23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from XXXX XXXX XXXXXXXX for XXXX demanding payment in the amount of {$7300.00}. I immediate sent a dispute letter advising I had no knowledge of the account and requested verification and validation, however XXXX did not provide this information but instead sent me a letter demanding I call within 10 days to make payment along with an unfilled plaintiffs summons and order to go to small claims court I believe. The letter is signed by XXXX XXXX XXXX Department after searching the California Bar I find no active license for XXXX XXXX. I believe this agency is using intimidation tactics to demand payment for debts not owed as a form of fraud.
Product: Vehicle loan or lease

I requested A deferment due to I am going through a hardship and requested a deferment in XX/XX/year>. Upon speaking to the lending company for my vehicle last week. I found that the lending company is changing the terms of my contract. I am being told that every payment I make is a month behind and I will have to make a double payment to be caught up when the month that was deferred for XXXX payment was added to the end of my loan contract
Product: Debt collection

I am writing to state that I am refusing to pay for this alleged debt in pursuant to 15usc1692e ( 2 ) ( A ) Great Lakes has been making a false representation of the amount of the account balance owed and legal status owed which is a violation of congress ' request.. I am refusing to pay a debt that I have already credited to the U.S. Department of education in a form of a finance charge. The US department of education has sold the debt to great lakes which means Great Lakes is now responsible for paying for this alleged debt. Great Lakes is a debt collection agency that is being deceptive making me look like I owe this alleged debt when in fact that is incorrect. 15usc1692a ( 6 ) Great lakes is asserting that I owe a debt balance which makes them a debt collector. Great Lakes can not communicate with me unless this debt is terminated.
Product: Credit card

Citibank is fraudulently charging people interest. I 'm sure it 's not happening only to me. 

This fall, their online payment portal changed. I noticed this change on XXXX XXXX, 2016. Now when I log in to pay on the first of the month, the website says the minimum payment has already been satisfied, and I am invited to pay the remaining statement balance. 

Under this payment option is the following statement : " This is the remaining amount owed to satisfy your last statement balance. '' On XXXX XXXX I chose this option, but when my next statement came out I saw that my minimum payment did not go through, and I was charged interest. I contacted Citi via live chat on XXXX/XXXX/16 and told the agent all of this. He said it must have been a website glitch and assured me he would reimburse me the interest paid. He did not do so. 

On XXXX XXXX, I logged in again the payment options were the same. The payment page again stated that my minimum had been satisfied, and I was invited to pay the remaining statement balance. Once again, I did so. But this time I took screen shots to prove what happened. 

Once again, when my new statement was issued, I saw that the minimum payment had not been deducted, only the " remaining statement balance '' amount. And once again I was charged interest. 

This time, I contacted Citi via email and told them the whole story, including the fact that I captured screen shots of the payment process proving what I say. I referenced the live chat I had with their agent last month. All I received was a canned response not acknowledging anything I said and not offering any resolution. At least this time they did n't try to lie to me about a glitch. 

How many millions of people are they ripping off this way?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account 2 times since XXXX and they keep telling me that it is verified but not showing me what they have on file to verify this when I can't even get the creditor to verify this account
Product: Credit reporting or other personal consumer reports

AFTER UPDATING MY REPORT I NOTICED A NUMBER OF CLOSED AND CHARGE OFF ACCOUNTS ON MY PROFILE THAT ARE NOT ASSOCIATED WITH ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for nearly 2 years to get Transunion to update my bankruptcy records accurately in my credit file. To date my information is still incorrect. Here is proof from a creditor that I no longer have a debt with them. Please help me in demanding the credit bureau to update this information. My only open derogatory/negative account currently is for XXXX XXXX. XXXX XXXX is a very old creditor which the bureau refuses to update as discharged or delete entirely from my file. This is unlawful and I have began the litigation process.
Product: Debt collection

Midland Funding who is collecting for XXXX XXXX XXXX  was paid back in the middle of XX/XX/XXXX. I got a loan and the bank sent them a check to pay it off. After WEEKS, I asked the bank to stop payment on the first check and send another, WHICH THEY DID IN XX/XX/XXXX. This company goes and finally attempt to cash the FIRST check even though I told them it had a stop pay on it! They still do not acknowledge the SECOND check, and I call these people twice per week! I do what they ask, and it does no Good! WHAT is this companies problem?? 
It has been paid TWICE now and still on my credit report! I have to repeat myself every time I call the company! They do not read, listen, or document accounts! 
The cancelled my settlement due to THEM NOT RECEIVING THE BANK CHECK on time EVEN THOUGH THE BANK SENT IT ON THE DATE WE TOLD THEM! 
THIS COMPANY IS UNPROFESSIONAL AND ABSOLUTELY NUTS!
Product: Credit card

I have a Navy Federal Credit Union visa card. I did a balance transfer to the card years ago. On XX/XX/2024, I called Navy Federal Credit Union 's credit card department. I asked why were there two different amounts for interest payment. The representative explained that the first interest amount is for the present balance and the second amount is for the transfer balance. I asked could I pay on the transfer balance so I can get rid of the debt. I was told I had to pay off the present balance {$6900.00} before I could pay off the transfer balance {$1800.00} and the only thing I can do is not use the card. In the meantime the transfer balance is accruing interest separately from the present balance until I get it down to the {$1800.00}. This is awful and can keep people in debt. The average consumer doesn't know that the transfer amount is attached to the back end of a balance with a separate interest amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

MACU has recently breached their own written agreement to remove all late payments of XXXX. The reporting of the late payments of XXXX  have now been reported back on to all credit reporting agencies this month of XXXX after reviewing my credit report. This breach is a violation and therefore I am requesting the removal of all credit reporting with all the credit reporting agencies in order that this occurrence doesnt happen again in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

The same responds every time I file a complaint with your company the credit bureaus have ample time to make corrections to my credit report it has been years not days I will hand this over to an attorney since I still have not gotten a resolution to the issues raised with your company and the three credit bureaus I will be filing a law suit against your company and all three credit bureaus on this matter I have been unfairly treated and denied my right to fair credit far to long. I am not a profit margin for companies nor the credit bureaus I am a human asking for fair credit reporting and my rights for fairly respected and honored
Product: Credit reporting or other personal consumer reports

Capital One place and hard inquiry on my credit report that Im not aware of and I would like it to be removed immediately XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a business account with a local bank, mind you, I have several business checking accounts started in the past 3 years. I was told to contact ChexSystems. I called and requested a copy of my report. I received it and disputed the charge of {$96.00} from XXXXXXXX XXXX XXXX  from XX/XX/2014, which I'd have paid if I owed it. They sent me back a letter stating they " verified '' the information and it would stay on my report and that I should contact the bank. Contacted the bank again who told me to contact ChexSystems because I owe NOTHING in their system. Spoke with ChexSystems and they told me I had to file another dispute because they put the wrong phone number for XXXX XXXX XXXX  on their " investigation report ''. This is horrific because there is no accountability with ChexSystems. Who did they " verify '' this information with because XXXX XXXXXXXX XXXX is telling me I owe nothing?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies. 
- XXXX XXXX - Ally Financial - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX.Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute DEPT OF EDUCATIONXXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations filed
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to report my payment history inaccurately after several attempts to get them to correct it. I have sent several disputes and complained over the phone several times. 
The accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following accounts are reporting erroneously on my credit, I have already contacted the bureaus and started formal complaints but so far I these items have not come off my credit. The accounts are as follows : XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX  XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX and XXXX  XXXX XXXX. Please remove ASAP.
Product: Debt collection

In XXXX of 2016, I canceled my account with XXXX. In XX/XX/XXXX, I was sent a final bill which did not reflect the cell phones which I had returned. I called XXXX customer service and was told they would check with their warranty warehouse to see if the phone was returned. In XX/XX/XXXX, I was contacted by a collection company for XXXX. I told this collection company that I never received a notice from XXXX stating their intent on sending my account into collection and that I was still disputing the final bill. The collection agent made me believe he was working for XXXX billing and paying the bill would mean the account would not show on my credit report so I paid with him. A few weeks later, I received an email from XXXX saying they did receive the phone but could not make any changes to my account since it was sent to collections. I believe XXXX should have sent me a letter stating their intent on sending my account into collections which they did not do. I also believe XXXX should not have sent it to collections while they had an open inquiry for missing equipment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

This company is NOT licensed on bonded to collect from the state that I live in, which is the state of Georgia. pursuant 18USC8 I do not own any debt. This company is violating my consumer rights to privacy. Please help resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my report are not authorized and unrecognized.
Product: Mortgage

I have a mortgage with Mr. Cooper. In XXXX they did not make my hazard insurance payment. After being contacted by me and insurance company multiple times they sent a check but I was informed by my insurance company that it was returned by the bank due to a stop order being placed on the check. I've emailed and called ( I wasn't able to reach in agent it keeps disconnecting ) and this servicer is terrible. I had more than enough in my escrow account and I need to know what happened to my money in order to pay the insurance company. They're giving me XXXX weeks to get them payment and this servicer doesn't respond at all.
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX XXXX to purchase a vehicles, which I was advised they would need a auto financing approval to purchase the vehicles which in XX/XX/. I obtained a approval from Navy Federal FCU. 
XXXX XXXX and I, who was there individual I was working with advised he needed the checks to purchase the vehicles. He cashed the checks fraudulently, and I never received any vehicles. Each month I would get excuses that its being worked on until they stopped answering the phones and change the office location. I haven't heard anything at all from the dealer ever again.
Product: Checking or savings account

My Wells Fargo checking account ending in XXXX has been wrongly charged monthly service fees. 
I opened this account XXXX It was known as a first responders account. A no monthly service fee for all first responders. 
As of XXXX  they have charged me {$15.00} every month. I've called several times to rectify the situation to no avail. 
To date they reversed 3 monthly charges. 
This is a clear indication Wells Fargo admits and realizes they charged fees which are contrary to the first responders checking account. 

Thank you in advance for your attention concerning this matter.
Product: Student loan

The complete accounting requested in my CFPB complaint # XXXX THAT did not include any interest THEREFORE WAS INACCURATE AT THE TIME IT WAS DISCLOSED TO ME ON XX/XX/XXXX, ALLEGEDLY. I am requesting a COMPLETE ACCOUNTING OF ALL OF THE LOANS INCLUDING INTEREST ACCRUALS. 

I HAVE BEEN REQUESTING THIS INFORMATION FOR ALMOST 9 MONTHS NOW. I WAS RECENTLY INFORMED THAT THE INFORMATION MAILED TO ME DID NOT INCLUDE ANY OF THE INTEREST FROM XXXX TO XXXX. THEREFORE THE DOCUMENTATION AND ACCOUNTING SENT IN THE XXXX REQUEST WAS NEVER FULFILLED OR AIDVANTAGE IS COMMITTING FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Tried to wire {$150000.00} from XXXX XXXX account to BofA checking account. BofA rejected the wire because I used my maiden name. They returned the {$140000.00} to XXXX charging a {$45.00} fee. The wire team at BofA confirmed the fee but said they couldn't return it to me, I would have to speak to the general customer service team to get this money back. When I spoke with the customer service team, they said they didn't charge this fee and said that BofA doesn't charge this type of fee. But, I was told the exact opposite from the wire specialist with whom I spoke and there are other blog posts of BofA charging others for the same thing. This is an erroneous fee that I'd like returned to me. All of the calls with BofA are recorded and I'd like someone to look into them
Product: Debt collection

i have reached out to debt collector, and no response. I have sent letters to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Good Standing credit card account ending in XXXX has yet to reflect as reinserted with the Equifax Credit Reporting Agency ( CRA ). The Equifax company is intentionally leaving out a good standing account. In a previous response from XXXX XXXX, dated XX/XX/2021 they stated a request was submitted to the Equifax CRA to reinsert this account on XX/XX/2021. I have enclosed a copy of XXXX XXXX 's previous response. The request to Equifax asked them to reinsert the tradeline for account account ending in XXXX. The confirmation number for this request is XXXX. This tradeline continues to be missing from my Equifax credit report.