23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with LVNVFUNDG account number XXXX dated XX/XX/year>, with a balance of {$3000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that LVNVFUNDG provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

Debt collection agency continues to add interest to my medical debt. They ca n't provide me with the interest rate information when asked. I am told just pay this and it wo n't matter we will waive the interest when you pay us off.
Product: Credit card

This is my XXXX XXXX credit card that I have had for five years now. Ive only ever used it for gas or groceries and I immediately pay it off. Somehow theyre messing with my money now. 

My due date is the XXXX of every month. 

I made a payment of {$34.00} on XX/XX/XXXX and was charged a {$41.00} late fee on XX/XX/XXXX. 
This payment has still not reflected on my balance and my balance keeps going up. 

I paid {$40.00} on XX/XX/XXXX and it has still not reflected on my balance. 

Finally on XX/XX/XXXX I paid my full balance statement of {$150.00}. On XX/XX/XXXX they charged me another {$41.00} late fee. 

I paid my full balance, and somehow they still have not reflected this on my balance and now my balance is {$200.00} I have all the screenshots, I called my XXXX XXXX bank, and they said that First Progress has indeed received my payments and no one at First Progress is able to help me or tell me why my payments are not reflecting on my balance, and I am very frustrated, Ive made several claims, they said they would remove my late fees and they have not. I have gotten nowhere and I feel helpless for this has now dinged my credit TWICE! I dont even use this card ever and somehow my balance is {$200.00} I have sent emails and gotten no response, nothing has helped and I am desperate for someone to please help me figure this out for now. It is affecting my credit. If someone can please call me or email me, I have screenshots between my credit card transactions as well as my bank transactions and I just want this taken care of for it has caused more stress than I can put into words. Thank you.
Product: Mortgage

I am once again filing a complaint against Wells Fargo, regarding the settlement with you, the CFPB in XXXX XXXX 
I have previously filed a complaint here, based on the facts that I feel I should qualify for a portion of the settlement, with regard to a Mortgage Modification in XXXX.I have provided documentation, both to the CFPB, and to Wells Fargo directly , which shows where they withheld information and documents from me, in the modification process. Wells Fargo says they don't believe I should be a party to the settlement. When I have repeatedly asked for their reasons, or their matrix on how they are deciding who is a party to the settlement, they refuse to provide, stating that is internal and propriety information. I am asking you, the CFPB, to get involved. This company should not be allowed to simply deny someone's request, and ignore the information, and refuse to pay. If I truly don't qualify, based on some real and documentable basis, I'll drop it. But with the previous deception, and their inability to provide their qualifications, this smells dirty... again.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediately corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Checking or savings account

I am writing to file a complaint against 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 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, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, PNC BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four disputes to experian, XXXX, XXXX  all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to these accounts.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We started a XXXX XXXX  XXXX in XXXX in hopes to save our home. After trying to make the large payment on the XXXX we came to terms that we just couldnt afford it, so all the debt that was Included in the bankruptcy was now back on our credit except now they are showing the bankruptcy as well, but we never went through with the bankruptcy so how can my credit show all of the debt and the bankruptcy when we never got the benefit of the bankruptcy.
Product: Vehicle loan or lease

I purchased my new XXXXXXXX XXXXXXXX in XXXX, my initial loan servicer was through Suntrust Bank. Not long afterward they merged with Truist and I had continued to pay my loan payments on time or a little ahead of time. 

I moved to XXXX in XXXX and began the process to get Truist to send the lien title to the DMV for the first time in XX/XX/XXXX. I made multiple trips to the DMV who have not received the title from Truist. I then was unable to register my vehicle due to Truist not sending the title. I have contacted Truist on a monthly basis and recently over the last 2 months have been contacting them on a weekly basis. One month ago I paid off the vehicle since I wasn't getting the lien title sent thinking then they would have to send my title. I spoke with the corp office and had even made a XXXX XXXX  complaint to no avail. I received a voicemail from Truist on this complaint and have since then called that person multiple times and only receive voicemail without a call back. 

Most recently they mailed a form saying that I had paid off the loan, which I took to the XXXX XXXXXXXX. The DMV again told me that they had to have the actual title from in order to issue my registration etc. I again called Truist who repeatedly says they do not have my title and have been giving me the run around. I have called the XXXX and XXXX XXXX ( as these were the only other states previously registered in who report they do not have my title. My XXXX has been sitting in my carport for almost a year now, even though I own it I can not legally drive it without the DMVs registration, tags, etc. I believe this is illegal. Its seems fraudulent to have held the title as a lien holder then not provide to the owner the title even after the loan has been paid in full. I am beyond frustrated with this and have spent so many hours trying to resolve this issue on my own. Please help any way you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX charge off appeared on myTrans Union report and was probably a result of a security breech. I tried to dispute this unknown account with Trans Union but their system won't let me back in after having filed one dispute. It won't recognize my password, and then their website won't take me beyond the next page. I have filed an identity theft report with the FTC ( FTC report : # XXXX ) regarding this charge off. 
can you please help me reach them?
Product: Credit card or prepaid card

I was scammed into buying gift cards totaling {$12000.00}. But the credit card company says it is {$17000.00}. I have tried to get the conversations with the scammer but have had no luck in getting this information. If I had this information I would be able to prove I had only purchased 24 gift cards at {$500.00} which is {$12000.00}. Because those conversations have the gift card # 's on those conversations on them. If there have been more gift cards purchased the scammer used my card to purchase the additional {$5000.00} using my card numbers. These transactions occurred onXX/XX/XXXX& XX/XX/2019.This happened on my computer, I was informed by Microsoft that I had suspicious activity on my card and to call them. They said they would connect me to a direct line to my credit company, which was Capital One. When I was connected I looked on my phone and it was the number to Capital One customer service which is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a Experian Boost member prior to XX/XX/XXXX2021 and I received correspondence via email from Experian. I wanted to stop the emails from Experian however they are not CAN-SPAM Act compliant and do not have an " Opt-Out '' link or mechanism via the email as it should to unsubscribe. I called Experian and cancelled my boost account and specifically asked for them to not email me again. The representative complied and told me this was taken care of. I then received an email stating that I was no longer a XXXX   member again with no CAN SPAM Compliant link to unsubscribe. They go so far as to say, " you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book. '' I then check their privacy policy and still no way to cancel or unsubscribe except this statement. " If you need assistance or have any questions about this Policy or our privacy practices, please call us at XXXX. '' I called the # and was put into a never ending Do-loop of the same thing with no way to Cancel or Unsubscribe from their bombardment of emails. 

So I've received 5 more messages ( datedXX/XX/21, XX/XX/21, XX/XX/21 & XX/XX/21, since I spoke with a rep on XX/XX/21 to cancel further correspondence with Experian except via Postal mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/XXXX Experian has on my credit report Inquires shared that I did not approve or sign giving consent to the Inquires> Experian needs to remove the ones I listed and/or proof the source the document I gave them to consent to check or run my credit. I need document that shows my signature or remove from my credit file. Some Inquires I approved The ones I listed I did not consent to or sign as it shows the same companies running credit or dates I did not apply for credit. 

1 XXXX XXXX XXXX. XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XXXX XXXX XX/XX/XXXX 5 XXXX XX/XX/XXXX 6 XXXX   XXXX  XX/XX/XXXX 7 XXXX XX/XX/XXXX 8 XXXX XXXX XXXX XX/XX/XXXX 9 XXXX XXXX XXXX XX/XX/XXXX 10 XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX 11 XXXX/XXXX XX/XX/XXXX 12 XXXX XXXX XXXX XXXX XX/XX/XXXX 13 XXXX/ XXXX/XXXX XXXX 14 XXXX  XXXX XXXX XX/XX/XXXX These companies I did not apply for credit in any way and who ever ran the credit did fraud and I need documents of my signature to these companies and the Inquiries Deleted/Remove.
Product: Mortgage

Approximately on or about XX/XX/2018, I called my mortgage company and explained that I would be out of work for a few months and requested to be set up on their financial hardship plan. They offered me the " Forbearance Plan '' option which would consist of No late fees or penalties, no negative effect on credit or reporting to bureaus, and in I would be able to " skip '' my XXXX mortgage payment of {$800.00} and instead make three payments of {$1000.00} in XXXX, XXXX and XXXX. I agreed to these terms, and upheld my end, but I was not only charged tons of fees, I was threatened with foreclosure, reported to all credit bureaus, called at all hours of the day. I explained to them that had I known that this " help '' they offer was really going to hurt more both financially and mentally, I would have never agreed. Then to add insult to injury, after finally getting tired of losing time at work trying to straighten this all out, I just coughed up all the money for fees and I get a call saying that my mortgage company is charging me for mortgage insurance ( at an outrageous rate ) ( stating I dont have it ) that I have continuously carried since day one without fail. Upon further investigation, I have found that My home was double insured ( I carrying my own, and them sneaking one in ) since spring 2018. When I brought that to their attention, they said they would look into it and remedy, and after a couple weeks, I called back, and they claim to know nothing about it. Rough calculating, I have been charged over {$3000.00} in forced insurance, late fees, and interest at minimum.
Product: Credit card or prepaid card

When I upgraded my credit card on XXXX, I was told that till XX/XX/XXXX the annul fee of {$95.00} will start to kick in. So I downgraded this card in XX/XX/XXXX. 

Yet, American Express not only charged me {$95.00} but also charged me a fee of {$53.00} on XXXX, XXXX. When I was trying to solve the problem with {$95.00} fee charged supposedly on my new non-annual-fee card, I found this hidden charge. 

I talked to their online representative and learned that because the free one-year period was over, so they started to charge. I said I didn't receive any reminder of that, not in your promotional materials, not in the email before you were going to charge me on XXXX, XXXX. This is fraudulent and misleading promotion. Hope more American Express users pay attention to issue.
Product: Credit reporting or other personal consumer reports

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here Delete this unconfirmed inquiry lacking certifia evidence unless physically certified verified proct is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it a s Paid,  was a charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In Experian report, it is stated a s FP ( Fail to Pay ) as  of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to Experian.   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced b y credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason Experian took such action was because I express dissatisfaction with how Experian was handing my credit investigation with  XXXX   XXXX   XXXX  . The Experian are punishing consumer who exercise there right to ask for fair credit report treatment
Product: Credit reporting or other personal consumer reports

For the last several months, I have not been able to get a Trans Union credit report or even go online to dispute information. On XX/XX/XXXX XXXX in via XXXX and they said that they would work on it. The representative messaged me back and asked if I knew and I said yes, it was my husband. They proceeded to tell me that his information is intertwined in my account and I asked What lender was reporting it because XXXX XXXX XXXX XXXX has had issues with me and have been incorrectly reporting things. The XXXX XXXX XXXX also has contradicting information because they send me different letters saying its fixed on different credit bureaus but its not! The agent refused to help me and they refused to give me free credit report. Ive called via phone, via message and Ive done previous complaints.
Product: Student loan

I have nothing but issues Mohela and PSLF counts-its always off, and they are making it so you never make it to the XXXX payments because they keep miscounting. 

I had XXXX payments before XXXX XXXX which was 4 months added which would be XXXX total-they claimed it was XXXX and fought with me about 4 months, tried to take a month off that they approved. My current job, XXXX  XXXX was submitted for XXXX 2024 which is another 4 months=114, and then I turned in 2 months for XXXX  XXXX XXXX XXXX XXXX, which is another 2 months which should equal XXXX not the XXXX they keep saying. I have called a few times to try to correct this, and they keep saying its less and not counting employment they approved. I have also contacted student aid with no response. I keep getting generalized emails with no solution.
Product: Debt collection

According to my XXXX XXXX Report, National Credit Managed placed a falsely alleged debt of {$2500.00} on my credit report. I continue to get harassing phone calls daily from fake phone numbers. I can only assume it is National Credit Management. They are in blatant violation of the Fair Debt Collection Practices Act. According to the FDCPA I have no legal duty to communicate with, or work with, in any way, a third party debt collector. I REFUSE to work with National Credit Management and DEMAND they cease and desist all future communication with me. This falsely alleged debt is originally from the University XXXX XXXX  XXXX. I was a student at the University XXXX XXXX XXXX from XXXX to XXXX. I did well in my first two years and nearly completed my XXXX. Unfortunately, I signed up for a XXXX XXXX XXXX position. I did not know the XXXX to whom I was assigned, nor did I know or understand the subject matter. The XXXX complained about my alleged poor performance to the Department. I was not notified so that I could respond. I learned of the complaint through a private email from my mentor who stated he had personally recommended me for the position, and that due to the false allegations of poor performance from the XXXX, I had negatively affected his reputation. I suffer from legally defined XXXX under the XXXX, these are XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. I spiraled into XXXX, and dropped all of my on campus courses. I tried to take online courses but the university offered no online courses relevant to the completion of my XXXX. I tried therapy through the Student Counseling Center but was unable to return to regular course work. I dropped all of my courses for MEDICAL REASONS, therefore any falsely alleged tuition SHOULD HAVE BEEN REFUNDED. I took my complaint all the way to the Dean of the XXXX XXXX as well as to the XXXX XXXX office. I was ASSURED, that I would NOT BE CHARGED, yet the idiots at the Bursar 's Office sent this bill to collections anyway with massively accrued interest doubling the original falsely alleged amount. If this is not removed from my credit reports immediately, I will file a complaint with every state, municipal and federal anti-discrimination office. I will be forced to take legal action. Going to the University XXXX XXXX  XXXX, and even going to college  at all, was the worst mistake I've ever made in my life. I hate school, I hate college, and I hat XXXX   most of all.