23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2018 i received a call from XXXX this number belongs to Bryant Acc. my wife got a call from this same place in the 1st week in XX/XX/XXXX. when i called back the number the person answered investigations. the male on the phone ( i can not recall the name or if they even gave a name ), stated this had to do with a payday loan. i told the person that we filed and the bankruptcy for chapter XXXX was discharged in XX/XX/XXXX the bankruptcy was discharged. when my wife had this call in XX/XX/XXXX the person Ms. XXXX tried scaring my wife stating that the bankruptcy was not approved and that if she dose not pay that the sheriff 's would come to our door and arrested. at that time she contacted your office and made a complaint. On the above date when i contacted the number the person asked if anyone was arrested. i advised him no and that this is the 2nd time some one is trying this on me and my wife and that i want them to stop calling us and that they were not harassing us and that if they don't stop contacting our friends, family members, or us we will seek legal actions against them. I did use harsh language with them and advised them that i was not happy with them calling us and causing undue stress in the family. we also contacted the law firm that prepared our bankruptcy and they advised to file a complaint with your agency. i tried to talk to someone from your agency on the above date and they really did not seam like they wanted to do anything or file my complaint. the person from the so called investigations department of Bryant Acc. at the time my wife called sated that it was a attempt of a det through XXXX XXXX. when i talked to the so called investigator i told him if this for XXXX XXXX that i will be contacting my attorney an file a case with all agencies that i can on there collection tactics.
Product: Credit reporting or other personal consumer reports

I paid the express credit card off on XX/XX/XXXX In the amount of {$410.00} and closed the account. I had just lost my home in a natural disaster and was trying to minimize my accounts as we were homeless and moving constantly. I paid the account in full on that day. In XXXX of XXXX I received a notification from XXXX XXXX stating I had a delinquent account with express. I immediately contacted them requesting information. I was told I was delinquent and that I could lol Up my statements online ( for the closed account ). I was told there was a {$3.00} charge for interest. No email or call was made to alert me to this charge. The company supposedly sent the mail to the address where the house had been hit by a tornado. No mail was ever received regarding the {$3.00} charge. I was initially told that the accrued late fee would be removed and I could pay the amount without issue and it would not be reported. I was then transferred.. and transferred again and again. Until I was finally told there was nothing that could be done and that I would need to pay the past due amount to keep it off my credit report. So I paid the now {$27.00} dollar charge only to have it reported to the credit bureau anyway. I feel like this was absolutely ridiculous. I have never been late in a payment and had paid the account off for this very reason. I did not want to miss a payment on something while we are homeless and moving from place to place waiting on insurance to settle on our home. Instead my credit score has now dropped by XXXX points over a {$3.00} charge and I have been turned away from getting multiple rental homes because my credit has dropped. I have called numerous times and contacted the credit bureaus to have it removed but to no avail. I just need some help. I did everything I was supposed to do trying to keep this very thing from happening. Every time I call express they just continue to say there is nothing we can do for you. I had to go online and reactivate my account to locate the {$3.00} charge which is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute stating that payment history for my XXXX XXXX account was incorrect. The bureau is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. This is incorrect as per an automatic stay in XXXX XXXX XXXX, I was not required to make payments during that time. Several disputes have come back as verified, and subsequent requests for verification information have gone ignored. This is having a damaging effect on my credit history and ability to obtain a mortgage loan and I am requesting that it immediately be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reporting on my credit report is not reporting accurately. The information is erroneous and I have requested several times that the company report accurately.
Product: Credit card or prepaid card

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw XXXX debts reported by Synchrony Bank for XXXX accounts from Walmart card and care credit. The trade lines are demanding I pay {$850.00} total. Since I was laid off, the layoff caused me undue hardship and I was unable to meet the monthly minimum. I have been able to save, but I can not possibly repay this debt in full as I am a single mother with XXXX kids and only one income coming in monthly. I am writing to ask if you would be willing to accept {$400.00} as payment in full. If so, I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$400.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Product: Debt collection

After I had argued for several months with XXXX over the fraud charges on my joint account with my husband, I contacted the XXXX. The XXXX XXXX XXXX finally got some matters resolved with my account. Now I've just been notified by a collection agency ( Midland Credit Management ) that XXXX charged off my account on XXXX while the fraudulent charges on my account were still being investigated. I have documentation from Midland Credit Management giving the date of the charge off and documentation from XXXX dated XXXX where they requested additional info from me to resolve the fraudulent matter
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. I was told to return on XX/XX/XXXX to provide XXXX information and tha was all they needed from me to pick up the vehicle. I signed all of the purchase agreements on XXXXbut dod not receive any copies of anything that I signed. 
When I returned on XX/XX/XXXX I communicated with the dealership that I had to pick up money for the insurance, and i drove my car that I bought on XXXX to get the money for XXXX XXXX I was called in route and asked to bring the vehicle back so they could put tags on it for me, I told them I was close and would be back asap with insurance. 
The dealership then called the police and reported the vehicle as stolen and I was arrested for grand theft auto. 
To this day I have not received any documents from XXXX XXXX XXXX that I signed and agreed to on XX/XX/XXXX. 
I have requested these documents as well as the vehicle that I purchased from them but no one has contacted me offering anything for my records. 

Not only did i not steal the car I had already bought the vehicle which constitutes XXXX XXXX XXXX filling false charges against me. I mean who spends XXXX days at a dealership toi buy a vehicle signs all of the docs then spontaneously is accused of stealing that which they just bought.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

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

in accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

15 U.S.C 1681 Section A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called my realtor to apply for a new place to live. When they ran my credit, I was told that there were several Items that would prevent me from being able to be approved. When I saw what was on my report I was very shocked and upset. There are several things on my report that don't belong to me. As a result, I contacted the local police and FTC. XXXX/XXXX   XXXX, XXXX XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 & XX/XX/22 I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/XXXX, my bank of america account got closed with literally no reason and after that i was informed that i will get the balance with check by mail. 
They said they sent it on XX/XX/XXXX, but i still didnt get the check. 

I got tracking number from them but on XXXX system, they only created label of package and it is not even arrive to XXXX. 

I tried to solve the problem by informing the situation to both BOA and XXXX, but i m getting any specific solution or update about my check Please help me out with this matter as the amount of money is big and important for me
Product: Vehicle loan or lease

I had a car loan with Bridgecrest which I refinanced with XXXX XXXX. Bridgecrest provided XXXX XXXX a 10 Day Payoff of {$24000.00} on XX/XX/XXXX which did not include a {$2300.00} payment for a canceled car warranty. After initially telling me they " don't provide statements '' ( see pg. XXXX of Bridgecrest text thread ), I received a statement in the mail that shows that they received payment for the car warranty refund on XX/XX/XXXX, even though I had called and messaged customer service several times in the month of XXXX and XX/XX/XXXX to ask if they had. Refer to page XXXX of text thread where customer service denies receipt of XXXX refund on XX/XX/XXXX and the transaction history that shows receipt as of XX/XX/XXXX. 

Bridgecrest has now received a payment from XXXX XXXX for {$24000.00}, however my principal balance at the time of payoff was {$22000.00}. I also submitted a regularly scheduled payment on XX/XX/XXXX for {$530.00} through my banks bill pay before I was informed the refinance had gone through. 

I have included the Transactions History I received from Bridgecrest, my Text Messages with their customer service, and an email i received showing they received a {$24000.00} payment.
Product: Debt collection

A company reached out to my eldest daughter regarding a debt that they state I owe to Bank of America. I have not had an account with Bank of America for years, so I am not certain what debt they are speaking of and why they contacted my eldest daughter instead of myself. I have had clear credit - no debts- for at least two years now as I worked to clean up my credit rating. 

Information from the email my daughter received and forwarded to me : From : XXXX XXXX XXXX Date : Fri, XX/XX/2022 at XXXX AM Subject : XXXX XXXX, important reminder To : XXXX XXXX XXXX XXXX ( NOT my email address ) Your XXXX account number is : xx-xx-xxxx-xxxxx - We don't want to see your balance of {$8300.00} be taken back by XXXX XXXX ( current creditor of your original Bank of America , N.A . account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

IAMAVICTIMOFIDTHEFT.MYINFORMATIONWASCOMPROMISEDDURINGTHE2017EQUIFAXDATABREACH.IHAVEENCLOSEDDOCUMENTSTOASSISTINBLOCKINGINFORMATIONFROMBEINGREPORTEDONMYCONSUMERREPORT
Product: Debt collection

Navy Federal Credit Union Account Numbers : XXXX and XXXXXXXX XXXX XXXX XXXX Account Numbers : XXXX ( {$22000.00} ) and XXXX ( {$6400.00} ) Original Creditor : Navy Federal Credit Union These accounts were originally charged off by Navy Federal Credit Union. Subsequently, XXXX XXXX negotiated a repayment plan for these debts on my behalf, and I began making payments in good faith toward these obligations. 

However, Navy Federal Credit Union sold the accounts to XXXX XXXX XXXX despite the repayment agreement being in place. XXXXXXXX XXXX XXXXXXXX has since reported these accounts on my credit report. I believe that this action violates the terms of the repayment arrangement established through XXXX XXXX. 

This situation has caused significant harm to my credit profile, and I am requesting immediate resolution : Navy Federal Credit Union should instruct XXXX XXXX XXXX to remove these accounts from my credit report. 
XXXXXXXX XXXX XXXXXXXX must cease reporting these accounts to the credit bureaus. 
If this matter is not resolved promptly, I will pursue legal action to protect my rights under applicable laws. 

Please respond in writing within 30 days of receiving this letter to confirm the steps you will take to address this matter. 

Thank you for your attention to this issue. I look forward to your prompt resolution. 

Sincerely
Product: Student loan

I was enrolled at XXXX XXXX in XXXX and they filed for bankruptcy and closed before I was able to complete my degree. In XXXX, Navient contracted XXXX to collect my defaulted student loan. XXXX reached out to me and offered to allow me to settle for less then the full amount. I did not have money at the time and asked if I was able to pay, if they would remove it off my report. They said Once Navient receives the money, they will take care of that. They told me I would have to make the payment by XX/XX/XXXX. I called around the middle of XXXX to ask for an extension, which they said an extension would mean they couldnt honor the settlement. I even called back the next week and told them I did not have the full {$2000.00} and if I could settle for XXXX and they again said no. On XX/XX/XXXX I called in and when I couldnt I paid the XXXX. They told me they would take the {$2000.00} and hold it for a month and then update my account accordingly. I have been calling at least 4 times a week begging for them to fix my report correctly so I can get approved for a home. Every time I call they give me attitude and tell me that I have to wait 30-60 days but its not XXXX. I kept telling them you guys are reporting it incorrectly and Navient did nothing but send me to a fake voicemail which I have left so many messages on and havent received not one call back. I decided to create an account with them and when I did it said that my account was still in default and I owed a past due balance. I have complained so much and Navient had not helped me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion website ( unlike XXXX 's ) let me create an account to manage freezes to my credit report. But that's as far as I've gotten with it. Transunion ALWAYS reports back that the status of my credit freeze is UNKNOWN and suggest that I try again later. It's been like this since I created the account in XXXX, 2019. The only way I can do anything is by going through long laborious telephone mazes.
Product: Credit reporting or other personal consumer reports

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and XXXX they are causing me.
Product: Checking or savings account

KEY BANK CLOSE MY ACCOUNTS XX/XX/2023 I NEVER GOT ANY PROBLEMS I CALLED THE NUMBERS AND NO ONE GAVE ME A ANSWER FOR CLOSING MY BUSSINES AND PERSONAL ACCOUNTS. I DONT THINK IS FAIR BECAUSE I BEEN DOING GOOD SO I CAN GET A LOAN FOR A HOUSE. NO ONE HELP ME TO RESOLVE THIS PROBLEM KEY BANK ALSO ITS CLOSING MY ACCOUNTS FOR NO REASON
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires made by the following CREDCO on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX   on XX/XX/XXXX I contacted XXXX, XXXX XXXX XXXX   via U.S mail & via telephone to have the inaccurate inquiries removed. Please investigate these inquiries at your earliest possible convenience. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.
Product: Credit card

On or about XXXX 2023 I was notified by XXXX XXXX XXXX XXXX that my personal information, including sensitive details such as my name, Social Security number, and financial data, was compromised due to a security incident. This breach has led to unauthorized access to my accounts and resulted in fraudulent activity being reported on my credit report. 

Then again XXXX also notify me as well. As a consequence of this breach, I discovered several fraudulent accounts and transactions that I did not authorize. These discrepancies have now created significant challenges for me. Specifically : Fraudulent Accounts** : My credit report now shows accounts that I did not open, which has adversely affected my credit score. 
I am actively working to resolve this matter by disputing the fraudulent entries on my credit report and seeking assistance from credit monitoring services. However, the immediate effects are hindering my ability to manage my day-to-day expenses effectively. 

I kindly request your understanding and support as I navigate this challenging situation. If you require any additional information or documentation regarding the breach or the fraudulent activity on my credit report.
Product: Checking or savings account

Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX and received the cash bonus of XXXX on XX/XX/XXXX. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX missed payment DEPT OF EDXXXX XXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Formal Complaint Inaccurate Reporting and Repossession Issue with XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the inaccurate and misleading information being reported by XXXX XXXX  on my credit report concerning a repossession. This complaint involves XXXX XXXX reporting inaccurate account information that is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as other federal consumer protection laws. Below are the details of the issue : Summary of the Issue : I financed a vehicle through XXXX XXXX under account number XXXX. This vehicle was repossessed, and XXXX XXXX sold it at auction on XX/XX/XXXX, for {$15000.00}. The original amount on the loan was {$17000.00}, and the full balance was reported as paid off after repossession. Despite this, XXXX XXXXl has continued to inaccurately report the status of the account and the repossession on my credit report in the following ways : Multiple Repossession Entries : XXXX XXXX has reported the repossession for both XXXX and XXXX of XXXX, which is misleading and creates an impression of multiple repossessions for a single incident. This reporting of duplicate repossession entries is inaccurate and damaging to my creditworthiness. 

Misrepresentation of the Loan Balance : Although the vehicle was sold for {$15000.00}, XXXX XXXX continues to report inconsistent information regarding the balance, which is contributing to confusion and further harming my credit score. 

Violations : XXXX XXXX 's actions violate the FCRA by : Failing to ensure the accuracy of the information reported to the credit bureaus, specifically regarding the duplicate reporting of repossessions and misrepresentation of the balance. 
Failing to update the account status in a manner consistent with the law after the repossession and auction sale of the vehicle. 
Harm Caused : These inaccuracies have significantly damaged my credit score and my ability to obtain credit on reasonable terms. Additionally, this inaccurate reporting is causing undue stress and hardship as I try to move forward from the repossession. 

Actions Requested : I respectfully request the CFPB to investigate the actions of XXXX XXXX and compel them to : Delete the entire trade line for this account from my credit report due to the inaccuracies and harmful effects of their reporting. 
Ensure that XXXX XXXX fully complies with federal law by providing accurate and fair information to credit reporting agencies. 
If the CFPB finds that Ally Financial has willfully violated the FCRA or any other relevant federal statutes, I request appropriate corrective actions be taken, including fines and any other sanctions deemed necessary by the Bureau.

Thank you for your attention to this matter. I trust that the CFPB will take immediate action to investigate and resolve this issue in accordance with federal law. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I had an Auto lease with this company US auto Sales and in the middle of my contract the company went out of business as well as my insurance i had with them. I was involved in an accident right before they went out of business and now Im left with the Damage car and no one to contact. And a company named Westlake portfolio is asking me to pay a loan, and Ive never heard of this company