23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company began calling me in XX/XX/2018. Ive requested a copy of the debt as I have zero record of an unpaid bill. The company has refused to send me something in the mail but continues to report it to the credit agencies. 

When I ask why they refuse to send me something in the mail the responses have been " We did. '' - refuse to admit they never mailed me anything. Even when I explain this is the only piece of mail I seem to never receive and have reconfirmed my address multiple times. 
" Why don't you learn how to pay your XXXX bills '' - By a female employee in XX/XX/2018. When I asked to speak to a manager at that point he told me I lied and she didn't say it. When I asked the manager why I still am not receiving a copy of my bills he once again said they have sent them but again, as of XX/XX/2018 I have never once received anything in writing from them as requested so I can dispute this charge with the original party as this was a health care bill that should have been covered by my insurance carrier and I've explained that I need more details before I can even attempt to resolve this and get the debt taken away from my name. 
XX/XX/2018 - called in again. Still refusing to send me something in writing but have not stopped calling me names or telling me to learn how to pay my bills. 

This is harassment and I want it to stop. I pay my bills on time and have over a XXXX credit score. I am trying to resolve this with the original lender and this company is purposely preventing me from doing so. 

Debt Collector Details : Suburban Credit Corporation XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to XXXX about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.
Product: Credit reporting or other personal consumer reports

I sent a letter asking experience to reinvestigate my accounts. Everything is not 100 % accurate. This is causing me XXXX, I feel helpless because the credit bureaus are not doing their job.

According to 15 USC 1681i, XXXX, XXXX and XXXX have thirty days to investigate and send me results which I have not ever received.

They are in violation of 15 USC 1681i 15 USC 1681i ( 5 ) 15 USC 1681i ( 7 ) 15 USC 1681s-2 ( 1 ) 15 USC 1681 ( b ) ( c )
Product: Student loan

I have been off and on an income based repayment plans with Navient. I have been having problems with them not processing my applications. I submit all info, they tell me that they have received it. Then I would get an email saying my next payment is XXXX. I call and they tell me to wait until I am closer to the due date. I do, and the amount does n't change. I call back and they tell me that they have not received all of the information and I will have to resubmit my application and force me to do a forbearance agreement. They have taken the {$590.00} out of bank account twice. The first time I called I was told that I was on a XXXX mo IBRP. I had to go to my bank and fill out a report that I did not authorize that payment. The second time was " for the remaining XXXX months of the XXXX and my plan expired. '' I again had to go to the bank and file another report. I removed my account information for the auto pay. Then I was told that I had to add my husband 's financial information even though this debt was incurred well prior to my even meeting my husband. He is also an XXXX XXXX XXXX with a security clearance. So I did as I was told to go to XXXX and the IRS would send our tax return info directly to them. I received confirmation from the government that it had sent the information. Navient initially told me that it had received the information and that it had not processed the information yet and to check closer to my XX/XX/XXXX due date. I did, it was still showing the XXXX amount. I called and then Navient claimed it did not receive the information and I would need to resubmit again and again forcing me into yet another forbearance until XX/XX/XXXX and then they changed it to XX/XX/XXXX. My account is showing an amount past due of over {$1100.00}. The short times I was on the IBRP all payments were applied to interest. I owe so much more now than the original loan amounts. I have XXXX loans with them, but I am attaching screen shots of the larger XXXX, but the same thing is happening to the smaller loan. I have been trying to work with Navient since it took over XXXX ( who did not treat me well either ) and have been arguing with them since XX/XX/XXXX of last year, just trying to get these loans paid. They keep putting me into forbearance agreements and, at this rate, I am never going to be able to pay off these loans. I have finally got my credit situated and the fear of Navient reporting this to the CRA 's is devastating. I feel that they are taking advantage of me by abusing the system and waiving the fact that it will be reported to the CRA 's and they should be stopped from this unfair practice. I also have been sending them information to change my name to my married name for almost XXXX years. They have me as XXXX and my married name is XXXX.
Product: Mortgage

I made my XX/XX/XXXX payment for my morgage on XX/XX/XXXX, then when I went to make my XX/XX/XXXX payment Wells Fargo tried to do a double payment which I advised them they could not and they did reverse it but made my account 2 months past due which is incorrect, I am currently current on my mortgage and they refuse to listen to me or even contact me back when I do contact them. I have all my payment records here which is only a little over a year and a half proving I have made my payments, I admit in XX/XX/XXXX I made some late payments but for XX/XX/XXXX I have been ontime. They current have my due date being XX/XX/XXXX and saying I am past due which I am not and I have all the doc 's to prove it, that I am due for XX/XX/XXXX but I am making that payment today and I have a copy of that check as well. I have worked really hard on my credit and they are going to ruin it by them trying to rip me off!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in communication with XXXX Bank attorney XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX in regards of an account ( XXXX ) that is still on my consumer profile. 

I reached out and explained that XXXX Bank is breaking the XXXX XXXX XXXX XXXX  ) and stated what laws were being broken on my consumer profile. We had a conversation regarding the account and ultimately XXXX the attorney came to a decision to settle for a payment of {$500.00}. 

I will attach the screen shots of the emails of the conversations. 

I stated that I would be willing to settle to if they would agree to remove the negative account that is violating my consumer rights. 

XXXX came back and stated that XXXX Bank is unwilling to delete/remove the account and then offered {$250.00} more ( {$750.00} ) to " resolve '' my concern. 

XXXX Bank has attorneys representing their company that are knowingly breaking the law. I would like for this to be on record that I attempted to resolve this with XXXX  bank and attorneys. 

I have reported the issue I am having with XXXX Bank with my Attorney XXXX XXXX as well and I would like for this to be removed from my credit profile immediately as it is and has been XXXX XXXX XXXX effecting my financial future.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX, Puget Sound Collections added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. 
Please provide me with the following : Signature for those account debts at all. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on those accounts. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute 8 late payments currently listed on my credit report. XXXX from XXXX XXXX and XXXX from XXXX XXXX  According to the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( 2 ) ), consumer reports do not include information solely about transactions between a consumer and the reporting entity. I believe these late payments violate the FCRA, as they concern only my transactions with your company. The presence of these payments on my report is negatively impacting my credit standing. Therefore, I kindly request that you immediately delete these late payments from my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 an account without my written instructions
Product: Checking or savings account

I AM WRITING TO FILE A COMPLAINT AGAINST NAVY FEDERAL CREDIT UNION REGARDING MULTIPLE OVERDRAFT FEES THAT I HAVE INCURRED.DESPITE HAVING SUFFICIENT FUNDS WHEN TRANSACTIONS WERE AUTHORIZED, I WAS CHARGED FEES DUE TO LAGGED POSTING OF CHARGES AND CREDITS. THIS ISSSUE ALIGNS WITH THE RECENT CFPB FINDINGS AGAINST NAVY FEDERAL FOR SIMILAR PRACTICES, WHERE TRANSACTIONS SETTLED WITH INSUFFICIENT BALANCES DESPITE INITIALLY AVAILABLE FUNDS. I BELIEVE THESE PRATICES ARE UNFAIR AND REQUEST AN INVESTIGATION INTO MY ACOUNT.
Product: Checking or savings account

For almost a year now I have been told that the digital team had to fix an issue with mirroring an old account I had that I closed due to a back and forth dispute I had with a merchant that was investigated. So much that Capital One even gave me back the fees the merchant charged me due to the returned check fees I received as a result and was not a fault of my own. Again, for almost a year I have called in numerous times as to why I can not reestablish my line of credit on my checking account which several managers and reps all told me I should be able to do and the digital team was still working on it. Until it was fixed a note was put on my account dated XX/XX/2019 to credit me until the situation was fixed. Today I call in to gave two that were given to me credited and now I get told the reason why I can not have my fees reimbursed and my previous account mirrored is because my old account was restricted. Its not true and I paid everything that was due and was left in bad standing and it was then put in charge off status for XXXX cents that they forgave which is not true at all. It is all ridiculous and I am sickened with the amount of lies that have been told to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information have been involved in a data breach and there are XXXX negative accounts that is reporting negatively on my credit report i have file a report with the Federal Trade Commission ( FTC ) as well as filed police report of the incident the accounts need to be deleted off of my report I feel like this incident have really held me back financially and it need a resolution. the accounts that is reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out my information was breached on XX/XX/2022. I have placed fraud alert on my credit profile and filed a complaint with the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote XXXX XXXX and XXXX on XX/XX/, asking for full media validation and account details and requesting a dispute of a debt. Neither firm replied. I sent a second request to them via Registered Mail USPS in XXXX. 

Instead, the companies placed a derogatory item on my account, falsely asserting that I owed them. 

I included pictures of the returned telecommunication equipment, the XXXX document that verified shipment, the email acknowledging receipt, and other details. The alleged debt contains not details, itemization of charges, or a reply withing 30 days as required by the ECOA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX  XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

Wednesday XX/XX/2022 : I received a text from XXXX saying " XXXX CAPITAL ONE Fraud Prevention Team. Did you Attempt A Transaction At XXXX XXXX For The Amount of XXXX $ REPLY YES OR NO, OR STOP To Stop Alerts. '' I replied NO, and received a response stating : " FreeMsg capital one Bank Fraud Prevention Team a representative will be contacting you shortly. '' A person called and was asking detailed personal questions about my account, and I determined this was not Capital One and hung up. 

I called Capital one at XXXX and spoke with 3-5 people over the course of a 67 minute long call. My checking and savings accounts were closed, new ones were opened, and I was told the funds would take a few days to transfer from the old accounts to the new ones. They also sent me a new debit card. 

Tuesday XX/XX/XXXX : I received the debit card and I was able to see the funds in the new accounts online, but I was unable to add the debit card to my XXXX as a payment method, it said there is a problem and to contact my bank. At XXXX I called and spoke with someone at Capital One who stated that there was an extra measure of fraud protection and my account had been held. They stated that I need to make a purchase in person for the card to work. I went to try buying a coffee and the card declined. 

Thursday XX/XX/XXXX : At XXXX I called Capital One to advise them that my card was still not working. They said the new debit card was somehow linked to the old checking account, so they fixed that. They also stated that there was still a fraud hold on my account. They said they removed it, and that my card should work now. I tried adding the card to my phone again and this did not work, and tried making another transaction in person which also did not work. I called back at XXXX and asked to speak with a supervisor who said basically the same thing : there is/was an extra measure of fraud protection on the account.. they removed the hold and the card should work. 

Saturday XX/XX/XXXX : I was unable to link my new checking account to another financial institution to make a mortgage payment. It stated that the account was not authorized for bank to bank transfers. I called Capital One and explained the entire situation again, and after speaking with a supervisor I was told that there is an extra measure of fraud protection on my account and that I may not be able to make any transactions for up to 6 months. 

Tuesday XX/XX/XXXX : I called the branch in XXXX NY to see if someone there could help me. Someone named XXXX said that the branch can't help customers from out of state, or over the phone, and that I need to contact customer service. 

I haven't had access to my money for 12 days as of right now and I need some sort of action taken. I will be contacting local authorities in addition to submitting this claim.
Product: Debt collection

First, I never received any correspondence from AFNI , Inc., XXXX XXXX. A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX   XXXX.XX/XX/XXXX ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. Id. In the absence of actual proof of delivery, receipt can be proven circumstantially by introducing evidence of business practices or office customs pertaining to mail. United States XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). This evidence may be in the form of a sworn statement. Id. at XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX.XX/XX/XXXX ) ( a sworn statement is credible evidence of mailing for the purposes of the mailbox rule. ). However, because the presumption is weak where proof of receipt is attempted solely by circumstantial evidence, we require the affiant to have personal knowledge of the procedures in place at the time of the mailing. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX  XXXX. XX/XX/XXXX). 
The use of certified mail gets the benefit of the presumption only as long as the return receipt is presented. 
See, e.g., XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Az.XX/XX/XXXX ).
Product: Vehicle loan or lease

US Bank received duplicate payments for a car lease and will not refunded the customer payment. 
XXXX  Per US Bank policy, the pay-off amount must include all monies owed as of the pay-off quote date. 

Therefore the pay-off quote dated XX/XX/XXXX would also include the XX/XX/XXXX customer payment due of $ XXXX, which US bank received that payment the day after the pay-off quote on XX/XX/XXXX. 

US bank also accepted the original pay-off quote amount of $ XXXX on XX/XX/XXXX, which was within the quote expiration window of XX/XX/XXXX. 

As a result, the XX/XX/XXXX payment was payed twice : -Once as a customer payment of $ XXXX on XX/XX/XXXX -Once in the pay-off of $ XXXX -- - Quoted on XX/XX/XXXX, Invoiced on XX/XX/XXXX, Account closed on XX/XX/XXXX Documentation for all of the above transactions was provided to US Bank in XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have included in this complaint an update from this collection agency.Who refuses to be in compliance with FDPA and the FCRAI have requested The original contract with my signature.I have requested the notes on the account and all account statements.They havent properly verified my account They have lied and it should be immediately removedIm requesting all credit reporting agencies to remove this.They have not supplied the information requested in the past complaint.Which is a real true violation of my civil rights and my federal consumer rights ..They are in total violation of the FCRA and XXXX.Which is grounds for federal lawsuit under Title IV of the Civil Rights Acts I will include the so called debt validation.It isnt a legal debt validation which is in Complaince with Federal Consumer LawsIm requesting since they did comply with past request for contracts notes and all statementsIm requesting that it be removed immediately from credit report.I will be filing a complaint with my Attorney General in Maryland.Its high for General Civil Litigation in Federal Court
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30  days. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 card

This is the second time Penfed has increased my credit card limit dramatically, causing it to affect my livelihood. The first time it was decreased without warning and this second time as soon as I begin to use the card, it was decreased by {$70000.00}. I was diagnosed with XXXX and needed to purchase some items and saw it had a negative balance so not only did they decrease it, they decreased it under the balance making it seem as I went over the credit limit. This decrease is impacting my livelihood right now as this is being a resource to help myself and kids.