23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been a member of Navy Federal Credit Union for over 39 years. I had a home XXXX loan. In XXXX or XXXX if XXXX I put down a large amount of money paying off half of tge loan. My balance was reduced to XXXX. I noticed then that by doing that my account statement said the next payment was due in XX/XX/XXXX and the payment was XXXX. I called Navy Federal to confirm that this was accurate and they stated yes it was. What they failed to mention WAS that my account would continue to accrue interest DAILY. I was informed on XX/XX/XXXX that I owe approximately XXXX $ in interest. I am really outraged. I gave a good credit score, XXXX and I keep up to date on all of my bills. This is very sneaky and NON TRANSPARENT. I do not want to pay an extra XXXX. I do NOT FEEL THAT THIS IS MY FAULT BECAUSE I ASKED ABOUT THE PAYMENTS. I LITERALLY INQUIRED ABOUT THE DATE OF XX/XX/XXXX AND I WAS TOLD THAT WOULD BE THE NEXT MONTH I WOULD BE REQUIRED TO MAKE A PAYMENT. IF I HAD KNOWN THAT IT WOULD ACCRUE INTEREST DAILY I WOULD HAVE MADE STRATEGIC PAYMENTS. THE INFORMATION AFFORDED TO ME BY NAVY FEDERAL WAS NOT TRANSPARENT. I WOULD LIKE TO COME TO AN AGREEMENT FOR A SOLUTION. I AM OUTRAGED AND I WANT TO HAVE THIS INVESTIGATED. I DO NOT THINK IT IS FAIR THAT I HAVE TO FURNISH AN EXTRA XXXX $ ESPECIALLY SINCE I HAVE MONETARY OBLIGATIONS THAT I NEED TO FULFILL. The amount on my statement of account dealing my loan has consistently remained. XXXX $ owed.
Product: Credit reporting or other personal consumer reports

Ive sent many letters to TransUnion of dispute indicating of all the errors and unlawful practices of their company not complying with the FCRA Law that violated all my right continuously time after time. Ignoring all my disputes even when the evidence was presented. Ive collected all my documents and paperwork incase its they are needed in court to show how they neglected and failed to obey the Law. This TransUnion claims their database is correct and accurate but Ive shown how this company is so unreliable and inaccurate. Refuse to listen to consumers rights. I believe this company should be penalized and hold accountable for their negligence.
Product: Debt collection

I received a letter from Portnoff on XX/XX/2023 stating Im being sued from unpaided debt that Im just hearing about And being notified. I applied to XXXX in XXXX and was approved XXXX XXXX the amount XXXX to pay towards sewer/ water utilities. Theyre stating they have not received, I spoke to an agent at XXXX and they said it was submitted to them on XX/XX/XXXX for {$5100.00}. 

Also, I have been paying my water bill in the account number XXXX on XX/XX/XXXX for {$400.00} and XX/XX/XXXX for {$200.00} and just finding out that this was going toward my Portnoff and theyre claiming they have not received. So where is my money at? I called the water company they state Portnoff has it. I called Portnoff they claim they never received. 

BELOW IS The addresss for the complaints to be going to *****First company is Portnoff law associates XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXthe second company ADDRESS is city of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )
Product: Credit reporting or other personal consumer reports

Midland credit management XXXX XXXX XXXX Want both accounts removed from credit bureau ask for validation of both debts nothing was received and neither account was removed. 

XXXX XXXX on credit bureau with 2 different accounts Ive disputed both accounts requested validation of the debt never received XXXX still havent removed debt from credit bureau. 
XXXX
Product: Credit reporting

IN RESPONSE TO EQUIFAX THEY STATED TO CONTACT THE ORIGINAL CREDITOR FOR THIS INFO THE LAW STATES THAT THE REPORTING AGENCY HAS TO HAVE THIS INFO ON FILE WHEN A CONSUMER ASKED FOR IT IN THIS CASE EQUIFAX IS IN VIOLATION OF THE FCRA. I HAVE ATTACHED A COPY OF THE FEDERAL LAW 609 ACT IN THIS DISPUTE FOR EQUIFAX TO PLEASE READ AND PROVIDE BY THE FEDERAL LAW
Product: Student loan

On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from Manhattan Beach Venture LLC stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for equitable acceptance whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company. I have attempted to contact this company directly and have been unsuccessful with numerous attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used SELF to build my credit and before it was due or posted on my credit report I had to cancel due to hardship of the Covid-19 virus and was told it wouldn't effect my score and within a matter of days the it did and my score went down. I am so upset by this and can not reach them anymore or they just don't respond.
Product: Debt collection

Synchrony bank has called me 7 times in one day, for more than one day. I am less than a month behind on ONE payment. This is harassment and is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Info I pulled my Credit Report and noticed inaccurate information reporting by credit agency 's. They are in violation of in reporting inaccurate personal info, inquiries, charge offs, and collections.

15 USC 1681 ( a ) ( 4 ) 15 USC 1681i 15 USC 1681s-2 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 15 USC 1681i ( 7 ) 15 U.S.C. 1692g I am requesting as the CONSUMER a description of the procedure used to determine the accuracy and completeness as stated in 15 USC ( 6 ) ( B ) ( iii ). 

FTC # XXXX
Product: Mortgage

After filing a complaint with the CFPB, my foreclosure date was postpone and XXXX XXXX Executive Mortgage Specialist Representing Wells Fargo. XXXX XXXX used stall tactics with the paperwork submitted for a short-sale by reassigning the paperwork submitted by XXXX and XXXX XXXX 4 times within a month which by a realtor is very unusual. I received a phone call from XXXX XXXX saying a decision has been made and they ( Wells Fargo was turning down my request for a short-sale due to deadline date was not met and a home loan modification because insufficient funds. Now I know there was no deadline date for the short-sale paperwork to be turn in. I was never notified of this date. This is not fair to me the consumer nor to me as a veteran. I am participating with all that is given o me and to be turned down just because the executives of Wells Fargo wants me gone is unfair. Please do something. I have contacted the legal Bureau as instructed by one of your representatives and I am awaiting on their call either today or tomorrow. I am re-submitting all paperwork sent to them, back to them by fax starting XXXX XXXX, 2016. I still need your assistance to stop another foreclosure date for being place on my property again. I also need Wells Fargo to accept the short sale package given and review the paperwork/ Please help me.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of the debt and your ability to collect this money from me. I ask that you indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : *Agreement that you have authority to collect alleged Debt *Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
*Complete payment history on this account, to prove the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was told to contact this company to request a proof. I have contacted them & they have provided no information. FDCPA 809b requires this to be deleted until validate. I have requested validation and they have not produced it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from Transion. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Product: Credit card

Today XX/XX/2023, I spoke with XXXX agent Id XXXX that verified there was still a balance and the last payment was in XXXX of XXXX He also verified it showed in the notes my money was received on XX/XX/2023. This verifies they received the attached affidavit letter that came with the money order explaining if it was refused for any reason to send back the XXXX negotiable instrument with as to reason why it was refused. Capital One did not do that, instead they closed down my account without a reason why. This is XXXX and they have committed the act of extortion which is a XXXX offense. By accepting a money order and not sending it back or applying the credit to the account is embezzlement and fraud. The letter clearly stated if it was refused for any reason to send back the original instrument. XXXX months is dishonorable and way past a reasonable and acceptable time frame. The balance should have been completely XXXX pursuant to XXXX XXXX XXXX also supported by XXXX XXXXXXXX XXXX I was transferred to supervisor XXXX of the fraud and dispute dep. She could not answer my questions nor explain the violations being committed or why Capital One violated their arbitration agreement by not refusing to pay their arbitration filing fees. She stated she could not provide me the XXXX contact information as this needs some MAJOR attention for the Lies, XXXX, XXXX XXXX XXXX these XXXX are committing. She stated someone would reach me back in XXXX business days. I dont need a computer generated response, I need a higher up.
Product: Credit reporting or other personal consumer reports

When disputed items on my credit report that I know is incorrect it always came back VERIFIED I have done this multiple times and this is including my personal information, well as reports. This is in violations
Product: Payday loan, title loan, or personal loan

I would like to share with your organization a post that I made on my social media accounts. It seems not everyone of a small business is getting the help that they need. For example, I was told by my bank JP Morgan Chase that I qualify for the XXXX XXXX program, but because I did not have a XXXX XXXX XXXX bank account, I am unable to obtain the funds. I know many XXXX XXXX XXXX who pay themselves via 1099 from their corporate business account. I do not understand why having a separate business account as a sole proprietor is relative to the COVOID19 Disaster Relief program under the CARES, Act. It appears to me that this is a way to single out small business owners such as myself and exclude me and others from receiving the assistance the government intended to be accessible. I feel it is unfair, unjust, and discriminative against all small businesses affected by the this. Please advise the reasoning for this. 

Social Media Post Below : If you are a small business owner and you bank with JPMorganChase, they are refusing to qualify you for the XXXX XXXX program as a 1099 XXXX XXXX issued from your Corporation business bank account funds. You must have a " XXXX XXXX XXXX bank account '', in which the XXXX XXXX XXXX bank account had to have been established prior to XX/XX/2020. Since when is it REQUIRED to have a business bank account under your social security number? This is clearly a process of elimination. As a certified XXXX XXXX XXXX, a certified XXXX XXXX XXXX XXXX  and a certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am disgusted with the " GIANT '' bank JPMorganChase taking the Disaster Relief program under the CARES, Act as an opportunity to discriminate against some small business owners and independent contractors such as myself. XXXX XXXXXXXX   XXXX Many independent contractors of small businesses and small corporations will be left out, while the mid-sized and large businesses get the Disaster Relief that they need. It is called the XXXX, XXXX, but is it truly caring? XXXX please ensure your partnering lenders are not taking advantage of COVOID19 under the CARES, Act to meet their own agenda. JPMorganChase vs potentialclassactionlawsuit Please note : I have asked from an exception to be made already. I spoke to XXXX XXXX XXXX, Vice President, Business Banking Area Manager of Chase located at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, GA XXXX T : XXXX ; XXXX ; XXXX ; Email : XXXX. He declined my exception request and simply stated it was nothing that he could do to further assist me with the XXXX loan program. He took it upon himself to say " business owners issue themselves 1099 's to avoid paying XXXX and social security taxes ''. Which is untrue by the way, at least in my case. Some of simply can't afford to just yet. I feel this a from of discrimination and I am highly offended.
Product: Credit reporting, credit repair services, or other personal consumer reports

My confidential credit information including my SSN has been leaked in the recent EQUIFAX Breach.
EQUIFAX has but myself and millions of other Americans at high risk of Identity Theft due to their Criminal Negligence.
Additionally, EQUIFAX failed to report the breach in a timely manner. EQUIFAX Executives knew about the breach from XX/XX/XXXXthrough XXXX 2017. However, I was never notified of the breach by EQUIFAX. I found out via generic press release on the news, which is frankly disrespectful. The fact that EQUIFAX admits that they will not notify breached individuals is appalling business conduct.
Additionally, the fact that EQUIFAX executives sold over {$2.00} Million USD in stock days after the breach, heavily indicates criminal insider trading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting

To whom it may concern i am having the worst experience ever, of all my years of having knowledge of A Credit Report agency and disputing i have never been so insulting like this in my life .i would expect this from a big major credit reporting agency but this UNKNOWN NON NAME BRAND company has push me to the max with insulting my intelligence .I so requested a consumer report i received it found things that were wrong i disputed them with a disputed letter then i was received my completed disputed with a letter attach to basically violating my rights. if you read the attached Document you would then understand my concern, them Admitting that the accounts or not verified legally
Product: Mortgage

Ref : Mortgage Loan # -ending in XXXX Wells Fargo stated I canceled my online mortgage payments online on XXXX XXXX. Aside from the fact, that this did not happen, I was completely blindsided by this revelation. 

I never received any notification that such action had occurred on XX/XX/21, nor would I have taken such action. In fact, the first XXXX hearing of this is in a complaint my wife filed with the CFPB. 

I only access the mortgage account when instructed by my wife. The last time I accessed that account was XXXX XXXX when she instructed me to pay the mortgage via a transfer until the matter regarding the deleted auto-payment has been resolved. 

I have a business account with Wells Fargo and monitor my checking account daily. It would appear that because XXXX XXXX told the bank she did not access her account on the date in question and has the browsing history to prove it, a crazy, very unprofessional and asinine decision was made to place the blame on me. 

I did not delete the auto-payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  account XXXX number XXXX account US DEPT ED number XXXX and account USDOEXXXX number XXXX has violated my rights. 

Law 15 U.S.C. 1681 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: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

X/XX/17 at XXXX GC : is one of many repeated wrong number calls being made to my phone number to contact a person who does not live at my home. Performant 's procedure to speak with a live person during the call to update their database does not work, so the annoying calls continue.
Product: Money transfer, virtual currency, or money service

Ive used PayPal since XX/XX/XXXX. I received an email from PayPal on XX/XX/XXXX saying my account has been permanently limited and funds are frozen for 180 days. They accused me of gambling, fantasy sports playing, lottery contest and a few other things. But all of my transactions have been with personal friends who have either loaned me money or Ive loaned them monies using PayPal. I also pay many bills and use my PayPal account often in my daily life so this is very disruptive. Ive received a lot of financial help from friends using PayPal, especially since COVID-19. Im not aware of any policy that forbids friends from helping each other out. I dont use PayPal for any of the activities theyve accused me of. When I spoke to the customer service representative on the phone today XX/XX/XXXX he said and I quote you know what youve done I immediately asked for his supervisor which he responded by saying hes the highest level at the company Im able to speak with. Then when I asked for a email address so I can write directly to management he declined and would not give me one. saying theres no email option for this situation and hung up the phone
Product: Debt collection

I have never had a contract or agreement with Portfolio Recovery Associates. The company has not provided verifiable proof supporting validity of the debt they are attempting to collect on. Although Portfolio Recovery has failed to provide a copy of the complete account history, the original agreement, or any other adequate documentation confirming validation, their repeated attempts to collect on the alleged debt continue. Their collection appears on my credit reports along with credit inquiries dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - none of which were consented to or authorized by me. These appear to be violations under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit ReportingAct this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It try is against the law to report late payments on open end consumer credit which includes credit cards.