23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. 

Company name is : XXXX 's XXXX : Accelerated Financial {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Request for Immediate Removal and Deletion of Inaccurate Accounts Dear Sir/Madam, I am writing to formally request the immediate removal and deletion of the following accounts from my consumer report, as they have been inaccurately reported without proper notice or my consent. The relevant accounts are as follows : XXXX XXXX XXXX XXXX XXXX ** - *XXXX Account # : ** XXXX - **Experian Account # : ** XXXX - XXXX  Account # : ** XXXX XXXX Account Type : XXXX ( Credit Card ) - Balance : {$6400.00} - Status : XXXX  - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian & XXXX ) - Last Reported : XX/XX/XXXX ( XXXX XXXX Experian ), XX/XX/XXXX ( XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX : ** XXXX XXXX Account # : ** XXXX - **Experian Account # : ** XXXX - *XXXX  Account # : ** XXXX - Account Type : Collection - Balance : {$7100.00} - Status : XXXX - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian & XXXX ) - Last Reported : XX/XX/XXXX ( XXXX & Experian ), XX/XX/XXXX ( XXXX ) XXXX CO XXXX XXXX ** - *XXXX  Account # : ** XXXX - **Experian Account # : ** XXXX - XXXX  Account # : ** XXXX - Account Type : Installment ( Child/Family Support ) - Balance : {$1200.00} ( XXXX & Experian ), {$1200.00} ( XXXX ) - Status : XXXX - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian & XXXX ) - Last Reported : XX/XX/XXXX ( XXXX & Experian ), XX/XX/XXXX ( XXXX ) **SDA/Lublin : ** - **Equifax Account # : ** XXXX - Account Type : XXXX ( Rental Agreement ) - Balance : {$1000.00} - Status : XXXX XXXX XXXX  - Date XXXX : XX/XX/XXXX - Last Reported : XX/XX/XXXX None of the creditors or collection agencies provided proper notice within the specified time frame, nor did I instruct or give written consent to furnish any information on my consumer report. Additionally, re-aging accounts by updating dates is a violation of the FCRA Section 605 ( c ). 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e, 15 U.S.C. 1681b, 15 U.S.C. 1681 ( e ) ( b ), 15 U.S.C. 1681i, 15 U.S.C. 1681i ( 5 ) ( a ) ( i ), 15 U.S.C. 1692b, and 15 U.S.C. 1692c, I request that you take the following actions immediately : 1. Remove and delete the inaccurate accounts listed above. 
2. Provide detailed information regarding the steps taken to verify the validity of these alleged debts. 
3. Ensure that these accounts are permanently removed from my consumer report and notify me in writing once this has been completed. 

Please be advised that for every violation of my consumer rights under the FCRA, I shall be compensated up to {$1000.00} as stipulated by the law. Failure to comply with this request will result in further action. 

I appreciate your prompt attention to this matter and expect a response within XXXX  days. 

Sincerely,
Product: Debt collection

InXX/XX/XXXX I got a loan for {$800.00} from Ace Cash Express and fell on hard times and was unable to pay it back immediately. XX/XX/XXXX i received a call from who identified themselves as part of the XXXX County Court Clerk stating I was being sued for an unpaid debt and that I had been served twice at an address i no longer live at. I explained that i do not live there and have not been notified. He gave me a phone number to an attorney 's office where he said I would need to speak to my attorney to resolve the issue. I called the number and asked for some information and stated I would like to verify the legitimacy since I have been scammed before and she stated that she isnt playing these games and that i need to pay 60 % today and my debt can be wiped clean and i wont have to go to court or else it will be on all background checks that are done and then hung up on me. I called the county clerk office back and spoke to a woman who looked my information up and stated that the county clerk office does not call anyone and that I did not have any open cases or judgements against me.
Product: Debt collection

When i got married, i was with XXXX, and my soon to be husband was with XXXX. I was planning to switch to his plan, so i called XXXX to see when my contract was up, to which they replied " Your contract has been up for several weeks. we 've just put you on a month to month plan. '' So, in XXXX of 2012, i switched to XXXX. I paid my final full bill with XXXX and started paying for XXXX. Now i owe XXXX {$180.00}? After paying my last bill in full, and not having a cancellation fee? I feel as though i am being very wrongfully charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collections is reporting 4 collections on my credit despite a full payment. They informed me that they will delete the accounts from my credit and yet they havent deleed the accounts as of yet. Please see attached a confirmation of payment, and remove these account from my credit as promised
Product: Checking or savings account

I am submitting a formal complaint against Navy Federal Credit Union regarding several overdraft fees that have been applied to my account. Despite having sufficient funds at the time transactions were authorized, I was charged fees due to delays in the posting of charges and credits. This issue appears to align with recent findings from the CFPB, which raised concerns about similar practices at Navy Federal, where transactions were settled with insufficient balances despite funds being available initially. I believe these practices are unfair and request a thorough investigation into my account activity.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exist
Product: Debt collection

I filed a complaint against Scott & Associates and they hired/ moved the account ( for which I have no knowledge of ) to XXXX XXXX XXXX. I called the number in the letter received XX/XX/XXXX and they stated that they knew there was a cease and desist, but I could revoke it verbally. This debt is not mine. I have no knowledge of this debt and I am being harassed by mail. Please assist with making this stop.
Product: Debt collection

I have contacted this company directly, American Capital Enterprise, in XX/XX/2022 to remove this collection debt of {$690.00} for XXXX XXXX XXXX XXXX, and they obliged. Then a week later it was back up on XXXX, which I contested and XXXX decided in my favor on XX/XX/2022 ; disputed id XXXX. They put it back up on the same day for the 3rd time and XXXX won't let me dispute it again since it had already been decided on? It was decided in my favor so I don't understand. Not only did I pay this amount, the debt collector never sent any notice, never made any contact. When I originally contacted them, they still never sent an overview. I have USPS service where I can see what mail is coming in so there's no way I missed it.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022
Product: Debt collection

This company has been mailing relatives about a debt that they are claiming I owe, that is in dispute with the original creditor. They have mailed a print out of this alleged debt to my EX HUSBAND and to my SISTER. They are aware of my address and there is absolutely no reason for them to be sending these letters to anyone other than myself. I am completely embarrassed and to make matters worse, I DO NOT OWE THIS DEBT TO THEM OR TO THE ORIGINAL CREDITOR THAT THEY CLAIM. 

This debt collection company has been threatening legal action against me for a debt that IS NOT MINE. They have called me, harassed me and now they are sending letters to relatives and my ex husband. They have continued to say that I owe a debt that I HAVE NEVER SIGNED FOR. This company has continuously violated my rights and their practices go against the Fair Debt Collection Practices Act. I am requesting for removal of this account from my credit report IMMEDIATELY and for this company to CEASE AND DESIST all communication and collection efforts on this account.
Product: Vehicle loan or lease

Back in XX/XX/XXXX XXXX XXXX XXXX put through two fraudulent Auto loans in my name. One through Navy Federal Credit Union ( approx. {$38000.00} ) and one through XXXX ( approx. {$50000.00} ). I informed both companies that I did not I did not consent to these loans. I have fought this since XX/XX/XXXX and in 2016 Both owners of XXXX XXXX XXXX were convicted of fraud and forgery amongst other charges. Finally in XX/XX/XXXXXXXX has evaluated ALL of the evidence from me and from the Delaware Department Of Justice and agreed to remove the fraudulent XXXX loan but Navy Federal will not properly Investigate this. I have attached the letter from Delaware Department of Justice that was sent to XXXX.
Product: Mortgage

Please see the attached detailed letter with all dates, comments, etc. This complaint concerns Mr. XXXX XXXX, Nationwide Mortgage Bankers Inc., NMLS number XXXX. He should never be permitted to engage in brokerage services.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I have noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized items must be removed. I do not recognize any of these inquires and I am unsure why they are there.
Product: Credit card or prepaid card

I've seen no changes for the accounts that I have filed last month, I still see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 card

lvnv funding has a collection against me that is past the statue of limitations and also has not responded to my request for a debt validation letter
Product: Credit card or prepaid card

XXXX XXXX Citibank proceeded to decrease my credit limit. Reason not explained. Only explanation was they reviewed my credit report and used that information to re-evaluate my credit. I paid my credit down to be in good standing. Now it jeopardizes my credit rating as it puts me in a high credit usage standing. It creates an adverse credit score. I believe this was done on purpose to keep me in a high credit usage standing and provide an adverse credit score. This is not a good time for actions on XXXX  and for a COVID induced economy. Creditors should be grateful for people like me that have a job and havent missed payments and make payments. But then get penalized for a day late payment. Unfair practices. Its all run by a computer anyways ; there is no people involvement. Ive called the touchtone system to a series of just menu options. No human interaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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

I am having this issue with transunion refusing to update the XXXX account that was discharged in bankruptcy on XXXX/XXXX/15. The dates as you can see are wrong as well as the account status that states - closed - derogatory. There is also a high balance showing of {$14000.00} which is supposed to be {$0.00}. This account should show {$0.00}, discharged in bankruptcy. It is misreporting and I have spoken with this credit bureau more than once in the past two weeks yet they continue to repeatedly tell me that it is supposed to report as derogatory when it is discharged in bankruptcy however this is not what I read the federal law to state. This misreporting of this account on my credit is causing me to not be able to obtain credit and has hindered me for over two years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like accounts and removed and updated report
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DEPT OF EDUCATION IS REPORTING 2-3 LOANS PER BUREAU ON THE BIG 3 CREDIT BUREAUS. ( acct no. 's XXXX ) ALL ARE INCONSISTENT BETWEEN THE 3.ALL ARE INACCURATE.ALL ARE REPEATEDLY VERIFIED AS CORRECT BY ALL THREE BUREAUS.THE BUREAUS ARE RESPONSIBLE AND FINANCIALLY LIABLE TO ME FOR 100 'S OF THOUSANDS OF DOLLARS IN CREDIT DAMAGE ( which i will sue for, if not remedied ) .THE BUREAUS ARE AWARE THAT 2ND IN COMMAND, OUTGOING COO OF THE DEPT OF ED SAYS " THE STUDENT LOANS ARE AN ABOMINATION.THAT THE DEPT OF ED IS THE LARGEST MOST IRRESPONSIBLE CREDITOR IN THE UNITED STATES.THAT THE DEPT OF ED GETS 5000000 REQUESTS FOR CREDIT CORRECTION PER MONTH AND THAT MOST ARE INACCURATE. '' ALL 3 OF MY LOANS WERE NEGATIVE, NOT CURRENT, NOT BROUGHT CURRENT AND REPORTING NEGATIVELY FOR MORE THAN 7 YEARS IN DEFAULT, LAST PAYMENT MADE XXXX XXXX MONTHS AGO I BEGAN WORKING WITH THE DEPT BUT PRIOR NONE OF THESE LOANS HAD A LEGAL RIGHT TO REPORT ACCORDING TO THE 7 YEAR STATUTE OF LIMITATIONS IN THE FCRA. 
I HAVE ATTACHED THE COO INTERVIEW, YOU CAN FIND HIS LIVE AUDIO ONLINE WITH HIS XX/XX/2019 ABANDONMENT OF THE DEPT OF EDUCATION. 
ALL BUREAUS ARE LIABLE BECAUSE THEY KNOW THAT THE DEPT OF EDUCATION IS REPORTING AND VERIFYING FRAUDULENTLY TODAY AND ON A REGULAR BASIS.
Product: Credit card

We 've had a Synchrony XXXX account for three years. In XXXX of 2014 we moved to XXXX and had to change our bank from a local credit union to XXXX Bank. We changed our payment info online with the credit card company and the payments were withdrawing from our XXXX bank every month for the next year with no problems. In XXXX of this year, we got a letter saying that our XXXX payment had been returned because of insufficient funds at our bank, we were now delinquent in our payments to Synchrony and they had cancelled our account. According to our XXXX bank statements, we had over {$6000.00} in our bank account, and according to Synchrony, a roughly {$100.00} payment was being rejected. Bear in mind, there was no returned or rejected items showing on our checking account. We went into the Synchrony account to make sure nothing had happened to the auto-payment, and it was fine. This month, they have done it again. On the phone, they said that they started to charge our old credit union account from over a year ago, despite the fact that it was deleted from their system when we moved, updated to the new bank and charged automatically each month since then ( with the exception of the past two inexplicable months ). This is hurting our credit, no one is willing to help and reverse what they have done. 

We do n't know why, after a year of auto-payments, the credit card company suddenly changed the auto-pay to a bank account that 's been closed for over a year.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have accrued. Despite having sufficient when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings agains 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

I have contacted XXXX XXXX ( inquiry XX/XX/XXXX ), Experian Business Credit ( XX/XX/XXXX ), and XXXX. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Product: Checking or savings account

On or about XX/XX/2021 the bank received a wire deposit of {$2400.00}. 
On or about XX/XX/XXXX, they also received a wire transfer of $ XXXX from my account at XXXX XXXX . 
After calling the bank to find out why the account was blocked from online access. I called and spoke with fraud and security in the name of a representative named " XXXX ''. 
She told me because of a business decision, the account was marked for closure. I for further details, and was told that the deposits were sent in the name of someone else, and it was a business decision to close my account. This can not be true, as the wire confirmation shows my name. I requested that the deposits be sent back to their original accounts of origin. The problem with this is that XXXX XXXX  charges {$5500.00} to return the funds to my account there. XXXX XXXX Bank should return the funds as a course of closing the account, and issue to me final savings statement. But, they have closed the account, and denied access to me to look at the final statement.
Product: Money transfer, virtual currency, or money service

This morning I woke up to a notice that I had received a payment from someone via Paypal in the amount of {$4500.00}. While this payment was due, the payor was not authorized to make the payment to me via Paypal, and as such, the moment I saw the payment, I immediately refunded the full {$4500.00} to the person that had paid me. 

However, PayPal is charging ME a fee of {$130.00} for the {$4500.00} payment, which again, has been refunded. 

I submitted a request for Paypal to refund the fee, and they replied that their policy is to deny all fee refunds as of 2019. This is dumbfounding ; how in the world can they possibly charge one customer an exorbitant fee for another customer 's error??? 

As I've said, I've returned this person 's {$4500.00} ; all I want is the {$130.00} back -- which as far as I'm concerned PayPal stole from my account. I did not authorize or request this payment, I do not sell any goods or services on XXXX  or via Paypal at all. This fee should be refunded. 

Thank you for your help with this matter.
Product: Money transfer, virtual currency, or money service

This is regarding TransferWise now XXXX. 

After 5 years of having an active account in good standing and with funds in multiple currencies, my account was suddenly closed because of a security breach on their end ( since they changed their name and website/app to XXXX ), my money is not being returned ( more than {$5000.00} USD in Dollars and two other currencies ) and no one from customer support is able to offer any insight or resolution into this. I've checked multiple times with my bank and there have been no refunds to my checkings account from XXXX. 

I've been dealing with this issue for almost a month now. All they have said is to open a new account and enter again all info I had on my former account. Regarding my funds, they have no idea of how much it was nor account statements, and their team only says that " it should be refunded to my bank account '' emphasis on " it should '' but they don't tell me how much or when.
Product: Debt collection

XX/XX/2021 i was contacted for the third time from this company. As a consumer my right to privacy has been violated as Ive never given this 3rd party company my phone number to harass me or my address to also do so by sending mail. This was done without my consent
Product: Debt collection

I recently discovered a debt from a collections agency when I went to check my credit score. This agency has had two bills from me for a full year and they have never once made any effort to contact me to say that the money was owed. ( I also never even got the bill from the hospital in the first place ) This has absolutely DESTROYED my credit rating.