23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Navy Federal Credit Union, I am reaching out through this CFPB platform to request a goodwill adjustment for the late payment reported on my account in XX/XX/XXXX. This late payment was the result of a billing error that I was unaware of at the time. I value the relationship I have built with Navy Federal Credit Union and want to emphasize that my payment history has been consistent and reliable. There have been no other late payments before or after this incident, and the account has been in good standing since it was opened on XX/XX/XXXX. 

I was unaware of this late payment being reported until I recently applied for credit and discovered it on my credit report. This negative mark is not reflective of my overall history with Navy Federal and has significantly impacted my credit score. The removal of this mark would help me tremendously in achieving my financial goals and maintaining a strong credit profile. 

I opted to send this goodwill request via CFPB as an alternative to a certified letter due to the time, cost, and uncertainties associated with mailing. I hope that Navy Federal will consider this request and provide a favorable outcome to reflect the overall positive standing of my account. 

Thank you for your time and understanding. I look forward to hearing from you soon.
Product: Debt collection

Had a man call me claiming he was a detective and I owed on a payday loan for Ace cash express claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam.
Product: Debt collection

I received some phone calls from collection agency asking to paid for a bills I do not own. I returned my equipment to XXXX when I closed my account and I do n't understand why I get Harassment calls and treated from collection agency all the time even on my cellphone. I do n't own anything to XXXX.
Product: Prepaid card

I wish to formally address an ongoing concern regarding unauthorized transactions on my XXXX card, established through my employer with Optum Bank. Please refer to the attached " XXXX XXXX XXXX '' for a detailed breakdown of all account activities. 

From XX/XX/XXXX through XX/XX/XXXX, numerous transactions amounting to over {$6000.00} including ATM withdrawals, charges from XXXX, XXXX, XXXX, and others were executed without my consent. Actually, all the withdrawals and charges in that period were not authorized by me. It is strange to think that someone would use an XXXX card for such expenses. 

By XX/XX/XXXX, I became aware of these unauthorized activities a realization that came very late, for reasons I'll detail below. Consequently, I promptly disputed all these charges with the bank. I also immediately initiated an " Account transfer '', moving the funds to XXXX, to protect the remaining balance. The account transfer arrived at XXXX on XX/XX/XXXX, and was recorded as XXXX separate account transfers on XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I received a refund of approximately {$2900.00} via the " visa/mastercard debit card credit '' process. However, a significant amount is still in dispute. 

After that, I didn't get any refunds from them. I also observed refunds labeled " visa/mastercard debit card credit '' but were subsequently debited back using the " XXXX liability process ''. This action was taken without providing any clear explanation, which I find concerning. 

I'd also like to point out that I believe Optum Bank should take full responsibility in this matter. I was locked out of my online account until XX/XX/XXXX, hindering my ability to monitor my account for over a year. Despite my attempts to reach out, my concerns remained unaddressed until XX/XX/XXXX. For instance, I was once redirected by a customer service representative to a phone number of another department who supposedly managed my account ; however, they never answered the phone call. On another occasion, the customer service told me they would perform an investigation and I was assured a call-back after investigation, but that call never came through. Additionally, they didn't send any paper statements during that time, which compounded my challenges, leaving me uninformed about the unauthorized transactions. 

This situation makes me question Optum Bank 's commitment to ensuring customer security and awareness. Had I been granted access or received regular paper statements, I would've been alert to these unauthorized transactions sooner. 

For your reference, I've also attached " optum mails.pdf '' which contains correspondence from the bank regarding decisions on some charges. However, it's important to note that these mails don't encompass all the disputed transactions.
Product: Credit card

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 reque
sted 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct ( XXXX ) This not mind account, please remove from my credit report asap
Product: Debt collection

i have voicemail from an automated system on XX/XX/XXXX and advised them not to contact me at my place of business and they did the next day. i called them back advised them again to not contact and again i was advised the number is removed again and it may take 24 hours. again today i received another call from them and spoke with the supervisor, who said they have removed the number.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : TN CHILD SUPPORT Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

Account Name : TN CHILD SUPPORT Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

I would like to formally dispute the hard inquiries listed on my credit report, as I believe they are fraudulent. Please investigate these entries and take the necessary steps to remove them from my report. 

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 EXPERIAN 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 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 XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

This will be my second complaint against Ocwen in three months. I have applied to have my mortgage modified three times in the past year. Each time it was denied because we had the ability to pay the current payment. The loan was going to mature on XXXX XXXX 2015, and I contacted Ocwen a week before the maturity date to ask when I could submit another request. I was informed that as long as it was done before the loan matured, it would be considered for a loan mod. I asked the " relationship manager '' three times that if the request was submitted before the loan matured that was enough time to do a modification, and she said " yes ''. I submitted a request before XX/XX/XXXX., and on or about XX/XX/XXXX,XX/XX/XXXX, I logged-on to Ocwens website, and a message for our account stated that we were granted a 'trial loan modification '. Today XXXX logged-on to my account, and a message stated that our loan mod had been denied. I contacted Ocwens relationship manager, and told it was denied because the loan had matured, and they couldnt do anything. I am very upset. I have not recieved any consistent information from that company, and now we are in danger of losing our home
Product: Vehicle loan or lease

I applied for a Used Car Loan at Navy Federal Credit Union. The loan was for {$21000.00} at an interest rate of 10.49 %. The loan was approved and I was issued a check to make the purchase. I purchased the car, a   XXXX   XXXX   XXXX  , from   XXXX   XXXX   XXXX  , for the sum of {$21000.00} and paid with the Navy Federal Check I was provided by the Bank.
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The   XXXX   XXXX   began to develop problems and I returned the vehicle to the Dealer who attempted to fix the vehicle. The problem persisted and I returned the car back to the Dealer who offered to exchange the car with another car. I accepted the offer.
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I informed Navy Federal and because of the exchange Navy Federal now wants to increase the interest rate on the transaction even though the transaction had been completed between Navy Federal and myself. Further, the exchange was by the dealer for another car.
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Navy Federal can not change the terms of a deal after the deal had been consummated between myself and the bank.
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The breakdown of the Navy Federal loan is as follows : Loan - {$21000.00} ( Check Amount ) Loan Protection Plan - {$190.00} ( Added to the check amount ) Total Shown on Contract - {$21000.00} I have made payments on the loan as I agreed to and the Bank continues to accept my payment.
Product: Credit reporting or other personal consumer reports

Please be advised that there are items on my report that do not belong to me. 
These items are a result of identity theft. 
Please see attached.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Unauthorized Information Disclosure Pursuant to XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing or obtaining of my consumer information by your agency. Therefore, any information contained within my credit report that has been obtained or provided without my explicit written consent is inaccurate and in violation of federal law. 

Upon reviewing my credit report, I have noticed entries that suggest my information has been furnished or obtained without my authorization. I have not authorized any entity to share or request my consumer information with your agency. As such, any entries attributed to me that are a result of such unauthorized disclosures must be promptly removed from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 




I kindly request that you conduct a thorough investigation into the origin of the information in question and provide documentation proving that proper written consent was obtained as required by law. If you are unable to provide such documentation, I request the immediate removal of the disputed entries from my credit report. 

Furthermore, I demand that you cease and desist from further unauthorized inquiries into my consumer information without my explicit written consent, as required by 15 USC 1681. 

Please provide me with a written response detailing the actions taken to rectify this matter within 30 days of receiving this dispute letter, as mandated by the FCRA. Failure to comply with these requests may result in legal action being pursued to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

After a thorough review, it has been determined that certain late payment markings on my accounts were inaccurately reported due to an internal error by the bank. I am pleased to convey that the companies have acknowledged this error and have taken corrective measures to address it. Consequently, they have agreed to remove the late payment markings and update the status of this account to " Open/Never Late or Paid/Closed Never late. '' The details of the account are as follows : CAPITAL ONE XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXXXXXX  Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$840.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} XXXX XXXX  XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$50.00} 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: Debt collection

Company called XX/XX/XXXX and I asked for everything to be written communication and no calls. XX/XX/XXXX I received a call from a rep named XXXX regarding the account. When I told her I asked them to not call she said they wouldnt stop.
Product: Student loan

I received a Federal Student Loan from XXXX, upon graduation XXXX XXXX was the servicer on the Loan. As of XX/XX/XXXX my loan was transferred to Nelnet. My payments with XXXX XXXX were {$770.00} at a 6.9 % interest rate. Upon transfer my loan payments are {$800.00} with a 7.125 % interest rate. I was trying to seek information regarding the interest rate increase, in addition to payment and account history since XXXX. Nelnet told me to contact XXXX XXXX, XXXX XXXX told me to contact Nelnet. In the meantime, neither company has account history for the last eleven years, nor can they provide me with answers regarding the interest rate increase. I would like access to all of my loan documents, signed agreements, payment history, etc in addition to an answer as to why the interest rate increased.
Product: Checking or savings account

Today, XX/XX/2021, I received a statement via snail mail for a TD Convenience Checking account for the period XX/XX/2021 - XX/XX/2021. I did not open the account. I immediately called TD Bank XXXX to inform them of the fraud. I spoke with '' XXXX '' who said that he would speak with the fraud department and let them know. I asked him to email me a statement that I had reported the fraud, as proof that they are aware of the fraud and that I have reported it. He refused. I insisted that I need some proof that TD is aware that it is fraudulent, in case somebody tried to take out a loan or credit card in my name. He refused, then hung up on me.
Product: Student loan

I called Navient on XX/XX/24 asking for a copy of each signed loan agreement and they told me I needed to submit it in writing, so I did through the portal. I received a letter back saying they would mail it to me and to allow XXXX days to process. Ive never received my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : 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. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

Please remove it from my credit report. 

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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I am writing to bring to your attention an old late payment issue that occurred on my account, and I would like to clarify that it was not intentional on my part. 

The payment in question was scheduled as an automatic payment, and I rely on this method to ensure timely payments. Unfortunately, there appears to have been a glitch or issue with the automatic payment system, leading to the late payment. 

I appreciate your understanding and prompt attention to this matter.
Product: Checking or savings account

I have called Marcus twice on XX/XX/23 between XXXX XXXX XXXX, the second representative XXXX XXXXXXXX XXXX told me that my social security number was wrong and was likely the reason for locking of my account, she forwarded me to her manager who told me that she does not have the reason and Marcus reserves the right to close or lock an account anytime. She told me that account was locked on XX/XX/23 ( no email or phone notifications ) and I will get my account reverted back to my XXXX  XXXX XXXX.. She told me that it will take 5-7 business days. She told me that I can never open an account with Marcus again and there was no paperwork I can provide to clarify whatever confusion led to closure or f my account. These are my life savings and I am concerned that I wont ever get them back, my second concern is whether it was because of my name that this account was flagged and blocked and my third concern is why was I not notified, if I wasnt looking I would not have found out about it. As a small customer I hope you can stand up for me and look into this bias where clearly the bank customers dont have any rights. Please HELP