23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

First of all, my wife opened this account for special financing on her XXXX XXXX in which we setup the account for her paying {$150.00} each month from her credit union then I also decided to help make extra payments of {$87.00} from my bank account to help achieve the special interest free rate for her XXXX XXXX for 18 months! 
On XX/XX/XXXX ; we have observed that {$230.00} was taken out of BOTH accounts as we attended to the special rate and assumed 18 months interest free to help pay it off! 
After the first month we double checked to make sure that {$230.00} was taken out to achieve the special rate of interest free for 18 months! 
For some apparent reason ( after the first payment of {$230.00} taken out ) ; someone decided on their own ( Wells Fargo end ) to only take out {$150.00} TOTAL for payments on the account ending XXXX! 
Dont understand that I setup a payment of {$87.00} ( payment from my bank account as an extra ) was credited but ONLY {$63.00} was taken out of XXXX credit union instead of the {$150.00} ( which we were unaware ) as we planned on the special interest rate for the XXXX XXXX XXXXor 18 months! 
Needless to say, my wife informed me in late XXXX that her account was still deducting {$150.00} since XX/XX/XXXX! 
How is that possible when it was paid off in XX/XX/XXXX ; believed we had special interest free for 18 months financing? Then we discovered what had happened with the mix-up on payments! I immediately called WELLS FARGO and it finally was address to you! 
We would like to ask you for reconsideration for total payment made in FULL of {$1000.00} ( Balance is XX/XX/XXXX = {$1600.00} plus payments of {$600.00} in XXXX. 
After numerous calls to executive personals~ two of them ~~~ first one would NOT return my calls ; second one emailed once but sent a letter out US postal ( not received ) then called again yesterday and was told to pay {$1300.00} by XXXX XXXX to close this account! 
I figured we are paying an extra {$780.00} interest/finance charge for 18 month interest fee for XXXX XXXX purchased! 
I have had couple of loans through Wells Fargo with no issues and attempted to help my wife credit score raised but someone at Wells Fargo decided to change the payments that was set up on their own without permission then raised the deduction back on their own to continue paying original amount! We feel it was not our fault on their changing monies deducted on their own and we are being penalized for it! 
We are definitely tired of dealing with this fiasco and might send the check to payoff this excessive fees with Wells Fargo does NOT want to help XXXX XXXX in any way or form! 
PS : Still waiting for letter from second executive via US Postal Service which was mailed XX/XX/XXXX
Product: Student loan

I submitted a one-time online payment totaling {$5200.00} to my student loan account spread out over XXXX loan groups on XX/XX/2023. I received a confirmation email, including confirmation numbers for each loan group, from Nelnet on XX/XX/2023. As of XXXX, XX/XX/2023, the money for that payment has not been taken from my bank account nor credited to my Nelnet account. On XX/XX/XXXX I called Nelnet and, after waiting on hold for an hour and a half, the representative I spoke to was able to locate the pending payments by using the emailed confirmation codes. The representative informed me that the department handling the one-time payments was overwhelmed and that I should expect the payment to post no later that XX/XX/2023. The representative also informed me that the interested accrued from the time I submitted the payment to the payment being processed and posted to my account would not be applied to my account. It is now XX/XX/2023, over XXXX weeks from the initial payment, and there is no pending payment visible on my online Nelnet account and the money has not been debited from my bank account. I have received no correspondence form Nelnet regarding the delay, and I've left in limbo with a large sum of money in my bank account without any concrete date for the money to be debited and posted to my Nelnet account. The lack of proactive correspondence from Nelnet when such a large sum of money is involved, and the delays associated, has been incredibly stressful.
Product: Debt collection

I found out that there was debt {$470.00} on my credit report so I contacted the company AmeriFinancial Solutions LLC list on XX/XX/XXXX. I verified my personal info and was told the debt from XX/XX/XXXX was for a hospital. I explained that I was unware of this bill and to sent me proof. I was told that a letter would be sent to me and I could send it to my insurance. A month later I XXXX XXXX, XXXX I reached back out because I had not received any documentation from them about the debt. I was told by the company that they would not be sending any documentation until I made a good faith payment. I stated that I didn't believe the debt was mine and needed proof. I contacted the credit bureaus to debt this debt, however they keep claiming the debt is mine would out sending proof besides only verifying my D.O.B. and SSN I have not received any written communication from AmeriFinancial Solutions LLC at  all. I believe this to be fraud. This is a deceive practice to not verify and show proof but request payment. As a result my credit has been impacted. I have tried contacting the Hospital in XX/XX/XXXX directly however I am being told that the record is not longer accessible and that I must contact the collection agency.
Product: Debt collection

After successfully completing my adult education and securing a career that allows a salary to begin paying back my school loan debt to the Dept. of Education, I shared a long call with the collection client handling my account with the Dept. of Edu., named Immediate Credit Recovery , Inc. During the call, I was able to secure a monthly payment plan of {$500.00} on the correct amount of debt owed of {$57000.00}. 
On both the government letterhead and the collection company 's letterhead, this is the correct amount shown as due and to be collected. All seemed great, now. I had talked with them, worked out and began paying on the re-payment plan, and was so happy to have the better career and paying back what was borrowed. 
Then, in XX/XX/XXXX, the collection agency sends a new letterhead with an unexplained new amount due, {$68000.00}. No explanations, just quietly changed the amount due to a nearly {$14000.00} extra profit on their part. I called and talked with a person with the collection complaint department for my state, and he carefully explained that unethical collectors will, sometimes, change the amount due. The idea is that since the agreement has been made, most people just stay locked into making their payments and forget about the loan. I saw a XXXX XXXX episode, where he said the same thing. He implored people to save every piece of writing from collection companies and compare for changes. He and the person from the state were right. I was happy n content that I had an agreement and was making payments as planned. But, luckily, I looked at the statement, and without notification or explanation, they added {$16000.00} +/-. 
I have all documentation from the Dept. of Education to show the correct amount due, and from the collection agency, that showed the correct amount then the increased amount, too. All on letterhead from the company. 
I was so proud to have been successfully paying on a target debt amount and watching it go down. Now, such devious behavior that was mentioned on XXXX XXXX show and by the state dept. of consumer affairs has happened to me. I 'm proud to have used my school loans to better my career and to have begun faithfully paying it back. But, such changing of numbers has hurt my encouragement. Just like the XXXX unethical changing of numbers and overcharging, Immediate Credit Recovery has had many complaints filed with other states and agencies, as I learned from talking with them. Please help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct number 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 a account without my written instructions XXXX XXXX  Acct number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX, 2021, I sent out a letter requesting Experian XXXX and XXXX XXXX XXXX XXXX to validate a medical collection item for {$380.00}. 

In response to this letter, the collection agency ( XXXX XXXX XXXX ) responded with a debt collection letter as well as a full copy of the bill with a full description of the services provided to me without proof that I signed an agreement to release my information to them. 

Experian XXXX sent a response stating that " the company that reported the information has certified to Experian that the information is accurate ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on your report ( incorrectly shows account still open, inquiries from institutions I never used. ) XXXX  i very screwed up ... .Equifax Compromised my private info including SSN in the largest breach in history. All 3 have inquiries that i never authorized and its affecting my score.

I am getting turned down for prepaid debit cards ... its ridiculous XXXX  is best or most accurate of the 3, Equifax is 2nd ... .New player is XXXX ... out of Pennsylvania..do n't know how to get their report.
Product: Credit card

Citi mistakenly added a {$9200.00} balance on my credit card and has not removed it. On XX/XX/XXXX, I made a payment to a merchant called Ingenes in the amount of {$4600.00}. On XX/XX/XXXX, I made a second payment to the merchant Ingenes in the amount of {$9200.00}. This was foXXXX XXXX XXXX. I ended up cancelling the service and filed a dispute with Citi. Over the course of three months, Citi investigated my dispute and put conditional credits on my card and then reversed them. I withdrew my dispute for both charges on XX/XX/XXXX, because the merchant refunded me. On XX/XX/XXXX, Citi reversed a second {$9200.00} amount on my card by mistake and now it shows that I owe Citi that {$9200.00}. I confirmed with the merchant that this extra charge did not come from them. I then called Citi and escalated this to a supervisor on XX/XX/XXXX, and spoke to " XXXX '' Reference # XXXX, where I recorded the conversation. Citi admitted to the mistake and said they would remove the charge by XX/XX/XXXX. To this date, Citi has not removed the charge and now my balance is {$9500.00} because of the interest. Citi has not communicated with me or sent a letter to me that they said I would receive. My next bill is due on XX/XX/XXXX, and this needs to be removed so I don't have to make a payment on a balance I do not owe.
Product: Debt collection

Dear Bank of America, I am writing to express my deep dissatisfaction with the way my credit card account has been handled by your company. As a consumer, I expect to be protected by the laws and codes that are in place to safeguard me from debt and financial instability. However, I feel that your company has violated these protections in several ways. 

Firstly, I am currently not able to work due to medical issues, and I have been struggling to make my credit card payments as a result. Despite my efforts to explain my situation and request assistance, I have not been provided with any viable solutions. Instead, I have been subject to aggressive collection tactics and have received threatening letters demanding immediate payment. 

Secondly, I recently closed one of my credit card accounts with your company, only to find that the interest rates on the remaining accounts have skyrocketed. This sudden increase in rates has made it even more difficult for me to keep up with my payments, and I believe it is an unfair and unethical practice.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, they are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/2016 the company listed in the attached letter showed up with collection amount in my credit report. Since I had never had contact with the company I did n't know ( and I still do n't know ) the reason for the collection account. I called the company asking for a verification of the debt and instead I received a collection letter asking for payment but no validation of the debt. I sent the company a letter requesting verification of the debt. To this day they have not responded to my request. In addition, the company is not legally authorized to collect debts in North Carolina.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account : XXXX XXXX XXXXXXXX My car was totaled in XXXX. I was never late for a payment and was even paid out positive equity through a check. This account was paid and open, however 4 months later, an additional remark stating 'early termination/insurance loss ' was added to the account and its status changed to 'paid and closed '. This has caused my XXXX credit scores to drop by roughly XXXX points. It is showing on my XXXX that I have late payments, when as can be proven through a thorough credit check, I have never paid any account late. After researching and speaking with finance professionals, the way the remark is worded ( early termination/insurance loss ), has tricked the XXXX algorithm into thinking I have been a bad debtor. The account is paid and closed and has never been in collections ; I would like this account removed from all of my credit profiles because of its false and negative effect on my credit score, which is rendering me from financial freedom. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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: Credit reporting or other personal consumer reports

Upstart has repeatedly misrepresented and falsely reported payment history. Information on my account with them to XXXX credit bureau experial entrancing credit bureau multiple times over the last twenty seven months. Upstart is engaging, and this deceptive credit practices in violation with FDCPA and is deliberately sabotaging my credit score blatantly misrepresenting current payments as late progress made with positive reporting of my payment history. It has repeatedly reported changes to payments received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Please investigate Upstart credit reporting practice as they are deliberately causing irreparable harm to my credit. Furthermore the payments on Upstart website were on time and in deferment.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had requested forbearance in XX/XX/2020 and was approved through XXXX ( Loan servicer ). Per the forbearance, I did not have to pay XX/XX/2020 and XX/XX/2020. However, I continued to make payments through the forbearance. In XX/XX/2020, the loan was paid off as I refinanced with another lender. The payoff added the {$1900.00} that was supposed to be the amount I owed had I not made the payments through forbearance to the payoff quote. They double charged me and after several calls and countless hours of phone conversation, they were not able to help me. 
Please let me know if you need more information and I am glad to provide.
Product: Mortgage

PNC Bank has repeatedly failed to close an old HELOC and remove the lien on my property, despite numerous assurances since XXXX. It os preventing me from obtaining more advantageous financing from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with Personal Finance in XXXX Kentucky. It was not my first time borrowing money from this company and had a positive experience and on time repayment record with the lender. Shortly after I took out my second load with Personal Finance in XX/XX/2017, they were purchased by Mariner Finance, in XXXX or XXXX of the same year. Mariner Finance closed the office where I made my payments. They made no attempt to communicate with me the new payment location or how I was supposed to make payment to now a completely new loan. When a new loan officer called me, I was late on the loan, for that one month only. I paid the loan up immediately and ultimately paid off the loan early to avoid any other issues with the new lender. I have tried to resolve this issue with the lender several times. I did not change where I made my payments, I did not change my loan details, I did not close the office with no forwarding number.
Product: Money transfer, virtual currency, or money service

I was Scammed by an impersonator posing as my landlord and his attorney into sending rent payments to a Navy Federal Credit Union account belonging to the claimed attorney named XXXX XXXX. After discovering the individual posing as my landlord and his attorney was an imposter, I notified my bank and the police, but Navy Federal Credit Union said they couldnt freeze or recall my funds.
Product: Debt collection

At XXXX, I received a call from Hatfield Portfolio Group. ( XXXX important because I 'm a shift worker and was sleeping ). When I asked what kind of business they were, they were vague and avoided answering and immediately started in with a list of names ( all with common last name, mine ), to see if I knew any of them. When I pointed out it was XXXX, he stated it was XXXX where he was. When I pointed out he was fishing for information, he hung up.