23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by IQ data International by phone requesting I pay a debt. I had no idea I owed anything to anyone as I have always paid every obligation that was entrusted in my name. I also did not know if this company or person was a legitimate company. The person on the phone representing the company was evasive and their responses were elusive, rude, argumentative, degrading, harassing and extremely aggressive in dismissing any question I asked of them in regards to the company, their website and license, the debt being requested and refused to put someone else on the line after several attempts asking for a supervisor. When a said supervisor finally answered after several attempts by phone, trying to reach someone else, they acted if not worse or as equally disrespectful as the initial representative. I complained that there is no verification other than a person calling to my phone that I owe any debt to anyone. Several days and several attempts later a person from this company sent an email to me after I requested a validation letter. I said ok this would be the proof I need showing this debt is intended for me through a valid company. I then asked for a detailed validation or itemization in response to the amount I believed to be invalid. I received an attachment through email showing amounts that said " forfeited deposit ''. I question the attachment and said this is not a detailed response showing proof of the amount being requested. Why would I owe a " forfeited deposit ''? This amount and explanation makes no sense. I had told what was explained to me was a manager for IQ Data international, that unless I had details in regards to the balance being requested and proof of these charges from the original creditor ( as I never received previous contact from this creditor in the first place saying I owe anything or itemized proof of why I owe this amount ), until then will I acknowledge proof this debt is legitimate and accurate and will I then be inclined to pay. This has not been done and a debt collector from this company is still calling me. I am more than willing to pay something I am responsible for in regards to the original creditor. Over {$800.00} in move out charges without any details is completely outrageous to me. Had I been properly informed the first time by the original creditor and made aware of any move out charges, I would be able to attest to the disclosed charges of this company and validate them directly as well as make payment arrangements for my responsibility. I never received a letter in regards to move out charges in the mail at the address I provided to the original creditor to this day. So I am willing to dispute this balance IQ Data has sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on three separate occasions asked Transunion, XXXX and XXXX  verify some information that is reporting on my Credit bureau in regards to a XXXX  account on my bureau. Each time they all said it was verified and when I asked for an investigation I received no response. I have since contacted the original Creditor XXXX  and everything reporting in my bureaus is completely different than what the creditor sent me. I intend to sue if the information on my bureau is not updated or completely deleted from my bureau. You did not investigate this properly.
Product: Credit reporting

I have disputed this with XXXX, Equifax and XXXX XXXX several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that one is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.
Product: Credit reporting or other personal consumer reports

Transunion is reporting late payments from XXXX XXXX on my consumer report when I was never late! I have disputed this already with Transunion but they just will not remove the late payments. 
I want the account to remain on my consumer report because I have made 3 years of payments on time and the account is an older account! I just want the late payments removed!
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union concerning multiple overdraft fees that I have incurred. These fees were assessed despite my account reflecting sufficient funds at the time the transactions were authorized.

It appears that the fees resulted from the delayed posting of credits and debits, which created a discrepancy in the account balance. This practice aligns with findings from the Consumer Financial Protection Bureau ( CFPB ) regarding similar issues during their investigation of Navy Federal Credit Union. Specifically, these practices involved assessing overdraft fees on transactions that ultimately settled with insufficient balances, despite sufficient funds being present and authorized when the transactions were initiated.

Under Section 1036 ( a ) ( 1 ) ( B ) of the Consumer Financial Protection Act ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ), financial institutions are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ). I believe these actions constitute predatory practices, as they exploit delays in transaction processing to generate unjust fees. 

I respectfully request a thorough investigation into my account and a review of the overdraft fees charged. Additionally, I urge Navy Federal Credit Union to address and rectify these practices to ensure compliance with CFPB regulations and to prevent further harm to consumers. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit card or prepaid card

Macy 's mailing correspondence address is po box XXXX, XXXX XXXX, South Dakota XXXX. XXXX, the call center manager, has a Macy 's fax correspondence number at XXXX XXXX XXXX. XXXX is an offshore call center manager for Macys. 

I called Macy 's XXXX XXXX XXXX XXXX and spoke with XXXX. He told me he couldn't tell me if my current card was active and asked me to call a cell phone number. I asked for his supervisor. The supervisor was XXXX. She said that she was told that I tried to make a transaction and it was declined. I said that is not what I was not what I was calling about. I said, I want to know if my card is active. XXXX said, the card is active until XX/XX/XXXX. Then I was told by XXXX that I couldn't use my card now after she said I could because she said the system did a change on the expiration date and I could no longer use this card even though I did not request a change and did not activate the new card. 

Now I asked XXXX to let me speak to her manager and she says, the manager is not available. Then she said the manager is available and transferring to the manager and was put on hold. 

XXXX, manager says XXXX investigation is initiated. XX/XX/XXXX expiration fraud requires new card as of XX/XX/XXXX. XXXX says many customers have the same problem when a new card is sent the last week of the month Macys changes the expiration date to the future expiration date of the new card before it is activated and without customer knowledge or customer permission. XXXX, XXXX and XXXX are offshore contracted customer service for Macys.
Product: Mortgage

Carrington Mortgage Services deliberately lied to XXXX  stating that I had surrendered the deed to my property to them in leiu of a foreclosure and that my home was in the process of being liquidated. 

They refused to correct the error on my credit report when asked to do so on XX/XX/2021 even though their customer service dept verified that I was entitled to a temporary forebearance due to my application for Mortgage Assistance not being able to be completed due to a COVID19 issue. COURTS were closed due to executive order, keeping me from being able to submit records to Carrington and the FHA needed for my loan modification application to be completed and processed. In addition this change that is saying my property is set to be liquidated was made as a scare tactic to get me to fork over money when I am not to have anything done to me regarding any foreclosure, until XX/XX/2021. The moratoriums on evictions and foreclosures are in place until then. This false reporting, etc. was made in XX/XX/2021. 

As a result of this situation, I had to pay {$750.00} in attorneys fees, in order to have a lawyer get involved just to remove errant info from a credit report.
Product: Debt collection

Apparently this company purchased this debt, did n't inform me and put it on my credit. It has been removed from other companies  3 separate t imes now!
Product: Vehicle loan or lease

My leased vehicle was stolen and Ally Auto is my lease provider for my business loan leased vehicle I called them to report total loss and they are refusing to accept the details even though the vehicle was stolen and they do have gap insurance on the vehicle in the amount up to {$150000.00} which is more than the vehicle is worth as this point. I been trying to provide them with police report but they are refusing to accept it. Its a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX of XXXX XXXX. The police report is with XXXX Police department report number XXXX phone number XXXX. They are refusing to open a total loss case as required by law since they are my gap insurance XXXX XXXX department. I need them to accept this information and right this off as a XXXX XXXX They are also reporting in accurate information on my credit report since this is a total loss which is a violation of the fcra and the XXXX  debt collection act.
Product: Mortgage

This mechanism has been designed to inform you that back in XXXX and XXXX, my mortgage was with XXXX XXXX XXXX, I was on a repayment plan in the amount of {$460.00} per month. In XXXX XXXX XXXX XXXX bought out XXXX mortgage, then would not keep me on the payment plan that I had so they offered me a refinance plan in the amonkunt of {$1000.00} dollars a month. I had a subprime vendor on that loan at the time in which they did not remove it during the XXXX XXXX. Therefore I struggled to pay the {$1000.00} dollars a month for about 11 months. I then could not keep up the payments. They would not lower the monthly payments, and they stated that I was not eligible for the harp program in which I was qualified at that time. After reading that the Federal Government had sued XXXX XXXX XXXX for foreclosing on properties that they did not own. That is when I had to send in my complaint. They do not own my property either. XXXX owns my property. And XXXX is XXXX XXXX XXXX XXXX XXXX. Something is wrong. I was a victim in this fraud process with XXXX XXXX XXXX as well. Can they really do this to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an adverse account item logged to my XXXX credit report on XX/XX/XXXX in the amount of {$190.00} filed by Aldous and Associates on behalf of XXXX XXXX XXXX XXXX, and the resulting recalculation of my FICO score from XXXX to XXXX. The derogatory credit item is invalid and I disputed it with XXXX in XXXX as soon as I was alerted by my bank. They responded back that the item was verified as accurate. When I called to get the particulars about the investigation, as disclosed as an entitlement in the letter, the associate responded that the investigation is purely electronic. They simply contact the collection agency electronically for verification without any independent evaluation of the accuracy of the disputed charge. Whatever is reported is assumed to be accurate and as a consumer I have no ability to refute the claim. 

The circumstance of the disputed charge is as follows : I signed up with XXXX XXXX for month to month membership at a cost of $ XXXX/month. After an unexplained XXXX on the treadmill on XX/XX/XXXX, resulting in a visit to the Emergency Room, I was advised by my doctor to discontinue my workouts until a full XXXX XXXX and XXXX XXXX could be scheduled. Upon receiving that advice, I immediately called XXXX XXXX to terminate my membership. I had paid in advance for the month and had no outstanding balance. They urged me to come in to speak with an associate regarding the termination but after explaining the circumstance of my situation, the associate agreed to terminate my membership on the phone. Approximately 7 months later, I received a collection letter from Aldous and Associates on behalf of XXXX XXXX claiming a delinquent balance and collection fee in the amount of {$250.00}. I made multiple calls to XXXX XXXX and to Aldous Associates in attempt to resolve the dispute. They were unable to explain the charge and were extremely rude to me, talking over me, threatening to destroy my credit, and even hanging up on me. They did not respond to my letters. 

Attached is a copy of the Explanation of Benefits from my health insurance company documenting the emergency room visit and XXXX testing from XX/XX/XXXX. An examination of the XXXX XXXX records will show that I have not visited the XXXX since that day. Also enclosed is my credit card statement showing two payments to XXXX XXXX for {$10.00} covering the months of XXXX and XXXX, XXXX. 

I request that this false item be removed from my credit report immediately, and that my credit score be restored to its prior-calculated value. I have had over 40 years of perfect credit, and it is inconceivable to me that an unsupported claim by a disreputable collection agency and local fitness studio for an erroneous {$190.00} charge should be allowed to diminish my credit score which has been consistently over XXXX for many years.
Product: Debt collection

I have this company listed on my credit report and I have no clue nor idea what this company even does.  I have been disputing it with XXXX and they are returning saying valid.  I have been asking for my wet signature or documents that makes me the owner of this unknown account.  I was a victim of identity theft, and I assume this is one of the accounts?This is damaging my creditworthiness and I would like it removed.
Product: Consumer Loan

CFPB Shuts Down USA Discounters ' Servicemember Fee Scam!!!! 

I had a XXXX and electronics fro USA Discounters. Pretty much a whole house full of furniture. My concern is that for the longest time i was paying my bill with them to the day i paid it off I 'm affraid i might have been ripped off with the scam you all busted them on. Please research my account with themXXXX XXXXXXXXXXXX/XXXX/XXXXMy account was set-up back in XX/XX/XXXX and i paid everything off XX/XX/XXXX i think if my memory serves me right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please fix my correct updated address of : XXXX XXXX XXXX XXXX, IA XXXX
Product: Credit reporting or other personal consumer reports

in XXXX, i sent a debt validation request to Credit Collection Serv regarding an account originally from XXXX XXXX with a balance of {$240.00}. I requested proof of their legal right to collect the debt, a detailed account history, and documentation verifying my obligation to repay. Despite sufficient time for a response, I have not received the requested information. The account remains on my credit report as " past due '' despite being paid off, which I believe is inaccurate and unfairly impacting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim. account that was charged off is not my account. already removed from XXXX  and transunion. 
XXXX  for {$3600.00} is not mine XXXX XXXX XXXX {$1900.00} not mine
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX : {$2400.00}.
Product: Credit reporting or other personal consumer reports

All three bureaus have refused to update my child support. I have current payments and they are saying that I havent paid since last year. I reached out to the Attorney General Office and they provided me with pay history that I am attaching below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( the company that received a no-action letter ) place a fictitious loan on my credit report. I called them, wrote them, sued them ... and obtain a {$10000.00} judgement which they appealed-went to an arbitration where the arbitrator appears to be convinced I did not complain loudly enough to officials. They created the loan with e-signatures-never asking for a valid id ( The Patriot Act may have been ignored ) ... .and I have been fighting for nearly one year to remove them. I went to the police-they said they had no jurisdiction-went to the FTC ... file 13 ... I plan on pursuing all possible remedies including Federal Court. 
The loan was issued using a business address in the State of XXXX-I live in XXXX XXXX ... to a bank in either XXXX  or XXXX-XXXX XXXX. The originator was XXXX-the lender XXXX XXXX XXXX. ( recently cited by the State of XXXX XXXX ). 
I am not sure if I was the only person ... or more people have these phony loans.
Product: Debt collection

On XX/XX/year> I received an notification from XXXX XXXX that I had a collection debt from sunrise Credit services saying I owe {$1.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX I dispute the debt through XXXX XXXX through XXXX I also contacted sunrise Credit service to ask who what and where this debt belongs to. Sunrise Credit service responded by asking for my name email and social security number. I gave them my name and email but I would not give them the last four digits of my social security number they stated that the way I filed my dispute would not get me the outcome I was looking for, I would have to file it through sunrise Credit services to have my debt resolved, I knew that was wrong and I decided to contact and file a complaint through consumer finance so I can get this battered handle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, other items still need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX XXXX, AL, XXXX CXXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$4300.00} XXXX XXXX XXXX  Account Number XXXX Open XXXX XX/XX/XXXX Balance : {$0.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.
Product: Mortgage

On XX/XX/2020, at approximately XXXX hours I returned a phone call to Quicken Loan. Previously I had sought information regarding a possible rate reduction and refinance. I have today as well in the past forbidden Quicken from pulling my credit score. I advised them NUMEROUS times I absolutely did not want me credit score pulled. I was inquiring to find out what ballpark rates would be for a refinancing of my property. I was speaking with a male mortgage advisor, XXXX. 

XXXX advised me that he would speak with his senior advisor and find a way he could do so without pulling my credit report. 

Shortly after we ended our call I received a credit report advisory that my credit had just been pulled. I was recontacted and I advised XXXX that I was really XXXX off. XXXX played as if he did not know why. He then told me that he thought it was okay if he pulled my credit. XXXX is deceitful and a liar. At no point of our conversation did I ever give Quicken or XXXX permission to pull my credit and lower my credit score. I feel this is a ploy/scheme used my quicken to lower peoples credit scores to keep them held hostage in the mortgage business. This is dirty business and it should be investigated immediately.
Product: Debt collection

Pinnacle continues to try and collect a debt I do n't owe. I have disputed the debt with pinnacle credit and I am currently suing them for re- aging this old account on my credit report for the past two years. I have included a copy of the credit report of the account in dispute that was opened in 2010. Pinnacle was notified of this several times as well as the dispute but continues to break the law.