23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to follow up on the complaints I submitted to your attention on, regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific items that I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00}
Product: Credit card

The company applied a large interest charge to my account and since that charge has been charging interest on top of the charge. I have tried three times to resolve this issue. Each time I have spoken with the company, they have sent me letters and said they have provided documentation that I agreed to the terms. They have not sent any documentation. I wish to settle this charge with penalties to me as they do not have any documentation that I agreed to the terms and are being dishonest. The last call I had with the client the woman boldly lied to me and said she was looking at the agreement I signed. I never signed an agreement, she then said she would send it, they sent nothing but letters that said there were enclosures and there were not. I called back multiple times and no one will call me back.
Product: Debt collection

I have contacted this company by certified mail 30 days ago requesting proof of debt belonging to me, contract bearing my signature and have received nothing from this company. I called and spoke with them over the phone, and they stated my requested needed to be done in writing which I did, and nothing was done or sent out. This company is past the alotted time by the fair credit reporting act and either needs to submit proof or remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

" I am disputing an inaccurate entry on my credit report by Zion Debt Holdings, which is reporting a debt to the credit bureaus despite my prior disputes directly with them. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), they should have ceased all collection activities until verification of the debt was provided. '' Details of the Inaccurate Entry : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$660.00} Date Reported : XX/XX/year> Reference Number : XXXX Summary of My Actions : On XX/XX/year>, I called Zion Debt Holdings to dispute the debt 's validity. 
On XX/XX/year>, I mailed a certified letter requesting debt verification ( see attached XXXX tracking ). 
Despite my request, Zion Debt Holdings reported the debt to credit bureaus on XX/XX/year>, without verifying the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank : XXXX - I have always paid this account online and I was not late on XX/XX/17. This was submitted by me personally through their online payment system. Therefore this payment was not late. Please remove from my credit report immediately!!
Product: Payday loan, title loan, or personal loan

I know these are tough times, I applied for a loan on XXXX, during this time I was stonewalled, send this, send that, even infuriating managers at branch I filled the loan out. Not sure but I detect discrimination, its only a XXXX loan. Was approved for XXXX on XXXX, now I find out on XXXX I was denied after being approved. Never seen anything like this in my life, yes or no usually takes 2 or 3 days at most.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 
15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

I also ask for a re-investigation and according to the term investigation consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
The credit agency has violated my rights to a proper investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account - XXXX XXXX  XXXX 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 an account without my instructions.
Product: Debt collection

The collection agency has entered a collection account on my credit report for a debt that is not mine. I have informed them this is not my account and they have not provided any written documentation to show this account belongs to me. When asked about how the account belonged to me, they responded that my XXXX XXXX was used to pay the bill, therefore the account belongs to me ( I have confirmed that XXXX XXXX has no records of this " supposed '' charge ). I sent a written dispute to XXXX on XXXX/XXXX/XXXX which still has not been reviewed or responded to as of XXXX/XXXX/XXXX Amount {$640.00} ( Original amount {$540.00} ) Collection Company is : XXXX XXXX XXXX XXXX File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I wrote XXXX XXXX a proof of validation letter on several occasions. XX/XX/2023, XX/XX/2023, and XX/XX/2023, in which they have responded to the XX/XX/XXXX letter stating that they performed an investigation and have already responded to my previous dispute ( completely untrue- I have noticed they don't bother stamping the certified return receipt slip to confirm receipt of the letter ) this is the first time that I have received any correspondence from XXXX XXXX ( if in fact it is XXXX XXXX who responded as their letter head has a different company name ) and they have failed to provide me with the information that I have requested. Nevertheless, according to the Fair Debt Collection Practices Act ( FDCPA ) debt collectors must provide validation of the debt if the consumer disputes it within 30 days of the initial debt collection notice. ( 15 U.S.C. 1692g. ) I disputed the debt for the following reasons. This is not my account ; the balance being reported is incorrect, this account does not belong to me. Per my request XXXX has not provided sufficient evidence that I owe this debt.
Product: Credit reporting or other personal consumer reports

I didn't authorize a XXXX card service. It charge for {$1200.00} and was opened on XX/XX/2018 I didn't authorize. Remove it from my credit
Product: Mortgage

Hi! We Bought our first home XX/XX/XXXX, and finally were leaving our lives with our XXXX kids in an peaceful environment where the kids were happy in school and new friends. we came from XXXX, NJ ( approximately XXXX population ) dangerous neighborhood where my kids bike were stolen from other kids twice. Long story short, 2 years ago we moved to XXXX, NJ, country town with only XXXX population. we are very happy here. XX/XX/XXXX we received a letter from out mortgage company, quicken loans saying that we had a shortage on the escrow of {$8000.00}. The weird part is that the last escrow analyzes last year resulted in a refund check to us of {$490.00} and I could not understand how they had gone for a year and a half in collecting the improper amount of taxes. Now they want us to pay everything they missed to collect all this time. I do n't mind paying but the way they want us to pay will affect us financially as it is already happening. Like I said before the fist option is to pay in full {$8000.00} and our mortgage payment would go from XXXX to {$2000.00} a month. we do n't have that kind of money, so this option is not good for us. second option was to pay over 12 months a mortgage of {$2600.00}. Its XXXX more then what we used to pay for our mortgage. This option also does not work for us. Mu husband works for XXXX. His weekly salary after all the discounts is {$XXXX}. After we received this horrible news from quicken loas I started looking for a part time job to help my husband but i still have n't found one that does n't affect my kids schedule. I understood that the taxes goes up but from {$6900.00} to {$7800.00} XX/XX/XXXX. But that would not be anywhere near the amount of the increase if they had been remitted the proper amount from the beginning of the loan. Where all these money they are changing us come from? Interest from their mistake and now we have to pay? Nad that do n't want to work things up with us and if we stay behind one month our credit is going poor now. Im straggling to make the payment on time and I do n't know what else to do. we are very happy here and never staid behind a payment until this nightmare started 3 months ago and I 've been trying to work things out with them and had no lock. you 're my only hope. Thank you.
Product: Debt collection

I moved into a condominium association on XX/XX/2021. Because homeowner 's association fees are due on the beginning of the month, I believed the previous co-owner had paid for XXXX. Once I alerted the management company for XXXX XXXX that I had moved in, I received an invoice for XXXX. Our bylaws state we have the right to dispute and I did so. In the meantime, I verified that I did owe XXXX  dues and subsequently paid them. By the time the payment had been received, my account had been sent to collections and Makower Abbate Guerra Wegner Vollmer PLLC also began tacking their own fees onto what I owed. I have been making my regular payments of my HOA fees every month. In every communication with XXXX XXXX XXXX and the collection agency, I have disputed their fees. By our bylaws, any dispute should be sent to arbitration. I have received no communication as to how to begin that process. Instead, in XXXX I was told by the collection agency that the XXXX XXXX XXXX XXXX had denied my request for arbitration. Again, by the bylaws, a dispute and subsequent arbitration is a right, not a privilege. The collection agency has also denied my request to be provided any information regarding said denial, stating it is attorney-client privilege.
Product: Credit reporting

I was not able to get a copy of my Experian or XXXX report online. 
There are errors on these reports that need to be removed.
Product: Credit reporting or other personal consumer reports

First called XXXX XXXX my address bar field and put it on my credit report. Second my fed loans satisfied XXXX, XXXX rebilled XXXX took income direvtly from my account. Then XXXX did it again and rebilled XXXX XXXX and again XXXX same amounts nonstop. None are applying for fed loans none. None should. Preformance so XXXX none want to attend a college.
Product: Debt collection

In XX/XX/2017, I ( XXXX XXXX ) paid an amount to Ford Motor credit to settle my loan. My vehicle was repossessed, and there was a large deficiency balance owing. We came to an agreement on an amount, I do not recall the exact amount, but it was around $ XXXX I was told if I paid this amount, my loan would be considered paid in full. I did this, they gave me a letter stating I owed them no further money that I will attach- and my loan reports as Paid in full to the credit bureaus. Last week, XXXX XXXX and myself received a notice from the IRS stating we failed to file a 1099C for forgiven debt. We had no idea this was a requirement, or that more monies would be owed to the IRS if we paid less than the actual amount on our loan. Ford Motor Company did not do their diligence as a company to inform the consumer there would be adverse affects and more money to pay if an agreement was made to pay less. We were told this was resolved. No further obligations. Now we are being charged {$3400.00} in back taxes for not filing the 1099C- Ford should have communicated this requirement to us, they did not. We want a letter from ford waiving the 1099C- as this was not properly disclosed.
Product: Credit reporting or other personal consumer reports

SUNRISE CREDIT SERVICES INC have asked you to validate the alleged debt you claim I owe, and all you have provided me is a letter dated XXXX with a reference number XXXX for an alleged account # XXXX for a balance of {$240000.00} which you can not prove is mine. 
You SUNRISE CREDIT SERVICES INC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
You failed to validate this alleged debt. 
You SUNRISE CREDIT SERVICES INC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations FDCPA 813 [ 15 USC 1692k ] Civil liability
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I presume that no proof of the allegedi debt, nor therefore any such debt, in fact therefore exist
Product: Checking or savings account

On XX/XX/XXXX I went to key bank on XXXX XXXX XXXX XXXX  in XXXX I was greeted by a teller name XXXX XXXX who told me I can not deposit this check in my account its a XXXXXXXX XXXX XXXX check address to me and the auto body shop which the auto body shop signed and stamped the check and endorsed it to me so she threaten me talking about she will call FDIC I told her go ahead its a legit check. So I left the bank and went to another branch XXXX XXXX and XXXX XXXX  away and deposit the check with no problem on XXXX XXXX half of the check cleared i went back down to the XXXX XXXX branch and tryed to with draw the fund and I was greeted with the same lady XXXX who told me I can not take the money out my account I so then proceeded to call customer service who told me the funds are available for me to withdraw I told her the lady at the branch does not want to give me my funds so I went to another branch once again in new XXXX who gave me the funds with no problem and told me the remaining of the check will not clear til XX/XX/XXXX I said okay. I proceeded a payment to my XXXX  XXXXXXXX XXXX XXXX  with my money that I had left in my account that was available which was XXXX after my withdraw of XXXX. The money was taken out my account on XX/XX/XXXX some how the teller XXXX cancel my XXXX  XXXX payment the money was put bank into my bank account and she flagged my account and its restricted. Now I contacted XXXX XXXX and told them that my account is restricted with the fund in it to pay the auto body shop XXXX XXXX claims her name is XXXX was on the line with me when we called the bank together they told her they dont want to hear what she has to say and hung up on us so XXXX XXXX agent forward me documents supporting the check so I can take to the bank I went to the bank on XXXX XXXX a notarized affidavit that the bank has gave me with all the documents that verify the check from XXXX XXXX that agent XXXX gave me. My account is still restricted and they dont want to give me my funds which are available now and saying it under investigation what are u investigating when XXXX XXXX submitted proof of the check and its showing cashed on XXXX XXXX end and hall are hood the fund in my restricted account.the form I showed her is not irises when I returned it back to the bank
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract and no signature
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my charges were expunged on XX/XX/2021. They should not appear on any background checks.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of late payments on my student loan account managed by Nelnet. I believe that the reporting of these late payments is incorrect and does not reflect my actual payment history. Furthermore, I have concerns that the reporting practices may not be in compliance with relevant laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. Account Details : Name : XXXX  XXXX XXXX Account Number : XXXX Servicer : Nelnet 2. Background and Concerns : I have noticed that my credit report contains several entries indicating late payments for my student loan with Nelnet. However, I have consistently made payments on time according to the agreed-upon schedule. The inaccurate late payment entries have had a significant negative impact on my credit score.

3. Relevant Legal Provisions : A. FERPA ( 20 U.S. Code 1232g ) : Under FERPA, the disclosure of students ' educational records without consent is permissible to certain entities, including " appropriate parties in connection with financial aid to a student. '' In my case, Nelnet, as the servicer of my student loan, is an entity involved in the management of my financial aid. My concern is that any disclosure or reporting by Nelnet that inaccurately reflects late payments could be in violation of FERPA provisions if such information is improperly shared or reported.

B. FCRA ( 15 U.S. Code 1681a ( 2 ) Exclusions ( A ) ( i ) ) : The Fair Credit Reporting Act excludes from the scope of credit reports information solely regarding transactions or experiences between the consumer and the party making the report, if such information is not accurately reflected. I believe that Nelnet 's reports of late payments do not accurately reflect my payment history and may therefore fall within the exclusions specified under FCRA.

4. Requested Resolution : I kindly request that the CFPB investigate this matter and take the necessary steps to rectify the incorrect late payment entries on my credit report. Specifically, I request : Correction of Credit Report : Immediate correction of any erroneous late payment entries reported by Nelnet to credit bureaus.

Verification of Compliance : Verification that Nelnet 's reporting practices are in compliance with both FERPA and FCRA regulations.

Confirmation : Confirmation that Nelnet has updated their records to reflect accurate payment history and has notified credit bureaus of these corrections.
Product: Credit card

XXXX XXXX I spoke to a lady named XXXX  XXXX And was told that there is no or never have been a XXXX form for me and that the only thing I can to is pay cash
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 Amount of {$1400.00} marked XXXX XXXX XXXXXXXX has refused to remove this from my credit report.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX PennyMac Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute of Misapplied Payments, Unjust Late Fees, and Harassment Dear PennyMac Customer Service , I am writing to formally dispute the misapplication of my mortgage payments, unjustified late fees, and continued harassment through unnecessary property inspections and additional fees. 

Details of the Dispute : Misapplied Payments I made a timely payment on XX/XX/XXXX for my XX/XX/XXXX mortgage. However, instead of applying my payment to the XXXX installment as intended, PennyMac applied a portion of my funds to disputed late fees and directed the rest toward my principal. 

Unexplained and Excessive Late Fees I have been charged {$1500.00} in late fees, and when I requested clarification, I was simply told to review my statements. My statements confirm that my payments were made on time, and I find these charges to be unwarranted and excessive. 

Contradictory Information from Customer Service I was given conflicting explanations for these fees. First, I was told that a slight increase in my insurance caused an automatic payment shortfall. However, the penalties imposed far exceed the minor shortage. Despite my multiple disputes, these charges remain uncorrected. 

Failure to Apply Payments as Promised I was assured on XX/XX/XXXX and XX/XX/year>, that my payments would be properly applied. This has not been done, and my account continues to accrue additional, unnecessary late fees. 

Harassment and Unwarranted Property Inspections I am being repeatedly harassed by PennyMac regarding these disputed charges. Additionally, PennyMac has been sending property adjusters to my home without justification and charging me for unnecessary property inspections. These visits are intrusive and result in additional fees, further worsening my financial situation.

Requested Resolution : I am formally requesting that PennyMac take the following corrective actions immediately : Properly apply my XX/XX/XXXX payment toward my XX/XX/XXXX mortgage. 

Remove all erroneous late fees and property inspection charges from my account. 

Cease any further property inspections and harassment regarding these disputed charges. 

Provide a written confirmation that my account has been corrected and no further late fees or penalties will be assessed. 

Failure to resolve this issue promptly will leave me no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I will dispute any negative impact on my credit report with the major credit bureaus if this issue is not corrected. 

Please provide a written response within 15 days confirming the resolution of this matter. If I do not receive a satisfactory response, I will take further action. 

Sincerely, XXXX XXXX XXXX Enclosures : Bank Statements ( Showing Timely Payments ) Mortgage Statements ( Showing Misapplied Payments, Late Fees, and Inspection Charges )