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

I recently pulled my credit report and found the following accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I notice my right were violated 15 USC 1681 ( a ) ( 4 ) 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. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.
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 transaction were authorized, I was charged fees due to lagged posting of charges and credits.This issues 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 practices are unfair and request an investigation into my account transactions
Product: Debt collection

I had medical debt that was sold to the debt collector, XXXX XXXX XXXX  in Oregon. Original amount was $ XXXX. I was never notified of any intent to sue. In XXXX, I was informed there would be a garnishment of my wages and provided a paper that stated they had received a judgement against me back in XXXX. I was NEVER notified of this intent to sue or the outcome of the judgement. I lived at the same residence from XXXX until XXXX so there is no excuse for this. Additionally, when I called them to ask- they stated they served my Husband on behalf of me- in XX/XX/XXXX. This also did not happen. When pressed further on a specific date and location of when they served him- the call suddenly became dead air and I waited on the line for a while before ultimately disconnecting the call. This judgement was almost double the amount originally owed. 

Recently I had to pay off the full amount for a loan purpose- and they did not inform my employer that they had collected the full amount until after I had been garnished again and overpaid by almost {$500.00}. I had to call and insist they email my payroll to correct this. During this time I was also informed that they had been charging a 9 % interest rate which ultimately resulted in paying nearly {$1000.00} more than the original judgement.
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since XX/XX/XXXX, Unifund CCR has illegally attempted to collect a credit card debt that was never verified nor presented with a contract. I have asked Unifund on several occasions to verify debt that was never done. Now, they filed a lawsuit seeking judgment without verification or proper notice under state ad federal laws. 

Concerned customer
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well- being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian and Equifax for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Mortgage

Midland Mortgage is engaging in fraudulent activities concerning escrow and principal. Midland mortgage will not change payments when it is a lower amount. Midland will adjust other payments such as principle to balance out the overage that is owed to the consumer. They mislead with charges of inaccurate charges of escrow balances for insurance. Midland never refund any excess money owed to consumer as they increase other amounts. They have held my funds stating that my insurance was higher when in fact I requested a recalculation of my taxes 6 months earlier. Which was never done after several attempts to have them recalculate to an lower amount then what was owed. I am asking that midland mortgage practices is looked at and all funds is applied to my mortgage.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I bought a car in XXXX on XX/XX/XXXX as I was living there at the time. US Bank is the lienholder on the car. In early XX/XX/XXXX I moved back to XXXX. My registration on the car came due at the end of XX/XX/XXXX and I tried to get the car registered in XXXX. I made at least XXXX trips to the XXXX over the course of about XXXX months and and spent countless hours on the phone with US Bank trying to get the title information to the XXXX in a form that was acceptable. I was never able to register the car in XXXX. Apparently XXXX is a digital title state and XXXX is a physical title state. While this should not have been much a problem it was a significant and apparently unsurmountable obstacle. First, it took XXXX weeks for US Bank to create a physical title. The first copy they sent to the XXXX XXXX never arrived. The second copy they sent was tracked to a XXXX in XXXX that was hours away from my location. The third time also never arrived. In early XX/XX/XXXX, I moved to XXXX for a job transfer and decided to try to register the car in XXXX to see if it was easier. While XXXX is easier on the XXXX side, the US Bank side continued to be nearly unworkable. XXXX XXXX needs a certified copy of the title and an official letter stating I can register the car. I am on my third attempt to get what I need to register the car from US Bank. The first time a rep handwrote a letter and took a XXXX photocopy of a title that said void all over it. The second time I got a typed letter and the same XXXX photocopy of the title. I am now on the third try with US Bank. In the meantime once my XXXX registration expired. I was never able XXXX XXXX the car as it was unregistered, although I was expected to continue making payments to US Bank. In total I have been paying for a car that I have not been able to register for XXXX years, XXXX months, XXXX days and counting!! How can a bank not know the process and what is needed to legally register their cars?
Product: Checking or savings account

They will not give me the exact date but in XXXX of XXXX  they removed my name from the business account that I opened without authorization and turned it over to an employee without authorization and they refuse to give me any details. 
And I also own the trademark for " XXXX XXXX XXXX XXXX  '' Account # XXXX XXXX XXXX XXXX XXXX They have been acting without board approval but have started claiming they where the board members now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My filled complaint was closed without providing me the results of investigation. Again I am disputing these items and wanted them to be removed from my report. Here are the accounts appearing XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$750.00} ; 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: Vehicle loan or lease

I called Ally Financial Inc today XX/XX/19 regarding a discrepancy with my outstanding balance of my car loan. I advised the balance reflected on my account was {$4700.00} short of what I paid. The representative was agreed with me after doing the math together and consulted his supervisor. He cam back on the phone and proceeded to tell me that because my payments were not made by their due date of the XXXX of the month that they were allowed to raise my interest rate to over 50 %. When I advised that his explanation doesn't sound legal he began to tell me he could no longer help me and disconnected the call.
Product: Debt collection

This company ( Receivables Performance ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$0.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The management company XXXX XXXX XXXX XXXX evicted me from my rental and told me I'd be charged with trespassing if I came back on the property. At the time my rent was paid and the account was closed. 

A year later they sent me a bill for {$8000.00} for 8 months of rent on a unit I didn't even live in. This is fraud and These are Frodulant charges!! the account was closed! 
rent Recovery Solutions has been made aware of this and a XXXX complaint was made and excepted the acount as Fraudulant. Even after being contacted they still haven't taken it off my account and it's cost me horrible problems and it's Againsed The law! FRAUD!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX  XXXX Balance Owed : {$370.00}.
Product: Credit card

This is with BP Visa card from fnbo. 

Back on XX/XX/year> I pay my credit card bill as I do every month, amount I usually pay are between {$150.00} to {$400.00}. but on that day Bp shows that I input {$4000.00} as a payment, although balance owed was {$3300.00}. I called BP at XXXX XXXX they advice that they cant stop the payment, I told them I never input {$4000.00} they didnt care, I told them if its a mistake from my part I only owe {$3300.00} they said nothing they can do. I called my XXXX XXXX XXXXXXXX my checking account bank, they told me that there is no sufficient fund to pay it it will nt be paid, but I have other bill that are being retuen due to my account went on overdraft. 
So I let it go and paid the fees thinking that might be that i mistakenly input that amount. 

But now again it happen this month I input to pay {$300.00} and Bp submit a payment of {$7000.00}. That is redicolous I never paid this amount. Now I'm sure that there is a glitch or some issue with their system. Its causing my other bill that I pay in my Bank to send back. I call BP some call center in XXXX XXXX, they didnt care, when I ask for manager they put soem interference niose on teh phone, so I will hang up,
Product: Debt collection

The company is Amcol Systems collecting on some medical bills of my XXXX husband. In XXXX of this year I set up a payment plan of {$25.00} a month which is hard to pay most months being a single mother. At the beginning of XXXX I called the company and told them I needed to miss that months payment due to not having the money and the man I spoke with told me if I did n't pay the payment they would garnish my wages and take anything they could take to make the payment, so I just borrowed the money and payed the payment. On XX/XX/XXXX I called and told the lady that answered that the payment may be a few days late and she stated that If the payment was n't made by XX/XX/XXXX that I would forfeit my payments agreement with them and would then be liable for the whole amount of the bill in one payment.
Product: Credit reporting

I disputed a couple of accounts that showed as delinquent on my credit report since I could n't find any record of those accounts in my files. I asked them to provide physical proof of verification of the account or remove them from my credit report. Their response was that the account had been verified but did not provide either the name of the employee who verified the account or physical proof of the verification of the account. Do n't they have to verify the accuracy of the data reported not just report whatever is sent to them?
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. states I have the rights 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 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts/Accounts # XXXXXXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the recent investigation, I am submitting this CFPB Complaint to express my disagreement with the findings and to request that complete accuracy be ensured. I am not satisfied that enough effort was made to contact the creditor responsible for reporting the information on my report, and therefore, I am seeking further information regarding the disputed account as soon as possible : XXXX XXXX XXXX  Balance Owed : {$33000.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy.
Product: Debt collection

I received a call today at XXXX from No Called ID. I did not answer it and let it go to vm. My exhusband then received the same call at XXXXXXXX XXXX right after me, leaving him a voicemail. We are not married. They left a voice mail saying they were coming to my house, and saying the number I'm calling is the filing department with a case number. Be advise she will need to call to get a stop order so she doesn't have to come out and serve me. For me to call the filing department. They left my personal information on his voicemail. We have been divorced for 5 years now. He has no right to any of my business. The message left for me to tell me she is a private courier and she was calling to notify me that I was on her schedule to be served with documentation tomorrow, XX/XX/XXXX and for me to call XXXX and the case number is XXXX and to be advised that if a stop order is not received she was going to come to my employment and my residence tomorrow to serve and take me and to make sure I have my ID prepared. I called this phone number and they told me they were Nationwide Recovery Systems. I told them the message I received. They said they were sending someone out Friday XX/XX/XXXX to serve and get me. I asked them what was this about, they said a debt with XXXX XXXX. I told them I have not received anything through the mail about some debt, which by the FDCPA law would give me 30 days to dispute. They claimed they " emailed '' me. Which was false. They threaten to take me and take actions, but would not tell me what the debt was. I told them verbally I was giving them a cease and desist to not contact me and not to contact my ex-husband and they were only to provide documents through the mail. I informed them I was filing this complaint because their actions are against my personal rights with FDCPA, ECOA and RESPA. The guy laughed and told me I didn't know what I was talking about and they would just come and get me tomorrow. They threatened my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus, however, my requests for both the credit bureaus and the furnisher from XXXX XXXX have ignored proof. The credit bureaus have all returned a status of " Verified '' when I have disputed the account. How is this account being verified with Equifax, XXXX, and XXXX, when the company doesn't even respond to my verification requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to Equifax, XXXX, and XXXX to ask for the proof the company is providing as verification of the account. My requests were denied. I was advised by Equifax, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. 
I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding an inaccurate late payment reporting on my XXXX XXXX  account by Experian. Specifically, Experian is reporting a 30-day late payment on my car loan in XX/XX/XXXX, which is not accurate. 

On XX/XX/XXXX, I made a payment of {$390.00} to XXXX XXXX  for my car loan. However, the next statement generated by XXXX XXXX  showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX on XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to XXXX XXXX Therefore, this late payment is not reporting accurately, as the payment to XXXX XXXX  was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from XXXX XXXX  showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from XXXX XXXX  showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.
Product: Debt collection

On my credit report I have a alleged debit for national credit adjustors from check into cash loan by phone. And I have already requested that I be provided with original documents that would validate that the debit is mine. And if it was made over a phone call then there is no way possible to say I even made it that makes no sense and the name on the debit is not even the name I use that is connected to my social security number. I keep disputing this debit and experian is not removing it even though it has never been validated. I asked to see a signed contract that I made for this debit and I was never provided one. There is no way for them to even prove this debit is mine and worst thing is according to them it was originally made by phone. This has fraud written all over it and experian is not doing a fair investigation of this cause when I asked for it to be validated they had 30 days to do so which never happened which means this has to be removed and experian is now violating laws