23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/scrub>XXXX XXXX XXXX  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 generallf, 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

1. CXXXX  open : XX/XX/XXXX XX/XX/XXXX XXXX Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

2. XXXX XXXX : XXXX, XXXX XX/XX/XXXX XXXX Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

3. XXXX XXXX : XXXX XXXX, XXXX XXXX lat payments ( XX/XX/XXXX ) Late Accurate, ( XX/XX/XXXX, XX/XX/XXXX ) inaccurate I was never late XXXX times i admit, i was late on XX/XX/XXXX but only XXXX days it wasn't XXXX days late. Please correct these items and update them. 

Unauthorized collection/ Unverified account Pursuant to 18 USC 8, Owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 usc 1681b 2. The company has also NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. Here are the list below : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00}. I asked for documents but nothing was presented. This is a violation under 15 usc 1681 i want documents ink with my name sign.
Product: Debt collection

A debt collector called me 4 times in a row and continued to hassle and threaten me. Demeaning my own dignity and respect, using condescending language and tone.
Product: Credit reporting or other personal consumer reports

-- Transunion -- These two illegal collections are fraudulent and they need to be removed off my report. These two accounts are illegal and I've finally hired a credit XXXX to remove these fraudulent items. Please remove these items off my credit report! All of these accounts have been removed off my XXXX report and XXXX report. These are the last XXXX illegal items on my transunion report. Please remove these illegal collections off my report! 

XXXX XXXX XXXX  XXXX {$150.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$57.00} Date Opened XX/XX/XXXX **Inquiries** These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit XXXX. Please remove all these illegal/fraudulent inquiries off my credit report. I never once authorized these illegal inquiries! 

XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 2024
Product: Debt collection

Because I continue to get repeated calls ( usually starting around XXXX & repeated every 2 hours ) up to 5 times a day, EVERYDAY, from Chase Auto Finance stating that I am 2 months past due, I have blocked several of their numbers & kept notices in my phone as evidence of the many, many harassing calls. 
After speaking with several representatives over several months in an attempt to correct the billing dispute informing them that I have my records ( money order receipts/bank statements & their own contradicting statements ) verifying my account to be current, the calls continue. I have a copy of my payment history from them showing where I 've made as much as 2 or 3 payments in one month to rectify this. NOTHING. 
Another issue is that I am also receiving ( conflicting ) statements from Chase & XXXX XXXX XXXX ( who I originally sent payments to ) & problems did n't start until Chase apparently took over. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on my statement. 
I 've also received letters from Chase threatening REPOSSESION due to Contract Default.??? ( REALLY ) The agents said it 's computer generated but I told them that humans control the input & do n't understand why it 's taken so long to update my account & get this corrected. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on mm statement. 

DATES & TIMES OF CALLS : XXXX XXXX, XXXX First started XXXX XXXX, XXXX.. 
XXXX XXXX, I CALLED BOTH COMPANIES attempting to get bill corrections. 

CALLS STARTED AGAIN & CONTINUES : XXXX XXXX, XXXX XXXX.. 
XXXX XXXX, XXXX ( TWO REPEATED CALLS ) .. 
XXXX XXXX, XXXX XXXX & XXXX XXXX.. 
XXXX. XXXX, 5 CALLS ... 
XXXX. XXXX, XXXX.. 
XXXX XXXX, ( 3 CALLS ) ; XXXX, XXXX & XXXX XXXX ... 
XXXX XXXX, ( 3 CALLS ) Last XXXX at XXXX ... 
XXXX XXXX, ( 4 CALLS ) ; 2 @ XXXX, XXXX, XXXX ... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX @ XXXX XXXX ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX, XXXX ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS so far already ) XXXX, XXXX, XXXX, XXXX ....
Product: Student loan

I have been paying navient for what feels like forever, I believe its been 5-7 years I have been baying and due to financial struggles I had no choice but to put in forbearance here and there. However, I have been paying but my loan is not budging not going down at all, honestly it feels like it increased, I only borrowed less than 5000 and still after years of paying its only at 4700 something, its not right. Im a single mother and Im trying to pay what I can but im getting no where. I know paying XXXX dollars does n't for 7 years means its paid off by any means but XXXX dollars for a few years should have definitely brought my total down to at least 3000 if not a little less.
Product: Checking or savings account

I have had Navy Federal Credit Union for a long time. I have been charged overdraft fees and other fees that I believe that is not far. I bought it to there attention requesting for the information concerning the fees and got nothing. If you look into the history you will be able to confirm.
Product: Debt collection

IC SYSTEM is claiming that I owe them {$550.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts XXXX XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX XXXX Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information.

2. A description of the procedure used to verify the information.

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report.

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation.

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ).

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

My name is XXXX XXXX, I am writing you because it has been brought to my attention that you are listed as the collection agency for an account I am not familiar with. This negative information is being reported to the credit bureaus and severely impacting my ability to purchase a home. 

The account you are attempting to collect is a school related debt and I did not attend any post secondary education during the time in which you are reporting the account as originating. So that means only a few things, either you have intentionally re aged this account to cause more damage to my credit report, the information you are reporting is inaccurate, or it does not belong to me. 

It is my strong concern that I may not actually be financially responsible for this debt.For my recordkeeping, please provide a copies of original statements showing how the balance was accrued. Additionally, please provide copies of the original contract showing that I am financially responsible for the debt. I am a previous victim of identity theft and have had my information compromised in a data breach. I would like to verify that the documents bare my actual signature and not a forged one. 

In relation to being a previous victim of fraud, I find it most concerning that your agency is not licensed to collect debt in the state of Nebraska, making your attempts and credit reporting illegal and punishable by fines and criminal penalty.
Product: Money transfer, virtual currency, or money service

On XXXX, I noticed that my positions in XXXX and XXXX were liquidated without my consent. This action was taken by the company to cover an account deficit without providing me with prior notification or an opportunity to address the issue. I had previously contacted the company to inquire about the reason for the deficit and the possibility of resolving it seamlessly, but I did not receive satisfactory information or assistance. Despite my efforts to communicate with the company, my concerns were not adequately addressed, and I experienced financial losses as a result of the unauthorized liquidation of my positions.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Debt collection

My ex received a phone call in early XXXX but he did not take down any names or numbers. My mother was contacted late XXXX and took down a phone number and a case number. I contacted XXXX on XXXX XXXX, and I spoke with XXXX XXXX who said she was part of a law firm named " XXXX XXXX. '' She stated I had a debt with US Bank from XXXX and if I did n't make a settlement of a one time payment of {$950.00} or 11 month payments that would total {$1500.00} that they would take me to court, garnish my wages, freeze my bank accounts and add any additional fees of court costs/lawyer fees. She stated the would send me some invoice in the mail and that I 'd need to return it. I never received anything and called again on XXXX, I asked where it was and she said they normally e-mail these documents. She then sent me an e-mail via docusign with her administrators name on it, " XXXX XXXX. '' It was a time sensitive document. After looking into this online and feeling skeptical of this caller I called on XXXX and asked for a " validation letter, '' she stated that the e-mail was a legal form of validation and if I do not comply they will take me to court. Now I am just waiting for a subpoena if this is actually something legitimate.
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 delayed 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. These practices are unfair and Im requesting investigation into my accounts transactions.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  XXXX Balance : {$6000.00}.
Product: Money transfer, virtual currency, or money service

This company does not have any agents for discrepancies.
Product: Credit card

A payment was made to my credit card account with PNC Bank on the due date of XXXX. The payment confirmation indicated the payment time and date and a confirmation number. The company placed a late fee of {$27.00} on that same date and my payment has not been accredited to my account. Upon contacting the customer service department, I was told that since my payment was made from a " third party company '' ( I do not know what this means as the payment was done on the PNC online web service ), it would take a full day to have the payment appear on my account. I advised them that I had a confirmation number from PNC Bank that included the date and time on which it was made and she said that it " didn't make a difference ''. That I probably made the payment " late in the day ''. I said it was made at XXXX XXXX  Central Time and that their confirmation page indicated that even if I made it before Midnight of that day, it would be accredited accordingly. After several other excuses and firm dialogue, she hung up the phone. I believe that PNC Bank is improperly and unjustly applying late fees on their customer 's accounts and should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX XXXX account with a balance still owing, but this debt was dismissed without prejudice in court. I filed proof of this document from the court, but they are still reporting it with a balance due. It should not be reported at all and not with a balance owing. I will attach copies of documents if I can here to this complaint. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm writing once again because once again my inquires were n't removed off my report. I did n't authorize for my credit to be ran and I want these inquires removed immediately. I feel like I 'm getting the run around and I 'm tired of it. I also placed a fraud alert on my credit because of this matter.      XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  and  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
Product: Credit card or prepaid card

It starts with a trip to XXXX in XX/XX/2019, I used my card to charge for an entrance fee of {$24.00}, After that, I had been waiting for the bill which never came. The credit card sent me bill on line, and I could not open it. Then they called but I asked them to send me statement on paper. By the time they sent me the bill, it had late fee and interest on it. I called and got the agreement to pay the principal, and they would erase the fee. The payment of {$24.00} was from my checking, on XX/XX/2019, confirmation XXXX. After this, they kept calling me again for the late charge and interest, until now the amount became {$320.00}, and it has been sold to Calvary SPV I, LLC, which consists of {$24.00} of principal, {$26.00} in interest, and {$270.00} in fees. Today I receive call and mails from Cavalry SPV I , LLC asking me to pay for this debt. 
Please help me to clear this issue, and let me know the process that I have to follow to fight for this unfair business practice.
Product: Credit card or prepaid card

XXXX XXXX 2017 an IVR money transfer of XXXX XXXX dollars. I called the Office of the inspector general asking what an IVR money transfer is. they did n't know. I tried filing with the company before calling the Inspector General for the federal Reserve, Direct express XXXX by Coamerica bank. Nine times when I called they transferred me to a dispute supervisor and after identifying me, he or she in some cases would transfer me again. But they would hangup and I received a dial tone. Happened again today, but the second time I called I wanted the level two person and finally was able to file my claim against the IVR money transfer. I spoke with a lawyer and she read their contract and it needs to be changed because they could not tell me where the money was transferred to. And in that case the money should be returned within ten days. Now it is as they have stated gon na be forty-five days.
Product: Debt collection

In late  XXXX    XXXX  , I received a phone call from  XXXX   XXXX  of  Prince, Parker, and Associates,  a collection agency, stating that  XXXX   XXXX   XXXX  had referred my account to them for collection. I informed  XXXX   XXXX  that I had been working with  XXXX   XXXX   XXXX  to resolve the bill in question, because they had confirmed it as being inaccurate.  XXXX   XXXX  insisted that if I did not provide payment withi n 4 hou rs, she would make negative remarks to my credit file. I told her I would not pay a bill that has been acknowledged as invalid by the creditor, and that I would get back to her once I spoke with  XXXX   XXXX   XXXX . I then called  XXXX   XXXX   XXXX  customer service again in an attempt to resolve both the billing issue and the collection activity.  XXXX   XXXX   XXXX  opened a dispute case and advised me to provide the case number to the collection agency, indicating that it would stop any further action until  XXXX   XXXX   XXXX  was able to resolve the billing problem. I called  XXXX   XXXX  back and left the information Id received from  XXXX   XXXX   XXXX , including the case number, on her voicemail, and asked her to call me back if she had any further questions or required any additional information. The following week,  XXXX   XXXX  called me again, stating that I needed to make payment arrangements immediately or negative action would be taken against my credit. I reminded her of the  XXXX   XXXX   XXXX  case number that I had left on her voicemail the previous week and inquired if there was a problem with that information.  XXXX   XXXX  indicated that she had not listened to her voicemail, that the case number was meaningless, and she would only accept direct communication from  XXXX   XXXX   XXXX  to cease collection activity. I called  XXXX   XXXX   XXXX  customer service again to let them know that she would not accept their case number and inquire about the next steps to resolve this action, but no one was able to assist. As of todays date,  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX  has not resolved the billing issue and  XXXX   XXXX  continues to call with threats of negative credit remarks and further action if I refuse to pay the invalid bill. In each communication with  XXXX   XXXX , she is belligerent, inattentive, and degrading. She refuses to listen to the issue at hand and speaks to me as though I am something less than human.
Product: Debt collection

I was contacted by Shepherd Outsourcing ( XXXX XXXX XXXX, XXXX, SC XXXX ) ( XXXX ) with a letter dated XX/XX/XXXX saying that they were trying to collect a debt for {$2200.00} reference # XXXX for XXXX XXXX XXXX, XXXX, listing them as the current creditor and providing a reference # of XXXX. The original creditor was listed as XXXX XXXX  with a original account # ending in XXXX. I have never heard of nor from either of these two businesses. I contacted them through certified mail requesting validation of debt and stating that had never dealt with either company and did not owe this money. It was received on XX/XX/XXXX. I received communication from them dated XX/XX/XXXX providing me with a bill of sale for the naming XXXX XXXX XXXX XXXX as [ XXXX XXXX ] [ XXXX  ] on behalf of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as the buyer of the loan Shepherd was trying to collect. It also provided me with a delinquent payment schedule with monthly payment amount of {$130.00} that I have never made from any of my bank accounts. I wrote back, sending that communication via certified mail which was received on XX/XX/XXXX stating that the debt that they were trying to collect was not mine. I also requested them to verify the Social Security Number and the birth date of the person who signed the contract and asked for the signature as well. I never heard back from Shepherd Outsourcing. I just found out that their reaction to this request was to sell that debt to another debt collector, XXXX XXXX XXXX XXXX XXXX . who is now trying to collect the debt from me. I've conducted all of my communication through certified mail and it is getting both expensive and frustrating. I would like to not be contacted for this debt again. It is not my debt. I can prove it with bank records, but easier than this, they could have ruled out my involvement in this debt with the verification of the Social Security number and or the birth date from the original loan application, however, failed to do so.