23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a debt that went to collections with Credit Bureau Systems. We made a payment arrangment on the debt. I have the email to show that. I made every payment that was agreed upon. They came back after saying that the arragement was not satisfactory and I had to pay the rest of the balance. They claimed no such agreement was made. I have disputed this debt multiple times through the credit bureaus and they will not remove it. I have contacted the company directly by both phone and email and they will not remove it. It has been XXXX  years I have been disputing this debt. They refuse to take it off of my report even though they know that the arragement was made and signed because it was done electoronically. They also have the payment records to show that every agreed upon payment was made on the account.
Product: Credit card

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is fraudulently reporting over ten 120 day late payments on my credit ( years after account closure and FULL PAYMENT MADE ). I have called Nelnet over 20 times, sent them letters and they always ignore my requests and damage my credit and financial life. Please see my attached screenshots of credit reports. Nelnet has caused irreparable harm to my well being, state of mind and life in general. 

Im seeking help!!
Product: Credit card or prepaid card

In 2018 debt own with XXXX XXXX  NOW ITS WITH COLLECT AGENCY JEFFERSON CAPITAL SYSTEM AT XXXX ... XXXX I was going through a divorce and I had this credit with XXXX XXXX and its was a XXXX limit and now with the fee its at XXXX I contact XXXX  XXXX to inform them of my current substitution and the agent for XXXX XXXX  could not help me they had forward my account to this agency I try to explain that the card with them was that I supposed to had protect its was provide with the card in case a customer card not paid and they agency said I was told it was to late for that program and to contact the collect agency but I don't have a account with JEFFERSON Capital System.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from mycredit report. I received a copy of my credit report and became aware of inquiries I did notauthorize. They are as follows. XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 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 XXXX XXXX XXXX
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX HELVEY & ASSOCIATES IN XXXX To Whom It May Concern, XXXX XXXX XXXX Director of Compliance and Corporate Training Helvey & Associates ( PLEASE RESPOND VIA CFPB AS THE ADDRESS YOU CLAIM IS NOT MY ADDRESS, SINCE I AM A VICTIM OF IDENTITY THEFT LIKE I TOLD YOU IN MY LAST CFPB : XXXX ) Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XX/XX/XXXX AND XX/XX/XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question **Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. A BILL WITH NAME AND FRAUDULENT ADDRESS IS NOT SUFFICIENT. 

Thank you. 
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Product: Checking or savings account

I have an account XXXX LifeGreen checking with Regions Bank that I opened XX/XX/XXXX. Since I've had this account, I have had my account compromised several times, with the 1st attempt happening XX/XX/XXXX. The last attempt was XX/XX/XXXX. From the day I've opened my account back in XX/XX/XXXX, I've requested Regions Bank notify of ALL banking transactions via text and email. Regions Bank breached that agreement by not notifying at all of that fraudulent bank transactions. I happened to call the bank XX/XX/XXXX inquiring about the scam attempt that happened XX/XX/XXXX and the representative the one that happened XX/XX/XXXX.
Product: Credit card

I applied for a citi credit card on XX/XX/XXXX. On XX/XX/XXXX I was approved for the card. After finding out that the card was not as advertised I called to close the account. I spent XXXX hours on the phone requesting they close the account. I was then told I was not able to close the account and I need to wait XXXX days and call back. I am unable to close my account and am being forced to keep the account open against my will. I was also told by the fraud department I can not report it lost or stolen and they are unable to close the account. I asked them to provide documentation on why they are refusing to close the account. I was still instructed to call back in XXXX days and try again. It also does not say in the terms and conditions that an account must be open for XXXX  days before it can be closed. The advertising to apply was misleading and customer support provided misinformation. I spent several hours being transferred around only being refused to close my own account.
Product: Checking or savings account

I was charged overdraft fees from Navy Federal Credit Union and was sent to collections. But I was also unaware that anything was coming out of that account. The amount was around {$250.00} dollars. I have since paid the amount and have opened a new account with them.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bureau of a 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 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

William 's and Fudge used tactics that they know would be inconvenient and embarassing to the debtor ( me ). 

I owe about {$2000.00} from a Perkins student loan ( given to low-income students ). I currently work as XXXX XXXX  for the XXXX XXXX XXXX. To collect this debt, Williams and Fudge called the office for a Member of Congress, spoke to a congressional intern, and left a message with the intern to have me call Williams and Fudge. Later in the day, the intern asked me " what that was about ''. Any reasonable debt collector would know that this is embarassing and could damage my professional reputation. 

This came after Williams and Fudge made several phone calls to my family and friends asking to get in contact with me on an urgent financial matter. 

Williams and Fudge of course had all my contact information. While I'm certainly at fault to some degree for letting the loans go into default, 2022 was a difficult year for me. I was diagnosed with XXXX XXXX in XX/XX/2022, had successful XXXX, and spent the last half of the year recovering. I let some bills slip by that I shouldn't have -- -but the tactics used here for a PERKINS loan are just really unacceptable.
Product: Credit card

Citi card has been the worst. A data breach with my pertinent personal information has occurred with suspicious activities on my account involving Citicard. Ive yet to receive a resolution on the XXXX that theyve promised to send & since thats evident that it has not been sent is another violation of my privacy rights to have documents not reach the proper address because of frivolous fraudulent activities that Citi has been involved with as well. Ive promptly & competently completed all requests asked of me throughout having services with Citi even until now & still no resolution from Citi except saying that I still owe them no matter what even though they know theyve stated a XXXX is a resolution to removing their negative, false account from my credit profile & have disregarded this just to tell me on my recorded line that they are participants in double dipping by requesting a payment even after a XXXX in writing is a solution to this nightmare. How honorable? If they arent ensuring that their systems are sending the mail to the proper person then how can we believe that my account with them always reflected the proper payments postedI know howWE CANT. Remove this account from my credit report asap along with any damaging history as well.
Product: Payday loan, title loan, or personal loan

YOUR COMPLAINT I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.
Product: Checking or savings account

I received a notice explaining that I had funds in this account, however my name was spelled wrong and I could not receive the documents.
Product: Credit card

Navy Federal Credit Union took my {$45.00} from my savings account. They put a negative balance of {$150.00} for a {$200.00} secure credit card account .When my credit card account was closed, they took the {$200.00} out on XXXX.Therefore I dont owe them anything, they will not let me take my {$45.00} out of my savings account. This has to be illegal, stating that I owe {$150.00}. I called and spoke with two managers who stated to me they system is responsible for this balance on my account, there was nothing they could do to make the correct changes. Please help me address this issue.
Product: Credit card

I accidently made a payment of {$170.00} on XX/XX/2023 from closed Bank of America Credit Card XXXX instead of making it to the open card XXXX I have with them. Why I was able to make payment to closed card with XXXX balance is beyond me? Anyways on XX/XX/2023 they made 2 transfer payments of {$170.00} one leaving me with a XXXX balance and the other a {$170.00} debit balance. The {$170.00} was moved to the open card XXXX which they gave me a credit for. On XX/XX/2023 I made the payment on the {$170.00} which of course gave me a balance of XXXX. But now on XX/XX/2023 there is another payment adjustment for {$170.00} which I never made and where or how it came is beyand me? Please note this is a closed card where I can not make payments and no payments should be made. The account never should have allowed the first mistake payment and now I am left with A XXXX XXXX because of their accounting practice. I want all this resolved immediately and do not want to ever experience this again. Please note I have a Credit Score of XXXX and always pay off my cards in advance. Bank of America needs to fix this probelm and make sure it never happens again. I am a great customer for whoever has my business.
Product: Vehicle loan or lease

I am an elderly, XXXX woman. 
I went alone to purchase a used car in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone ( XXXX ) XXXX XXXX works with following company to get loans financed : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX phone ( XXXX ) XXXX XXXX asked ME for {$11000.00} for a XXXX XXXX XXXX, 4-door sedan with odometer reading of 90,818. THIS PRICE WAS NOT ON THE CAR FOR ALL TO SEE. I thought this was high. 
I asked for the XXXX Report and the salesperson indicated their fax machine was not working. Instead he provided a report titled " Vehicle Compliant with Credit Acceptance Policy '' which indicated there was no damage to the car. 
I agreed to purchase the car and asked for gap insurance. The salesperson indicated that gap insurance could not be obtained that day if I wanted to drive off in the car. I had financed one other used car which was totalled and the car insurance did not pay off the entire loan so I definitely wanted gap insurance. 
The salesperson indicated I could obtain gap insurance the next day. I had taken public transportation to the end of the line then gotten in a taxi to get to XXXX XXXX so I signed a document, under duress, indicating I did not want gap insurance. When I called to obtain gap insurance the next day, I was told I should have gotten it the day I purchased the car and could not obtain it.
The terms of the loan : Amount financed : {$12000.00}, APR : 23.99 %, No. of payments : 54, Amount of payments : {$380.00} beginning XX/XX/XXXX ; Finance charge : {$8100.00} ; Total of payments : {$20000.00}. 

The amount financed of {$12000.00} was reached as follows : asking price of car : {$11000.00} + {$760.00} in sales tax - {$1600.00} downpayment = XXXX plus following costs/fees : XXXX extended warranty contract ; {$20.00} fee to release security interest ; {$170.00} fees for certificate of title, license and registration ; {$390.00} seller 's processing fee. 

When I tried to trade the car in the next year, I was told by a XXXX XXXX dealership salesman that the XXXX XXXX value of the XXXX XXXX in XX/XX/XXXX was about {$4000.00}. The XXXX XXXX salesman provided me with a XXXX Report which indicated that the car had been damaged in an accident and there was a recall on the car. I feel that I was grossly over-charged for the car by XXXX XXXX, about THREE TIMES its value, and that Credit Acceptance added insult to injury by charging me 23.99 % which is practically illegal!!!!! I definitely believe the asking price was high because I am elderly and female.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates payments will be removed. 
XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to correct my credit card reporting for XXXX XXXX XXXX that Transunion and XXXX  have reported incorrectly since XX/XX/2021. 

I have done several disputes with most recent XX/XX/2021 and provided my credit card statements reflecting my balance at that time at {$3500.00} versus {$7000.00} when I opened the account and they keep saying they have verified with XXXX XXXX  XXXX. 

My bank XXXX XXXX aged has said that they keep requesting only XX/XX/2021 data which was when the account was opened and not the latest balance as of XXXX dispute which is now {$3000.00}. 

Transunion has degraded my credit score over 30 points the last couple months related to this credit card only and at this point I believe its intentional and fraudulent by stating they verified the most current information.
Product: Debt collection

I received a notice or collection in the mail about a debt I totally have no clue about the date has XXXX XXXX, 2019 on it, the amount is {$1200.00} I attempted to settle the debt by I not sure what I'm being charged for and I have 13 negative inquiries on my credit report from the same company..
Product: Credit reporting, credit repair services, or other personal consumer reports

They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mastercard from COMMENITY BANK. COMMENITY bank has not updated to the credit bureaus since XXXX 2022. I have made payments in XXXX, XXXX, XXXX and XXXX and nothing is being reported to the credit bureau. I have spoken to the bank and I was informed that the system was updating and my report should be updated in XXXX 2022 2022
Product: Mortgage

Dear Sir/Madam, I am filing a complaint against Pennymac Loan Services for failing to follow XXXX XXXX PMI removal guidelines on my mortgage for XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Despite making substantial improvements to my homeadding a kitchenette, upgrading electrical infrastructure, and installing energy-efficient appliancesPennymac refuses to apply the correct 80 % Loan-to-Value ( LTV ) threshold, instead insisting on 75 %, which contradicts XXXXXXXX XXXX XXXX XXXX ( b XXXX guidelines . 

This refusal appears to be a systematic violation of XXXX XXXX servicing rules and may also violate the Homeowners Protection Act ( HPA ) by delaying legitimate PMI removal. I request that your office investigate Pennymacs practices and ensure compliance with state and federal regulations. 

I am happy to provide supporting documents, including correspondence with Pennymac. Please advise on the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two disputes with Transunion regarding a debt with PA Child Support Enforce. I have had a XXXX balance for several month, but they refuse to accurately update my records. They keep saying they verified amount with company after 14 days. How do you verify information as accurate. I would love to know who they talk to XXXX child support because no one answers phone. I have offered to call on three way for them to hear balance information. I have even offer to show other reports from XXXX and XXXX with correct XXXX. This is hurting me on my job who will look at my credit when getting my FINRA attestation on financial. I have disputed this item 2 times and they have not accurately updated. What is point of credit report if they refuse to uphold honor of FCRA laws ... I am attaching both my other two bureaus which accurately reflect balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : XXXX is XXXXeporting the following fraud accounts : 1. XXXX XXXX  - XXXX XXXX XXXX 2.  XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX Equifax   is Reporting the following fraud accounts : 1. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items removed
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed an unfamiliar debt collection entry listed on my credit report from XXXX IN XXXX XXXX for an amount of {$5600.00}. This entry has been duplicated, with XXXX different account numbers ending in 'XXXX  ' and XXXX, ' respectively. The date opened for both entries is stated as XX/XX/XXXX, and the last activity is reported as XX/XX/XXXX. Both entries list the same amount owed and classify the debt as 'Collection/Charge-off. ' However, the original creditors are reported as XXXX XXXX XXXX XXXX ' and XXXX XXXX, ' which are entities I do not recognize. 

I have not engaged in any financial transactions with XXXX XXXX XXXX XXXX or the aforementioned original creditors that would justify this debt. Furthermore, there is no contact information provided on my traditional credit reports for XXXXXXXX XXXX XXXXXXXX XXXX ' leaving me with no direct means to resolve or dispute this debt. 

I have already initiated contact with my legal representative to address this issue, as the presence of these erroneous entries is affecting my XXXX XXXX and could have significant implications for my financial health. I am documenting all related activities and communications for submission to the CFPB to seek assistance in resolving this matter and to ensure that my credit report accurately reflects my financial history.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2018, I logged into my Western Union account to send money to an individual I had sent money to in the past. I put in all the required information and checked the card information twice. I tried unsuccessfully 4 times to send the money as I kept getting an error message via the website. I then called my financial institution to see if there was an issue with my card and was told no, that funds were available that they could see the transactions put they were coming through as {$0.00}. I then tried again with my financial institution on the phone and the transaction was still declined via Western Union. I then called Western Union to see what the issue was. I was told that even though I had sent money to this person before using the same card, that Western Union had put a block on my card. I wasn't given a reason or anything. And then the representative said I could call someone else.