always the same number calling. I do not owe any of these and have asked them to stop calling. They keep calling not only me but family members. They also change the amount owed and who owes it.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed an agreement with Ally bring my account current. Ally refused to allow me to participate in the programs offered due to loss of employment during XXXX. Ally offered the option to Defers payment for XXXX customers up to XXXX  days during. I was not offered this option by the representatives in customer service. 

On XX/XX/XXXX I sent an email To XXXX XXXX XXXX of Ally Financial. And intern I was contacted by XXXX in XXXX XXXX XXXX  whom issued an agreement. This is the agreement that I signed on XX/XX/XXXX. 

The Ally financial account shows as charged off. I have not received a letter or XXXX indicating the account is charged off so it does not count against my credit score.
Product: Student loan

I have a consolidated student loan that is administered through Navient. I am enrolled in auto pay, yet each month Navient charges me a late fee ( {$57.00} ) that prevents my loans from decreasing.I did, however, discover that my credit union only allows five ACH automatic withdrawals per month. I tried to change my " due date '' to the XXXX or XXXX of each month as opposed to the XXXX ( which it is currently ) .The website, however, is far from user-friendly and would n't allow me to do it. When I contacted customer service they said they could not do it on their end because I had a " pass-due payment. I tried to explain that the past due amount in question and told them I had submitted a payment manually because I could not trust auto pay ( each month they levy a late charge ). The customer service representative still suggested that I pay the past due amount. I again tried to explain that the amount in question was now a " pending payment '' that was in process as opposed to a " past-due '' amount. After a minute or so, she mentioned that she was able to see the " pending '' payment. Unfortunately, this is not the first time this has happened. Every single month it is something. And, my balance does not decrease. As a matter of fact, I owe more now than I did when I began repayment. SERIOUSLY. This time, I was ultimately advised to wait until the " pending '' payment clears then recall customer service to initiate a new " due by '' date. Please have someone contact me because I honestly believe they are purposely trying to make it hard to collect payments.
Product: Mortgage

Wells Fargo continued to pass me around within a 12 month period to different loan modification employees who requested the same information over And over again, everyone I spoke too had s different story. They provided confusing information. They kept delaying me and kept me on edge. A horrible business model.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I was in the process of refinancing my second mortgage that was with XXXX XXXX XXXX . On XX/XX/year> Hurricane Milton hit our home in XXXX, Florida and we were forced to evacuate. During this time XXXX put our second mortgage into Natural Disaster Forbearance as we assessed all damages and returned home. While we were in Forbearance XXXX reported us as 30-days late to XXXX, XXXX, and Experian , dropping my credit report by nearly XXXX points during a natural disaster. This predatory practice inflames an already tragic event and time when people are hurting. I called NewRez/Shellpoint to have them remove the 30-day late which they refused to do. I called the credit bureaus and opened a dispute. All 3 deferred back to XXXX who confirmed the inaccurate 30-day late report. I have since refinanced the loan but the incorrect reporting remains. You will see on the reports under special comments : " Effected by Natural Disaster ''.
Product: Credit reporting or other personal consumer reports

Recently I saw late payments on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listed as the original company when its actually wise loan Worst Delinquency on equifax states the account is 90 days past due while XXXX statesCharge Off/Other Derog. XXXX states on Equifax last activity was XX/XX/XXXX but on XXXX states last activity was XX/XX/XXXX XXXX states on equifax last activity was XX/XX/XXXX but on XXXX states XXXX last updated XX/XX/XXXX on equifax XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX also reported as foreclosure on XXXX last activity reported XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX. XXXX last updated XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX and XXXX the balance on equifax states XXXX but on XXXX and XXXX the balance is XXXX. XXXX last updated XX/XX/XXXX but XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX closed date XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on equifax XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XXXX last updated XX/XX/XXXX on XXXX but on XXXX XX/XX/XXXX closed date on equifax XX/XX/XXXX but XX/XX/XXXX on XXXX XXXX last activity reported on equifax XX/XX/XXXX but on XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my information was leaked and had inaccurate information on my accounts
Product: Student loan

Transworld Systems is now servicing my defaulted student loans. They called me and I informed them to stop calling me about the matter. They acknowledged the request and said they would stop calling me. They stopped calling me for a couple days then began to harass me with calls again. I, again, called them back and asked them to stop calling me about the matter. They have not stopped harassing me after acknowledging the request twice.
Product: Mortgage

Since Planet Home Landing has taken over servicing this loan, we had nothing but trouble with predatory fees being added with the consistent and constant monthly amounts due. Never had any issues with any other lender in 20 years of owning a home that was mortgaged until Planet Home Lending took over this mortgage. 

Planet home sends monthly statements with the bolded amount listed as " Amount due '' that various each and every month. They then add predatory fees and late payments when you send a payment that matches what is stated on the amount due that when you look deeper at the statement the regular monthly payment in smaller letter below shows the correct amount. I am accusing Planet Home lending of adding these fees, tricking consumers with the amount due in large bolded letters at the top of statements to trick consumers in paying something different than the actual monthly payment that should be consistent unless there is a change in taxes and insurance. I can go back historically and show the amount due changes each month and after speaking to an agent today she highlighted that my regular monthly payment in the box that states " explanation of amount due '' is what I should be paying, but neglects the fact the AMOUNT DUE at the top of the statement shows something completely different. 

I want a full refund of all fees and penalties because of these predatory lending and fees that they target Veterans. I would also like Planet Home investigated to determine if this is a common wide practice and if they specifically target other Veterans and VA loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$35000.00} XX/XX/XXXX {$14000.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$450.00} I sent transunion a 3 different letters over the last 105 days advising them of these fraudulent accounts on my credit file asking them to please send me a copy of the original application for these accounts. They have yet to do so. or send anything to me to verify these accounts.