23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. I have included copies of my credit report showing the inaccuracies that I need updated and removed from my credit report need updated to paid as agreed. I was never XXXX days late XX/XX/XXXX for XXXX XXXX # XXXX Balance {$70.00} Open XX/XX/XXXX I was never XXXX days late XX/XX/XXXX or XX/XX/XXXX for Capital XXXX accnt # XXXX Balance {$400.00} Open XX/XX/XXXX I was never 30 days late XX/XX/XXXX for XXXX XXXXXXXX accnt # XXXX Balance {$910.00} Open XX/XX/XXXX I was never XXXX  days late XX/XX/XXXX or XXXX days XX/XX/XXXX for XXXX XXXX accnt # XXXX Balance {$9000.00} Open XX/XX/XXXX there are many other inaccuracies showing with this account. I was never 30 days late XX/XX/XXXX on XXXX XXXX accnt # XXXX {$6800.00} XXXX XX/XX/XXXX there are many other inaccuracies showing with this account. I was never XXXX days late XX/XX/XXXX or XXXX days XX/XX/XXXX for Self # XXXX Open XX/XX/XXXX Balance {$1400.00} XXXX dispute XXXX account # XXXX Balance {$4000.00} Open XX/XX/XXXX inaccurate reporting dates of last activity and last payment datesXXXX XXXX  # XXXX Open XX/XX/XXXX Balance {$11000.00} XXXX XXXX  # XXXX Balance {$3300.00} Open XX/XX/XXXX XXXX XXXX  Open XX/XX/XXXX Balance {$7800.00} never 60 days late XX/XX/XXXX or XX/XX/XXXX or XXXX days late XX/XX/XXXX XXXXXXXX XXXX Open XX/XX/XXXX Balance {$5600.00} Date of last activity and date of last payment inaccurate needs to be deleted FCRA violations.XXXX XXXX XXXX XXXX $ Balance {$7600.00} Open XX/XX/XXXX reinvestigate and delete wrong dates of last activity and last payment date FCRA violationsXXXX  XXXX XXXX XXXX # XXXX open XX/XX/XXXX Balance {$14000.00} never XXXX days late XX/XX/XXXX or XXXX days late XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$170.00} Date of last activity XXXX XXXX on all credit reports and last payment dates FCRA violations delete from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I filed a dispute to update the balance of my XXXX XXXX XXXX XXXX account, which was an installment car loan. I paid the balance off ; therefore, I wanted the balance to reflect {$0.00} and paid in full. I submitted account documentation that demonstrated I paid the account in full. 

The dispute process took 30 days ; after the dispute process was over, Experian deleted my account instead of updating the balance. My credit score has now dropped because the debt to available credit has increased. This error has caused me not to receive credit for all of the on-time payments I made in the past, as well as paying the balance off. 

I called Experian 's customer service number and spoke to a representative who told me they could not assist me and that the dispute results were final.
Product: Money transfer, virtual currency, or money service

XXXX {$1000.00} sent to the wrong person XXXX {$800.00} sent to the wrong person XXXX {$860.00} sent to the wrong person XXXX {$1300.00} sent to the wrong person XXXX {$1300.00} sent to the wrong person XXXX {$1000.00} sent to the wrong person All transactions through Zelle were sent to the wrong person and I was never reimbursed and it wasnt corrected in the system
Product: Debt collection

I was contacted by ARS about a medical debt that I told them that the veterans admin. was to pay. Second, they put the debt on my credit buerueu without even contacting me by letter or mail. After I called them they were very rude and hung up on me several times after I asked them why this was on my credit .buerua. I was not able to talk to a supervisor and it 's just so frustating to get the run around. I want this off my credit and I am not getting ny answers..
Product: Credit card or prepaid card

The following fraudulent charges were made with my Citicard : 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 I immediately reached out to Citi when I was alerted of unusual activity. I gave them all the above information. I have followed up multiple times to check and see if any more information is needed from me. On XX/XX/XXXX, I was told that the investigation was closed and I was responsible for all of the above charges. They said there was insufficient evidence of fraud. 
They told me they closed the investigation because I missed a single phone call attempt from them. I missed a single call on XX/XX/XXXX ( XXXX ) from the fraud department. A voicemail was left but the message was not clear. I could not identify a callback number. I immediately called the Citi number listed on my credit card within an hour of the missed call. I spent about an hour on the phone with a Citi representative ( on XXXX ) detailing the missed call I received and the voicemail requesting I call to give more information. I was told by the Citi representative that no information was needed from me and that the investigation was ongoing. 
The representative from the fraud department on XX/XX/XXXX told me I was at fault because I spoke to the wrong department. He also said I was at fault because I did not attempt to contact each of the above companies to inquire about these fraudulent charges and attempt to resolve the matter with each company myself. 
I spoke with a different representative that same day ( XX/XX/XXXX ) and was told they are reopening the case. But as of today, their website shows that the investigation is closed and I am responsible for the upwards of {$3000.00} worth of fraudulent charges. It has been XXXX billing cycles. I attempted to call today and the automated service also states the investigation is closed. A Citi representative told me there is no one from the fraud department I can speak to today and that she can not provide me any information about fraudulent activity. 
I have been great customer for Citi for years. This is my primary credit card and I use it daily ( Though I have not used it since the fraud occurred ). I pay all my bills on time. The charges above are so obviously not in line with my spending activity. They are obviously fraudulent. I feel extremely helpless and vulnerable right now.
Product: Student loan

I originally had XXXX XXXX as my student loan provider, but they were bought out by Navient. I never had issues with XXXX XXXX, but Navient has been one headache after another ... 
Ever since I used my savings account to pay a couple of my loans off, my account has been incredibly inconsistent. Even though I owed less, my monthly payment went up and I was bumped out of my income based repayment plan. I called numerous times to try to fix the situation since I was on automatic debit and I was not informed that my payments went up until they took more out of my account automatically. After speaking with someone, every month the issue was " resolved '', but it was never fixed. Someone finally had told me they would pause my payment for one month so I could get my finances back on track and that the next month my payments would automatically be coming out of my account again. This did n't happen, and I was actually taken OUT of automatic debit, so my interest rates lost the discount. I was so fed up with everything, I just used that motivation to pay the most I could each month to get my loans down. After doing this for about a year, I started realizing that the amount of interest they were taking out of my payments also was n't adding up. For example, I could pay {$200.00} and out of that payment, {$40.00} would go to interest, but if I made another payment 3 days later, they still put a large portion of it to go to interest. About a month ago, I realized that the interest rates they were using on my accounts were also incorrect. My interest rates are fixed, but they were charging me a variable interest rate. After dreading calling them, I finally did, and they had an " investigator '' look into my account. Turns out they " fixed '' my account, but all they did was finagle the numbers to make it look like a fixed amount was coming out of my payment for interest every month, but that was n't the case! I have no access now to the real numbers beforehand, and I still owe the same amount! It is absolutely ridiculous! For some payments when I payed {$20.00} in interest for example, the numbers when they " fixed '' my account make it look like only {$9.00} was taken out of my payment in interest. I just know something is seriously wrong and has been for awhile with my account and it 's very frustrating! The more people I talk to at Navient, the more inconsistent information and answers I get. I just want to feel like I am being treated fairly with my loans and that my hardworking money and my payments are being allocated correctly. I would like to get a copy of my payments before they " fixed '' the interest to compare the numbers from before to the numbers now.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH AAMS LLC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Vehicle loan or lease

Went to XXXX XXXX nissan in XXXX to buy a car with a friend of mine who agreed to help me by cosigning the salesman understood i couldnt get vehicle without a cosigner so after all the paperwork was dot pne i thought it went well a week later i check the website for the account an learn we were a victim of Bait an Switch scam i was not the buyer i was the cosigner an my friend was the buyer not any paperwork i recieved at the dealership says im cobuyer the paperwork the dealer sent to finance company is not the same that was giving to me when i requested copy of the contract the finance company recieved an compared it to what i got its missing multipages dollar amounts change completely different i also noticed my copy of the contract does not have my signature nor my friends.
Product: Credit card or prepaid card

I paid the full balance of my Credit Card bill which was XXXX. XXXX. Though i was late with the initial Payment, I paid this in full However, in the proceedings of The process i was asked to present documents of verification in which i did in full compliance. everything they asked for i submitted. But for whatever reason, my account was still restricted I provided the bank statement of my uncles account who paid off the balance and who authorized this transaction. They took the payment and it was posted. I have provided the following documents. After doing everything in full compliance the customer service at capitol one became very unprofessional and duragtory. They took my money and they still had not released my account. these are the documents I provided.
Product: Debt collection

Contacted Transworld systems Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was told account number XXXX Could not be located in their system for {$690.00} I contacted Transworld systems incorporated on XX/XX/year>.
Product: Credit reporting, credit repair services, 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 a account without my written instructions Hey hope all is well I ask the Credit Bureaus XXXX, Experian and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had inquiries on my credit report being reported inaccurately I never ever inquired Credit from these 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 XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX The inquiries are being reported on my credit report inaccurately and all I ask is that the Three credit bureau removed these accounts please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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
Product: Consumer Loan

On XX/XX/XXXX I was in a car accident that resulted in my car being a total loss. My insurer requested a Letter of Guarantee from Ally Financial so that they would be able to send a check. ALLY requested an evaluation letter and a breakdown of the charges. The Insurer sent them the information that was requested in XXXX. Ally financial continued to delay ( Stating things were wrong on the evaluation even when things were sent over to them proving otherwise ) and did not respond to XXXX XXXX request for the Letter of Guarantee. Ally finally sent the letter of guarantee on XX/XX/XXXX and Ally received the check from XXXX XXXX on XX/XX/XXXX. Ally financial stated they are charging fees for late payments in the amount of {$720.00} and can not explain or show documentation of where these fees are coming from. I spoke with someone who claims they are financing fees but how can intrest occur on amount paid by the insurer. I have gap insurance which covered the reminder of the amount that was owed at the time of the accident ( XX/XX/XXXX ). I have reason to believe that ALLY Financial is defrauding the account. I and my insurer have tried to contact Ally Financial about this issue but continue to get transferred with no one telling us why these fees were assessed to the account. On top of that they did not tell us we owed any fees until XX/XX/XXXX. They also have reported to the credit bureau that I have missed payments and delaying my home buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize or have authorized the noted inquires on my credit report. Please remove inquires on my credit report immediately as this is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALLED XXXX XXXX AND THE COMPANY EMVLP LLC ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY XXXX, XXXX, AND XXXX.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account for XXXX that I did not recognize. I contacted XXXX. After speaking with XXXX, they confirmed there is no account under my name. Despite this, the credit bureaus continue to report the account. I have spoken with the bureaus over the phone and sent a police report documenting the fraud, yet the account has not been removed from my report.
Product: Mortgage

On XX/XX/XXXX, XXXX/SPRINGEQ, LLC, obtained my credit report resulting in a hard inquiry. I am requesting the removal of this credit inquiry and submitting a complaint of discrimination based on gender and veteran XXXX status, based on deceptive practices from a dishonest lender. SpringEQ initially assured me, through my XXXX XXXX loan officer, that I would qualify for a XXXX loan to fund our addition that is currently under construction. 

SpringEQ gave inaccurate and deceptive information prior to obtaining my credit report by informing me that I would qualify for the HELOC while my addition is under construction. I was working with XXXX XXXX from XXXX XXXX, and he used SpringEQ as the third-party broker for my requested XXXX loan. I told XXXX that we are adding an addition to our home and are looking for a home equity line of credit to complete the project. I sent all requested documents, was required to pay off my taxes in full and did so, my credit was approved, my debt-to-income ratio was approved, the home appraisal that was required came back, looking great. That same appraisal included photos of my addition that is currently under construction. 

SpringEQ obtained my credit report, causing a hard inquiry, based on inaccurate and deceptive information at the beginning of the loan process. I was told that all my documents and appraisal were approved, and everything looked great. My loan officer told me that I would receive the final approval the week of XX/XX/XXXX and then have the funds in my account 4 days after the final approval. However, SpringEQ denied my XXXX request on XX/XX/XXXX, citing that they would not approve the loan because of the addition being under construction. This reason for denial contradicts what the company informed me at the start of the loan. If they would have been honest about disqualifying me because of the construction at the beginning of the process, I would have never continued the process with them or allowed them to obtain my credit report. This hard inquiry needs to be removed so that I can reapply with another upfront and honest lender. 

I have reached out to Spring EQ through email, phone, posting reviews, and reporting to the XXXX, and still have not heard anything from them to resolve this situation. I believe SpringEQ discriminated against me based on my gender and veteran XXXX status, as everything else in the loan process was approved and there is not any other reasonable excuse to deny my loan in the last week of the process. They cite the denial is because the construction of the addition is incomplete, but that makes no sense, and should have been disclosed at the very beginning instead of leading me along for 30 days. I firmly believe this is discrimination against my gender and veteran XXXX status. This process has caused my credit to plummet as a result of paying off my taxes in full as one of the requirements to proceed with the loan and the hard inquiry.
Product: Debt collection

On or about XX/XX/XXXX, Authorized Agent, XXXX : XXXX sent the following correspondence : CERTIFIED MAIL NO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chief Financial Officer LVNV FUNDING LLC d/b/a RESURGENT CAPITAL SERVICES LP ( " LVNV '' ) c/o XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Re : Alleged Debt Account # : ending in XXXX XXXX XXXX, This instrument is a NOTICE OF DEFAULT IN DISHONOR AND CONFESSION OF JUDGMENT upon the following instrument presented in a private communiqu : NOTICE OF ALLEGED DEBT DISPUTE mailed on or about XX/XX/XXXX via U.S.P.S Certified Mail Article No XXXX XXXX XXXX XXXX XXXX XXXX and received by your offices on or about XX/XX/XXXX. 

Your failure to respond with the CREDITOR DISCLOSURE STATEMENT as requested in said Notice, providing your verified PROOF OF CLAIM in the form of a sworn rebuttal affidavit, under your full commercial liability, signing under the penalty of perjury that the facts contained therein are true, correct, complete and not misleading, is taken as agreement to your commercial dishonor, XXXX XXXX, exhausting my administrative remedies. 

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act ( FDCPA ) is construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

******* LVNV moved forward and took legal action against the Beneficiary of the XXXX XXXX XXXX XXXX ( " Principal Debtor '' ) and secured a default judgment for a wage garnishment of the Beneficiary property. 

On XX/XX/XXXX, we sent a Notice To Cease and Desist ( Contract ) via U.S.P.S. Priority Mail Express XXXX. XXXX XXXX XXXX XXXX XXXX as our good faith offer on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to give their client an opportunity to cure its breach of trust and voluntary dismiss the case in light of LVNV 's egregious violations of 35 violations of the FDCPA and the FCRA as well as the State of Florida Statutes Titles XXXIX and XLII, 18 U.S.C. 1341 and 1342, 18 U.S.C. 241, 15 U.S.C. 1 and 2 and Beneficiary 's 4th amendment rights to the Constitution. 

On XX/XX/XXXX, XXXX garnished Beneficiary 's check in the amount of {$1400.00} for an unvalidated debt based on a fraudulent default judgment secured by XXXX on behalf of their client LVNV. 

XXXX XXXX XXXX and XXXX are complicit in this fraud upon the court and acting as a debt collector is subject to the FDCPA and FCRA as well.
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 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. 
I want the CFPB to
Product: Credit reporting

There was an account opened in my brother 's name and they used my card information. I found out today and called to request it be closed and cancelled and told them i did not authorize. I had already been charged 3 times and had n't noticed. I requested a refund for that account and was told I would only be refunded one payment even though the account was not in my name and I was being charged on my card. My card is in my name, not my brother 's name. They told me they delivered services so their end of the bargain was delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report which i received. I disputed some errors which were corrected such as incorrect names and addresses. I also noticed four erroneous alleged debts on my credit report which is damaging my credit worthiness substantially. I asked that these alleged debts be validated and provide me a signed contract from the debt collectors reporting this alleged debts from Trans Union. I have not received any copies of requested documents as previously asked. Secondly, I requested Trans Union to provide the procedures used to validate these alleged debts on my credit report as well and they have not provided me with the proper documentation as requested.