23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a XXXX-year-old XXXX vet on a fixed income with serious XXXX XXXX, I also suffer from XXXX  and XXXX ( XXXX ). I went to XXXX in Late XXXX of 2019, I explained my condition to the clerk. 

The clerk was aware of my condition, was told that under no circumstances could my phone be disconnected it was part of my lifeline, she suggested that the account be placed on auto-pay which is the best means to ensure my account would be in great standing and no chance of being disconnected for non-payment. 

The following month I returned to the XXXX store and requested a tablet be added to my account, I was told an additional {$38.00} for activation was required, but first, payment was due. At that instant, I did both ; made a payment ( {$58.00} ) and paid for the tablet activation. 

Two days later my payment of {$58.00} was returned, not rejected and for the first time, my service was interrupted. I went, in person, back to the XXXX Store and voiced my concern. No one was able to explain what happened. 

The following month my service was interrupted a second time and my condition magnified a thousand. I was in panic mode. I no longer trusted this company to provide consistent uninterrupted service. I did not miss nor was I late paying them. The account was on auto-pay. 

I call management and got nowhere with them, I informed the representative that I had the right to break the contract due to a breach of trust. I was willing to pay for my devices on the payment plan that was agreed upon, but I could not continue to pay for a phone and data plan. It was not working for me and I was on a fixed income and could not pay for cellular two plans. 

I contracted XXXX XXXX with a similar plan and using auto-pay. I have had no issues. Since this time I have contacted the company several times concerning that issue and my willingness to pay on time for my devices as agreed on, still, I refused to pay for the data and service which they insisted upon. 

The balance was {$780.00} or so for the devices. I recently received notification by mail and phone from a collection company demanding {$1600.00} concerning this account, which I flat out refuse to pay due to my not owning this amount and secondly, after my willingness to pay for my devices on terms of the XXXX contract ; which was on a monthly basis, it was XXXX that failed to provide/render services for which I was paying, so, I was forced to secure what was needed for my peace of mind. 

What I asked from XXXX was reasonable. They were at fought.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain financial has a inquiry on my report on XX/XX/2022 which I didnt authorize or was aware of.
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 where 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: 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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.SC 1681 SECTION 602 A states I have the right to privacy 15 U.S.cC 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 1691c. ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

I totaled my previous car on XX/XX/2020. XXXX insurance issued a check for XXXX and my damages were only XXXX. Whoever my salesman was when I getting into my new lease ASSURED me I wouldnt have anymore debt especially since insurance paid for more. That was how I was able to get a low rate/low down payment was because of assurance that insurance would cover damages and lower everything for me.
Product: Debt collection

I have askd for debt validation and all they keep sending is a final bill that I have no knowledge of ... I have not received a signature contract
Product: Credit reporting or other personal consumer reports

Requested that the erroneous info be removed as I dont owe the debt, XXXX XXXX did not provide any proof that dent was actually mine and Experian is parroting this incorrect information. Please ask them to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the credit inquiry problem where the bureau deleted the inquiries then added them.back illegally and they will not delete my transunion inquiries
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an incorrect account on my credit reports from XXXX XXXX. This account is being reported inconsistently across the three major credit bureaus and violates credit reporting laws. 

Additionally, I am a victim of identity theft. The details are as follows : XXXX : Reported as XXXX XXXX XXXX with no account number XXXX : Reported as XXXX XXXX, opened XX/XX/XXXXXXXX XXXX Account # XXXX TransUnion : Reported as XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX These discrepancies violate the Fair Credit Reporting Act, which requires accurate and consistent reporting. 

Furthermore, this account is the result of identity theft, for which I have filed a police report. I request immediate investigation and removal of this fraudulent account from all credit reports.
Product: Credit card or prepaid card

There was an unauthorized charge to my PayPal account from another state by XXXX. I called XXXX immediately and reported it and I also reported it to PayPal. They said I made the charges which I clearly didn't.
Product: Mortgage

XXXX I filed bankruptcy following that the mortgage company had the mortgage withdrawn from the bankruptcy. I was not told to reaffirm so I didn't not knowing to do so XXXX we got behind on the payments due to illness. the company sent me a letter to talk to a hud financial adviser and could not reach with the numbers that were sent in the letter. I looked on line and found one and spoke with them and was told the company I am dealing with is a predatory lender and no longer owned the home. It could work out one of three ways, I could pay the home off and never get a title or I could pay the home off and then pay them rent cause they own it or because it is a double wide they could come and take it when ever they wanted. Then the man said I am giving my money away and to stop making payments. I am now still to this day liable for making the taxes and insurance because they are not taking the house out of my name. I spoke with the loan officer at my personal bank and because they are a predatory lender they didn't want to work with them either. In the middle of XXXX we ended up in court. I explained to they other attorney what I was told and they told me I don't get to live there for free then they wanted a monthly payment beyond what my family can afford option 2 was to pay it off or get out. We had to move out by XX/XX/XXXX and I have gotten no reimbursement and have had to pay insurance and making payments on a home for 8 years that I had no chance of owning. They now want {$12000.00} and when I want to buy it was {$23000.00} and would not work with me. I am now homeless and could use some help The Mortgage company is 21st Mortgage Corporation XXXX XXXX XXXX XXXX TN XXXX Phone is XXXX the Account number is XXXX Serial Number for the home is XXXX The Attorney that represented them is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX Thank you for your time.
Product: Credit reporting

I 've contacted Equifax in writing multiple times requesting a correction for wrong/inaccurate information reported on my credit report, they failed to investigate the item carefully or verify it and they did n't correct the item either, I have all the proofs to support my claim and shows their violation to compliance with the FCRA. 
the item remains as a negative derogatory on my report, it 's negatively effecting my personal and financial life big time. 

the item information is the following : XXXX XXXX XXXX vehicle loan paid off and closed in around XXXX XXXX the negative reporting is : 30 days ' late payment 3 times XXXX XXXX, XXXX & XXXX of XXXX ). 
the negative reporting is : 60 days ' late payment 2 times ( XXXX & XXXX of XXXX ) I 'm negatively very effected by this matter as a consumer and I 'm asking the Consumer Financial Protection Bureau to protect my rights as a consumer and to take full and strong action against this company striping our rights by reporting wrong inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion denied me a free credit report because I received on in the past 12. This is not accurate. The last report I got was XXXX XXXX 2016. I got my credit report no problem from the other 2 agencies.
Product: Credit reporting or other personal consumer reports

I have sent transunion more than several letters of the inaccurate and derogatory statements on my credit report Copyright laws my appelation is private and not to be used at all they are violating my human rights Copyright law, as defined in Title 17 of the United States Code, protects " original works of authorship fixed. XXXX XXXX XXXX is copyright 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

Fines for using my property, selling, trading, and marketing will cost each corporations {$1000.00} and or pay for arbitration! 
15 U.S. Code 1681n - Civil liability for willful noncompliance
Product: Credit reporting or other personal consumer reports

XXXX XXXX  on behalf of XXXX XXXX. 

Equifax has failed to remove XXXX XXXX  from my credit report. 

I submitted copies of the XXXX policy contract. I no longer own the vehicle. It was in the shop for months and was not being operated. It was eventually repossessed and charged off. I also contacted XXXX to cancel my policy. 

Legally, I am not obligated to maintain insurance on an inoperable vehicle or a vehicle I no longer own. Per XXXX 's contract, the insurance will automatically become null and void once ownership transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Equifax XXXX  XXXX  has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Product: Credit reporting

A collection agency XXXX XXXX is reporting false information on a debt I do not owe. I have proof that my insurance company paid this claim back in 2011. This collection agency is reporting false information.
Product: Credit card or prepaid card

New York and Company ( Commenity Bank ) has been charging me double finance charges each month. They are forcing me to close the account to keep from getting additional interest fees by paying the complete balance off in full. My total balance due is XXXX. I have made all payments on time with the exception of one payment 3-4 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma was telling me I was pre- approved for all this credit cards that Ive never even heard of the company and they tell me it will boost my credit score if I get a new credit card but there is deposit fees on these credit cards and they deny me after credit karma states i would be approved so it brings down my credit score because I applied and was denied. This has happened more than once as I am still trying to get my credit score up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CAPITAL ONE AUTO FINANCE account was paid/closed as of XX/XX/2018 and is still showing on my credit report today.
Product: Debt collection

I have tried to have a Charge Off removed because the information reported in the 3 bureaus is not correct, I have sent letters but I have not received any response answering the inconsistencies that were found.
Product: Debt collection

This company has obtained my information with my consent. Claiming that I owe them a debt and reporting on my consumer report. I have never done business with National Credit Systems. I have contacted this company several times asking for a complete audit trail of this account and how do I owe them? I have sent letters as well as certified letters since XXXX. They never respond! This account reporting to my consumer file is causing me a deep XXXX and is a Defamation of My Character. 

According to 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written intructions.
Product: Credit card or prepaid card

While paying for groceries at our local XXXX store the cashier asked if we would like a Walmart card we said no and she said we would get {$25.00} off our bill for signing up and we could cancel if we decided we did not want it.We were paying cash and spending close to {$200.00} so my husband said ok and started giving her the information she needed. I really did not want him to get it and told him but he was paying with his cash so I backed off. This is why I remember this incedent. So when he paid the cash he looked at the receipt and the {$25.00} discount was not on it. She said oh it will come off when we get the card on the next bill, he said that's if I use it, I signed up because I thought it come off this bill, so we left a little upset because we felted miss led. This was last summer I'm guessing around XXXX or XXXX, then forgetting about the incedent we got the Walmart card  and the statement in the mail and when he looked at he said how can we owe this when it just came in the mail? The bill was over a XXXX dollars and I said that's crazy I think they charged us what we paid cash for. No {$25.00} discount was on the statement. So he called them and they wanted proof and frankly never believed us. I started looking for the receipt and I must have thrown it out. So without that we don't have solid proof, so when we asked them for proof of our purchases all they said was they would check into it. From then on it seemed the burden was on as and frankly I feel they ripped us off and they have not shown us proof of purchases yet they say we are uncooperative. We do not want the card asked them to cancel it. They said after investigating they felt we still owed it. That is rediculus. How could we charge anything when it wasn't issued yet and where did the cash go - in someone's pocket. This is exactly why I hate credit cards. We do not owe this and XXXX has lost my affection and respect they are just another ripoff retailer.
Product: Debt collection

I continue to ask to not call. Not to mention she calls before XXXX XXXX. I am exhausted and beat up over it. I get it. Covid-19 has create a stress factor and I XXXX.
Product: Credit reporting or other personal consumer reports

My credit report from Transunion said that my XXXX XXXX  credit card was closed. I disputed this, as it is an open, active account. Their response was to delete the card entirely. My credit score dropped significantly because of this. I've contacted them numerous times to fix this, but after several months, it's still not taken care of. My latest attempt, the case was escalated, and I was told it would be resolved in XXXX business days. That was over XXXX weeks ago, still nothing.
Product: Student loan

I refinanced my loans at the end of XX/XX/2019. Payment in full for my loan with XXXX XXXX XXXX was sent by check from my new Lender. The check for XXXX was cashed on XX/XX/2019. On XX/XX/XXXX, I received a bill for my loan payment from XXXX XXXX XXXX. When I asked about the payment in full, they said they did not receive it. I sent a copy of the cleared check via email on XX/XX/2019. On XX/XX/2019 I contacted the company via email as I had still not heard anything back. I was told that they did not have an updated. On XX/XX/XXXX, I received another bill for the next payment. I called the company on XX/XX/XXXX and was told there was still no update, over two weeks after I had sent the copy of the cleared check. I have now had to make two additional payments on a loan that should have been paid off as of XX/XX/2019.
Product: Vehicle loan or lease

I wish to complain concerning the loan practices and repossession of my XXXX XXXX XXXX ( VALUE {$12000.00} ) by the above referenced company. 
In XX/XX/XXXX I took a {$4000.00} loan from Rapid Auto Loans. Within the first 60 days of taking the loan a forced place insurance was added making the payment go from XXXX a month to {$550.00}. In XX/XX/XXXX I went into the office in XXXX and demanded the insurance be dropped from the loan seeing I had been insured by XXXX XXXX Insurance for 30 years. ( XXXX XXXX made them additionally insured ) The secretary mentioned she would remove the insurance once the loan was paid up to which I did. Several months passed with me making approximately {$3600.00} of the loan. I had contacted Rapid on several occasions showing them my insurance and demanding they remove the front-loaded costs to the loan. Rapid Auto ignored my requests. 
In XX/XX/XXXX my XXXXyear-old father was in a car accident and I flew to Rhode Island on an emergency basis leaving my truck at my office. The vehicle was repossessed by Rapid AL stating then stating the balance with all costs was {$5200.00}. I did not have the money and I offered {$2500.00} cash then and {$2700.00}. with-in 60 days, Rapid AL refused the deal and auctioned my vehicle off. Rapid Auto Loan never removed the charges for insurance even thou they knew from day one the vehicle was insured. I believe this is a practice to illegally take vehicles from financially challenged individuals. I believe the practice also violates the statues and would like your agency to render an opinion on their practices. I can no longer obtain any information from this company as my loan was pulled from the internet. I can provide payments from my debit card. The ledger is with Rapid Auto Loan whose have been very discourteous toward complainant.
Product: Mortgage

Our mortgage company had paid our property taxes in full on XX/XX/XXXX for the XXXX tax year with money from our escrow. In XX/XX/XXXX they pulled out a second payment for what would have been the second half payment if we were paying in two installments. The county received the overpayment on XX/XX/XXXX and promptly returned it to the broker the mortgage company hires to send out payments. This money has never been returned to our account and it is 5 months later. They have raised the escrow amount on our payment every month by {$600.00} trying to compensate for this missing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I saw an ad that they could lower my interest rate. 

Gave them my information, and they put 2 hard inquiries on my report. One from XXXX XXXX XXXX and another Peoples Trust.

I try calling Rate Genius and they say to call the banks and then the banks say to call Rate Genius. Then Rate Genius said to call XXXX. XXXX  said to call Rate Genius and I explained to them I have and they advised I call you guys.
Product: Credit card or prepaid card

As I was doing a annual credit check going over my credit history to make sure that all information was accurate on my credit file I came up on a couple accounts that I did not recognize I proceeded to contact these companies however, they sent me fraud packets on several occasions that I needed to fill out and notarized I did so and paid my {$10.00} dollars only for them to keep asking me to send more info and notarized more papers yet not doing anything about the account but make me spend money .... My request is that they send me the proper verifiable documentation for these accounts so that I may review it, they have refused and the credit bureaus are verify the information as correct even tho this creditors cant provide me any documentation that I requested .... please contact them and either have them remove these account or forward me proper documentation that proves the account belongs to me not invoices but actual consumer original contract that I signed ... 

1.XXXX XXXX XXXX/ total card .... credit card Acct # :XXXX DATE OPENED XX/XX/2016 Credit limit : {$300.00} Address : XXXX XXXX XXXX XXXX, SD XXXX  XXXX Note : they have been the root of most of my issues 2. XXXX XXXX XXXX ... credit card Acct # :XXXX Credit limit {$500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX Note : disputed and ask they provide me proof they verified to the bureaus and sent me nothing :
Product: Credit reporting or other personal consumer reports

I noticed some incomplete and inaccurate information on my credit report.

By federal law, under Section 609 ( a ) ( 1 ) ( A ), they are required to verify any accounts you post on a credit report by physically verifying the original signed contract. A fraudulent account could be faxed, mailed, or emailed in by anyone paying for their reporting services.

Please provide me with verifiable proof ( i.e., an original consumer contract with my signature ) for the following account or they shall be removed immediately : XXXX In addition, I found an inquiry that was being reported that I did not authorize. Under 15 U.S. Code 1681e ( b ) accuracy of a report, whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

I am requesting that this inquiry is immediately removed. I have attached a screenshot for your convenience : XXXX XXXX XX/XX/year>
Product: Mortgage

We closed on a mortgage today XX/XX/year>. My XXXX applied for the loan. As the wife, XXXX mortgage assured me they were sending me documents to sign on the title. I emailed them asking for paperwork three times, and they never sent any paperwork what so ever. I feel my rights have been violated and XXXX obtained this mortgage fraudulently without my signature. 

Loan Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX