23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made a complain thru XXXX  and no solution is getting resolve because it is a big company which is XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX is a fraud. The first issue is the name of the account. I called and notify them that the name in the account is misspelled and I told them multiple times to change it but it never happened. 

There is a problem with this : First, I am paying the account with different name this caused problem with credit history and debt collection. This gives a negative report to my credit. 

The second issue is that I was supposed to get my refund once I turned in the equipment to XXXX after the account is close and I have the receipt. After few months, I received phone calls and letter from the debt collection agency stating that I owe XXXX XXXX XXXX and I saying that I did not return the equipment. I made a multiple phone calls, sometimes 2-4 hours a day just to resolve this matter. I keep getting cut off or I keep getting transferred from one agent to another. 

XXXX XXXX XXXX told me that my account is close with the different name ( XXXX XXXX ) so that they wont deal with me anymore but issue is not resolved and they open a new account to charge me of the refund amount. Not only XXXX XXXX XXXX owes me the refund from the returned equipment, they also wrongfully charge me for no reason and turn the account into the collection agency to give my credit an bad review. 

At one point my credit is down to XXXX, I have to call the credit agency and spend more money to monitor my credit. I've been dealing with this since 2018. This is my last resort and I need help.
Product: Checking or savings account

l am writing to file a complaint against Navy Federal Credit Union regarding multipleoverdraft 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 insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

to whom it may concern on XXXX XXXX my credit score was increase to XXXX by Transunion and than all of a sudden I believe the next day it was decrease to XXXX. When i click on see what change it shows a different picture. Based on the information i read it should have drop XXXX pts.I would appreciate any help you can give me in this matter. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was reported late 90 days yet there is no prior reports of late from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting bureau, Equifax, consistently provides low scoring and incorrect/outdated information. How can they justify a XXXX point difference between them and the other two credit bureaus in scoring my information? This shows incompetence and Equifax needs to understand that their practices impact people 's lives and ability to receive the proper credit ratings to acquire things needed in life. I want to sue them for this huge difference in reporting and inadequate claim processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;
Product: Debt collection

To Whom It May Concern, This Company who had previously been operating as XXXX XXXX and Now operating as SouthWest Credit Systems both collecting for previously XXXX and now apparently, XXXX has taken it upon themselves to re-vive a resolved and removed item from XXXX of XXXX. 

The item was closed and resolved here. It is file number XXXX They have since afreshed the file and placed it once again on my credit file causing my XXXX XXXX to XXXX XXXX points in a little XXXX XXXX XXXX 

They replaced this item on my credit report last month out of the blue sky. They are fallaciously showing that I opened this account in XXXX of XXXX to make it seem as if the debt is current. This is awful. 

This company, whoever they are operating as, uses underhanded tactics in efforts to try and collect old debt from customers. They harmfully go after a consumers credit file as they know that is most damaging. 

And they have become awfully familiar in doing so. 

Below are just the copy/paste details of this matter from XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent an administrative process to XXXX the loan servicer for XXXX XXXX XXXX XXXX letting them know that they have unlawfully and inaccurately reported information to third party companies known as XXXX, XXXX, and TRANSUNION which have ALL hindered me from better interests rates on other products and jobs. Please see the consumer protection laws that I am including in this letter to justify my case. Also please review my documents of XXXX has agreed to remove from ALL credit reporting agencies but XXXX HAS NOT. THERE ARE CIVIL PENALTIES THAT I CAN APPLY FOR NON-COMPLIANCE. 15 U.S. Code 1681n - Civil liability for willful noncompliance Per the Fair Credit Reporting Act ( 15 USC 1681 ), section 602 ( a ), it underscores the imperative to ensure that consumer reporting agencies carry out their crucial responsibilities with fairness, impartiality, and a commitment to the consumer 's right to privacy. As a consumer, I affirm my entitlement to safeguard my private information, a right fortified by XXXX5 USC 6801, which enunciates Congress 's directive that financial institutions must actively and consistently uphold customer privacy.

The term " Furnisher of information to credit agencies '' encompasses financial institutions under this title. In line with 15 USC 1681, section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report upon the written instructions of the concerned consumer. I explicitly deny consent to XXXX, XXXX, and any furnisher of information to credit agencies, revoking any previous consent, whether verbal, non-verbal, written, implied, or otherwise.

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is barred from disclosing nonpublic personal information to a nonaffiliated third party without elucidating how the consumer can exercise the nondisclosure option. The furnisher of information to credit agencies failed to apprise me of my right to exercise this option.

Additionally, as per 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including adverse information in a consumer report without authorization. The inclusion of adverse information without my permission constitutes a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A mandates that no person shall furnish inaccurate information to a consumer reporting agency. XXXX and XXXX are falling short in adhering to reasonable procedures, as stipulated by 15 U.S. Code 1681e.

Finally, according to 12 CFR 1016.7, a consumer possesses the right to opt out of reporting services at any time. I am exercising my prerogative to opt out of your reporting services. { XXXX, XXXX, TRANSUNION, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX PLEASE REMOVE XXXX and XXXX XXXX XXXX XXXX from ALL CREDIT REPORTING AGENCIES and the {$130000.00} balance as they have agreed from my credit reports immediately please. It is harmful, unlawful, and inaccurate. SEE attachment of communication.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$6700.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Debt collection

Date assigned XX/XX/2017 Violation of HIPPA.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I obtained the loan on XX/XX/21 with an apr 35.97 % in the amount of {$10000.00}. It has been close to 2 years and the balance ad of today is {$8800.00}. I reviewed documents to find that the loan is on an amortization schedule with a total interest of {$12000.00}. Maybe Im not the best at math but that seems like way more than 35 % and insane. I asked if I could have the loan reworked for a better interest rate and they declined. I am having a very difficult time paying this down with each payment of {$390.00} thus far going mostly to interest. I feel like the fees and rates on this loan are very excessive and predatory in nature. Yes I needed the money and I signed on the dotted line but at this point Im wondering if I will ever be able to pay this off. Ive asked them for help. If I dont pay they report it which hurts my credit and when I do pay it barely makes a dent. Im not sure how you can help but I do want to let you know how this business is operating on others misfortunes and need and making it very difficult to resolve accounts. I have come to understand this company is associated with XXXX XXXX and both have ceased any loan originations. Loan Me continues to work on outstanding loans which XXXX XXXX is defunct due to legal and regulatory actions. Same company!!! Though Im not sure why Loan Me was allowed to continue business under the same owner. Quite frankly this is loan sharking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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. 

Account Name : XXXX # XXXX - BALANACE {$20000.00} Account Name : XXXX XXXX  XXXX - BALANACE {$100000.00} Account Name : XXXX XXXX XXXXXXXX - BALANACE {$100000.00} Account Name : XXXX XXXX XXXXXXXX - BALANACE {$20000.00} Account Name : XXXX # XXXX - BALANACE {$63000.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute this account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than four business days after the date of receipt. I have attached my FTC REPORT this complaint to prevent any FUTHER STALL TACTICS FROM EQUIFAX.
Product: Checking or savings account

Transitioning from Simple Bank to BBVA USA. I, like others, tried to access my " new '' ( or transferred ) account through BBVA using the exact instructions given and encountered several different types of errors. Tried to contact customer service 8x times over the next 2 days and was either hung up on or otherwise unable to reach anyone. I've currently been on hold for greater than an hour and still haven't been able to reach anyone. The only useful information I've been able to find is through XXXX from other people going through the same thing. This entire situation is completely unacceptable and bordering on criminal negligence on multiple levels. Why would any financial institution transition a massive number of users on a Saturday in the first place? Being unable to access funds during, you know, A GLOBAL PANDEMIC when many people are facing financial hardship is beyond concerning on it's own, but then to hear nothing from the company takes it to another level.
Product: Credit card

I purchased a camera and memory cards from XXXX with order number XXXX on XX/XX/year>. Unfortunately, I was dissatisfied with the camera and requested a return. XXXX accepted the return and provided a XXXX return label with tracking number XXXX. I shipped the product back via XXXX on XX/XX/year>. However, after a week, when I contacted XXXX to request a refund, I was informed that they had not yet received the package. They later confirmed that XXXX had lost the package. 
I reached out to XXXX, and they confirmed that the package was indeed lost. XXXX further advised that XXXX should file a claim to recover the value of the package, since they are the owner of the return label and I, as the customer, have no control over the shipment. XXXX subsequently filed a claim with XXXX, but now they are charging me the full amount for the items, citing that they have not received the package. 
Since I returned the product using the return label provided by XXXX, I should not be held responsible for the lost package. I paid for this order using my American Express card, and as a result, I filed a dispute regarding this transaction. However, American Express has sided with XXXX and closed the dispute, despite my providing all the necessary documentation, which includes : 1.Order invoice from XXXX ,2XXXX return label provided by XXXX ,3.XXXX tracking details ,4.Email from XXXX  acknowledging that they lost the package Given that I followed the correct return process and the package was lost by UPS, I believe this issue should be resolved fairly, and I should not be held liable for the charge. 
To escalate the issue, I contacted an American Express supervisor, XXXX XXXX, but he has repeatedly told me that he would call me back regarding the dispute and has not followed through on any of his promises to respond. I am extremely frustrated with this lack of follow-up and transparency, especially given that I have provided all the relevant documentation to support my case. Given that I followed the correct return process and the package was lost by XXXX, I believe this issue should be resolved fairly, and I should not be held liable for the charge.
Product: Credit reporting or other personal consumer reports

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

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

They are not deleting the errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan open with XXXX XXXX ( XXXX XXXX ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from XXXX XXXX. 

During the first week of XXXX, I noticed that the account was marked as 30 days late with Equifax credit bureau. I started the dispute and the account was updated correctly. I contacted XXXX XXXX and they verified that the account was never late and provided me with a credit reference letter. 

However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely Equifax, XXXX and XXXX. I have started the dispute with all 3 credit bureau It seems XXXX XXXX has some incorrect information on what they are reporting on my account to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt this violation my consumer right to privacy pursuant to15 usc 1681 B 2 company has no permission to report anything using my info pursuant to 15 usc 1681 XXXX
Product: Vehicle loan or lease

I have a vehicle loan with USAA at 10.10 % interest rate. My monthly payment is {$420.00} of which 30 % goes toward interest payments. I was also advised I would need to pay a dept protection fee of {$40.00} per month. When combined, 40 % of my monthly payment does not go toward reducing the balance of my loan, but goes to USAA. This false claim constitute predatory lending practices. 

I have had other loans with USAA where the predatory lending practices are contrary to their claims of providing great financial products to service members. I served in the military for 28 years, and instead of USAA providing reasonable financial services, they engage in predatory lending practices aimed exclusively at our military service members. 

USAA could resolve this complaint by ceasing and desisting with these predatory lending practices, stop the false narrative and false advertising of 10.10 % interest rate when the actual rate they receive is 40 %, stop deceiving military members with predatory lending practices and reverse the abusive charges and fees.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, requires us to eliminate any incorrect accounts from my credit report. Could you review the documents, please? Some of the accounts listed are inaccurately reported in terms of reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I never gave written permission for first premiere to use my information for filing a report and not only that, they settled and told me they would close my account and remove from credit bureaus.
Product: Credit reporting or other personal consumer reports

filed ftc report on the inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the end of XX/XX/2020, I have not be able to do disputes online due to an error that states : " We're experiencing technical difficulties and can not access your report at this time. '' I was able to last complete an online dispute earlier in XXXX but now, whenever I try, I get this message. I have attempted to address this issue over the phone and have even requested to have the issue escalated and the issue has not been addressed. 
My last dispute was with the account : XXXX XXXX the balance is still not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to reporting the unauthorized review of my credit report, and made phone calls talking to multiple representatives and they reporting that that although I didn't give authorization for the review of my report that they have to report the review, and that they don't have remove the inquiries from my report although it lowers my score.