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

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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 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.PLEASE DELETE IMMEDIATELY
Product: Credit card or prepaid card

XXXX XXXX in XXXX XXXX Wisconsin from whom I purchased a desk top computer and returned for service assured me they would be able to fix the problem I was having and after many attempts I took it back to them for further analysis and fixing. They eventually after several contacts told me they would have to send it to their service center which they did and contacted me several days later telling me they would charge an additional {$750.00} to repair which happened to be a factory defect ( a defective program interfacing with the 'touch screen ' ) I called the XXXX factory technical department and was told by they to have the XXXX XXXX XXXX XXXX service center return it to their store where I would need to pick it up and resend it to the XXXX. Service Center. They told me I was being 'grossly ' overcharged by XXXX XXXX   and appeared I was being 'stiffed ' by them for more than double their estimated cost of repair. Charges by XXXX XXXX were disputed by me for an amount of {$190.00} which were in addition to charges of {$210.00} I disputed earlier and successfully defended by American Express. I have a full set of notes regarding the experience I had with XXXX XXXX and recently cancelled my in store cresit card with them since I refuse to do any further business with them.
Product: Credit reporting or other personal consumer reports

Santander Consumer USA OPENED XX/XX/21 The reporting of the late payments, term length, amount due amount of loan paid are all reported inaccurately. Due to the inaccuracy of the reporting please remove the reported late payments on the account
Product: Checking or savings account

I am writing to file a complaint with 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 postings to 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.
Product: Consumer Loan

I was caught vulnerable at a time of need. I recently just loss my car to a hit in run. In I was in a desperate need of a vehicle. I went to a local car dealership by the name XXXX motors. Which promotes we can put you in a car no matter the down payment or credit. I was deny by every loan possible. I grew weary and tired of the process. So they stop me before I could leave and said a financial company by the name Exeter financial corp was willing to put me in a car. I thought they had to be kidding me. I spent hours and now somebody wants to finance me? In they was trying to put me in a XXXX? But there was a catch I had to put down XXXX dollars and it would be a 20.95 % interest with payments of XXXX a month. I felt like I could afford XXXX without paying attention to the interest I needed a car for transportation back and forth to work. So to conclude everything the car had water pump issue and a recall. Which lucky the car still held it 's warranty and all was covered. But as time went on I only wanted the car to be an temporary car. In as I start to look into the financial aspect of the loan. I notice I was up side down. The loan held more value than the car and I was in a six year loan plus out XXXX a month only about a XXXX dollars was going to the car. I was XXXX! I 've been looking for a solution every which way to get out this loan that I was charm in to accepting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account XXXX : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 9A ) ( 10 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. 
XXXX, TransUnion, and XXXX are report some or all of these accounts inaccurately. These inaccurate accounts are preventing me from obtaining a XXXX XXXX clearance, purchase a new vehicle so I can travel, credit cards, and the ability to obtain employment. Over XXXX credit disputes have been filed with XXXX, XXXX, and TransUnion in an effort to resolve this situation. 

XXXX XXXX XXXX Account Number : XXXX information being reported by XXXX does not match the information being reported by TransUnion and XXXX. No late payments are listed by XXXX or TransUnion. XXXX shows multiple late payments. The account was closed because XXXX XXXX purchased XXXX XXXX XXXX. We have not been late on mortgage payments.
Product: Credit card

I initially contacted Sony on XX/XX/year> at XXXX about being unable to order anything off the Sony Rewards app or the website. When calling in, the Phone Representative was not able to order anything either. We updated all information on my accounts to see if that would work, but the issue remained. The phone representative submitted a case for the problem and told me it would likely take less than a week to fix. I reached back out via the support page on the website asking for an update and got a reply on XX/XX/year> saying the issue was still being worked on again I emailed and got the same response on XX/XX/year>. The XXXX time I emailed I got a reply on XX/XX/year> telling me to call in for an update so I did on XX/XX/year> when I was told again that the account was still being worked on. It has been over XXXX days since initial contact and the issue remains unresolved.
Product: Debt collection

I have tried to get NFCU to remove a debt from my records with NFCU. I had credit card hardship insurance i paid for each month. In XXXX a person did not have the option to pay credit card insurance with NFCU. While XXXX i suffered a hardship and reported it to NFCU. I was informed they would take care of the issues over the phone in XXXX. I mainly called because it v was the only time in could use internet and services while i was in a XXXX XXXX. When i get back from XXXX NFCU forget agreements and send me in circles about using the hardship insurance to get debt relief. The debt still is wrongfully under my name at NFCU and i lost out on money for the insurance service i paid for that was not rendered. I should have been part of they supposedly reentered my account and sold it in XXXX to avoid having to pay my portion of the award. This business has some serious issues abs i have recorded phone calls to substantiate facts of issues with NFCU. Proof of the lawsuit abs my issues reflect those of others : https : XXXX # : ~ : text=If % 20you % 20believe % 20you 've , % 2Fcomplaint % 2C % 20according % 20to % 20Vahey Called NFCU today and a rep said they were not suppose to call or contact victims in this class action. It clearly states they're suppose to on this web page.
Product: Debt collection

I have asked West Asset Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of my credit report, I am requesting the immediate removal of the following hard inquiries : XXXX XXXX XXXX  XXXX XX/XX/year> I am disputing the following hard inquiries as I did not authorize these credit checks. I have no record of applying for credit with these companiesI am disputing the following hard inquiries as I did not authorize these credit checks. I have no record of applying for credit with these companies on these dates. on these dates. 
I dispute the accuracy of the information listed above and request that it be removed from my credit report immediately. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to a free copy of my credit report, which I request be sent to me within five days of receiving this letter. 
I look forward to your prompt attention to this matter. Please investigate my dispute thoroughly and provide me with written confirmation of the results of your investigation. 
Sincerely, XXXX XXXX
Product: Debt collection

Debt Validation Request I am writing in response to your recent communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am exercising my rights to ensure that I have complete and accurate information about this debt before making any decisions. 

Please provide the following information : 1. The original creditors name and address.

2. The account number and the amount of the alleged debt, including a detailed itemization of any fees, interest, or charges added.

3. Documentation showing that you are legally authorized to collect this debt.

4. Proof that the debt is not beyond the statute of limitations.

5. Copies of any contracts, agreements, or records bearing my signature that substantiate the legitimacy of this debt.

Pursuant to 15 U.S.C. 1692g ( b ), I request that all collection activities cease until you provide the requested validation. Additionally, any reporting of this debt to credit reporting agencies should be suspended until the debt is verified. 

I also request that all future communications regarding this matter be made in writing to the address listed above. 

Please note that this letter is not an acknowledgment of the debt, nor is it a refusal to pay. I am simply requesting validation of the debt as allowed by law. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information has been leaked in the data breech.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports Consumer reporting agency 's produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general Equifax is furnishing inaccurate information on your consumer reports which is a direct violation of 15 usc 1681e ( b )XXXX XXXX XXXX XXXX is reporting inaccurate Information on my credit and I put Equifax on notice. I would like to know the procurers of their investigation in written. Equifax deleted account and then reassigned back on to my credit filer which is illegal. See attachment. I also would like to introduce new exhibit showing reporting of this account out of compliance according to Metro 2 standards.
Product: Debt collection

Recovery One Address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX called me from a masked number XXXX She claimed that we owed XXXX XXXXXXXX XXXX XXXX an amount around {$250.00} from XXXX of 2018. No proof was ever provided by Recovery One or XXXX XXXX as we paid at the time of replacement. No attempt was ever made before XX/XX/XXXX this year. No communication was ever attempted. When I mentioned this Ms. XXXX 's response was " guess you never check email or open letters. '' I replied that no letters or emails have been received. 
I said we needed proof or would not pay any debt. Her response was " then I'll put it on your credit and ruin it. '' When I tried to call back the calls were never returned. Not once. I called the main number and they transferred and hung up, denied I had the right number and won't return any calls. To be clear several aspects of the FDCPA ( 15 U.S.C. 1692 to 1692p ) have likely been violated by Recovery One. Listed below. 

place telephone calls to you without identifying the caller as a bill collector. 
communicate false credit information, such as failing to state that you dispute a debt. 
harm or threaten to harm you, another person, or your or another persons reputation or property. 
A debt collectors first communication with you must tell you that he or she is attempting to collect a debt and that any information obtained from you will be used for that purpose. 
In subsequent communications, the collector must tell you his or her and the collection agencys name. 

Not one of these above mentioned parts of the law were followed by Recovery One. 
I ask for immediate relief from these illegal tactics by Recovery One. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking my credit report and found that I have accounts opened in my name and XXXX collection I was only XXXX at the time these accounts where open and I did not give my consent nor did I open these accounts. I contacted all three credit bureaus and they verified the information as true. The following accounts I did not open and they are either fraud or someone else information is on my credit report. The following accounts need to be removed and investigated as soon as possible. 
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 I reached out to all credit bureaus and they sent back information being verified without information on how it was verified because I don't understand how that can be so because I did not open these accounts.
Product: Money transfer, virtual currency, or money service

I cant take all my money out of my pay pal account which came out to {$7100.00}. About 2-3 months ago I tried taking money out and I couldn't. Ive already put in the information they needed however whenever I reach out they tell me that they are investigating the issue. Ive provided them with how my business provides service to our customers yet still they are withholding my funds until now.
Product: Debt collection

Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

A student loan with Navient was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for XXXX  months, until XX/XX/XXXX. However, Navient closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.
Product: Credit reporting or other personal consumer reports

I had a car loan with XXXX XXXX that ended in XXXXXXXX XXXX XXXXXXXX due to me sending the car back due to financial situations they sold the car out in XXXXXXXX XXXX XXXX which left me a remaining balance of XXXX. Then approximately XXXX XXXXXXXX XXXX XXXXXXXX I noticed on my credit report that there was a balance increase which should not happen I called XXXX XXXX they said they fixed it then approximately a week ago I received another notification that my balance was once again changed on XXXX XXXX to a higher amount and then also they added five late payments to the account as well which there is no late payments on the account. So now my credit is being affected because of this and I want them to take responsibility and just XXXX out my loan because of their mistakes and fraud
Product: Student loan

I received a letter from my employer today stating that an order for wage garnishments has been processed for a defaulted student loan through ECMC. This was a great surprise because the last time I spoke with a representative from this company was on  XXXX / XXXX / 17  when I made a request to be communicated with in writing/by mail about a resolution for this matter. I have kept a record of letters I have sent and received in an attempt to get this debt validated and to request a payment plan if this debt belongs to  me. ECMC was not willing to work with me, the debt they claim is mine has not been fully validated and they have yet to provide me with a promissory note. I was not given proper notice that this process was even happening, yet   in one to two pay periods they are demanding that my first employer in almost two years garnish 15 % of my wages after only being employed for three months. I was never notified of the issuance of this order and the law requires a thirty day notice from what I read in a letter from my employer. Not only that but I was not given an opportunity to contest the withholdings, nor was I informed of my rights in regards to the wage garnishment process. I was not given a n opportunity to make any arrangements so that this order could be avoided.
Product: Credit card

On more than a half dozen occasions, Wells Fargo has charged me late fees for payments made on time. My payment is due on the XXXX of each month. This past month, my bill was in the amount of {$250.00} and was due on XX/XX/2016. Wells Fargo mails the monthly invoices sometime between the XXXX and the XXXX of the month. For the bill due XX/XX/2016, they mailed the invoice on XX/XX/2016. I paid my bill by automatic payment on XX/XX/2016. Because it arrived before they mailed the invoice, they did not credit it to the XX/XX/2016 and charged me a late fee. Essentially, they have created a variable period within each billing cycle where I can not make a payment. In this past month 's case, any payment made between XX/XX/2016 ( the day the XX/XX/XXXX invoice was due, and was paid in full ) and XX/XX/2016 ( the day after they mailed the invoice ) would float in the ether and not be credited towards the invoice due for that billing period. This has happened over and over and over. I have filed several XXXX complaints and each time Wells Fargo reverses the payment. It requires constant vigilance. I can not believe other consumers are not being hit with these fees too.
Product: Consumer Loan

Tried to refinance vehicle with Auto Pay and had a very bad experience. Company took a month and a half only to inform us that they could not refinance vehicle for us. Told us not to make anymore payments to current lender therefore now we are faced with late fees and racked up interest fees. Company has bad communication skills. Could never get in touch with them, they would not return calls or emails.
Product: Credit reporting or other personal consumer reports

THE BANKS LISTEN BELOW HAVE INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company continues to reach out to myself and my family members after I asked them to stop. They call daily two to three times a day. The customer service reps are rude and combative. I just want them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a 605b request to Experian in order to block fraudulent accounts that are on my credit report as a result of being a victim of identity theft. I provided all necessary documentation for the 605b request and Experian denied the request with no valid reason.
Product: Credit reporting or other personal consumer reports

I was in XXXX XXXX and as I am getting back and getting everything back in order I logged into my profile and noticed that someone has been using my information. Also I found out my information was exposed in a data breach. Please see attached documents.