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

Ive been disputed a few credit card accounts that was fraudulently opened a few companies in my name i was a victim of identity theft Ive had a fraud alert in place on my credit file ever sense i sent letters back in XX/XX/2022 disputing the following accounts XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX  XXXX Bank # XXXX Ive disputed these items over and over with credit reporting agencies Transunion, XXXX and XXXX stating these was fraudulent accounts they never investigated just kept saying it was accurate
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Product: Payday loan

I ran into a finacial crunch had to borrow some money. I usually borrow from reputable companies. I was online doing a serach and I came across Cash USA after reading that it was a revolving account I said that was good I looked at their pricing and it stated that for the XXXX XXXX I borrowed my payment would be XXXX monthly or XXXX biweekly. They sent me a statement saying that my XXXX payment was {$220.00} and XXXX weeks laters they expected another XXXX That absurd who in their right mind would agree to pay someone $ 300XXXX per month for XXXX when I have borrowed XXXX and my payments was n't that high. I can not afford to pay anyone that kind of money. I needed to pay my water bill not get ripped off because I was in need. I have no problem with paying what I borrowed, but to pay that monthly is crazy. I immediately reached out to them by email and phone informing them of the situation they brushed me off as to say oh well you going to pay it. I made the payment of XXXX and that was my last payment because even if I wanted to give them that kind of money my paycheck wouldnt allow it. This company is taking advantage of people that is in need if I had that kind of money than I would n't been borrowing any from them. I am trying to get some assistance because I am rebulilding my credit and this is the last thing I need.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit report i want the fraudulent account to be removed from my credit report immediately because they hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions bank reported to the credit bureaus that I was 30 days late for a payment of  XXXX  that was due on  XXXX   XXXX . They reported this on  XXXX   XXXX  How is   XXXX   XXXX  considered 30 days late! I was going to make a payment on   XXXX   XXXX   specifically to avoid the delinquent reporting.
Product: Student loan

Every month since I have graduated I have been trying to pay these loans and every month they mess up how the payment gets processed and its only until I end up calling and verifying everything 3 times in one or two weeks that they finally figure out how to process my payment. As this has now gone on for five months its getting to the point of malpractice and Im genuinely concerned that they are trying to force late fees on my account and mess up my credit score to the point where I cant refinance at another institution that would actually know how to do basic addition and subtraction and process payments. The latest problem I ran into with them is that once again my payment, which I tried paying 4 days ahead of the due date, was rejected even though I had money in my account and the account had worked to process the payment the month before ( after calling 3 separate times in the previous month to finally get it to show up ). So yesterday I called them and asked them why it didnt go through and after an hour on the phone with an agent she said she was able to process the full amount for all 3 of my student loans and the money was taken out of my account so I thought it would be okay. Today I checked my app and after another half hour on the phone the guy found out she put all my payments into only one of my loans so I have to pay for the other two ( which are now past due and have fees because everything takes 3-5 business days to process ). This is just the latest example of how inefficient and almost maliciously incompetent this company is. To any body out there reading this DO NOT USE SALLIE MAE FOR YOUR STUDENT LOANS.
Product: Debt collection

XX/XX/2023 : I received a call from National Credit Systems regarding a loan amount of {$9100.00}. to secure an apartment in XXXX, Michigan. The apartment is : XXXX XXXX XXXX West XXXX XXXX XXXX XXXX XXXX, MI XXXX This is a clear example of identity theft. I live and own my home in XXXX, NJ. I advised the debt collector that I did not open up this account, nor do I live or ever lived in XXXX, MI. 
I recently made another call to the National Credit Systems collection company stating again, a fraudelent account obtained by identity theft. The woman advised me to file this claim via FTC.Gov. She also advised me to file a claim at my local Police Department in XXXX, NJ. I have notified all XXXX credit reporting companies as well. 
I would like to have this case investigated. I have not been in contact with the apartment manager on the premises as I dont want to scare the perpetrator away or go underground. 
This collection is adversely affecting my credit rating. Please help. jThis loan was taken out using my name and credentials. I have been a victim of identity theft in the past ( XXXX ). Subsequently, I have been signed up with credti protection with XXXX and XXXX. Neither had reported this to me, until very recently, much after XXXXXXXX XXXX when the loan became due and delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help so i can qualify for a house.
Product: Mortgage

Mr. cooper took over my loan in XX/XX/2017 from XXXX. Since Mr. cooper took over they have twice received my payment in time but failed to cash or process my payment for 3 weeks putting my account in a late status. 

The latest incident was in XX/XX/XXXX. I mailed my payment on XX/XX/XXXX and as of XX/XX/XXXX the payment was not processed according to my online account. I called customer service to find out what was going on. Thru this conversation It was determined that it would be best for me to enroll in auto payment. So with the Mr. cooper rep I went online and made my XX/XX/XXXX payment electronically and also enrolled in autopay. I instructed the CSR to disregard my check when it was received as payment has not been made. I let him know that I would put a stop payment on the check. 

When Mr. cooper finally decided to process my check on XX/XX/XXXX, they saw that my account was paid so they decided without my knowledge or authorization to cash my check and apply the money as extra principal thus incurring a returned check fee that they are now trying to make me pay for. They also assessed a late fee for XX/XX/XXXX due to them holding onto my payment for 3 weeks. 

My issue is that they sent me a letter stating that the discrepancy was in no part their fault and they are not responsible for the mistake. I think that due to Mr. coopers lackadaisical handling of mortgage payments has most likely cost other clients unwarranted and undeserved penalties. This has happened twice with Mr. cooper in less than a year and when I was with XXXX for over 10 years it never happened 1 time.
Product: Mortgage

We received a letter dated XX/XX/XXXX stating that the service of our loan with UWM ( United Wholesale Mortgage ) was being transferred to XXXX XXXX  XXXX XXXX XXXX XXXX. Unfortunately, we did not receive this notice until Friday XX/XX/XXXX and the start date for transfer was to be XX/XX/XXXX. This not only did not provide us with the full fifteen ( 15 ) days advance notice before the transfer would go into effect, and it did not allow us time to dispute with UWM the transfer and our concerns regarding the new service agent. Having the full 15 days prior to the transfer date would have been beneficial for us to research this new service agent more fully because we were already aware of the complaint of fraud filed in XXXX of XXXX against XXXX and the stipulated judgement and order for {>= $1,000,000} to borrowers and {$1.00} XXXX to cfpb. We want a reputable loan service company to service our loan. XXXX isn't even accredited with the XXXX  and has an approval rating of 1 out of 5 stars. UWM is at fault for this lack on their part to notify borrowers in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not Reporting my Credit Limit, Credit Limit is {$4400.00}, XXXX  is Reporting XXXX as my Credit Limit for which isnt True
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 was 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.
Product: Student loan

My loans were recently transferred from a previous service provider in order to facilitate the XXXX   XXXX. The date of transfer ( according to the previous provider ... since XXXX never contacted me during the process until after it was done ) was the day after my loan payment due date. I, of course, made my payment on time. When they finally showed as transferred and I set up my account online, my account showed as several weeks delinquent and my payment for this upcoming month as double ( which I can't afford ). I called immediately and submitted a request to reflect the previous payment on my account. Several days later, this has still not been fixed and my payment due date is looming closer. I have called again and submitted requests online to be contacted confirming that it is fixed. The people on the phone are seemingly helpful but also oblivious and I have yet to be contacted based on my online email requests. To be blunt, this is ridiculous and sure as heck not a good first impression. During my very fist call about this I was informed that this is a common problem. Two issues with that statement : 1 ) If it is so common, why is it taking so long to fix, and 2 ) If people know about it, why hasn't something been done to prevent it from occurring in the first  place. I will now be expecting both that the original problem is fixed, but also an apology with assurance that no issues will be handled like this again.
Product: Debt collection

Radius Global keeps calling. I tell them to stop. I don't settle anything over a phone. They refuse to send correspondence. Proof of debt. They need to stop calling me period. Every day they are calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX numerous amounts of times to clear fraudulent accounts off my credit report and have not gotten anywhere. They told me to submit my request directly with the 3 major credit bureaus. I have sent in 3 valid identity theft and police reports and still nothing has been done.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ill call Trans union credit reporting and ask them to remove unknown inquiries and they would do nothing about it! Ive sent my ID to verify my information to Trans Union and they still would not remove the inquiries. Inquiry where ( XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) explained to them these inquiries appear on my report because sec 6.11 of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes, please.Thank you
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to you regarding my credit report dispute, reference number is XXXX. It has been XXXX  days since I submitted my dispute on XX/XX/year>, as per the requirements of the Fair Credit Reporting Act. According to the FCRA, consumer reporting agencies like Experian are required to investigate disputed information and provide a response within 30 days of receiving the dispute. However, it has been 45 days since I submitted my dispute, I have not received any documents or a response I have requested from the investigation. The name of the company, their phone number, address, website and the person 's title and has anyone talked to my family and friends? All of these falls under the FCRA laws. Experian 's failure to do a reasonable investigation on the the disputed accounts in the 30-day time frame mandated by the FCRA, the disputed information shall be removed from my credit report immediately. Since Experian did not respond within 5 business days, I will consider the disputed items verified as inaccurate and they shall be removed immediately. Experian, is legally required to complete their investigation and provide the consumer with results within 30 days. 
Sincerely, XXXX XXXX XXXX.
Product: Debt collection

There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. This is not my account.
Product: Credit card or prepaid card

I opened a card with this company in XXXX. In XXXX I received a notice that they dinged my credit. I immediately called and they said when I opened an account with them they have a membership fee that I needed to pay. I told them i would send them a check and i did. They said I needed to pay {$29.00} for membership and {$29.00} for late fee and they would remove any negative reporting. I sent them a check for {$58.00} dollars that they processed and they responded by tagging me with another late fee and another negative on my credit report. Every time I call they say they will take care of it and its now XXXX the account has been tagged with 4 late fees and its being listed on my credit report as past due with a balance of {$120.00}. I have never used this card they advertise as a secured credit card to build credit. 
Everyone I have spoke to gives me the same responses and ask me the same questions. 
XXXX refused to give me an employee ID number and said it was against policy to give it to me. Which i am sure goes against CFPB regulation Last person I spoke to XXXX employee ID XXXX told me I need to pay the late fees and send a letter to have my account considered for adjustment to credit reporting.
Product: Credit card or prepaid card

XX/XX/ 2018 I made a purchase while abroad. That same evening I wanted to cancel the purchase however was unable to reach the merchant ( after store hours ) so I called Capital One to stop the transaction. I was told that Capital One could not stop the transaction and was given directions, which I followed. The next day, during business hours, since I was traveling and already out of the area, I telephoned the merchant, asking that he cancel the transaction. It turned into an unpleasant conversation. He told me to contact my bank and that he would stop the shipping. 
In the ensuing three months of a dispute claim with Capital One, the merchant, in a response to Capital One, stated that I had in fact cancelled the transaction and that he did not ship anything to me. 
Capital One, who initially took the charge off of my card, has re-billed my card for {$2100.00}. They've told me that the timeline for a dispute will be ending XX/XX/XXXX and that they can no longer move forward with the dispute.
Product: Credit reporting or other personal consumer reports

capitol one is reporting negativity in my credit score this account was sold to other company
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 confidentiality under 15 USC 1681. 


Account - XXXX XXXXXXXX Account - XXXX XXXX XXXX Account - XXXX XXXXXXXX XXXX Account - XXXX  XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX  XXXX Account - XXXX XXXX XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX  XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX  XXXX BANKRUPTCY The following addresses are also in violation of my consumer rights : Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX, XXXX, XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) 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 seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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 also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX