23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid my credit card on XXXX XXXX XXXX which is the card 's due date. Because I am located in Hawaii, apparently I was an hour late so they charged me a late fee. I then enrolled in automatic payments so this wouldn't happen again. Their automatic payment system didn't take its payment and now they're going to charge me another late fee. This is a scam of ongoing late fees. All I'm trying to do is pay my card on time and they keep charging me late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

FACT : Im submitting this complaint myself and there is no third party involved. CORELOGIC D/B/A SAFERENT has continuously placed a false public record on my consumer file that has had a detrimental impact on my livelihood. 

They are reporting an eviction on my credit when there is no public record to be found. SAFERENT claimed to do a reinvestigation dated XX/XX/XXXX but I have had my consumer report ran through several consumer reporting agencies dated XX/XX/XXXX and XX/XX/XXXX and they all confirm that there is no judgement or public record attached to XXXX XXXX ( Exhibit A & B ). 

In fact, XXXX, one of the consumer reporting agencies attached in my evidence used BOTH CORELOGIC and SAFERENT to validate MY consumer file which stated NO EVICTION OR PUBLIC RECORD FOUND, dating back to XX/XX/XXXX ( exhibit B third page ). 

They have clearly been violating my consumer rights for years, and continuously, knowingly, willingly. This has harmed my entire life and I am forced to hold SAFERENT AND CORELOGIC accountable and enforce the consumer protection Laws.
Product: Vehicle loan or lease

I was taken advantage of years ago. Now the vehicle is not working and the company does not value my complaint. 

It seems as the vehicle was a mechanical issue and needed a recall. I've been to XXXX and escalated the issue consistently only to be hung up and blamed for the problem. 

XXXX XXXX in XXXX refuses to acknowledge their lack of service after I paid for it. And they won't answer. 

I've tried XXXX brand center only for them to avoid all responsibilities. 

I didn't know what was wrong when I bought it. XXXX DID KNOW and they have been choosing to screw over a XXXXXXXX XXXX 

All they need to do is lease a working vehicle? It would be easier to pay for it if it actually works.
Product: Debt collection

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number listed on my report is the following : XXXX
Product: Debt collection

I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( PORTFOLIO RECOVERY ASSOCIATES ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( PORTFOLIO RECOVERY ASSOCIATES ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the State Bar Association and Professional Liability Fund for code of ethic 's violations.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.
Product: Bank account or service

I had a checking account with Wells Fargo that I closed over a year ago. I recently received a statement for the account indicating that the account was still open with a balance of XXXX cents and a service charge of {$10.00} due to the low balance. 
I called the customer service line and explained the situation. The representative asked for my password but I explained that I had closed the account of a year ago and that I did n't recall. Their response was that they would not be able to assist without the password and that I would need to visit a local branch for assistance. 
I explained that I did not need to discuss the account and that they should be able to clearly see the issue and resolve the matter without further discussion. I further explained that this was their problem and that I had neither the time nor the inclination to visit a bank branch to deal with what was clearly their error. They offered no further suggestions and reiterated that I would need to visit a local branch for further assistance.
Product: Credit reporting 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 Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX I made two payments of {$500.00} to XXXX XXXX XXXX  and was told I would not be 30 days past due when I made the two installments in a agreement I was so afraid I called back and was told again I wouldnt be delinquent reasoning being because Ive never been delinquent and thats important to me and to my credit score and my livelihood for my family and I. XXXX employees told me false information and reported it & made my credit drop XXXX points. Thats devastating. Then these three Credit credit bureaus XXXX Equifax, XXXX XXXX have reported false information and or reported ND instead of changing my report to current status and removing negative information. Please investigate all parties involved synchrony bank, Equifax, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Am a XXXX XXXX XXXX retiree that inquired about one specific vehicle on a used car lot XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. I did not sign a consent for credit to be run. I was verbally told by XXXX XXXX, salesperson, that I was already approved to buy the specific vehicle, which was a used XXXX XXXX XXXX. I specifically told this salesman to not apply for any kind of loan, but just use this approval. He agreed, said I was for sure approved and asked that I send 3 months of bank statements and proof of income. These were submitted online to him ( have kept emails ) and I was awaiting for finalization of deal on XX/XX/2022 for pickup no later than XXXX or XXXX ( substitute teach and working on XX/XX/XXXX ). I called on XX/XX/XXXX and was told by XXXX XXXX, that 'sorry, we sold car to someone else and forgot to call you '. I subsequently have been receiving XXXX to XXXX letters a week in the mail from multiple loan companies that XXXX XXXX XXXX took it upon themselves to apply to WITHOUT MY CONSENT. It is now XX/XX/2022, close to XXXX weeks after which XXXX XXXX apparently ran my credit on XX/XX/XXXX. XXXX, I contacted Credit Bureau XXXX XX/XX/XXXX and they put a 'fraud alert ' on my credit report. I called XXXX XXXX XXXX a little over a week ago and he not only did not apologize, but basically expressed that he did not care -- expressing that the XXXX loan letters for weeks on end is what they do, and did not care that I did not consent.
Product: Debt collection

I have never heard of this company and I have never applied for any financial assistance from them. I have filed a complaint with XXXX and XXXX. They did not report it to XXXX. I have been online researching this company and I read where they have tried to scam others out of money. Is there anything legally that can be done? 
Account info Account name VANCE & HUFFMAN LLC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$3700.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$3700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report by transunion in XXXX app shows that there two XXXX communications lines taken in my name but I have never used XXXX. Then I opened TransUnions site and created an account. They charged me {$20.00} just to see my credit report and file dispute but my credit report information does not come up on their website but one of thr addresses and phone numbers mentioned in their is not mine. It shows my name but the address is in XXXX whereas I am in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$6500.00}, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I paid this off and the XXXX XXXX came out of no were and it’s hurting my score and it needs to be took off so my scope can be fixed it’s was thru speedy cash
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a second mortgage loan originated by XXXX XXXX XXXX that was included in a bankruptcy filing in XXXX. XXXX XXXX XXXX subsequently sold/transferred that loan to Green Tree servicing company. The loan was discharged in bankruptcy in XXXX XXXX and account was closed by Green Tree. I received a letter from Green Tree at that time confirming that the loan was discharged in bankruptcy. 

Three years later in XXXX, Ditech ( which had merged with Green Tree ) began submitting false information to the credit bureaus stating that this loan was active and that I was " missing payments '' on four occasions, two months in XXXX and two months in XXXX. The loan number shown on the credit reports is the same loan number as the Green Tree mortgage loan. 

I have spoken to Ditech on the phone and they refuse to acknowledge or verify any of this information.
Product: Credit reporting or other personal consumer reports

I was simply checking my credit score and found multipal credit enquiry has been done in past which was not done from my end, more over there is two inactive credit cards account on my pan which is in deflated. Kindly check it and get it fixed as I have never applied the same.
Product: Student loan

Mathematica  lly, the best way to reduce the amount of interest I pay on my portfolio of loans is by paying the minimum balances on the lowest interest loans and allocating the rest of my payment to the highest interest loan. This is known as the " avalanche '' repayment method.
If you submit a monthly payment to Navient online that is larger than the minimum payment, Navient simply allocates the surplus evenly across the portfolio of loans. Anyone who understands the compounding interest formula will know that is the best way for Navient to maximize the amount of interest it collects from its users.
<P/>
Navient does not current  ly allow its users to utilize the avalanche repayment method through its online interface. The only way to do this is by physically mailing them a monthly check with handwritten instructions for payment allocations. In  XXXX , this is a pure evil.  <P/> I reached out to  Navient  about this in the fall of  XXXX , but they did not take my feedback seriously as the functionality is still not there for avalanche repayments online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has notified all three major credit reporting agencies that the bankruptcy thats being unlawfully reported needs to be removed immediately! Ive also called each reporting agency to notify them of this unlawful act and they all have refused to comply with the laws defined in the FCRA! XXXX, XXXX, and EXPERIAN are all civilly liable for violating my consumer rights pursuant 15 usc 1681n! They are violating my right to privacy pursuant 15 usc 1681. And neither have permissible purpose pursuant 15 usc 1681b.
Product: Checking or savings account

I have made several attempts in resolving this serious matter regarding this account and requesting documentation regarding this account, I have made several call in resolving the details of this checking account. After several calls and requesting for this account to be removed to indicate I had no knowledge of a new account being open in my name. I submitted documentation to verify my identity and still I got know response regarding the closed account to be verify. Never received notification why the account was closed. Also request documentation why the account is in block status and why the account can be requested for reoping.
Product: Mortgage

I have called the va they said I had to many repayments. But I fell down the steps at work and lost my job then corona hit and my husbands hours got cut. The va said the mortgage company can do a repay they refuse keep saying its on the va. Then the mortgage company never told me I could still just pay the back payment to get caught up then waited till I owed XXXX or more and said it was going to foreclosure they kee extended the loan and I am trying to catch up but XXXX is a lot to catch up to. My husbands hours are back to normal for now
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX of XXXXi I REQUEST that you Equifax Validate { not verify } this account XXXX of XXXX acct number you supplied on credit reportXXXX  on report XXXX Disc please enclose the following of you verification { 1 } who you spoke to { aLL associates you spoke what was said by both parties their contact information, any co workers you talked what was said by both parties their contact information { Phone numbers } address of original owner their contact information you Eqifax claim verified I need the information meaning of verified make sure or demonstrate that { something is true or justified LAW swear to or support { a statement by affidavit } Validation the action of checking or proving the validity or accuracy of something '' CFPB I have the right to this information you can not report PAST DUE on a closed account that is a violation CFPB this is me writing this
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time that I dispute this item with the credit bureaus, XXXX XXXX makes updates to my accounts resulting in a credit score drop of XXXX points or more. During my last dispute that illegally re-aged the account by changing the date of first delinquency resulting in a credit score drop and as of today they have changed my payment history to reflect serious delinquency resulting in my Equifax score dropping XXXX points. The account has been closed for over 2 years and sold over a year ago. Quite honestly, I'm sick of them and the petty games they play every time I exercise my right to challenge INACCURATE items on my credit report. Their actions are illegal and if I must keep enduring their attacks every time I challenge their INACCURATE reporting, I will have no other choice but to issue a notice of pending litigation seeking relief and monetary damages under the FCRA Section 616 & Section 617. 

On XX/XX/2019 I was 30 days late on a payment. They changed it to 60! How could I be 60 days behind when I was in good standing on time, the prior month? After XXXX, the subsequent months were then changed until i was " 120 '' days behind in XXXX. THIS IS FALSE REPORTING
Product: Debt collection

We are a small home owners association. We have a unit in which the owner has passed away. The family has also walked away due to the large amount of mortgage that was owed and the HOA fees. The Bank that the mortgage was obtained from is having nothing to do with this property. As a result we are in legal limbo. No one is paying the monthly HOA fees, no one is keeping up the property or even trying to sell it to recoup some money. In fact, the bank is forcing the HOA to sue them to collect the fees or do something with this property. This has caused financial hardship to the other owners and the HOA as we rely on the monthly fees for daily workings of the condo complex. In addition, we have had to spend extra money for lawyer fees in an attempt to recoup costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was able to fix the non reporting of my mortgage on XXXX and XXXX only. Currently Equifax still is not reporting my mortgage and this needs to be fixed quickly since my score has dropped due to this issue. Please help assist in assuring Equifax properly reports my mortgage.
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 XXXX XXXX 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

XXXX XXXX, Equifax and XXXX still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces XXXX XXXX, Equifax, and XXXX to legally validate said debts or delete them IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX -XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied XXXX XXXX which was requested )