23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2022, XXXX XXXX XXXX ( caretaker and brother of the named alleged debtor ) died ... .After his death, XXXX XXXX XXXX XXXX getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. The decased was in a position to tak advantage of me. I trusted him totally and he would take care of my bills. This creditor was notified of the fraud, XXXX - the police dept. will not provide a copy of the report. The deceased brother took money out of a bank account associated with this credit card without my knowledge and also opened up a credit card on this bank in the name of XXXX XXXX XXXX. If there was a signature it was was forged when the account was opened. Alleged Debtor is XXXX, was a victim of fraud. XXXX has been notified by email and documentation provided, but refuses to accept that this is fraud. Sent letters providing this information. They are denying the claim of fraud, although we have provided proof - and XXXX XXXX was not authorized on the bank account or was the credit card associated with this accout requested by me ... The bank let XXXX XXXX remove funds without my permission and opened an account without my permission. I have repeatedly told them this- now they have turned this over again, to collection. This is a fraud with charges made by a deceased party for things I did not know or receive or approve.
Product: Credit card or prepaid card

I was recently furloughed, so my employer filed unemployment on my behalf. When I checked my UI status online, it shows my funds went to a prepaid debit card that I haven't received yet. When should I expect to receive this card? It's been nearly two weeks.
Product: Credit reporting

I tried to obtain my free annual credit report on annualcredit.com and was asked questions about a mortgage and credit cards that are n't mine and was denied my online credit report.
Product: Vehicle loan or lease

On XXXX XXXX I was denied an extension of credit by Bank of America thru XXXX XXXX XXXX XXXX XXXX. According to the equal credit opportunity act it is against the law to proclaim adverse action against a consumer pursuant to 15 USC 1691 ( c ). Civil liability has been assumed pursuant to 15 USC 1691 ( k ). Proof and evidence I have of the discrimination is the letter dated XXXX XXXX. This will be considered an unauthorized use since I have received no benefit. 15 USC 1681m, 15 USC 1642, and 12 CFR 1002 can be noted as well if my federally protected consumer rights violations.
Product: Credit card

On XXXX payed XXXX on a balance of XXXX they double charged bank account to a total payment of XXXX tried to dispute they emailed me saying I made the duplicate payment of exactly XXXX when they dont even have a payment feature that over pay on the credi card
Product: Student loan

I just restarted paying my loans with Aidvantage as of XX/XX/XXXX. I was told that to qualify for the XXXX repayment plan, which detailed no interest will accrue as long as I make payments, I need to consolidate my loans. I started the consolidation process on XX/XX/XXXX and have been charged interest weekly, with my loan balance going up several times over the course of the same month, XX/XX/XXXX. I have even made several payments this month and my balance keeps increasing with new accruing interest after each payment. 

My starting balance was {$190000.00} on XX/XX/XXXX. I made a {$25000.00} payment on XX/XX/XXXX, and my balance went to {$160000.00}, however should have been {$160000.00} ( so interest of {$23.00} over the course of a day ). I then made another payment of {$25000.00} on XX/XX/XXXX, and my balance went to {$140000.00} ( so another interest charge of {$70.00} over 2 days ). I made my last payment on XX/XX/XXXX of {$25000.00} and my balance went to {$110000.00} ( so another interest charge of {$84.00} over 5 days ). 

Aidvantage is wrongfully collecting interest even though I am making regular payments and the loans are in the process of consolidation.
Product: Credit reporting or other personal consumer reports

For several years I have been trying to erase the bankruptcy from my credit report, I have sent multiple letters with the necessary evidence to erase this bankruptcy from my credit file to XXXX and Transunion and they do not pay attention to me. It is bankruptcy. It was dismissed. It never happened, but a judge I stayed at the table I went to the bankruptcy court and asked if they sent any information and they told me that no, they do not report to the credit bureau separately, it was a dismissal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I don't recognize these inquiries listed below at all, and I need all of them removed from my credit reports. In Accordance With the Fair Credit Reporting Act the Inquiries listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute in regards to the in correct item on my credit report.Its been well over 30days and i havent recieve any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to the pandemic we COVID-19 the world is facing now my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022 and XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/2022. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Mortgage

I had a negative escrow balance on my mortgage, I sent my mortgage company {$3000.00} to be applied toward the escrow, switched home owners insurance carriers ( {$1400.00} difference ) and have paid and extra {$480.00} dollars to be applied toward the escrow for the past XXXX months ( {$1400.00} ). I 've called at least XXXX a month since XXXX 2015 asking for a new escrow analysis to be done and I 'm always told the order is put in and I should receive something within XXXX business days. Each time I call, the previous order was never completed. I 've applied a total of approximately {$5800.00} toward my escrow and Ocwen refuses to recalculate my monthly payments.
Product: Debt collection

On XX/XX/XXXX I submitted a complaint with CBE Group on debt collection and written notification about debt since I did not receive by mail. I got the response on XX/XX/XXXX from the company from XXXX XXXX a compliance officer. She states the client will forward debt validation. From what I hope by mail, not email. because she states CBE Group sent notice of collection account on XX/XX/XXXX meaning final notice before being sent to credit bureaus. CBE Group sent to an email address which is that she supposedly confirms by " matching ''. I do not see any attachments from my complaint # XXXX in which I provided documents ... why isn't this shown for me to inspect. XX/XX/XXXX and XX/XX/XXXX the accounts was opened in the credit bureaus. Then they send to my email address on XX/XX/XXXX for notice. Which is wrong and falsification. I do ask since you sent this " notice '' how come you couldn't send a BILL THROUGH EMAIL. Explain that. So now the client is forwarding my debt validation soon from which source email or mail it is not clear. So now I am filing a complaint on false statements. Again I do not believe anything was sent to my email, if it was this company they are not in my contacts, first I wouldn't know who they were to begin with, with no bill or account number, etc. It was probably sent to junk, If it got into my inbox I still would not know who these people were unless I got a bill. So since this is in credit bureaus I apparently have no resolve, in which I offered, but you want me to discuss the matter, to what record me. You all ready have made false statements. Please note XX/XX/XXXX. XXXX email was sent : by client on XXXX XXXX. Not in XX/XX/XXXX. The documents I enclosed are when this account went into credit bureaus XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX a notice of collections was supposedly sent to email, a notice means before being sent to credit bureaus. How can this be?
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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is XXXX XXXX XXXX, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and they are not related to any transactions by me XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX and XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also listed under inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, Factual Data XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/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 an account without my written instructions.
Product: Credit card or prepaid card

My credit card payment to Synchrony Bank Care Credit Call ( XXXX ) XXXX Synchrony, XXXX XXXX XXXX, XXXX, FL XXXX is due on the first of the month every month. I make my payment one day early before the due date. I am being charged a late fee in the amount of {$41.00}. This is fraud. I called the customer service number and they were not able to provide me with an acceptable answer.
Product: Mortgage

On or about,XX/XX/XXXX, My husband and I, bought our first and only home through XXXX XXXX Mortgage XXXX XXXX , Ks . With interest rate of 9.4 %, 30 year loan, last payment to be, XXXX/XXXX/XXXX. Amount financed {$40000.00}. Then on or about XXXX to XXXX, XXXX XXXX Mortgage took over our loan. Beginning balance of {$41000.00}, interest rate 9.4 %. Then on or about, XXXX to XXXX, XXXX Mortgage took over our loan. At this time I believe the loan was modified and interest brought down to 8.5 %. Then on or about, XXXX, Aurora Loan Services Inc. took over our home loan. During the time with Aurora the loan was modified to Interest rate of 6.0 %. Then on or about, XXXX to XXXX, XXXX loans took over our loan. With interest rate remaining at 6.0 % as of XXXX/XXXX/XXXX. Balance of {$37000.00}. Then on or about, in XXXX XXXX XXXX XXXX took over our loan, principal balance, {$40000.00}, interest rate 6.0 %. Then on or about XXXX, to present, NationStar mortgage took over our loan. With interest rate remaining 6.0 % and principal balance of {$32000.00}. 
I have made attempts at investigating with, XXXX, XXXX XXXX XXXX, and Nationstar, asking for explanations of how our loan beginning in XXXX to currently XXXX, ( which is approximately 23 years ), could have a balance of {$32000.00}. Meaning we have only paid {$8100.00} in 23 years? But no one is willing or able to investigate our loan thoroughly for accuracy of our payments and credit for those payments. Unfortunately, we were ignorant to believe that banks do n't make mistakes, and we should have balanced our loan payments like we balance our check book. Although, we may have had some life events that caused our less than perfect credit, this loan still makes no sense because I am certain that had we only paid {$8100.00} to our principal balance in 23 Years, we would not still have our home. We are current on our payments as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, 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: Payday loan, title loan, or personal loan

I have been having financial issues and I had worked out something with them before but things did n't go as planned for me and I 've talked to XXXX a few times and told her that I was n't sure when I would be able to pay. I know that I owe and I had an issue before with them calling my work and also calling my references and my dad. I told them not to call my job or the family but yet they are still calling my references and family and also telling them why they are calling and telling them that it 's because I have n't paid my loan. Not only is this a breach of privacy but it is embarrassing for me beacuse I do not want anyone knowing about my financial difficulties. I am extremely upset but the things that have went on with this company. I 've submitted a complaint against them before for this same reason and apparently it was never resolved and I do not appreciate the blatant disrespect for my wishes by the employees there.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients.

Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ..., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to turn off overdraft protection before a few transactions debited my account. I call the bank, they told me to come into the branch. I was not able to go into the bank due to XXXX. I went to the ATM machine to cancel overdraft protection but it would not allow me to cancel it. 

The bank continued to charge me overdraft fees. The overdraft fees were XXXX time as much as the debits. 

On XXXX, I went into the bank branch on XXXX XXXX XXXX XXXX XXXX, NC XXXX and complained about {$480.00} being taken out of my other account ( XXXX ). They told me to call Truist XXXX Department ( XXXX ). I called the recovery department ( XXXX ) first person hung up in my face and second person told me to go to the bank branch and ask for the XXXX. 

At this point Truist will not give any of my money back. They are refusing to look into the matter.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate information on my credit report, specically incorrect address, and other variations of my details that are not accurate. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, remove other variations of my personal information. I am currently XXXX please remove this XXXX XXXX XXXX Make sure that only veried and accurate information should be in my personal information. I would like written conrmation along with an updated copy of my credit report. Please address these inaccuracies promptly.
Product: Debt collection

I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into XXXX  with the intent of stealing or not paying for the merchandise. He then hung up.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

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

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


XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds in my account when transactions were made, I was charged fees due to lagged or delayed posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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.