23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Navy federal credit Union XX/XX/XXXX XXXX XXXX {$310.00} a fraudulent charge toward my card. It seems like I keep getting new cards and they keep, no matter what, finding ways to have people fraudulently attack me and my bank account. I shouldn't have to order a new card every month, they don't let me call them or go to there bank branches so I have to pay more fees in ATM and or miscellaneous fees because I simply am not allowed to get any customer service from them. Supposedly in XXXX of XXXX sometime I had a phone call with them and am not allowed to talk to them. I want to know why because they keep harassing and discriminating me so much so I take to social media to vent. I want to know why they just say OOPS literally and make fun of me saying oops like it's not there fault or in my case it most definitely is, but why have I been so mistreated by them and now they are charging me junk fees and getting credit card money that I had to put on my card to start it anyway and they changed the policies and now want to charge me double harassing and calling me everyday saying I am late for a credit card payment. I have never had so many issues with a bank. Please look for footage of a time I went to jail for trespassing in there branch supposedly but the charges were dropped so I can't sue them. I still did weeks in jail for it. Someone owes me time/money. 
Help me in everyway please, I need to get to my business and that's all they interfere with and it's the most annoying thing that n the world ask the president of the United States how annoying I am please. Oh tell em sorry dude, not my fault. Does this deserve Credit?
Product: Debt collection

This debt specifically ( and others ) have been racked up by my mother used without my consent. I have paid off prior debts to prior debt collection agencies to remove the damage she caused ( almost XXXX $ ) just to find out that I have an old debt from 6 years ago that I knew nothing about till recently in my name for almost XXXX XXXX I have been living with my fiance for the last 8 years or so. I would like to have this resolved as soon as possible because i am now being garnished 25 % of my check that I should not be garnished for. I have contacted the debt collection agency responsible for the garnishment and told them that they have they purchased my account illegally ( not of my acknowledgement or willingness because I did not know that it existed ) and told them that the account was fraudulent as well because I did not open it. They said it didn't matter. They had it in their possession for years and it needed to be taken care of. They did not send me a letter stating that I was going to be taken to court. Nor the garnishment. but I received a letter of AFTER the court date was settled and I was told I neglected to show up to a court date I did not know I had. I would like this resolved and the garnishment not be taken from me but from my mother who is responsible for the fraudulent account to be opened in my name. if you can get back with me as soon as possible that would be greatly appreciated. Thank you
Product: Debt collection

It's been more than a year that I'm trying to find a way to negociate the debt I have with Visa TD Bank, if I call Visa, they tells me that they can not talk to me, the debt was SOLD to XXXX XXXX XXXX. I called XXXX XXXX XXXX and I spoke many times with XXXX XXXX, Vice President of Collection, the debt was {$18000.00}. ON XX/XX/XXXX, I received a letter from Mr. XXXX stipulating that they cut the debt to {$9000.00} to close my file. Obviously I called Mr. XXXX, and explained that I can not pay this amount in one lumps. He called me back that same week and told me, that he spoke with his contact at VisaTD bank - Mr. XXXX told me all the time that Visa TD Bank never SOLD the debt. He called me back to tell me the lumpsum can be {$7200.00} or {$1500.00} per month for 6 months. I thanked him, but {$1500.00} per month it is too much. I can pay a lower amount but in the meantime I asked if that will stop reporting CHARGE OFF on my Credit File every month, he told me that it will stop once I'm done paying the debt. He told me that he will call back his contact to see if they can do more or reduce the monthly payment. Between XX/XX/XXXX as of now in XX/XX/XXXX, I never heard from Mr. XXXX again. As I am penalize every month by TD VISA Bank that claim they SOLD the debt, but report me at all credit bureaus as Charge OFF, I called VISA on XX/XX/XXXX.  Again same answer, nobody can help me because my debt was sold to XXXX XXXX XXXX. The same day I called XXXX XXXX XXXX and samething Mr. XXXX will not take my calls since back in XX/XX/XXXX. Never returned any messages since XX/XX/XXXX. - I was in a total incapacity to be helped or to resolve this situation. Today XX/XX/XXXX, Mr. XXXX took the call and told me that TD VISA Bank gave him back my file, and confirmed that's why he took the call. He told me, when I asked why he did not answered or returned my calls since XX/XX/XXXX, he said that he did not feel that I will be able to pay. - Nice and encouraging. -- Unfortunately we are turning around, as his numbers {$7200.00} lumpsum or {$1500.00} per month for 6 months, we can not have an agreement. I told him again that I can not commit myself with a high amount of {$1500.00} per month and maybe have other problems. So, the conversation stopped there. Unfortunately.
Product: Checking or savings account

I went to pay my personal bill for my business account {$400.00} and they did not tell me the business account was closed so they have put a block on my personal account and it has been numerous days and I can not access any of of my money and they refuse to close my account to give me my money back and no one is updating on me why they lift the block I Verified my identity and went to the branches and explained the entire situation to them and they refused to release my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD A IDENTITY THEFT ON MY CREDIT REPORT IN 2020 AND I FILE A IDENTITY THEFT REPORT, I SEND EXPERIAN ALL INFORMATION ON MY IDENTITY THEFT REPORT THAT WAS FILE AND ASK THEM TO INVESTIGATE ALL INQUIRIES ON MY ACCOUNT AND THEY HAD SOMEONE CALL ME FROM THERE FRAUD DEPARTMENT TO SAY ITS NOT FRAUD RELATED. SOMEONE FROM FLORIDA STOLE MY INFORMATION AND OPEN A CABLE ACCOUNT IN MY NAME WITHOUT MY PERMISSION AND THERE ARE INQUIRIES ON MY CREDIT FILE THAT I DID NOT RECOGNIZE. 
EXPERIAN REFUSE TO INVESTIGATE ALL INQUIRIES ON MY CREDIT FILE AND THEY ALSO REFUSE TO OFFER ME FREE CREDIT MONITORING SERVICE.
Product: Debt collection

Called my relatives. Mom and aunt. Threatened garnishment within 24 to 48 hours.
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries please be removed.
Product: Credit reporting or other personal consumer reports

Recently. I did an investigation on my credit report and found several items in there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regular Inquiries on my XXXX and XXXX credit report. 

I called both companies and they said i had to report through this website. 

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
Product: Debt collection

I received a call from F & M Capital in XX/XX/XXXX stating that they were attempting to collect debt from unpaid student loans from XXXX University. I let them know that was inaccurate because my student loans are in deferment through XXXX XXXX because they are under investigation by XXXX to be forgiven since I submitted proof that XXXX University was mishandling my student loan money. To this day they are still in deferment and I am in good standing with XXXX. They did not let me explain this in detail because their paralegal was screaming at me and telling me they didn't care what XXXX did or said that I still owed them money. I told them I was not going to pay anything to them when I know I am in good standing with XXXX who manages the loans. They stated they were going to sue me and take legal action against me. I hung up because they continue to harrass me and scream at me to the point where I could not speak. Today XX/XX/XXXX I received a call again and they stated they were looking for a XXXX XXXX and calling about a XXXX account and they were with F & M Capital. I told them I didn't know who F & M Capital was because it has been a few months since they called and at the moment I didn't recollect the name. He repeated my information, but did not mention what debt they were trying to collect. Not to mention this person did not mention his name and called me from an Unknown number. So I told him again sir I don't know who F & M Capital is and I need more information before I give any information or can help you. He said I can transfer you to our paralegal. I said no if you can't give me any information I don't need to be transferred to anyone from an unknown number. His response was WOW we have in our system that you were difficult last time we spoke to you and from this conversation I can see you difficult to work with and from there he began to scream at me and I had to pull my phone away from my ear. I told him sir you're an attorney and he continue to scream. So I had to speak over him with my phone away from my ear and tell him if you are an attorney as you claim you should know that no one is going to give someone from an unknown number any confidential personal information. He continued to scream over me, I repeated myself again and hung up. He immediately called me again and it was an unknown number again and rejected the call. I tried to go on their website XXXX XXXX XXXX and they do not have an email that I can send them a cease and desist letter to leave me alone. The XXXX account with my ex husband has been closed since our divorce as it was part of our divorce decree and XXXX  has told me that I am in good standing and my loans are being investigated and are deferred until a decision has been reached. I don't have proof because they are calling me from unknown numbers and don't have email address to be able to respond with trackable information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : LJ Ross Associates Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information?

What is your authorization of law for your collection of this alleged debt?

Please evidence your authorization to do business in my state.

Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. 
This notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found four accounts on my credit report I call the companies and they request document I sending all ready and I need your help to remove those accounts from my credit report they are fraudulent credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX  has reported my account by XXXX as 30 days late for XXXX of 2020. The payment was made in XXXX so my account is not late. Included with this report is proof that the XXXX payment was made.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b violation of the law by reporting late payments ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car through XXXX XXXX  in XXXX, Arkansas.  I have made all my payments on time, and paid off over $4,400, and only owed $XXXX  as my payoff amount.  The car kept having mechanical issues I literally could not ever afford to pay for, and their policy is that they do not have to consider mechanical issues.  I told them I could not afford the second payment in XXXX 2019 due to spending $XXXX on repairs, and still needing more.  XXXX from the XXXX office, informed me that if I was not going to be able to make the payment ($XXXX), they could repossess it. I told them it was broken down in Tennessee and if they wanted to go get it, go ahead because I can not afford to tow it back home.  They went and got the car, and sent me a letter stating that they were going to sell it afterXX/XX/2019, and that I WOULD NOT OWE ANYTHING after the sell of the vehicle.  A few months before this all happened, the finance company I worked for turned XXXX, the manager of XXXX, over to a collections agency for consulting our company did for them. XXXX  called and XXXX  me out saying they are going to take my car and suing me because I let them turn her over to collections. After she got mad, my entire account status changed, she even changed my payment dates and didnt tell me, which made a whole issue of late payments that took a week to resolve...and now they are reporting it as a repossession, with all these late payments that never happened, misreporting my entire account and saying I owe them money now.  I have the letter they sent to prove what they said, as well as proof that XXXX has a collection account with our company and a personal vendetta.  I have made the XXXX corporate office aware of the issues, even before I missed a payment. They always say they will take care of it and never did....resulting in this.
Product: Debt collection

Sent correspondence to company that the debt was paid and not owed they sent a letter stating that they would respond and haven't.
Product: Mortgage

In XX/XX/XXXX, initially requested my PMI to be removed because I'd paid down my mortgage to more than 78 % of the original loan at that point. Additionally, I had requested that I wanted to make XXXX payments every XXXX weeks vs. the XXXX payment. They assured me this could be done, but over 6 months, they kept sending me letters and calling me that I was defaulting on my loan, only to find out that my payment was going to a completely different account because they had failed to send me the correct Account # when my loan was taken over by them in XX/XX/XXXX. It took literally 6 months to get the payment allocations corrected. 

I kept emailing every month and calling asking for PMI dept. NewRez reps kept telling me they could not transfer me because PMI dept was an internal dept and I could only communicate w/ them via email or writing a letter and mailing it. 

I finally received a response from them on XX/XX/XXXX ... ONE YEAR AFTER my initial request!!! The letter was automated telling me that in order for the to simply consider removing PMI, I had to send them a payment of {$190.00}, to pay for an investor-approved property valuation!!! I now had to pay them for their mistake of continuing to charge me PMI ( which was $ XXXX monthly ). 

I called them today demanding that they remove PMI again and that I would not be paying for the valuation. The rep was kind and said he would again forward my request to the PMI department and I should hear back within XXXX hours. This has been promised to me every time I call and I never receive a call back, so not holding my breath! 

At this point, I'm gathering proof, so that I can take them to small claims court, but not before I blast this horrible experience all over the internet! 

There really needs to be a situation where the we as consumers can switch to other lenders simply due to their lack of customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I pulled the credit report there was an authorized hard inquiry that I haven't authorized anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. 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. I am doing this own my own behalf and have contacted my police and the FTC.