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

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

My husband and I have been XXXX owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with XXXX. Most recently, we both upgraded to XXXX, and I elected to turn in my XXXX XXXX XXXX after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from XXXX ( XXXX sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. 

I called XXXX XXXX XXXX and the manager indicated they are not able to help me. 

I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. 

I emailed XXXX XXXX and they referred me back to XXXX XXXX. I 've emailed XXXX XXXX earlier today and am waiting to hear back. 

I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) XXXX only sent one notice ; and C ) This company who XXXX has agreed to do business with has the ability to impact my credit wont return my calls. 

I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18 months with this car, what the issue might be. 

Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.
Product: Checking or savings account

I was offered via mail checking account promotion by BB & T for XXXX rewards if I had certain amount of direct deposits. The deposits requirement have been met and continue to be deposited. Account was opened back in mid XX/XX/2018. I asked about my rewards and I was told it takes certain amount of time which has been far past at this time. 

The offer code was XXXX sent to me via mail and I have visited the branch as well pertaining to the issue. I also had email conversation with a bank rep few times with no solution as their marketing is still researching it. I sent my first email on XX/XX/2018 after I had visited the branch and not getting the promised contact with the resolution. Got a response on XX/XX/2018 but no solution. I emailed again on XX/XX/2018 and got a response on the same day stating the market marketing is researching it and I will be informed on the status. I have not received any updates since then so I emailed again on XX/XX/2018 and to this day I have no updates on the issue.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX account was open fraudently in my name. I have never opened an account with them and this has affected my credit negatively. I dont know where the card was opened up at and where it was used.
Product: Credit reporting

Equifax is reporting that my account with XXXX XXXX / XXXX which was owned by XXXX XXXX at the time of the reported late payment in XX/XX/2014 and later sold to XXXX. XXXX is reporting the late payment information. I have spoke with XXXX XXXX and they state they have corrected the mistake and are reporting the account to XXXX as paid on time. XXXX is reporting it as paid late and I can not get any information from them because they did not own the account at the time it was reported late.
Product: Vehicle loan or lease

On XX/XX/XXXX, I spoke to the financial westlake financial servises, to request an extension of payment, since on XX/XX/XXXX I have to pay it, I explained that the company for which I work closed due to the pandemic of the coronavirus indefinitely, I explained to them that I could not have my payment since that company only paid us a week of salary, the person who attended me by phone told me that I had to pay {$50.00} dollars to make the application for the extension so that they would approve it, pay the amount that was asked of me and I was calling said finance company daily and they had not solved anything for me, it was not until yesterday that I called again and they told me that the extension that they only give me 10 days after the day that I have to pay, I told them that I can not pay them that day then they told me that if I do not pay that day for the month of XXXX I would have to pay the month of XXXX and the month of XXXX, to which I replied that I was not going to to be able to make both payments because I do not know what day I would return to work and besides I have food and rent expenses. They just told me that nothing can be done, help me thanks
Product: Debt collection

On XX/XX/XXXX I received an alert from my credit card alert that an inquiry was placed on my credit report. The creditor was a collection agency from Sunrise credit. I called the number that was attached to the inquiry because I did not recognize the account. A representative said it was from XXXX XXXX XXXX XXXX  and they sent me a letter, which I did not receive. I told the representative that I moved out of state and did not receive the letter. She said that it was from XXXX XXXX XXXX and I have to pay it and I asked her the amount of the debt and asked can she send me the details. I did agree that I use to have XXXX XXXX XXXX but the amount mentioned was not correct so send me details. She said if you know you owe them than you had time to pay before it came to their office. I explained that I moved and did not receive a call nor letter from anyone in last 8 months. I did mention I owed XXXX XXXX XXXX {$400.00} not {$800.00} and I was willing to settle for the {$400.00} and she said no because I had time. So I said I will not pay until she send me details and she said it will continue to report even if she sends it. Remind you, I called and I gave them my updated address .. next day I received another inquiry on my credit on XX/XX/XXXX so thats 3 times within one week on the same credit bureau XXXX and the other two credit report companies as well. I feel this is illegal and a threat because I called and ask for details on debt and I was willing to settle and sunrise said no. So I feel they attacked my credit report illegally and did not contact me appropriately before placing debt on my credit report. If they contacted me when they received the debt and I refused to comply than I can understand their reason BUT since NO communicated with me, than definitely no acceptable for what transpired. Please have inquiry removed immediately! They should NOT handle the situation the way they did.
Product: Credit card or prepaid card

Credit card is due on the XXXX of every month. I am going through a hardship at the moment ( month of XXXX 2022 ). My credit card payment is NOT 30 days late however this company CitiBank has called me more than 30 times in the last 15-20 days!! Leaving voicemails and back to back calls
Product: Debt collection

When I was married my ex wife and I we get a car so I'm the principal, then we get divorced and we signed a paper when I'm not responsible for any action of that car, and my ex wife didn't pay, miss payments, incomplete payments, back pay, but now they called me that he dealer get the car and they sold it already on a auction, but my question here is, they can sell the car with out my signature? Because I'm the principal on the loan, and they said that they sold the car on {$9000.00} dollars and some so they said that the balance is like {$14000.00} and they said they willing to work with me and they discount me like {$4100.00} so that's normal that they sell the car with out my signature? So they asked me to pay in full in 6 months, almost every time when my ex didn't pay the monthly payment they send me a letter when she miss pay and this time when they went to pick the car up and they sold it on some auction, they didn't called me or letter or nothing, but now they calling me to pay the difference of the money, what should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was diagnosed with XXXX and XXXX during the pandemic, and my condition made it difficult to manage my finances. Recently, I found high balances reporting on my credit report from my credit cards. However, all of my credit cards are charged off, and I am unable to dispute anything with the credit card companies. I feel stuck and hopeless due to the debt under my name, which has led me to feel anxious and XXXX. I have read online that I can try to dispute with the credit reporting agencies to remove the negative items from my credit reports. I have found the right medication to treat my condition, and I am now hopeful that I can finally put this chapter of my life behind me. I am reaching out to the credit reporting agencies for assistance so that I can find relief and peace of mind. 
please see the attachment
Product: Debt collection

They are reporting an extremely ridiculous amount that i do not owe.
Product: Student loan

Improper Forbearance Steering, Missing Loan History, and Financial Harm Dear CFPB, I am submitting this complaint regarding improper and deceptive loan servicing practices by Navient and now XXXX, which have caused ongoing financial harm. After Navient transitioned my loans to XXXX, my complete loan servicing history has been lost, and I am unable to verify critical details regarding payments, forbearance periods, and accrued interest. 

Issue Overview : While Navient serviced my loans, I frequently contacted them for assistance during financial hardship. Rather than offering XXXX XXXX ( XXXX ) plans, which would have been a more appropriate solution, Navient steered XXXX into forbearance repeatedly. This practice increased my loan balance significantly due to capitalized interest and prolonged my repayment timeline unnecessarily. 
After Navient transferred my loans to XXXX, my detailed servicing history disappeared, leaving me with no way to confirm the accuracy of my loan balances or repayment status. 
XXXX has continued to offer forbearance as a default solution without properly guiding me toward XXXX plans or forgiveness options. 
XXXX XXXX : XXXX XXXX XXXX : I no longer have access to my servicing records under Navient, including payment details, forbearance periods, and accrued interest, making it impossible to verify the legitimacy of my loan balance. 
Inaccurate Credit Reporting : Despite being in forbearance, Navient reported XXXX late payments, which remain on my credit report and continue to harm my credit score. 
Ballooning Loan Balances : Due to repeated forbearance periods under Navient, my loans accrued significant interest that was capitalized, unnecessarily increasing my total debt. 


Context and Legal Precedent : These issues are consistent with the deceptive practices outlined in XXXX {$1.00} XXXX multi-state settlement in 2022, which confirmed that borrowers were frequently steered into forbearance instead of XXXX plans. The transition of loans to XXXX has compounded the harm by erasing loan history and perpetuating poor servicing practices. 

I respectfully request the CFPBs assistance in resolving this matter promptly, as the financial and credit damage caused by these practices continues to affect my life. 

Thank you for your time and attention. I can be reached at [ Your Phone Number ] or [ Your Email Address ] for any further questions or clarifications. 

Supporting Evidence ( Attached ) : Recent credit report showing inaccurate late payment entries. 
Correspondence with XXXX regarding ongoing forbearance offers. 
Documentation of financial hardship during the forbearance periods. 
Sincerely, XXXX XXXX XXXX Attachments : Credit Report Screenshots Correspondence from XXXX
Product: Debt collection

I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX XX/XX/XXXX XXXX on XXXX XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 describes a finance charge was the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XX/XX/XXXXXXXX took cash.The finance charge is supposed to include insurance but XXXX XXXX XXXXXX/XX/XXXX XXXX made me purchase insurance separately. Pursuant to 15 USC 1635 I was never told I had the right to rescind within three days nor was I given all of the notices that come along with all consumer credit transactions. This has caused great harm against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

All  XXXX  credit bureaus are susceptible to allowin g    XXXX   XXXX   to show incorrect information. I 've tried to tell the credit reporting companies a nd   XXXX   XXXX   a million time s, tha t    XXXX   XXXX   debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still shows a  XXXX   XXXX  etc., which is not accurate.
Product: Mortgage

apparently, they got my information from XXXX XXXX when I was trying to find interest rates for Tennessee and they keep badgering me despite my asking them not to.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, TNXXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Original XXXX Balance : {$6800.00} XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$5400.00}.
Product: Debt collection

I am not aware of these charges and no invoices and work done has been submitted to me.
Product: Credit reporting or other personal consumer reports

The company, XXXXXXXX XXXX XXXXXXXX XXXX, claims that I and my dad are joint account holders on my mom 's credit card account. My mom passed away last year, XX/XX/XXXX2024, and since then we have obtained a court order of Year 's Support, signed by a probate court judge, declaring that my late mom 's estate is empty. This order was filed XX/XX/XXXX2024. XXXXXXXX XXXX claims that my dad and I are joint account holders, which makes us liable for the credit card balance of {$21000.00} as of last XXXX. Neither myself nor my dad has ever signed a joint account holder agreement, but it is XXXXXXXX XXXX XXXX contention that we are signatories on documents they have and they will not share copies of these documents. After several times on the phone with them, my dad did get XXXX representative to describe the signature purported to belong to me. What she described has no correlation whatsoever to my handwriting style. It is my opinion that if such a document even exists, it was my late mom who signed both our names to the joint account document without our knowledge. At XXXX point, another representative said he would file a fraud claim on our behalf for signature identity theft. This claim was dated on XXXX XXXX, 2025 and was subsequently denied by XXXXXXXX XXXX XXXX  fraud department. The disputed amount is appearing on both my and my dad 's credit report scores, and it is preventing me from getting an apartment due to the bad credit from this unpaid account. We wish only to have this removed from both of our credit reports, as we have never signed such an agreement.
Product: Checking or savings account

In late XXXX, I went to Capital One bank in person to open a company account. Shortly after, I received an email confirming the account had been opened. Because the business account I wanted to open required a balance of over {$20000.00} each month to avoid monthly fees, I deposited over {$20000.00} gradually. However, when I logged into the app, I found that my account had inexplicably been frozen. The bank did not provide any notification. I visited the branch multiple times, but the staff informed me that I could only contact them via phone. Upon contacting customer service over the phone, I was told to wait for an investigation. The cash I deposited was earned from my company 's operations, and all transactions were made under my name. Despite this, my account was mysteriously closed, and I have not received my money for over a month now. This situation has significantly impacted my life, as I rely on this money for various expenses and bill payments. I have been worried and anxious for a month because the bank has not provided any resolution. I have visited the bank numerous times, and the attached screenshot is from my recent login, showing the date and account status. I am deeply troubled by the inconvenience caused by the bank. I believed that depositing money in a bank was safe, but it seems like my funds have disappeared without explanation. 
I've seen other internet users encountering the same issue, where their money was treated as fraud and taken by the bank. I am genuinely very afraid. This money is legitimate, and I have friends who can verify its source. The bank shouldn't treat a newly opened account this way. Please, I urge you to help me.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

XXXX XXXX XXXX THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.
Product: Credit reporting or other personal consumer reports

It currently shows that I owe an alleged debt with XXXX. I have no idea who these debt collectors are. There has been no provision of an original contract or binding agreement complete with signature between myself and the alleged debt collector. On a report of credit that is connected to me, it shows that XXXX aka XXXX, has an account connected to my personal information that is open and current. That is misleading, misguided and an inaccurate. It is an egregious abuse of misinformation, and a theft of identity as they have my personal information without my permission or consent. It is a gross misconduct and abuse of the practices as a debt collector and should not be tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act. This also shows that before allowing misinformation and inaccuracies to be allowed on a report of credit connected to me that all credit reporting agencies and bureaus did not investigate properly before allowing these negatives remarks and balances to be placed on said report.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with the access and privilege to my identity, STOLE my identity credentials from my unemployment profile and with the assistance of dishonest US Bank employees created a fraudulent prepaid government assistance US Bank debit card account and backdated it to XXXX 
At that time I lived in XXXX XXXX, and never had a card for unemployment benefits from US Bank. I only had a XXXX XXXX US Bank card that I never used as well. I NEVER applied for unemployment assistance in XXXX XXXX  ; hence there should exist no such card for it was not ever solicited or initiated by me. XXXX XXXX never deposited any money on this newly made backdated fraudulent account. 
Both of these authorities have abused me and my identity profile through XXXX XXXX XXXX data base, and canceled my legitimate prepaid card ( in my possession still from US Bank from XXXX XXXXXXXX ). Then they tried to force me to use the XXXX from XXXX XXXX that was NEVER IN MY POSSESSION, nor solicited by me. I have a canceled card now that should have never been tampered with by any employee. I have had only XXXX for XXXX anywhere. No one is fessing up to the fraud made by US Bank using the XXXX XXXX XXXX XXXX presumably by the only unemployment office with a profile for me. The only one I have ever initiated contact with here, in my home state, XXXX 
I have never applied for unemployment in XXXX XXXX and was never issued such a card in XXXX. I keep records of everything. I had not even worked enough in XXXX to claim those kind of benefits or sign up for the US Bank prepaid card. On top of that XXXX XXXX  ended their card services with ( US BANK ) in XXXX Since I was unable to make such a claim for such benefits, and I can truthfully attest I never had a card for Unemployment in South Dakota issued to me EVER. 
The audaciousness of the dishonest banker who tried to direct deposit my funds from XXXX XXXX into an account I did not possess a card for from XXXX XXXX, after I just reported the fraud to her, is unbelievable. I reported fraud and she still tried to force me to use the US Bank card from XXXX XXXX not in my possession. What the XXXX is going on? These XXXX institutions ( employees of ) both canceled my legitimate US Bank card I did have rightful possession of, and tried to force me to use the fraudulent account. Then they both played pass the buck games by saying they need identity verification, for a month, and then ultimately REFUSED to resolve the issue, forcing me to accept checks because of my reluctance to create an online account for XXXX XXXX I have been unjustly punished by both US Bank and the identity thieves hired by both establishments.