23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Me and my granddaughter share an account at Navy Federal, I had to be out on the account because she was a minor at the time and they needed a joint signer so I signed up with her. We have this account opened for quite sometime, then one day I noticed the account was drained and I got a letter from Navy Fed telling me they will start taking money out of my other accounts if this is not paid. I spoke with them and found out an {$8000.00} check was deposited but we did not do this deposit. I disputed this with them and they said that I am held responsible. I also disputed the individual charges with Navy Federal and they keep claiming they never received my dispute documents even though I sent them twice. They also claim that they have video of the person doing this but they will not show me the video, or go after the person who did this. I have tried to subpoena the bank via the law enforcement officer I filed a police report with and even the officer will not help. We are a victim of fraud, we did not do these charges or deposit a bad check into the account. I need this resolved and my money given back.
Product: Debt collection

I keep getting calls from a Zenith Debt Management. They tell me to log into the Website to view my balance and make a payment but I don't know if they have a legitime claim to the debt or if they were working on behalf of my creditor. There is no place to dispute it, and when I close the page for that lack of information I get texts from them asking me why I didn't. 

At one point I told them I wasn't sure if the debt was legitimate, and they told me that because I verified my info to view the debt it was. Now because I couldn't verify the debt they're threatening legal action against me.
Product: Debt collection

I was the primary signature on a lease agreement for Apartment XXXX Unit XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO. The leasing company uses a number of company names ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
The signed lease agreement ended on XX/XX/XXXX. I met the obligation of giving 60 days ' notice to terminate the lease and all rent due on termination was paid by me. My son who was the secondary signature and the person living in the apartment, sought through verbal agreement, to extend his stay until XX/XX/XXXX. The lease agreement clearly states that management has no authority to amend the agreement unless it is in writing. When I became aware of the verbal agreement, I immediately informed the management in writing that I was not party to the extension and any rent due from XX/XX/XXXX to XX/XX/XXXX, was a matter between XXXX  XXXX XXXX and my son. My son did not meet the payment obligation. The Apartment Management, in turn, billed me for the outstanding rent of {$800.00}, and, when I refused to pay, they sent the debt to the collection agency, Columbia Debt Recovery LLC dba Genesis. Genesis reported my non-payment to the credit agencies, one of whom was XXXX, who in turn lowered my credit rating from XXXX to XXXX. 
I disputed the reduction with XXXX who in turn requested validation of the debt from ColumbiaXXXX XXXX XXXX XXXX 
I was asked to respond. to their submission. 
XXXX  XXXX XXXX, in one section of their submission, falsely reported that the lease agreement started on XX/XX/XXXX and ended on XX/XX/XXXX. Yet, in another section they provided a copy of the signed agreement which showed that the lease start date was XX/XX/XXXX, ending on XX/XX/XXXX. 
XXXX  XXXX XXXX management are trying to cover up the fact that they had broken the law in verbally amending the lease agreement. 
The matter is now under review by XXXX and the credit agencies.
Product: Debt collection

XXXX XXXX XXXX has deliberately avoided my debt validation letter for the debt accounts with their company. I have no way of knowing what and who this debt belongs to. Under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect the privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I understand that the HIPPA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide the original creditor name, address, and phone number -Please include a breakdown of fees including any, and all collection costs and medical charges. 
-Please provide a copy of my signature with the provider of service to release my medical information to you. 
-Immediately cease any credit bureau reporting until debt has been validated by me.

-Please provide proof of ownership to collect the alleged debt Furthermore, any reporting of the debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Product: Mortgage

The amount left on my loan for XXXX 2015 is XXXX. I made my mortgage payment for the month of XXXX 2015 in the amount of XXXX. That was suppose to be used for the monthly payment of XXXX and a EXTRA principal payment of XXXX to be applied towards the principal only, as I clearly stated on my monthly payment coupon and on the bottom of my check. [ # XXXX XXXX When I received XXXX 2015 payment in the mail the amount left on my loan was XXXX which was correct. I made Octobers payment [ check # XXXX XXXX in the amount XXXX, which was broke down as XXXX with a EXTRA principal payment of XXXX to be applied towards the principal only, as I clearly stated on my monthly payment coupon and on the bottom of my check. Now at this point when XXXX payment was made the amount of my loan should of dropped below XXXX. But on XXXX my account on XXXX website shows that my loan amount is XXXX and that same amount is shown on my XXXX 2015 payment coupon I received in the mail. THIS IS CLEARLY WRONG. On my XXXX statement it shows a XXXX amount and XXXX unapplied funds. My Account on line shows that my next payment is n't due until XXXX 2015, so it appears that Ocwen went into my account reversed my principal payment and applied it towards the following months mortgage. I have tried to settle this with Ocwen XXXX different occasions, on the first occasion they sent me a letter that makes no sense at all. In that letter they say that I " requested them to provide the payment option available on aforementioned loan and breakdown of each payment option. '' They still have not responded to my second request. Ocwen has also raised my interest rate from 3.87 % to 4.00 % I am not aware that the feds have raised interest rates as of yet.
Product: Debt collection

On I received paperwork from this law firm stating I had so many days to respond in order to set a hearing. These poets said I had to wait so many days to call. I followed the instructions and called after the waiting period, but before the deadline. When I called in I stated I was calling to figure out how to respond to some papers I received, because there was nothing attached for me to fill out and mail in. The person on the other line was a debt collector. She told me that me calling right now was responding, but instead of giving me option for dispute and to have a hearing, told me that a judgement was to be filed the following day, and that I was at risk for garnishment and legal actions. She told me we could set up payments to avoid that. And gave me my options. At no point was I given the opportunity to dispute or to have a hearing. Just threatened with legal action and garnishments. I proceeded to agree to the payments to avoid the judgment they were going to file against me. They then proceeded forward without notification that I did call in and respond within the allotted timeframe, so a judgement was granted. I called back to discuss this, I verified my information, and then handed the phone to my daughter to discuss for better understanding of what happened. The debt collector then yelled at us that it is illegal to pretend to be the debtee, and that she would need to speak with the debtee to move forward. When I literally just verified my information and handed over the phone. I confirmed who I was a second time and gave my daughter permission to speak. At that point the debt collector stated I was served, and that I called in within the allotted timeframe, but that we just set up payments in that call instead of being given option for dispute or hearing. I was fully misled and conned into agreeing to payments I can not afford because I wasnt given an option otherwise. My right to dispute was voided when this woman told me I had no choice but to establish payments to avoid legal consequences and garnishment. After which point they entered a judgement anyway and said I didnt attempt to respond. WHEN I DID! I requested to hear a recording of our first call and was told management could review it only and they would reach back out. I need to receive my right to dispute in court or this needs thrown out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has ruined my credit report by inaccurately reporting a closed auto loan on my Experian credit report. They inaccurately reported 90 days past due and 37 months in CHARGED OFF status which has completely ruined my otherwise perfect XXXX XXXX. I was sold a car that needed several repairs that I had no knowledge of and I still never missed a payment on that auto loan for account number XXXX. I voluntarily surrendered the vehicle which should have closed out that auto loan on my credit report with " voluntarily surrendered '' for the status. I currently have another open auto loan with XXXX XXXX XXXX that I have never missed a payment on. XXXX XXXX XXXX has violated my rights and grossly misreported a closed charged off auto loan onto my Experian credit report. I demand you remove this account from my credit report otherwise I will seek legal counsel. I have tried calling XXXX XXXX XXXX  customer service number and kept being put on hold leading to them just hanging up the phone on me. XXXX XXXX XXXX operates extremely inefficiently and does not do good business.
Product: Credit reporting or other personal consumer reports

I received a response on XXXX stating that XXXX didn't know if I was a part of the borrowers defense program and that the I formation i. My credit report is accurate and verified, which is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and sent over copies of the FTC identity theft report, the police report that was opened, a copy of my credit report with the items that were fraudulently reported highlighted. When submitted they immediately ( within 24 hours ) closed the items and did not remove stating that they were valid -- although it is clear that no investigation had occurred. Their website is designed such that it will not allow the user to submit documents such as police reports ( it conveniently times out when this option is selected ). I sent the documents in via registered mail, and they stated that the investigation still had not found anything wrong and that I needed to send in a police report, ftc report, etc ( the items which I had already sent in ). I called their customer service line and it was picked up by a help center in XXXX, and the representative indicated that the items received were not in the proper format -- but was unable to indicate what the correct format would be. These same documents were accepted by other credit reporting institutions and financial institutions as being substantially adequate to find in my favor in investigating the identity theft that I have been victim of.
Product: Debt collection

I entered a consumer credit transaction with CAPITAL ONE and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CAPITAL ONE claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CAPITAL ONE has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Student loan

I have contacted Mohela many times for the same issue back since XX/XX/XXXX. I called and spoke to XXXX different reps again today and I was hung up by XXXX of them. My IDR date has not been corrected as I was told that it would get corrected months ago. XX/XX/XXXX again and I was told that they have XXXX different IDR dates XXXX for XX/XX/XXXX and XX/XX/XXXX and the rep was not even sure why there were XXXX different dates listed. Both these dates are incorrect. I asked to speak to a Mohela supervisor since I keep getting the run around but I was told that I could not speak to a supervisor. I have a date of XX/XX/XXXX listed on Mohela website to recertify but is is incorrect because based on XXXX XXXX, my recertification would be pushed out by XXXX year because I fall under the date listed to not be required to recertify " earlierst you could be required to recertify is XX/XX/XXXX. I need for Mohela to follow XXXX guidelines and " push out my XXXX recertification date by XXXX year to XXXX as soon as possible. The date to recertify is approaching but agian it is incorrect, and I am not required to recertify until the year XXXX. The letter I have attached shows the guidelines to follow from XXXX webstite that recertifcation are not required and recertification would " be pushed out by XXXX year '' Mohela needs to be found accountable for reporting incorrect information and not correcting information as they have promised many times over the phone. This has caused me mental health issues. I ask that cfpb assit me and resolve this by contacting Mohela to immediately update my IDR recertification year to XXXX
Product: Credit reporting or other personal consumer reports

Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all three XXXX XXXX TransUnion for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX has violated my rights. 

I looked at my Transunion credit report on XXXX, XXXX 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Bank account or service

My tenant paid us the rent ( {$2400.00} ) at the counter of a branch of Bank of America on XXXX/XXXX/2016 and she withdrew {$1300.00} at the same time. Instead of withdrawing from her own account, the bank withdrew money from my account. Is it ridiculous? I texted her and she said it 's bank 's mistake. The bank will correct the mistake. However, Bank of America did not take any actions. It turned out my tenant 's husband went to another branch to deposit back {$1300.00} on XXXX/XXXX/2016. The bank never notified or apologized to us any alert for this unauthorized transaction. We found out by checking our account activities by ourselves. I went to the branch on XXXX/XXXX/2016 near my home to bring up the issue. They called that branch and the branch manager said she was busy and will do the research and get back to me. But she never responded. I am very upset that people can withdraw money from my account without my consent. In addition, BOA had very horrible attitude. They NEVER followed up on this serious mistake. It 's an unauthorized transaction.
Product: Credit reporting

There is a XXXX account in collections that I know nothing about. This is not my account. I disputed it, received a denial to remove it from Equifax. I then called Equifax and spoke with a person and I asked them what the phone number was, address, any info to connect it to the real me and they were unable/unwilling to offer any proof of connection of that account to me. They also have incorrect personal information, address, work info, and did NOT report a car loan that was paid in full, never late which helps my credit. This is Not Fair. They are corrupt. This is life altering information used against us and nothing we can do to make sure it 's accurate. Disputing does not work, talking to a human does not work. 

I do n't understand how this is Legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my car was stolen. I reported it stolen to the police & have been trying to obtain the police report since. I have let Santander and my gap insurance know this. XXXX has payed {$10000.00}, their portion toward the car. The gap insurance says that they need the police report to pay for the other {$4000.00} ; however, before I could get the police report the car was placed negatively on my credit. I have been trying to obtain a police report, but due to Covid, XXXX City Hall is closed. The gap insurance refuses to take the information to obtain the police report themselves.
Product: Debt collection

I 've been off work due to illness for the past 8 months no income at this present time.
Product: Checking or savings account

I was paid direct deposit from my employer. My funds were never deposited into my account. I contacted capital one bank and they stated they have a technical issue regarding a third party vendor that a lot of people were experiencing this issue. I was told it shall be resolved around XXXX or later in the afternoon. My funds were still not deposited into my account Friday and it is now Saturday XXXXXXXX XXXX XXXX and I am still missing my funds from my account after reviewing a paycheck from my employer Thursday. I did call and try to speak with someone Friday I was not able to get a live person and was on hold for hours after many attempts to call and get to speak with someone.
Product: Credit reporting or other personal consumer reports

I am in receipt of the letter dated XX/XX/2023 in response to my reinvestigation of the dispute ( s ) below. I am in disagreement with your decision. I requested you provide me the information you used to verify and validate these accounts. How can you decide if these accounts are accurate without an original contract with my signature? This account can not be validated in accordance with the Fair Debt Collections Practice Act. Also, this accounts could not be verified nor validated with XXXX, they deleted it from my credit report. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681.You have violated my consumer rights. 
According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX  XXXX  as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!