23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My XXXX score is wrong. I have had deleations from XXXX with complaints filed through your CFPB and living funding is still on my TransUnion and XXXX reports. XXXX XXXX lost a court case and they need to be removed immediatley as well from all three reports. Nobody has my signature. It can't be provided. I also have closed accounts with XXXX balances and I demand them to be removed as well. I have been dealing with this for years. I can not do anything financially because of improper reporting and it causes harm to my family. I can't buy a car, house, get an apartment. If a report shows written off, they need to be removed as well. It's sickening and against the law!!
Product: Credit reporting or other personal consumer reports

Remove XXXX XXXX from my credit report for inaccuracies. How can an account be late and on time the same month? For example in XX/XX/XXXX you reported me late while XXXX reported me on time. It is not the only one. This is not possible and it shows how inaccurate this account is. I have many other examples. You said the account was last active in XX/XX/XXXX when XXXX said it was last active in XX/XX/XXXX, so many discrepancies. Remove immediately XXXX XXXX from my credit report for inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a negative collection/chargeoff from discoverbank.This account was paid and closed on XX/XX/XXXX. The full balance was paid. Discover still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was called about a scammer using my debit card to verify I didnt make ca transaction. Them proceeded to say we had an active hack of XXXX and need to transfer money to protect the account. XXXX {$25000.00} transactions moved by Chase bank. I reported the fraud to chase and was explained that I was transferring the money to help a cousin with a down payment on a real estate transaction. Chase is refusing to replace the money scammed
Product: Credit card or prepaid card

This card is XXXX and is essentially a XXXX card and issued by Commenity Bank. I got it when I needed XXXX  XXXX. It has special promotion that gives 24 months in which you make continuous payments of at least a minimum amount and if paid off in full by the end of that time then you owe no interest. If you do not pay it off during this time or miss monthly payments then the high rate interest is added to your account. My payment was due on the XX/XX/XXXX and I did make the payment on the XX/XX/XXXX for more than the minimum amount. For months I have had issues with website making payments and they have an early time and when I finally got in the website there was hours left of the XX/XX/XXXX but the payment date refused to allow me to post for anything but the XX/XX/XXXX. I tried to call before posting the payment and got a message we are closed call back during business hours. I didn't want to delay payment so I made the payment and immediately emailed them explaining the issue asking for the late payment to be waived and I got a message back it was waived last month and that it will not be waived again. I messaged them back asking for corporate information and explained that I have had issues for months with trying to pay the bill and have asked for tickets to be put in but I have never gotten a call and got a message back saying there are issues with the website where sometimes you cannot access it and make payments if using XXXX  and they would not waive the fee and future use another browser. I replied back saying that if I had been told this months ago there would be no issue and it would have fixed it and that due to the known issue on their part the fee should be waived and also the website should have a disclosure to tell people so it can prevent this from happening. I am still getting a refusal to waive the fee. I called corporate and the person that took the complaint said she understood the issue with XXXX and agreed she had personally experienced issues and she would research and see if someone could call. I got a call and they said that they forwarded it to the bank since the bank handles the card and XXXX has no access. I told her this was unacceptable putting it off and back to customer service and she hung up on me. I am asking the $XXXX fee be waived and if they cannot fix the issue for accepting payments from XXXX  that a notice be included on their website that stops others from being charged all these access fees as they know most people won't continue to fight or take it to the government for review since it seems like a ploy by them to get extra money and look for reasons to charge all that high interest building up that they lose when balance is paid before 24 months is up.
Product: Debt collection

I have made numerous attempts to resolve this matter for the following reasons : On or about, XX/XX/2020, XXXX XXXX XXXX  issued a new credit card, which they have done every year. The balance owed on the credit card is usually transferred to the new card. There was nothing unusual about the transaction this time. The balance from the old credit card was transferred to the new account ending. 
I continued to pay my monthly bill, as usual, not suspecting that there was a problem. I received no complaints from XXXX XXXX XXXX. I never received a late notice or any notice of impending charge-off. I learned of this charge-off when I checked my credit sometime in XX/XX/2020 in preparation for refinancing my home. XXXX XXXX XXXX, continued to report that I paid my bill as agreed. I have only had one account with XXXX XXXX XXXX. I have written to the collection company in an effort to have the charge-off removed from my credit file. This mistake has cost me the ability to refinance my home as my credit score dropped 35 points. Resurgent sent me their evidence and the evidence that I do not owe the funds charged -off is evident. The transfer of the balance is evident in the paperwork.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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
Product: Credit card or prepaid card

I noticed that my American Express credit card is charging me 28.49 % APR. 

It is definitely my fault for not having paid attention to this sooner. I contacted the company on XX/XX/XXXX at about XXXX XXXX Pacific time. I spoke with customer service rep " XXXX '' ( based in XXXX ) who told me there was not a lower rate possible. I then spoke with supervisor " XXXX '' ( XXXX ) who told me the same thing. XXXX said the rate is based upon " credit rating, history, other balances and the like. '' ( the usual filler response. ) I asked if there was an appeal process ( as I have encountered with other financial institutions ) and XXXX said no. However, XXXX mentioned that my account would be " reviewed again '' in XXXX. I doubt seriously they will lower the interest rate. 

I have had a relationship with American Express since XXXX and have never defaulted or behaved poorly with my accounts. I have not always carried balances. I have a credit score of XXXX and yes I do have other balances with other banks as I am trying to start a business. But I have always handled my credit obligations beyond reproach. 

This rate is Usurious. It's like a loan shark. American Express should be ashamed of themselves. It is NO WONDER some people are never able to get out of debt!!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$120.00} XXXX CRED XXXX Balance Owed : {$760.00} XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX  XXXX Balance Owed XXXX {$3500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SER XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Refuses to delete/ remove a incorrect collection account from my credit report which does not belong to me & must be removed immediately as its hurting my creditworthiness, account info is as follows : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX A/C # XXXX {$55.00} XX/XX/2017
Product: Payday loan, title loan, personal loan, or advance loan

Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX please remove the inquiry from my credit report.
Product: Money transfer, virtual currency, or money service

Ive been using my Zelle for years and when you accidentally send money to the wrong person Im never able to get my funds back and I feel like thats not right Ive had over {$5000.00} not returned cause if Zelle over the last 2 years
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX is reporting Inaccuracies on my credit report, which is a violation, I've also requested the XXXX cancelation of debt because they have charged off these accounts and filed it as a loss on their taxes but still reporting charge off every month on my credit file. 
Under FCRA XXXX ( a ) ( XXXX ) inaccurate information reporting is a violation Under FCRA XXXX ( b ) Credit bureaus must ensure accuracy. 
Under FCRA XXXX ( a ) I have a right to Dispute incomplete or incorrect information Under FCRA XXXX ( b ) It's your duty to investigate and report accurate information. 
Under FCRA XXXX ( b ) Failure to correct errors- it is your duty to report accuracy on my credit report.
Product: Debt collection

Credence Resource Management is the current collection agency that is trying to collect a debt for XXXX XXXX XXXX  that I do not owe. this is the fifth time i have to have this removed from my credit report. This is now harassment. I returned XXXX XXXX XXXX 's equipment witch i have documentation of. I have contacted XXXX XXXX XXXX and they are of no help. Every time I get this removed a month later XXXX XXXX XXXX sends someone else after me for money I don't owe.
Product: Debt collection

I received a letter on XX/XX/XXXX stating i owed XXXX XXXX XXXX {$140.00}, from Lanier Collection Agency & Services. I responded back, late, on XX/XX/XXXX requesting information supporting the claim. To this day I have never received a response from XXXX.
Product: Debt collection

Security credit services reported a collection onto my credit XXXX of 2017 for something call tempo. I never received anything from them, but at the time did not know my rights to dispute, or request validation. A few months ago I filed a dispute and received what appears to be a print out of some form of contract from XXXX. First this does validate a debt. Its not the original contract with my signature. 

So over the past 3 months Ive called security credit services multiple times. Just trying to have a general conversation about the debt. Such as when the actual debt occurred because there hasnt been a sears around me for almost 4-5 years, so the 2017 date they have listed is nonsense. But once again I called to have a conversation about this alleged debt and I can not get anyone to answer during their normal business hours, or anyone to call me back from the messages I left. If your companies business model is to make money, why wouldnt you answer the phone? 

A quick search into their XXXX complaints shows this is a constant pattern with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX account in collections. I was told by the debt collector that if I paid the outstanding balance that the negative information and late payment history would be removed once paid. I paid the agreed settled amount of {$93.00} to Client Services who collects for XXXX XXXX as their in-house collections, that the debt and history would be removed within one business day. I have checked my credit report and still see that there reporting an open collection with XXXX XXXX and a history of late payments. I feel this is Deceptive Trade Practice to tell a consumer if you pay, we delete. The account remains unchanged from my credit report by XXXX XXXX. Account
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union and the multiple overdraft fees Ive incurred. Despite having sufficient funds when charges were authorized, I was charged several times for lates fee after Navy Federal took their sweet time to post my payments. I have also received negative remarks on certain credit card payments I was trying to make in a timely manner but Navy Federal would take days to post my payment and cause confusion. This issue aligns with the recent CFPB findings against Navy Federal for similar practices. I believe it was very unfair and I would like further investigation into my account.
Product: Vehicle loan or lease

On XX/XX/XXXX, we closed on a loan of {$75000.00} for a XXXX RV with Bank of the West through their loan department, Essex Credit, a division of XXXX XXXXXXXX. Our loan officer, XXXX XXXX, told us that the loan was being handled by them as well as getting the plates and the registration. Now, over two weeks later, we still do not have the license plates or registration so we can not use the vehicle that we paid for. We have been emailing and getting no answers. We have been calling and getting no return calls. We have been asking how to get the plates and registration, who do we call. Finally, we waited on hold for over 2 1/2 hours to get a person on the phone with Bank of the West, which we finally did today. Only to be told that some of the paperwork is now taking up to 4 months. This was never told to us upfront or we would not have done the loan with Bank of the West. We asked for a supervisor and we were told she was not able to transfer us. We asked for it to be escalated and we were told it could not be because it was not yet considered overdue. We asked for a contact name and number and we were told that could not be given to us. We asked for an email address and we were told that too could not be given to us. We asked to have some way of knowing when this would be done and we were told there was none and nothing we could do.
Product: Vehicle loan or lease

In XXXX of 2021 Bridgecrest placed my vehicle for repossession without warning or any way of settling the unpaid balance to avoid repossession. When I contacted them to settle the debt the first rep could not help me, I was transfered to a supervisor who told me if i paid the past due balance they'd cancel the repossession. I needed to wait one day to be able to make the payment, when I called back the next day they would not accept my payment even though the supervisor had made the guarantee to me. Bridgecrest repoed the vehicle in XXXX of 2021.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to XXXX 's continued failure to resolve fraudulent accounts and inquiries on my credit report, despite my repeated requests. I have attempted to resolve these issues three times, and XXXX, experian and XXXX has consistently failed to comply with federal regulations, including Section 609 ( a ) ( 1 ) ( A ) of the FCRA, 12 CFR 1006.34 ( b ) ( 5 ), FCRA Section 605B, and FCRA Section 1681e ( b ).

The fraudulent accounts and inquiries listed below were not authorized by me and are negatively affecting my credit profile. XXXX is violating my rights under 15 U.S.C. 1681b, which governs permissible purposes for furnishing consumer reports, and under 15 U.S.C. 1681e ( b ), which mandates accuracy.

I have listed all fraudulent entries in the attached documentation, including : Fraudulent 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 I am requesting your immediate intervention to ensure XXXX complies with federal laws and removes these fraudulent entries. If this issue is not addressed, I will be left with no choice but to file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with JPMCB CARD. I do not have a contract with JPMCB CARD, they did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, I filed the proper ID Theft report # XXXX, including all required documents & affidavits, I even had Senator XXXX XXXX office contact the Credit Bureaus.After months and months of fighting and perseverance, the ID theft Accts. were finally blocked.

A XXXX card, which was the result of that ID Theft and was BLOCKED from my transUnion Credit Report is back on my TransUnion credit report.

As a result of the ID Theft I had requested XXXX  to conduct a full and proper investigation and forward every document concerning this account and results of XXXX investigation. XXXX  did none of this and I have received XXXX documents as required by law.

However, and incredibly shocking These XXXX at XXXX  continue to break and ignore the rules of law. XXXX   has placed this account back unto my XXXX, XXXX and TransUnion credit reports, dropping my credit score over 100 pts, resulting in my insurance cost being raised. THIS IS THE ONLY NEGATIVE ACCOUNT REPORTING TO THE CREDIT BUREAUS.

TRANSUNION MUST BLOCK THIS XXXX  ACCOUNT again IMMEDIATELY. Otherwise I will hand this over to my attorney to file a lawsuit against TransUnion in Federal Court.
Product: Mortgage

My mortgage lender has misposted several of my mortgage payments over the past six months, crediting the payment to escrow instead of to principal and interest. I have contacted them at least 5 times to correct the error, yet they still show me as being in arrears in my payments despite assurances by their customer services personnel that the misposting will be corrected. Now they have reported me delinquent to the credit bureaus and my credit rating has dropped by XXXX points or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly been mailing disputes to Transunion regarding negative reporting accounts. I have yet to see any changes and feel discouraged. I am not getting any results with handling the issues at hand. I am simply seeking for the buera to provide 100 % proof that the negative accounts belong to me. I have no knowledge of the accounts being reported. The buera is not completing a Thoreau investigation they are simply marking the accounts as verified to just move on. This is not right for the information to be held on my report without any written proof of any claims or some type of supporting documents. Accounts that are not being accurately reported is defamation to my character.
Product: Debt collection

Subject : **Complaint Regarding Incorrect Collection on Credit Report** Dear CFPB, I am writing to formally dispute and file a complaint regarding an inaccurate collection entry that has been reported on my credit report by [ Fair Collection and out ]. This entry has negatively impacted my credit score, and I believe it to be erroneous for the following reasons : 1. **Dispute of Debt** : The alleged debt is either incorrect or non-existent.

2. **No Proper Notice** : I was not provided with proper notification of this debt before it was reported to the credit bureaus.

3. **Violation of Fair Credit Reporting Act ( FCRA ) ** : This entry appears to be in violation of the Fair Credit Reporting Act, which mandates that all information reported to credit bureaus must be accurate and complete. [ 15 U.S Code 1692 ( G ) ] ( 15 U.S. Code 1692 ( c ) I am requesting the CFPB to investigate this matter and take appropriate action to have this inaccurate collection removed from my credit report. This erroneous entry is unjustly damaging my creditworthiness and financial standing.
Product: Credit reporting or other personal consumer reports

I have been disputing information that is both incomplete and 100 % inaccurate. My disputes for these violations are repeatedly ignored over and over. This needs to be corrected immediately.
Product: Debt collection

My monthly payment was XXXX days late ; spoke to them onday XXXX and day XXXX that payment would be made on XXXX/XXXX/15. Advice unable to verify at moment but would take care of payment. I received a call Tuesday XXXX XXXX, Wednesday XXXX XXXX. I received XXXX calls after speaking with them on Tuesday and Wednesday, I advise them not to call me by phone anymore they were not to call me back after payment arrangements the rep said she would call me as much as they wanted to ... previous reps did n't promise account or note it. They could call as much as they wanted. I received call on XXXX/XXXX/15 @ XXXX and XXXX and XXXX on my home number. Before hanging up I advised of a cease and desist on my account.
Product: Credit reporting or other personal consumer reports

Nelnet ( formerly, Great Borrower Lakes ) had transferred all of my ( XXXX ) federal student loans in XX/XX/2023 and received payoff confirmation. Account balance is XXXX and accounts closed ; however, Nelnet still has NOT reported this change to credit bureaus as of XX/XX/2023. Since then, I have paid off a number of loans with the new servicer XXXX in XX/XX/2023. 

I've made several attempts to reach Nelnet over the phone, email, and portal to resolve their inaccurate credit report. After waiting a reasonable amount of time without a response, I filed disputes with credit bureaus ( attached payoff confirmations, statements, and screenshots ). 

Nelnet continues to deny the loan balance change and has certified to XXXX ( and other credit bureaus ) that the information is accurate. This results in a false loan balance from Nelnet, who has not updated the credit report since XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 FOR XXXX XX/XX/2023 FOR XXXX XX/XX/XXXX FOR XXXX THE ITEMS ABOUT WERE PUT ON MY CONSUMER REPORTS AND I WOULD LIKE THEM REMOVED