23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Macy 's bill was due XXXX XXXX. By XXXX XXXX I received XXXX phone calls. The first call was at XXXX and the last call was at XXXX. On Sunday, XXXX XXXX I received another call at XXXX XXXX. On Monday, XXXX XXXX, received XXXX more calls in the afternoon hours between XXXX. On Tursday, XXXX XXXX, I received another XXXX calls. XXXX at XXXX and the other later in the afternoon.on Wednesday, XXXX XXXX I received XXXX more calls, the first coming in at XXXX and the last at XXXX. On Thursday, XXXX XXXX, I received a total of XXXX phone calls. The XXXX call was at XXXX. After which, I went online and made a partial payment to try and subside the calls. I continued to receive the for calls after I made the partial payment. Later that evening when I got off work, I called and complained about the harassment. They made a note in my file. There was no apology, just blaming the automated system they have. I can understand calling a person once a day after there bill is late, but only being late by a week should not substantiate nearly XXXX calls in that week alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4600.00}, XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XX/XX/XXXX, XXXX Mortgage now doing business as XXXX XXXX, has not reported my payment history nor my current balance to the 3 major bureaus since last year XX/XX/XXXX. I have been with this company for 4 years now. I have called them numerous times and even have a case open with them. They tell me the same thing, every time, " Your case is being worked on, we are looking into it ''. I believe this to be a lie! XXXX was just ordered to pay {$1.00} XXXX in penalties, and they still have not corrected the issue the were penalized for.
Product: Checking or savings account

Navy Federal Credit Union intentionally keeps charging me excessive overdraft fees. I called in about a {$55.00} charge from XXXX and disputed it because of an incident with the company. After taking my information the next day Navy Federal Credit Union charged me {$29.00} stating from a {$33.00} transaction. If XXXX XXXX would have reversed the transaction as I stated the account would not have incurred this fee. Navy Federal Credit Union intentionally hold transaction to cause the account to go into overdraft to access these fees. They are also not returning money they took from me previously even though they are currently being required to return customers money due to a lawsuit bought against them by the CFPB. They have not returned any of my money and I have consistently complained about this bank and their illegal practices. I am fed up with this bank and their illegal practices. XXXX XXXX stole my tax refund for allege overdraft fees but have been unable to prove this. I am now gearing up to sue this bank if this is not resolved immediately.
Product: Debt collection

XXXX XXXX XXXX continues to report a debt of {$330.00} that was paid to the original creditor 10 CITY OF XXXX UTILITIES. This debt was paid to the original creditor prior to shutting my utility service back in 2016. Attached is proof of payment.
Product: Checking or savings account

We deposited {$720.00} in an ATM cash. And the ATM shut down. Midway never gave us a receipt, and now we are out of the money. The bank did put the money back into my account. Did an investigation and they found in their own favor and said they were going to take {$610.00} out of my account on XX/XX/XXXX. I don't know what their investigation involves. Or who counts the money or who has the video? But I run a very small farm. And I have no room for error and I know what money I put in the bank.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX  Account # 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.XXXX XXXX XXXX has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account XXXX XXXX XXXX have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted carecredit/synchrony bank account number XXXX to change my payment due date and they agree to do so but then reported my account 30days late to the credit bureas.Ive never paid late please remove this remark from my credit
Product: Student loan

On XX/XX/XXXX, I received a letter from Pennsylvania Higher Education Assistance Agency ( PHEAA ) regarding a Federal Student Loan that I owed to them ( {$100000.00} ). I never applied or authorized for a student loan. I asked them for proof, which they did sent it. It was to my surprise to see my name on it. My XXXX wife ( XXXX XXXX XX/XX/XXXX ) had taken out a loan and FORGED my signature. We had been separated in the process of a divorce when she took this loan out. Date of separation was XX/XX/XXXX and the divorce was granted XX/XX/XXXX. I was living in XXXX XXXX, Ca and my XXXX wife was living in XXXX at the time of the loan. I have sent them the a copy of " XXXX Certificate ''. I then later received a letter stating that a portion of the Consolidation loan in the amount of XXXX has been discharged, but that I still owed a balance of {$30000.00}. I have advised them that I never authorized this loan, nor that the signature on the Loan Application/Promissory Note was mine, that it had been forged. They now have sent me documents that needed to be notarized, which they have verifying my signature, but now they are claiming that I need to file a Fraudulent Court Claim. My credit report shows that I owe TWO amounts : {$100000.00} and {$30000.00}. I have remarried since then ( 2015 ) and now my current wife has been called at work regarding this loan and her taxes have been garnished. I have been unemployed for quite some time and have recently found work. So, the taxes that my current wife filed was just out of her income and PHEAA managed to garnish those funds.
Product: Credit card or prepaid card

I opened a Chase XXXX Credit Card was approved then after 3 weeks they closed my account without any reason, I reached out to a person that works in Chase and was told that I was on a so called " Blacklist '' with Chase.

I have never done anything wrong to Chase but 5 years ago my accounts with Chase were subpoenaed by the court for an investigation so they closed all my business accounts at that time. Since all this time has passed and I was approved I figured that is was all good.
Product: Student loan

1. I dont know dates but I took up thinkful in 2020 the company was extremely unprofessional and didnt provide the mentorship as was needed 2. I withdrew because the mentor lied to his company about my attendance when he was never present for them 3. The company handling never sent me info on how to pay online although that is my preferred method 4. I never received anything via mail 5. I have not heard from the company since last year 6. I will be paying the principal balance only I will not be paying interest since they did not give me the opportunity to pay and this will be removed from my credit immediately
Product: Debt collection

dear sir a company called " voss and klein '' collection agency has jeopadized my credit report unjustly. a company called " XXXX '' holds me responsible for my brother 's debt. this matter was sent to a debt collection agency name " Voss and klein ''. XXXX did some advertisement for XXXX XXXX XXXX XXXX XXXX '' owned 100 % by my brother ie. XXXX XXXX. I was employed by my brother as a manager at the time of signing of a contract with XXXX. I just signed the contract as a manager would by insistance by my brother and XXXX but the contract clearly shows that the client is XXXX XXXX ie my brother on the contract signed. neither XXXX nor the collection agency ie voss and klein would listen to reason and they keep calling me and fouling up my credit score. Attached is a copy of the contract that clearly says XXXX XXXX is the client. I have complained to consumer affairs, ftc, XXXX, and complained to small claims court. my complaint in the court was dismissed. all other places that I have complained have been fruit less.I understand you are the actual agency to complain against a collection agency at fault. all the information is in the contract. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX my email address is " XXXX '' my phone is XXXX.
Product: Debt collection

An old debt from 2011 I have no clue what it is about they are gon na garnish my wages at 25 % I get paid every week. I cant afford that I will be homeless then jobless
Product: Credit card or prepaid card

The following unauthorized charges where made on my XXXX XXXX Visa card ( XXXX XXXX XXXX ) XX/XX/XXXXXXXX {$38.00} XX/XX/XXXX {$430.00} XX/XX/XXXX, {$81.00} The credit card company has resolved that Im not responsible for the {$38.00} charge. The other two, were credited back to my account on XX/XX/XXXX, then recharged to my account the same day. They were then credited back on XX/XX/XXXX. They were once again recharged to my account on XX/XX/XXXX. 

I have no knowledge of how these charges were made. 

I have proactively communicated with XXXX XXXX Visa XXXX XXXX XXXX XXXX ) regarding this matter including : XX/XX/XXXX I called to report the unauthorized charges XX/XX/XXXX I called to follow up, since I was never contacted back. 
XX/XX/XXXX Online text chat session on website, for which I have the full transcript XX/XX/XXXX I called and spoke with XXXX, a supervisor Late XXXX Sent a US Mail response to a letter I received about the situation, answering all questions asked XX/XX/XXXX I sent a message via the fidelityrewards.com sites Send a Secure Message feature XX/XX/XXXX I made a post on the XXXX XXXX page explaining the situation XX/XX/XXXX I sent a XXXX XXXX message asking for help via the XXXX page XXXX/XXXX/XXXX I called to again report the newly reinstated charges as unauthorized. 
XX/XX/XXXX Sent a certified letter to their customer service mailing address. 

Consistently, the people I reach on the phone, via the number on the back of my card, have told me they are unable to resolve the issue. They are also unable to put me in contact with the investigators, and claim they cant talk to the investigators. They say the only way is for the investigators to call me, which hasnt happened. I have offered to make an appointment for such a call, but have been told that isnt done. I have kept records, including recordings of phone conversations, to document all of this. 

As of now, the {$430.00} and {$81.00} charges are on my card and will be due on my next statement. I believe that I am not responsible for unauthorized charges and request help in resolving this matter.
Product: Consumer Loan

I have a Honda CRF 250L Dual Sport Motorcycle financed through Honda Financial Services. I submitted my monthly payment on XXXX/XXXX/2016 and it cleared my bank on XXXX/XXXX/2016. I checked my bank account today and Honda Financial Services ( HFN ) had withrew another payment without authorization. I have attempted to contact their customer service several times and can not get through. There are several others in the same situation.
Product: Student loan

The issue is Navient 's ( Sallie Mae Student Loan Debt Servicing ) illegal data mining on my private computer. Today, XX/XX/2018, while on-line at Navient 's site filling out my annual application for income driven repayment, the Navient site requested that I update all of my personal information. When I hit the auto-fill option for telephone numbers, it listed all three of our telephone numbers ( 2 cell and 1 landline ). Plus a lot more that shocked me. Two of Navient 's auto-fill entries pertain to private information that has nothing to do with Navient and is only saved on my computer. One suggested ( Navient ) auto-fill telephone number is a local government agency I've been dealing with since XXXX of this year. It also listed that governmental email address. The other suggested auto-fill entry had an entire sentence from a personal letter, saved in a file folder about 7 layers deep within MyDocuments. That specific sentence is unique, and entered only one time, in one letter, saved in a separate file folder, even deeper within MyDocuments. It was never transmitted by email. That letter was written, printed out, and hand-delivered in a meeting. I've photo recorded both of these " illegal '' privacy infringements on my phone, and sent the pictures with a detailed explanation to as many people as possible. The message being, get off the internet and stay off. The " hackers '' we hear about on the news is the US Government. This Governmental infringement on privacy will destroy the internet. I'm off line, permanently. I will wait for an internet response from CFPB to get a telephone # to continue this discussion if you wish. All discussion after that will then be via snail mail. If I don't hear anything within a reasonable period of time XXXX just lost another customer. I'm going back to snail mail. The internet is dead as far as I'm concerned. I will contact XXXX and some-how find out how to download en mass everything I've ever entered on their cloud server, to hard-copy paper, and then shut down/delete everything in the Cloud. Governmental infringement on privacy is the death knell for the internet.
Product: Credit card or prepaid card

On XX/XX/XXXX, I disputed a {$2000.00} UNAUTHORIZED charge on my credit card with Chase card services. Chase 's investigation concluded that I am responsible for the charge because they believe I have benefited from the transaction WITHOUT providing an invoice or contract for services or products. I have been requesting PROOF of the benefits I received for this {$2000.00} since XX/XX/XXXX. The only document Chase provided is an automatic email from XXXX showing the merchant has charged me the {$2000.00}. 

In addition, I provided Chase a text message from the Merchant stating that he made a mistake charging me and claimed he has issued a refund. I did not see the refund on my card nor did I have PROOF from Chase that they PAID the merchant. 

Under federal law, I am only required to pay a maximum amount of {$50.00} for the fraudulent charges made to my credit card account. 15 U.S.C. 1643 ( a ) ( 1 ) ( B ). As such, the burden of proof is on Chase to prove that I benefited or authorized the disputed charge. 15 U.S.C. 1643 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been living in the United States since XX/XX/XXXX and I am currently residing in XXXX XXXX. I was trying to obtain a free credit report from Equifax today ( I have never tried to obtain one before ) and I was unable to get a free report as it prompted me to answer 2 security questions to identify myself but those questions are based on my current credit report ( which I do not have access to ) which indicates that 1 ) I  opened an auto loan/lease back in XX/XX/XXXX and 2 ) opened a personal loan installment account in XX/XX/XXXX which clearly are frauds as I am no longer living in the US so there is no way I have obtained these loans while I am physically in XXXX XXXX. Since I can not access my credit report I have no idea how much money was borrowed and which companies were involved therefore I would like to have an investigation on this and would like to have these corrected thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XXXX-2020 regarding the inaccurate accounts on my credit report. It has now been past 45 days and still to this day I have not received a response to my letter. According to Section 611 ( a ), a failure to properly investigate these items within 30 days gives a reason to have the items removed from my credit report immediately. Its now past that grace period and I am demanding that the items be removed now. Failure to remove these erroneous items will cause me to file for litigation. Also due to the XXXX  Data Breach my information has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid all my credit cards down to a XXXX balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE XXXX XXXX, and XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$140.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX 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 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.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn
Product: Credit reporting or other personal consumer reports

While trying to unfreeze my credit report from Equifax, I was put on hold and the call was intercepted by a hacker. He tipped me off by not having any of my info that had been submitted already. He did, however, obtain my social before I hung up on him. 
Ive tried to report this to Equifax but talking to an actual human proved impossible. Will they be held responsible if my identity is stolen XXXX XXXX XXXXXXXX? 

XX/XX/2025