23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. see attached files
Product: Debt collection

I was contacted on XX/XX/XXXX from Frontline Asset Strategies regarding a debt XXXX XXXX said I owed. The debt had been paid on in either late XXXX or early XXXX. They said they would dispute the balance. Since they were calling my workline I asked them not call it again and use only my cell phone. 

They contacted me again today on work number and then attempted to collect the bill. I reiterated that the bill had been paid and why they were calling this number. The rep XXXX XXXX XXXX stated that she had no record of being told not to call my work phone and proceeded to try and collect the debt. I asked to with her manager ( XXXX XXXX who said they would put the note on their not call this number again and put the debt back in dispute. 

They still continue to contact me over a non-owed debt.
Product: Debt collection

In   XXXX   I applied for financial aid to attend  XXXX   XXXX  College. I applied for a student loan to cover the total cost of my expenses for the semester. A month and a half into the semester, I received an email stating that I had received too much money from the school. When I emailed  XXXX   XXXX ,  Direct Loan   Financial Aid Specialist, a bout it and asked for proof of why I owed the school, He could not provide me with anything. He wrote me an email, where he spelled my name wrong ( I do n't think it was intended even for me! ), and vaguely stated I owed the school money! Fast forward 4 years later, they have sold that debt to a debt collector nam ed Williams and Fudge to  the tune of {$3000.00}, which is negatively impacting my credit and also have held my grades so that now I 'm not able to continue my academics! When I disputed this account through the credit bureaus, they refused to delete it and sent me a faulty ledger, with dates out of place, and no signatures! I have done the math and It was not proper validation of debt that I owe then anything!
Product: Debt collection

Western Finace Shamrock located at XXXX XXXX XXXX XXXX XXXX XXXX They keep calling me and showing up unannounced to my house despite me giving them a limited liability letter from XXXX XXXX. They said they will keep collecting until I pay them. They are being stubborn and not wanting to work with XXXX XXXX to settle an agreement. I want them to stop harassing me.
Product: Debt collection

Last Wednesday XX/XX/2019 I started receiving calls on my cell phone (# XXXX) from a company  named Navient (they are apparently debt collector for student loans). I blocked the number immediately after the second call received Friday  XX/XX/XXXX. During this last call I told then that they have the wrong number (in fact I got this number only a few months ago) and to quit calling me. Obviously they did not. This morning XX/XX/2019, they called me for maybe the 10th time, at XXXX XXXX. After a few minutes (at XXXX XXXX) I called them back and told them to quit calling and harassing me, because:
1) It's not my debt
2) I never had student loans. By the way I am XXXX and moved to the US at the age of XXXX, took some classes in college for FREE because my ex wife was a teacher at that college, but I did not tell them this detail
I was pretty upset and told them TO NEVER EVER CALL ME AGAIN, or I would file a complaint with the FTC and the Police for harassment. The person on the phone assured me that my phone was removed from their list. Guess what? They called again at XXXX XXXX Now it's about XXXX XXXX (Central time) and I guess they are going to call again. I am also ready to file lawsuit in state court asking for XXXX for EACH call after the one I have received at XXXX XXXX today, as statutory damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... AD ASTRA REC ( Original Creditor : XXXX XXXX XXXX XXXXXXXX TN ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card

Dear CFPB I 'm extremely disappointed on how Discover conveys information to customers like myself. Neither the monthly statement nor Discover credit card website indicates ANYWHERE the expiring date of the promotional APR rate. I have contacted Discover live chat service last Saturday asking when the promotional rate would expire and where I could find this information. The answers were that promotional rate was already expired on XXXX XXXX and that this information would have been available ONLY in the initial welcome documents. This is unfair and unacceptable in my point of view. All other major credit card companies do explicitly indicate both in the monthly statements and in the website the expiring date informing as such properly the customers to avoid occurring interest charges. Actually the statement ending on XXXX XXXX was still indicating 0 % APR on the balance and there was NO WARNINGS whatsoever that it was the last period at 0 %. I 'm afraid to say that the lack of info seems done by Discover on purpose to have as much as possible customers carrying forward their balance outside the promotional period therefore ( consent me the strong statement ) with a deliberate dishonest attitude by Discover. I asked Discover management to reconsider the interest charged and bring them to XXXX since as a matter of fact no information was provided in the website and in the monthly statements with regard the expiring date of the promotional rate but at the moment there was no concrete action from Discover side except to thank me about the feedback and confirming they are striving to provide an excellent service to their customers. I confirmed to them my disappoint about their suspicious lack of information. 
Regards
Product: Debt collection

I lived in XXXX XXXX at the time of the debt. date of service on these accounts were from XXXX, XXXX, XXXX at the XXXX XXXX XXXX XXXX XXXX. I paid these accounts over a period of time with one of the XXXX  accountants. I made monthly payments until it was paid off. Now last week a financial institution posted those old depts on my credit report. I don't have my receipts as it was so long ago and i have moved 4 times since then. My credit score tanked because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mines nor am I accountable in any kind of way for this, this is un known to me and not my responsibility please remove it. 

1 ) XXXX XXXX XXXX
Product: Debt collection

There is a {$1000.00} hospital bill on my credit that has been on their 5 years for XXXX XXXX I received following a car accident I was in that was not my fault and was to be paid by the other parties insurance as part of my settlement. The collections company will not listen to me or help in any way and Ive been dealing with this for 5 years.
Product: Credit card or prepaid card

On XX/XX/2021 my email account was hacked in order to create and open a XXXX account. Once the thief created and verified a XXXX account through my email inbox, my Chase credit card was used to place an online order through XXXX The theft purchased a gaming laptop in the amount of {$2400.00} and requested to pick up the laptop at the XXXX, Illinois location later that night. The laptop was picked up at the XXXX location at XXXX on XX/XX/XXXX. I immediately reported it as fraudulent through Chase credit card and both my card as well as my wife 's credit card was frozen and new cards were issued. I have frozen my credit and placed credit monitoring through all three bureaus. Chase and XXXX investigated the events and found that because ID was required to pickup the laptop, I benefited from the transaction. No proof of ID or documentation was provided to support this finding. 

I filed a police report with XXXX XXXX Sheriff Department. 

Additionally, I went to the XXXX, Illinois XXXX XXXX store and talked with Customer Service on XXXX. The store associate said that another customer was in there a couple of days ago saying the exact same thing happened to them. XXXX fraud protection as well as going to the store yielded no results to get proof that any identification was used to pickup the package. 

In summary, I did not purchase or take receipt of the laptop and Chase has refused to refund the money as well as open any additional investigations into the matter. XXXX XXXX has been unresponsive in resolving this matter as well.
Product: Mortgage

Bank of America, Bankruptcy Dept. referred my mortgage to nationstar XXXX XXXX. BOA told me I was in good standing and they did not see where I had missed 8 months of payments. XXXX credit report shows all payments have posted on time. XXXX send a letter saying I was 8 months behind in my countrywide mortgage paid to Bank of America. 
My primary mortgage shows no history on my XXXX credit report and the XXXX credit report. I have spoke to XXXX on XXXX XXXX XXXX, and she stated a check from the trustee came in on XXXX XXXX and it was sent back to the trustee since my loan was sent to XXXX. 
I need for XXXX to get good data showing my mortgage payments. I have bank statements and all months were paid XXXX through XXXX XXXX when the loan transferred to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a delinquent account that has now shown up on both by Transunion report and XXXX  Report. I have no record of any account that I personally opened with XXXX XXXX that would be delinquent.

The amount that is now showing up as a negative Pay Status is for {$2400.00}.

I've filed disputes twice with both Transunion and XXXX  and they have left the derogatory comment on my reports stating the information has been investigated and is correct. I've never been contacted or again have EVER had an account with XXXX XXXX in the past 7 years.
Product: Debt collection

I was contacted via mail by XXXX XXXX XXXX/Mandarich Law Group attempting to sue me for a debt ( {$9600.00} ) that is past the collection statute of limitations for New York ( N.Y. Civ . Prac. L. & R. 214-i ). In the letter I was threatened with wage garnishment and a hit on my credit score. Since the debt is time-barred, the FDCPA prohibits a debt collector from threatening to file a lawsuit, or threatening to take action that would require them to win a lawsuit, such as wage garnishment or bank levy. XXXX XXXX XXXX Mandarich Law Group are acting in clear violation of the FDCPA. 

The stamp on the court summons has the date XXXX XXXX, XXXX ', I'm confused on why it is dated XXXX, when we are in the year XXXX. The credit card account that I'm being sued for was opened XX/XX/XXXX. According to N.Y. Civ. Prac. L. & R. 214-i, this is well past the statute of limitations to collect on said debt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX
Product: Debt collection

Debt is being reported for a XXXX XXXX account in my name that both the creditor and collection agency have not responded to requests to verify aside from providing an invoice which I do not have a connection with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX Calvary Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX  Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX  - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX 

XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX XXXX whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} a XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX GA,30067- {$7400.00} Both companies reporting same debt and conflicting amounts owed, also XXXX  reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX   XXXX  XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. 


All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for several practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

On XX/XX/XXXX, my wife and I met with XXXX XXXX a XXXX XXXX representative who has promised to have Solar and new roofing for a total cost of {$58000.00} with XXXX refund of {$940.00}, a FEDERAL Refund of {$15000.00}, a STATE Refund {$5000.00}. and NYC Refund {$11000.00} with a NET Cost of {$26000.00} at a rate of 3.99 % with a Term of 24 Years. 

XXXX XXXX proceeded with the qualification by pulling my XXXX Credit Score and the next thing was an email from Enerbank saying that I was eligible for a financing amount of up to {$120000.00}. That was the end of our meeting. No application or contract was signed that day. He only asked for my Social Security. 

Now EnerBankUSA quoted the interest@ 4.99 % with no payment term and if payment is not made in full by XX/XX/XXXX the amount will be increased I have told them clearly that there's no way that I will pay it in full. 

Please help. 

Thank you and after and our only cost will be
Product: Credit card or prepaid card

I have opted out of all advertisement from Wells Fargo and am now reviving credit card offers as well as soft pulls on my credit report from them. I have not accounts other then a mortgage with them. The opt-out from advertisement should cover all items and services. In addition they inquired about credit with out permission in their credit card services. When bring the issue to their attention I waited on hold for XXXX hours only to be hung up on! Opt out means do not contact unless is regarding current accounts. Not here is a credit card offer!
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. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

I was set up in a payment plan with Discover. These payments were schedule for one year in advance. At the end of the first year, we thought we were setting up the next year. Turns out there was a payment gap. When this was set up again, no one from discover informed us that there was a gap and past due amount at the time. Nothing reflected this in the conversation or online. We set up a new annual payment plan which has been coming out for the last 10 months. Same payment and same date every month. Discover failed to notify us of this and continued to report the payment 60 days late since XXXX of XXXX. I did not find this out from discover, but from the credit bureau. Discover refuses to show what correspondce they have sent to try to notify me of the error. They never reached out via phone or email with the payment being missed or with any statements. They are refusing to remove the late payments despite me immediately correcting the mistake once I found out. I tried to elevate multiple times and have been hung up on by the company despite my calm demeanor.
Product: Debt collection

I received notice from PORTFOLIO RECOVERY ASSOCIATE about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PORTFOLIO RECOVERY on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XX/XX/XXXX XXXX I sent PORTFOLIO RECOVERY another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind that I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to PORTFOLIO RECOVERY on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card

Examine the attached documents. I insist that the bureau begin an investigation into these accounts, as I am never late, but they are inaccurately reporting me as such.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Case XXXX CC : The Consumer Affairs ; Federal Trade Commission ; Consumer Financial Protection Bureau ; Trans Union Trans Union received these materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Fraudulent Account/ TransactionXXXX XXXX XXXX  Account # XXXX Balance : $ XXXX : XX/XX/XXXX Fraudulent Account/ Transaction/ XXXX XXXX Account # XXXX Balance : $ XXXX : XX/XX/XXXX Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Trans Union to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX You are reporting this collection as an " OPEN ACCOUNT '' wich is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.
Product: Vehicle loan or lease

Back in XX/XX/2021, we refinanced our XXXX XXXX car loan with XXXX  XXXX XXXX. On XX/XX/2021, Kia Finance received a check from XXXX  XXXX XXXX. XXXX overpaid Kia {$850.00} over the payoff balance. Also Kia took over a month to credit that check to our loan. For that reason, we made an additional payment for {$450.00} to Kia Finance so no late payment would show up in our credit report. After months and many requests to Kia to refund both the {$850.00} and the {$450.00} to us, we have been told by their customer service department that both refunds are on hold since XXXX, 2021 and that all they can to is to send an email to the payment department to initiate the process. We have been told the same thing over six times. I called today XX/XX/2021 and was told that there's no record of anyone initiating that process. We are in the third month of paying XXXX XXXX XXXX for the refinance loan including the overpayment they sent to Kia. Kia customer service does not have a direct way to communicate with their payment dept and I'm affraid that after a few months they will have no record of my account and both overpayments.