23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to file a complaint again 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 post of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled 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

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Thanks for your response and update regarding Select Portfolio Servicing ( SPS ), my servicing company. I really tried to modify this loan but SPS is difficult in assisting me. They promised to help me with a modification but they have not kept their word. The fact of the matter is I loss my job through no fault of mine. I have XXXX XXXX and I am XXXX years old. I have been experiencing more challenges to find a decent paying job versus when I was younger with less qualification. I even contacted my Congress Woman and she has been diligent in seeking assistance! 
I have always taken my responsibilities seriously especially my mortgage to name one. The reason I am behind these payments is because I loss my job on XXXX occasions. SPS accepted my unemployment and said they will work to modify my loan when I found a job, they did not indicate the pay range that will be contingent on my modification. They denied last year due to the debt to income ratio but it they modify to make the payment affordable the ratio will adjust. It was about making home affordable last year. I have been working as of last year and making my mortgage payments but they instantly came to me to cure the loan of approx. {$11000.00} plus, granted I am scheduling mortgage payment as much as 3 in advance. 
Regarding the modification I sent the corrections they requested per your letter and as of now they have all documentations per their requests. The last request was a clarification if I am going to submit taxes for XX/XX/XXXX. Why will I evade my taxes when I have been consistent!! I sent XX/XX/XXXX and XX/XX/XXXX taxes since last month. I called to affirm their clarification. According to them as of XX/XX/XXXX they have all the requirements. They are threatening to take legal action as of XX/XX/XXXX if I do not cure the default amount. I have not received the letter yet but the rep. read that to me Please help me, I do n't want to lose my home!! There has to be light at the end of the tunnel!! 
Thanks! 
XXXX
Product: Debt collection

A debt collection agency threatened to issue a bench warrant and arrest me over a debt from 2014 from a payday lender. The agency made threatening comments, repeatedly called my work phone, and made other harassing comments.
Product: Credit card or prepaid card

Bank of America 's customer service made a wrong judgment, locked my account, and asked me to go to the XXXX XXXX, which wasted my day, including the phone call time and the time to go to the XXXX. The customer service staff deceived me and asked me to run for nothing. Admit the mistake and unlock it for me online, I need them to compensate me for travel expenses and phone bills due to their mistake
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE XXXX 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 UNAUTHORIZED INQUIRY : XXXX XX/XX/year> 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 XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT AGAINST EXPERIAN WITH REGARDS TO THEIR ERRORS IN REPORTING CAUSING DAMAGES TO MY CREDIT SCORES, EMOTINONAL DISTRESS, MONETARY EXPENSES AND VILOLATING THE FAIR CREDIT REPOTING ACT. THE XXXX XXXX CHARGED OFF ACCOUNT # XXXX THEY ARE REPORTING ON MY CREDIT FILE IS NOT MINE AND IT DOES NOT BELONG TO ME. THE CREDIT BUREAU HAS EITHER REFUSED TO RESPOND, SENT A " FRIVOLOUS '' LETTER, AND CONTINUES TO STATE THEY HAVE VERIFIED AS ACCURATE. THERE IS NO WAY EXPERIAN COULD HAVE VERIFIED THIS INFORMATION BECAUSE IT IS NOT MINE. THIS ACCOUNT DOES NOT BELONG TO ME. IN ADDITION, INCORRECT NAMES AND UNAUTHORIZED INQUIRIES THAT I DID NOT AUTHORIZE WHICH I DO NOT HAVE KNOWLEDGE ARE BEING REPORTED ON MY CREDIT REPORT. THE FALSE/INACCURATE INFORMATION PLACED ON MY CREDIT FILE HAS SERIOUSLY AFFECTED MY CREDIT PROFILE CAUSING ME EMBARASSMENTS.
Product: Credit card or prepaid card

I'm pretty disappointed and feel like I am being taken advantage of. Not to mention, what will happen to my credit score. 
Events : A few months ago, I opened an account during an XXXX purchase. Early XX/XX/XXXX, I asked my community which company provides credit accounts during an XXXX purchase. I made numerous phone calls, however, couldn't get through without an account number. My reason for contacting your company was because I hadn't received anything yet, not a card or a statement. At this time, I was told the fee would be waived and my card and statement would be sent by mail. Nearly a month later, on Wed., XX/XX/2021, I called again because I still hadn't received anything. Again, I was told the fees would be waived and the card and statement ( s ) would be sent by mail. Mon., XX/XX/2021 I received a card.XX/XX/XXXX, I received a letter which statements. I noticed the balance was high. Then I noticed the statement had a different account number than the last 4 digits listed on the paper that my card was attached to. So, I called again Wed., XX/XX/2021. I was told the credits would appear on my next statement, which is fine. Then, I was asked if I wanted to make a payment. I asked how much the minimum was because I wanted to compare with the statement/bill... The amount on the bill did not match what the gentleman told me. It was {$100.00} more than what was on the bill/statement, of {$77.00}. 
I tried to send this message on 3 separate occasions and both times a prompt appeared saying, " We couldn't send your message. Please try again later. '' At this point, I feel I can't trustyour company and am nervous about making a payment over the phone. I still have no clue what is going on. Most importantly, I do not want my credit to be affected. I'd like my account number, my original balance with a fair minimum payment, fees waived, as promised, legitimatestatements from the beginning, and a valid card. Matter of fact, honestly, you could even keep the card.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment was made within the required timeframe. Attached is a copy of my bank statement showing that the payment was successfully processed before the due date. 
Clerical Error by Creditor : There appears to have been a clerical error during the payment process, as I never received any notification of a missed payment. XXXX confirmed that no payment was missed, and I have attached correspondence with them to support this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

My account with the following company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below have violated my federa

lly protected consumer rights to privacy and confidentiality under 15 USC 1681. Delete this account immediately, unless you want to be held accountable {$1000.00} per violation 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 XXXX XXXX XXXX. 

XXXXDEPT OF ED : ACCOUNT # XXXX ; DEPT OF ED/XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX have 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have received repeated, frequent phone calls from Navient over someone else 's debt. I have submitted complaints with the CFPB in the past, as well as with the FCC. I have also spoken with Navient directly and they assured me I would be on their do not call list, yet the calls continue. 

They have called both my personal cell phone and my workplace. Again, this is over debt that is not my own. Today, Navient called me twice. 

It is not acceptable to be harassed by a debt collector over someone else 's debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL collections reporting was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report has been filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine these accounts are indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet signature. Consumer is NOT asking for an e-Oscar report. If EXPERIAN doesn't have documentation to show these were in fact authorized by the consumer it must be removed ASAP. SAID company is liable under the SEC to follow certain rules EXPERIAN GROUP LTD AKA EXPERIAN PLC commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX New York XXXX, i will be filing form 211 treasury omb forms to audit consumers account EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT
Product: Student loan

I applied for the SAVE repayment plan through the FSA website on XX/XX/XXXX. I was told by the FSA that I qualified for a reduced payment. Nelnet confirmed they received the application on XX/XX/XXXX. Since then, I have received no updates despite Nelnet promising to send email updates every 10 days. As of today, XX/XX/XXXX, my application has not been processed and I now have a payment due date under the standard repayment plan. 

Attempts to reach Nelnet via phone have been unsuccessful. Nelnet is directing people away from email and to their phone lines. 

Advice from other people online indicates I need to upload proof of income to Nelnet separately despite linking to my XXXX  federal tax return in my application on the FSA website. However, Nelnet 's website is not allowing document uploads ( the function is broken ), so I can not do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 submitted a letter to all 3 credit bureaus and creditors involved verifying that I am a victim of identity theft. Transunion is exercising willful noncompliance by continuing to misuse my information and report fraudulent items on my credit file. My report is neither accurate nor fair. They refuse to block and permanently remove fraudulent accounts stating that my FTC report was made in error or is not an official document which both are false. I believe this is a stall tactic. I have spoken with Officer XXXX of the XXXX XXXX Police Department who can verify the authenticity of my FTC and police reports. I have also been made aware I have been affected by the XXXX Data Breach. I believe I am taken advantage of. I am extremely disappointed in their handling of this matter. It has caused me pain and hardship. They are in blatant violation of FCRA 605B. I demand these items be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its almost 10 accounts opened fraudulently I attached the police report so you can see the amount accounts and dates they were opened. I did not do this
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$900.00} XXXX  # XXXX XX/XX/XXXX -- {$5700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$660.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$370.00} XXXX  # XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item 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 you responsible for your 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
Product: Credit reporting or other personal consumer reports

Transunion has been provided with XXXX credit score, Fraud reports, Documents showing deleted files and all information need to delete incorrect files that are hurting credit. For XXXX  years now Transunion has failed to investigate issues that other credit reporting agencies have resulting in me being unable to obtain new credit, move locations and get a home. Transunion has been contacted over the phone, mail and CFPB. Transunion has been sent all required information and has refused to do there disputes due to negligence and racism. XXXX has not provided accurate credit report and when requested have UPDATED files against consumer request to DELETE
Product: Debt collection

Due to an unexpected increase in expenses, and a temporary decrease in income, I was not able to pay a short term loan of {$220.00} to Solo Funds on the due date, XX/XX/XXXX. At XXXX local time ( Pacific ) on XX/XX/XXXX, I received an email from Solo stating that I was being sent to Collections and charged a late fee of {$20.00}. The email continued with a threat to my credit, If you do not repay your loan you will be reported to the credit bureaus with a derogatory mark, which could negatively affect your credit score for up to 7 years.

3. Lastly, in an effort to protect the SoLo community, you will be banned from using SoLo.

Reporting our members to the credit bureaus is used as a last resort and something we want to avoid. Failing to pay off your loan could cause derogatory marks to appear in your credit history and prevent you from receiving loans in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

During an investiga tion, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   in the amount of {$480.00}. This is not good practice snd violates my consumer rights.
Product: Debt collection

XXXX XXXX contacted me via text message stating that they contacted a bank to let them know they were going to take my car. Multiple times she made this threat to take all of the belongings out of my car so that they can take or it that I needed to surrender the car. She also stated that she was going to send a XXXX XXXX team to my house and business to collect assets. She also claimed to notify my banks to freeze my accounts. 

I called my banks to ask if there was anything against my account which they stated my accounts were in good standing. They also mentioned that the emails I was being sent sounded like scams. 

I also called my county clerk to see if there were any pending lawsuits or judgments against me in which they stated no. 

In the end I realized XXXX was using scare tactics making empty threats to scare me into payment however never sending any actual documentation of the debt that was owed, contracts, etc. She kept bringing up a car that belonged to my mother and was not legally mine, threatening to take it. 

Dates included are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX never sent me any documentation for any judgments, lawsuits, debt validity, etc. 
She attempted to contact my brother and both of my sisters as well. 

I finally sent her a cease-and-desist letter.