23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

collection agency has not provide valid information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they have placed a collection on my consumer report.

i have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) collection agency is violating my consumer rights by using false misleading information and deceptive means and practices collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( a ) date open XX/XX/2024 creditor name is XXXXXXXX XXXX XXXXXXXX ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT BALANCE : {$260.00} ACCOUNT NUMBER : XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incured. 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 funding 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

In XXXX my mother was served with papers for an amount owed to XXXX XXXX XXXX in my name for {$1300.00}. I was not living at home during this time and had since forgotten about this debt, I have moved since then and recently received a form to garnish my wages on XX/XX/XXXX for a total of {$1600.00} that was removed @ 25 % of my total check, it was taken from 4 consecutive checks. I did not file an appeal and I did not file a payment arrangement as I am a single mother and I do not live in XXXX county at this time so going down town would not be an easy task, I figured if they garnished my wages this debt would be resolved and I would not have to deal with this again. I recently received another form to garnish my wages again now for a total of {$1700.00} The last garnishment was very hard for me and I was told once this debt was resolved for {$1600.00} the debt would be gone, to receive another order for more garnishments is not only confusing its make me sick to my stomach as this will be a total of {$3300.00} I do believe I have paid the debt that was owed and ask for any assistance to remove this order for further garnishment.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction was authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.What happened?
Product: Debt collection

I was away in XXXX for 10 years when I came back home in XX/XX/XXXX I tried to get an apartment. I contacted all the companies that said I owed and they all said I still have to pay it or my credit will be ruined and possibly be sued. I spoke to my lawyer and I was afraid of going back to XXXX. He told me to reach out to you for help. This all happened from XX/XX/XXXX- to recent. I never had credit. 

XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$450.00} Type Unknown Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$2400.00} Type Unknown Payment Status Late XXXX XXXX XXXX Status Closed Balance {$11000.00} Type Collection Payment Status Late XXXX XXXX XXXX Status Closed Balance {$270.00} Type Collection Payment Status Late PORTFOLIO RECOV ASSOC XXXX Status Closed Balance {$6300.00} Type Collection Payment Status Late XXXX XXXX   XXXX Status Closed Balance {$9600.00} Type Installment Loan Payment Status Late
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX XXXX locked my joint checking account that is held by me, XXXX XXXX XXXX, and my mother XXXX XXXX XXXX, which resulted in my electronic mortgage payment for XXXX to be rejected. XXXX  XXXX XXXX states that they attempted to reach out to my mother for updated information multiple times, however, they did not do so in her preferred language nor did any of the bank tellers notify her that her information needed to be updated when she did visit the bank during 2019. 

My account was locked without my knowledge and the XX/XX/2019, my mortgage on my mobile banking app showed " pending '' to XXXX XXXX XXXX. I was NOT informed of my electronic payments not going through nor that my e-bills with XXXX  XXXX XXXX were reset so I did not get my e-bills for XXXX. Companies involved included XXXX XXXX XXXX and XXXX XXXX. My checking account was in good standing and I now have multiple delinquent late payments on my credit report. 

Additionally, XXXX XXXX XXXX has failed to inform my mother in a manner in which she can understand. Her primary language is XXXX. I was notified that no one in the bank could advocate for her or change her preferred language to XXXX without her having to navigate an English website through her online banking. My attempts to resolve the issue with the company resulted in me being told " Is that all? '' Please note, my last name also recently changed due to marriage. Last name is now XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 


Please make a further review on the following inquiries ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I accessed my free credit report online and tried to get forwarded to file a dispute but their forwarding hot button failed many times and address provided to access dispute filing was inaccurate or impossible to access. I was not afforded any dispute procedure from their site. I still have items on my report I wish to dispute but do not have access to do so.
Product: Credit reporting

This is regarding a reported entry on my Chex system reported that I have disputed on at least 3-4 separate occasions. I received i the mail today a letter from Chex Systems stating that they were not going to remove the reported information from XXXX XXXX XXXX XXXX because it does n't fall within the date that is listed on my credit report. My problem is this same credit union has reported the same information on the same report at least 3 times and they just change the date and the amount. I have disputed this over and over again every since earlier this year. It needs to be removed
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020 I tried to access my account with TD Bank. I noticed that my password wasn't working. After changing my password and looking at my accounts, I noticed that I had {$1000.00} less on my Landlord account, which is always at a specific balance. Then I noticed that my checking account had a transfer of {$1000.00} on XXXX XX/XX/2020 to a XXXX XXXX through an app called XXXX that is available on the TD Bank website. The only time I use this app is to pay my rent to my landlord, which is clearly documented on my transactions with XXXX. I do not know a XXXX XXXX, nor did I send him {$1000.00}. 
I called the bank and also went to the bank and closed all my accounts and opened new ones on XXXX XX/XX/2020. They filed a claim the same day at the bank. I gave them time to investigate the claim and on XXXX XX/XX/2020 when I didnt hear back from the bank I called again and was told the claim was denied. They also told me that I should call the person who is on the transfer information which has a phone number from Florida. I called that number and got a answering service the first time and the second time, he said he didnt know who I was and didnt have my {$1000.00}. I went back to the bank to get an explanation as to why this was denied and was told the claim was denied on XXXX XX/XX/2020. They told me that I would need to file a police report. That same day I went to the police station and filed a report. Currently investigator are reviewing the documents they asked me for. When I got home I had a letter from TD Bank stating the claim was denied and I could request documentation of the investigation the bank did. That same day I called the bank and ask for the documentation. I spoke to XXXX and she listened to my story and looked at my file and said that this looked questionable and she resubmitted my claim that same day. I called the bank again on XXXX XX/XX/2020 to check the status of the resubmitted claim and XXXX told me the claim is still pending and that is a good sign because usually they deny them right away. He also told me that he sees some questionable activity on my account from IP addresses from Florida and another location. I gave them another few days and called them again on XXXX XX/XX/2020 and spoke to XXXX who told me that he doesnt see anything in the system at all from the resubmitted claim from XXXX XX/XX/2020. He said he could only go back to XXXX XX/XX/2020. He suggested to submit the claim again. This is going on for over a month and all I am getting is the run around with no resolution.
Product: Student loan

I attended XXXX XXXX XXXX, a school later found guilty of engaging in fraudulent practices, which led to the discharge of my federal student loans. However, my private student loans, which were originally serviced by XXXX and are now serviced by Mohela, remain outstanding despite being tied to the same fraudulent institution. 

Since XX/XX/year>, I have reached out to Mohela multiple times requesting an investigation into the validity of these loans, citing the fraudulent practices of XXXX  XXXX XXXX and the resulting discharge of my federal loans. Despite these requests, Mohela has repeatedly insisted on phone communication, which I can not accommodate due to financial hardship and the disconnection of my phone service. I have also explicitly requested that all communication be conducted via email or mail, but this request has been ignored. 

Mohela continues to send emails and letters urging me to contact them by phone and enroll in repayment plans, despite my documented inability to pay due to unemployment and my ongoing application for XXXX benefits. On several occasions, I have requested a written acknowledgment of my hardship and a review of my loans legitimacy. These requests have been disregarded. 

Their refusal to investigate my claims, alongside persistent attempts to pressure me into payment plans, has left me feeling harassed and unsupported. I am seeking the CFPBs assistance to ensure that Mohela conducts a thorough review of my account and responds to my concerns in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain Run Solutions LLC has stole my information and identity without my consent. This is my last attempt before I send a notice to sue both Mountain Run Solutions LLC and XXXX.I will also be reporting to the Attorney General, XXXX, FTC XXXX and filing for suit in Federal District court for monetary relief x3. 

After several disputes and attempts to certify and validate an alleged debt, Mountain Run Solutions LLC has violated my rights.

Mountain Run Solutions LLC has violated 15 U.S. Code 1692c, 15 U.S. Code 1692d, 15 U.S. Code 1692e,15 U.S. Code 1692g, and 15 U.S. Code 1692j.
Product: Credit reporting

I received a credit inquiry alert from Experian credit monitoring service that 's provided to me. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

MIDLAND FUNDING has refused to validate a debt. They are now reporting it on my credit report, duplicated the account so it looks twice as bad, re-aged the account to intentionally damage my credit, and will not prove they own the debt. About 3 days ago a letter came to an former address. That was their first contact and they have been already been reporting this for almost a year without my knowledge. When the letter came to my attention I called and asked them to validate the contract assignment. They hung up. They have not validated this debt and yet are reporting it, duplicating it, and re-aging it.
Product: Payday loan, title loan, or personal loan

Dear Financial Bureau, I have been an carecredit customer for a few years now. However, every since they increased my payment form XXXX dollars to XXXX dollars, it has been minor problems. However, these past month has been a problem for me overall. You see, I agree to pay them XXXX dollars after an bank mix up on the 3rd of NovembeXXXX but they did not process my payment yet. Then they charge me XXXX dollars late fee for not getting the money yet. I send the payment to their XXXX XXXX and I was just wondering what is the problem? I used to send them payments via money order all of the time but this is the first time this has became a problem. I was wondering what is the problem?
Product: Debt collection

A charge off is considered a certificate of indebtedness which means it is income and must be removed. I request that Account XXXX reported by XXXX XXXX XXXX be removed immediately from my Experian Credit Report. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I request Experians assistance in deleting the the charged-off account associated with my account. 
Per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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. Exeperian reporting this adverse information furnished by XXXX XXXX XXXX is NOT a record of conviction or crime that antedate the report by more than 7 years therefore Experian is in violation of my rights under the Fair Credit Reporting Act 15 USC 1681 and the Privacy Act of 1974. No adverse item besides the conviction of crimes should be on my report and any item that is a derogatory mark is not allowed into consumer reports, this is another violation.
Product: Credit reporting or other personal consumer reports

company has failed to correct my credit report for the late payments submitted by XXXX XXXX XXXX. there continued fraud is causing me alot of issues. we have court XX/XX/XXXX with them would you like to be sued as well? i suggest one last time you remove all late payments posted by that company during the timeframe we have not been delivered what we purchased which is from XXXX and beyond of 2021 the next person to ask you will be a judge. credit acceptance did not provide the goods and services to us that we purchased. this is our final demand as we will be Sueing you for damages and our inability to properly use pr credit which is now your fault as well you have been given ohhh 500 pages of documents you should have reviewed ewould you like me to forward you our XXXX in damages we are sueing the bank for i have not figured out what your portion of fault this is but im sure the judge can if you dont immediately make corrections
Product: Credit card or prepaid card

On my American Express XXXX XXXX credit card account I have a promotional XXXX XXXX XXXX for purchases that is good through XX/XX/22. On my XX/XX/22 statement I noticed under Interest Charged an item labelled Interest Charge on Purchases of {$0.00} and showed a Balance Subject to Interest Rate of {$35.00}. On XX/XX/22 I called American Express customer service to inquire why there was an interest charge on the account given the existing promotional XXXX XXXX XXXX on the account. I was informed that this was interest on the XX/XX/22 XXXX XXXX XXXX charge of {$45.00} as this was not considered a purchase. I asked the representative that if I paid an amount on my account that day that covered the charge for the annual fee would that payment be applied to the highest interest rate balance as I understood was the legal requirement for consumer credit cards and therefore would interest accumulation on that amount stop after the payment was made. The representative indicated yes to my inquiries. So on XX/XX/22 I made a payment of {$50.00} to my AmEx account. However, on my XX/XX/22 statement on my account I noticed that there was under Interest Charged an item labelled Interest Charge on Purchases of {$0.00} and showed a Balance Subject to Interest Rate of {$36.00}. Both of these amounts were higher than on the XX/XX/22 statement though I had paid {$50.00} on XX/XX/22 to pay off the Balance Subject to Interest Rate and told my payment would go to this part of my balance first. Since I have talked to AmEx customer service and they have reversed both interest charges on my account. However, I am submitting this complaint because I would like to know if AmEx is following the legal requirements about how payments are to be applied on consumer credit card accounts. My experience in this situation leads me to believe that they are not. I would like an investigation into AmEx practices in regards to this and determination if they are complying with the relevant consumer financial protection rules and laws. I am not interested in a response to my personal situation as AmEx has reversed the interest charges. I want to know if the interest charges put on my account by AmEx were valid and legal.
Product: Student loan

I am on an income based repayment plan, I paid XXXX in XX/XX/XXXX, I started getting get calls every day at XXXX the next day. I have called and ask not to be called. I get pre recorded calls, not a person. These calls are disrupting my family. I changed the phone number to contact me. My mom continues to get the calls from navient someone named XXXX. When she answers, it 's a recording. When I call back, I speak to whomever answers the phone, I ask not to be called, emailed or texted. I am assured the calls will stop, they have not! Mom still gets the calls each and every day at XXXX. 

Just got a call from XXXX XXXX XXXX XXXX @ XXXX. Stop this harrassment!
Product: Debt collection

My identity was stolen in XXXX and I am still attempting to get certain incorrect information removed from my report that resulted from the fraudulent activity. I first filed a police report regarding a fraudulent Exeter account in XXXX but the account has remainined on my report thus far. I learned that the account could also be disputed with the bureaus as well. I began disputing with XXXX and XXXX in XXXX of this year, and I have sent monthly dispute letters via certified mail. I have also reached out to Exeter directly multiple times in order to point out that this account was opened by someone who had stolen my information. My first letter to Exeter was sent on XX/XX/XXXX via certified mail ( XXXX ). When this letter went unanswered I sent a follow-up estoppel by silence letter on XX/XX/XXXX. I received a response from Exeter where they requested some information from me such as my SSN, picture of ID, and FTC affidavit which I was more than happy to supply. I faxed them over the requested documents on XX/XX/XXXX. Despite the police report and FTC affidavit I supplied, Exeter has NOT removed the fraudulent account, nor have they provided me with any explanation on why they could not remove the information. I am simply trying to fix the errors on my report and move on with my life. It is a FCRA and FDCPA violation to continually report this disputed account which resulted from Identity theft.
Product: Credit reporting or other personal consumer reports

On the report it reflects that multiple inquiries were made between XX/XX/XXXX until XX/XX/XXXX which is inaccurate from car dealerships and other inquiries pertaining to credit. I have not made such inquiries and need this information to be reviewed and removed from my credit report please. I believe my information has been handled inappropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX 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 a account without my written instructions