23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since this debt was added to my credit report as collections, they have called everyday at least 3 times or more. I've blocked hundreds of numbers, but they're all spoofed to be local numbers. I've asked them to stop contacting me numerous times, too many to count ( even with the automated 'do not call ' system. What I can remember from the debt is that it was jointed with someone else. They never sent me anything on this debt, as far as I know it illegitimate. It finally came off my credit report back in November ( due to it being older than 7 years since the last payment was made ). Two months after it came off my credit report, the calls started up again. I don't believe they are allowed to call anymore after it's been taken off the credit report. And still asking them to stop has no affect whatsoever. This company has no compassion & takes advantage of financial misfortune & using time, forgetfulness or ignorance of our rights to hopefully fool the consumer that the debt is still valid to make a payment & reset the clock ( statute of limitations ).
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee I have incurred. Despite having sufficient funds when charges were placed. 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: Debt or credit management

Hi this past week chase bank charged me {$34.00} fees 6 times. I originally was over draft for a transaction that was {$270.00}. I did not have enough funds in my bank and chase still went through with taking the payment and over drafting me. I managed over the weekend to put in my bank account {$170.00}. So then I was left with being overdraft {$100.00}. When I got overdraft I only had one transaction that overdraft me. Out of no where when Wednesday came along more transactions had overdraft me by {$100.00}. So then it left me back to - {$210.00}. The transaction that had over drafted me on Wednesday were pending on Friday. On my account it showed that they were under the {$270.00} transactions but it did not show me that I was overdraft because of those other transactions. Which is why I wasnt aware I owed more. Then Thursday comes I check my bank account and I was overdrafted again another {$100.00}. So now my bank is overdraft - {$310.00}. Which is honestly exhausting to deal with its like Im playing a game of catch up with chase. It has happened to me before in the passed where chase changes the order of the transactions and it throws me off. Its just mentally exhausting and stressful. I called them tried to get them to reverse the fees. I explained my situation and they said they couldnt do anything.
Product: Debt collection

I have been getting annoying phone calls from a company called Portfolio Recovery. phone number listed is XXXX. They call at ll hours of day and evening from XXXX to sometimes as late as XXXX at night, while we are trying to sleep. I have also contacted my telephone company about 6 months ago and they suggested I block my phone number which I have done. But the company continues to call from a different number. i have also talk to them in the past year and a half and I have told them that they have the wrong person. I have answered the phone several times and I can hear background noise and no one says anything to me. They continue to call to this day even though, I have told them to stop calling me. It has become very annoying to the point that I feel harrassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX , XXXX, My father is XXXX XXXX XXXX. I have disputed an item regarding XXXX XXXX and Portfolio Recovery Associates that does not belong to me. Although I have disputed the item and demanded requirements under Section 609 of The Fair Credit Reporting Act, XXXX continues to allow the derogatory information to continue to be reported without requiring the two above named entities to comply with Section 608 FCRA which requires both above named entities to produce the specific time and date that I authorized my credit to be pulled and the specific contracts/agreements that I purportedly entered into. I have never authorized an account with XXXX XXXX or Portfolio Recovery Associates in my name. The failure of XXXX to require the debt collectors to comply with Section 609 FCRA violates State and Federal Law which is in the jurisdictional enforcement of the CFPB. As of the submission of this complaint the erroneous information is still negatively impacting my credit report. In addition, the investigation by XXXX did not require XXXX XXXX nor Portfolio Recovery Associates to comply with Section 609 FCRA, this violates The Fair Credit Reporting Act.
Product: Vehicle loan or lease

On XX/XX/2021 I applied for an auto loan with NFCU. On XX/XX/2021 I received a call requesting that I lift a credit freeze on my credit bureau ( XXXX XXXX ). I lifted the freeze at there request, as was declined for the auto loan. I followed there appeals process after speaking with a supervisor XXXX. I was informed that a second credit bureau pull would NOT be required. XXXX transferred me to a specialist who read me a disclosure indicating that an additional credit bureau report may be pulled. I let them know and it was documented on my appeal that I did not want a second credit bureau report pulled. This information was documents on the appeal and the member service rep that I spoke to could see it clearly on the request. NFCU did pull a second credit bureau ( XXXX ). This was not authorized and I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated. 

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! 

XXXX 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. 

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!
Product: Credit reporting or other personal consumer reports

Im sending to you to follow up that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing the erroneous inforitems ation which are being posted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX - XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address that does not belong to me, I have never been to or lived there. 
Please remove from my credit report XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ARIZONA XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with NCB Management Services they did not provide me with the original contract as I requested. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 US 1681. XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Noticed on credit report XX/XX/2021, {$12000.00} opened XX/XX/2021 and reported on my credit report as a collections account
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA,  that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  on XX/XX/XXXX, and XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 15 U.S.C 1681 Section 602 A. Clearly states that I have the right to Privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting clearly states that I have the right to Privacy. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

This late payment on XX/XX/year> needs to be removed because I made the payment on time. Please provide the bank statement from XXXX XXXX XXXX to verify that I was never late on this account. If you are unable to provide this bank statement which is the only acceptable form of verification, then this account must be updated to " paid on time, never late, '' as any reporting to the contrary would be false as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXX Ref # XXXX, has violated my rights and fraudulently placed an account in my name that I do not have any knowledge of, owned or opened with this creditor and yet somehow I recently received a letter from them in the mail for a discount payment of a debt I do not owe them. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I went to XXXX XXXX XXXX on XX/XX/XXXX. I never received a bill or statement. in XXXX XX/XX/XXXX, I got a call from Advantage Financial Services saying I owed money on a medical bill. The representative gave me the medical bill provider information and I called to see what it was for. It was for the medical service on XX/XX/XXXX. I stated to them that I never received any communication on this bill. On the first call with the 3rd party bill, I was told they sent 1 statement on 2/25/23. I found out my rights and called back to the 3rd party biller and spoke to someone else, that representative told me there was XXXX  statements sent out on XX/XX/XXXX and XX/XX/XXXX. The XXXX party biller said that was all the are required to send out. I also disputed I got these and they made changes to my account for future communications. 
I then called the office XXXX at XXXX XXXX XXXX, XXXX. i went over with her that I could have got the statement but I do not recall getting anything. I said that I have made arrangements or taken care of every other medical bill related to the XXXX from the XX/XX/XXXX visit. She then called me back on XX/XX/XXXX to say they listened to the call with the XXXX party biller and there was nothing they could do and the bill would stay at the collection agency. When I initially spoke to XXXX she agreed with me that XXXX statements mailed out, no phone call, no other attempt to contact me did not seem right. 
I have taken care of all other medical bills, so why would I not contact them if I knew about the bill. I have verified they made not other attempt to contact me than the supposed XXXX statements sent. 
I had saved money on my XXXX XXXX XXXX pay any smaller medical bills before I paid the largest XXXX. I waited until May, I figured by that time I would have all the bills in and budget how to pay. I could have and would have paid this bill had I received. 
I will not be letting this go. What they did is wrong on XXXX even said that on our initial phone call.
Product: Credit reporting or other personal consumer reports

I sent a letter to Agency for Removal of XXXX XXXX Account # : XXXX in the amount of {$870.00}. They responded with account valid. I contacted original creditor XXXX XXXX that did their own investigation and found I was no longer responsible for this debt due to Identity theft. I have attached proof of this with a letter in this complaint. I also submitted this to the Agency and they did not remove the debt.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Has violated my rights. 



15 USC 1681 section 602. States I have the right to privacy. And according to 15 USC 1681 they are supposed to ensure this whenever consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681C. ( A ) ( 5 ) section states : no consumer report and agency mate 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 crime, which Antedates the report by more than seven years.

15 USC 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 the information is an accurate.
Product: Debt collection

XXXX XXXX contacted me without disclosing their intention of the call, left no voicemail. I called back and communicated with a representative about the alleged debt and stated that I do not owe the debt. The agent asked for information about the nature of my relationship with alleged debt original holder, the agent did not provide notification or inform me of my rights, that is required by law. I requested documentation and verification of the alleged debt, the agent did not provide any information about the debt other than the amount and original holder when I requested specific factual details about the alleged debt. Several days later I received a notification about my credit report having a new collections account from the collections agency XXXX XXXX.
Product: Credit reporting or other personal consumer reports

With a goal of increasing my credit score ( which is above XXXX ), I recently applied for a new credit card and was contacted saying I needed to unfreeze my credit reports. I had no trouble unfreezing with the other two companies, but Experian has been an ongoing problem. I continue to be locked out from my own account because they do not acknowledge that my only phone number I've even had is associated with my account. I have tried logging in via alternative sign-in options ( 'sign in through your google account ' ), which also fails. Thus, I am unable to apply for any additional credit lines due to this freeze. I have requested to log into my account through all options allowed by their site, but am barred from entry and have no way through the system except for my phone number which they do not recognize. I think it is completely inappropriate that professional lapses by this private company could impact my financial fate in this manner. I ask the CFPB to reevaluate the unacceptable consolidation of power by these private interests.
Product: Student loan

I found a link to " XXXX XXXX XXXX '' via an advertisement on XXXX and applied to receive information. However after going through with their consultant that " did n't know where the exclamation point was on the keyboard '' and who also provided contradicting statements I back tracked and made sure to prevent them from having access to any of my accounts. Upon doing so I saw they had changed my contact information without my consent and I was sure to inform my loan holder of the situation so that they could provide a blockage of any third-party organizations. They still continue to contact me and I 've made sure not to converse unless I can gain metadata of our conversations via email.
Product: Mortgage

Nationstar Mortgage LLC, d/b/a Mr. Cooper, XXXX XXXX replied to a request for interest in the referenced property. Mr.Cooper replied " confirming and establishing the interest in and securing the above referenced account '', as the confirmed Successor In Interest. Documents were submitted with an affidavit of heirship and death certificates for the previous borrowers by the Confirmed Successor In Interest. ( 1. ) However, after reviewing the documents, later sent by Mr. Cooper, it showed that a 9.57 % yearly rate of interest was being charged since XX/XX/2006. The first request for an explanation for the abnormal interest rate was sent on XXXX notarized and ignored by Mr. Cooper. ( 2 ) again on XXXX referencing the high interest rate. No response by Mr. Cooper regarding the unusual interest charged. ( 3 ) Again on XXXX to lower the interest was not acknowledged or corrected or explained by Mr. Cooper. A letter was sent to Mr. Cooper as a complaint of discrimination regarding my age, the age of the previous borrowers, and race regarding the abnormal 9.57 % interest rate which started in 2006 and continues down to this day ( copy attached ). I requested information concerning the number of customers Mr.Cooper had serviced using this high % rate. The request did not involve any personal information only numbers and ages. Mr. Cooper replied that they would not submit that request.