23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Last week I contacted Goldman Sachs in regards to my Apple Card. They had closed my account stating that I violated terms. The truth is I have never used the card except for financing two phones : My daughters XXXX XXXX, which was paid off early in XXXX, and my new XXXX XXXX XXXX. I had opened a dispute with the credit bureaus because Goldman Sachs was reporting a higher balance than what I owed. The issue I am having right now is trying to pay off the balance on my XXXX XXXX XXXX early. When I attempt to make a payment it shows I owe XXXX dollars on my account. When chatting with representatives and calling over the phone, I am met with the same response that they can not take payment because my account shows a XXXX balance. On XX/XX/year>, it finally allowed me to make a payment, but only for {$54.00}, not for the full balance owed. I would like to make a larger payment or pay off the balance entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted TransUnion several times about providing proof that this debt is mine as required by the FCRA. They continue to fail to do so.
Product: Consumer Loan

1. On XX/XX/2016 I made a prepayment of {$1000.00} to cover the XXXX, XXXX, XXXX and partial XXXX payments. On XX/XX/2016 a {$200.00} collection fee was taken out of my prepayment funds without consent and/or notification. That caused my prepayment amount to drop and owe {$24.00} for the month of XXXX. I spoke with a representative who advised that was done against company policy and it would be corrected immediately. However, it has not been corrected and now I owe. 
2. This company is reporting INCORRECTLY to the Credit Bureaus and it 's negatively affecting me. My balance should be {$10.00}, XXXX but is being reported as {$14.00}, XXXX. I 've made several attempts to have this information corrected but to no avail. 
Please see attached documents.
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. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I looked at my EXPERIAN credit report on XX/XX/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 supposed 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.

According to 15 USC 1681s-2 they are supposed 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 inaccuracy.
Product: Vehicle loan or lease

I called VW Credit, spoke with XXXX mitigation, lender department in XX/XX/XXXX to explain I could no longer afford to pay for the XXXX XXXX XXXX XXXX  that I wish I could, that I was going through hardship, my job ended, financial crisis, unforeseen family legal situation concerning my daugther moving in with me after her moms passing. He was willing to work with me to get caught up on my payments, so that I could stay in the vehicle. He gave me another XXXX XXXX XXXX  to see if I could borrow the money. He said ok if you cant borrow by XXXX, XXXX, XXXX I could voluntarily surrender the vehicle. I said I would to the VW XXXX dealership where I purchased it. I voluntarily surrender the vehicle the agreed date to the finance manger who XXXX who processed the paperwork at purchase. I then called the VW Credit mitigation department the same day to tell them I surrender the vehicle. A representative said XXXX wasn't available that I could leave the information with him. A month after I turned the vehicle in to VW dealership a wrecker truck came to my house looking for the vehicle. We told him its been surrender a month ago. I received a letter from VW Credit , INC recovery dated XXXX XXXX. I received it in the mail XX/XX/XXXX. Their is no proof of auction sale etc.
Product: Debt collection

I received a call from XXXX stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Mortgage

Nationstar Mortgage LLC, dba Mr. Cooper, XXXX XXXX XXXX XXXX, XXXX TX XXXX sent me an incorrect form XXXX for tax year 2018. Box 5 Mip states {$540.00} which is incorrect It should be {$1100.00} which is confirmed in my escrow statement. Customer service agreed with me. 
I received the form XXXX on XXXX and I called Nationwide on XXXX Cooper sent me RESPA notice of 45 days to respond. It is now past 45 days and I want action as I need to file tax returns. Cooper has slowed walked my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is hard inquiries on all three credit accounts I dispute with the companies on the report they tell all three credit reporters I have no loans or inquiries from them they tell me and the company 's they dont care, and do nothing then they blocked me from writing calling or accessing my online account for the credit reporting agencies blocked me so cant do nothing thats what they do when you file a complaint on them. so I cant dispute law shows they cant report.
Product: Debt collection

I sent Springleaf financial a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$7900.00}
Product: Credit reporting or other personal consumer reports

Today, I saw false accounts listed on my credit report, and I have no clue why they are there. I checked my credit report as I usually do, but this time there were unexpected errors. I tried refreshing the page to see if it was a temporary issue, but the incorrect accounts remained. Because of this, Im requesting a detailed review of the documents Ive provided to ensure this doesnt happen again.
Product: Credit reporting or other personal consumer reports

A few weeks ago I learned, via a regular monitoring of my credit report, that there was a debt collection assigned to me as a result of an unpaid medical bill that wasn't paid by the XXXX XXXX. 

A year ago, I started getting notices from XXXX XXXX that I owed {$550.00}. I addressed the bill with the VA and they stated they would take care of it. They said there was an administrative mix-up that appeared as duplicative medical bills because I was originally admitted to XXXX hospital but then transferred and discharged from another ( without having the loop closed with the original..even though they're a part of the same system ). VA assured me they'd take care of everything. I received no notice of a pending collection agency action until I saw it reflected on my credit report. I'm in the midst of qualifying for a home loan and am devastated. Except for this derogatory remark, my rating was a perfect as one could have... never a missed or late payment.
Product: Debt collection

On XX/XX/2024 about XXXX XXXX., a person called XXXX called a former roommate of mine and told her " they represent a party that is suing me ( XXXX XXXX ) and they are XXXX and XXXX XXXX XXXX '' and was wondering if she could pass along the contact and message, and that a XXXX XXXX was in charge of my case. At XXXXXXXX XXXX. I called the number provided to my former roommate. The number is ( XXXX ) XXXX. I called the number and " XXXX '' answered and that's was the only greeting she gave me, no company name. She asked for my name, and remember having just called my former roommate. She than transferred me to " XXXX XXXX XXXX. '' Who then proceeded to tell me that the call was being recorded, and the started with telling me that I committed 3 crimes, fraud by deception, theft by taking, and wire fraud or something. He then told me the amount I owed and if I did not come up with a payment plan right then and there, they would file a lawsuit in civil court that afternoon. I told this " XXXX XXXX '' that I would need to talk to a lawyer first because of the crimes he accused me of, he then proceeded to tell me that I had two hours and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX  XXXX violated my rights 15 u.s.c. 1681 section 602 a .states i have the right to privacy 115 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. 166 b a creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Checking or savings account

They have a subscription service called Genius that charges XXXX dollars a month I never ever authorized this service and charge also, They were getting money from the account to put into a savings account that I never authorized They savings money I already request refund but the XXXX dollars refund for every month charged, they refused
Product: Checking or savings account

I have my bank account with Truist Bank, and they recently came out with an account that charges no overdraft fees. I have called them two different times they have confirmed on a recorded line that the account has been converted and that I wouldnt be receiving overdraft fees, the first one took place roughly about three months ago another call last month and here I am today still getting charged overdraft fees and them telling me they cant help me with anything.
Product: Debt collection

I have sent multiple disputes letters via certified mail asking for validation of debt. I know my rights and the law for consumers and a statement of charges and/or a balance due on a letter head is not sufficient validation of debt. Please provided validation or delete asap.
Product: Credit reporting

A collection account (  XXXX   XXXX  ) originally reported by  XXXX   XXXX   XXXX  was disputed by me. An investigation was made  to Trans Union  back in  XXXX  and was ultimately deleted from my credit report, as it was founded the account did not belong to me. In  XXXX ,  XXXX , I contacted a collection agency  (   XXXX   XXXX   XXXX   )  listed on my credit report to pay a delinquent collections account that was in fact mine from  XXXX  in the amount of {$140.00}. I made arrangements over the phone to pay that account in full and the collection agency  (   XXXX   XXXX   XXXX  ) agreed to remove it from my credit report. That was done successfully. Shortly, thereafter, upon checking my credit report for accuracy, I noticed that the disputed, previously deleted  XXXX   XXXX  account by  XXXX   XXXX   XXXX  for {$820.00} was now back on my credit report as a {$820.00} collection account by   XXXX   XXXX   XXXX    w ith a new account open date of  XXXX   XXXX . This is fraudulent and unlawful. As this collection agency appears to have resuscitated a confirmed deleted account on my credit report. I have continuously disputed this wit h Trans Union and they  have only added a comment to my credit file saying that the consumer disputes this account. That is not acceptable!! I demand to have this fraudulent account removed from my credit file.
Product: Debt collection

The address that this company has listed as the address where the services were used, is an address that I have never lived at. I have been disputing with the credit bureaus about this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

They try to charge me account is no my and destroy my credit score and they call three time a week to admit address is no mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 bureaus, letting them know i have never been late with XXXX  i have always been on time with all my payments. They stated they will fix it and never have. This has been an ongoing situation that has affected my purchasing of home for me and my family. The law prohibits false information to be reported on my credit bureau. It's been over 5 months no changes have taken place i will soon file a law suit against the credit bureaus. This affect my consumer rights, violation of fcra, fdcpa, and consumer rights. I demand this information be updated a late status be removed immediately. 

Creditor : XXXX XXXX XXXX Bank accnt # XXXX date opened : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 This a Violation. Delete this account immediately Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file.
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 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  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: Debt collection

I received several back-to-back phone calls from +1 ( XXXX ) XXXX on XX/XX/2019 beginning at XXXX XXXX. Every call would ring my phone once or twice, but before I could answer, they had ended the call. This was highly inappropriate as I was at work and with customers. After work, I XXXX the number, and discovered it was Portfolio Recovery Associates. A debt collector. I do not owe any debt nor do I have any dealings with this company at all. I guess they think its amusing to repeatedly prank call my phone at least five times within a ten minute period.
Product: Debt collection

I had an account with XXXX XXXX that went into collections. They sent it to a third party. I was contacted by a few third parties over this debt so I honestly do not know what XXXX XXXX was doing but the last one that contacted me was the one that had it on my credit report. I paid the debt. Now this Vance and Huffman add the same balance to my credit report. I contacted them and they state the other company does not have rights to the debt so I have to pay them even though I already paid the other company. I called XXXX XXXX and they stated the original company I paid has actually got the debt. I called Vance and Huffman again and explained it and they rudely argued with me and refuse to work with me. They state they will not remove it from my credit report even though I paid the other company and the original creditor agrees it is paid off. I do not know what to do. They refuse to help and all this when I was trying to get my house refinanced and now have to pay a higher interest rate because of this. Both XXXX XXXX and Vance and Huffman has handled this poorly as XXXX XXXX is telling me there is nothing they can do as they are no longer responsible because they sold the debt.
Product: Credit card

I suddenly discovered that Bank of America had closed out one of my credit card accounts after I had fully paid it off and the other XXXX credit cards the credit limit was reduced to the outstanding balance I still owed without my permission or knowledge and for no good cause. I 've had those accounts for several years and kept a loyal relationship with BOA and slowly worked my way up. Since I was not properly informed by BOA my credit card was closed out, I received a late fee charge on a bill I paid and the payment was rejected and had to pay the full outstanding amount in order to restore my service for a total of {$560.00}. I would like BOA to reimburse me and to re-open my my credit card and restore the line of credit I had achieved on all my BOA credit cards. Closing out my account and reducing my line of credit will affect my credit score and has affected me personally. I also filed an internal complaint with BOA on XXXX XXXX & XXXX, 2016.
Product: Student loan

I attended XXXX XXXX University, XXXX XXXX and XXXX XXXX XXXX XXXX. Navient is the loan servicer for XXXX of my private loans ( # XXXX & # XXXX ). They are demanding a combined minimum payment of {$470.00}. My income is about {$24000.00}, per year. I can not afford that payment. I have called and talked to the people at Navient and they offer me no solutions, yet I know there are programs out there to help me make my payments. I want to pay, but need affordable payments. Navient is not interested in helping me. Instead they have trashed my credit report reporting me now as 4 months late, even though I keep trying to get their assistance.
Product: Payday loan, title loan, personal loan, or advance loan

Lack of integrity for veterans
Product: Debt collection

I noticed a collection on my credit report for XXXX and called Credit Collections Services to see who they were collected for and they stated XXXX but when I called XXXX they informed me that they don't have any of my personal information in there system. The collection agent gave me 2 numbers I called both and both departments said they don't see my social security or name in there system that I owe anything.