23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was trying to sell a washer and dryer on XXXX. There was a buyer who said he would pay me on Zelle. I hadnt used it before but Id seen it on my banking app so figured it was safe. The buyer sent me the {$280.00} on Zelle, and I got an email that appeared to come from zelle saying I received a payment but that my account hit its limit and the buyer had to send {$200.00} to my account to raise the limit and I needed to send {$200.00} to them and send a screenshot to prove I did so. After this I got an email saying I had to send an additional {$300.00} because the verification failed. At this point the {$300.00} transfer was put on hold and I was alerted to contact my bank. I did so and was informed it was a scam. I continued to receive messages from the buyer demanding his money. He sent me screenshots of bank transfers from his account with his name to my name. All of this was done through my banking app not a third party app. When I tried to download the zelle app it said I had to go through my banking app.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX made up a dishonest bill after moving out as we were not present upon exiting. They claim the room smelled, which it did not. made a {$260.00} charge for a XXXX cleaning, but never mailed me a bill, for me to dispute, then placed me in collections for none payment. National Credit systems in Georgia put me in collections with out verifying that a bill was ever sent, in fact the copy they sent me has there own address on it. I was never contacted, never given a chance to dispute anything. XXXX   scams students not present at sign out, many kids we spoke to agree, some charges get dropped after seeing pics, Then they send Hundreds of accounts over to National credit systems whom do not verify the contact info, nor check accounts for proper procedure. And claim it does not matter, just pay it, as per XXXX XXXX, a collections rep. Told me he has thousands of these cases. They should never have marked a exceptional credit report with out contact, even thought the charge is a scam.
Product: Debt collection

As of XX/XX/2020 company has reported a charge off as a bad debt, thus damaging my credit report. I previously reached out to company to inform them that I do not owe any debt and any attempt to collect a debt from me or damage my report would be fraudulent in nature and according to the FDCPA I am the consumer pursuant 15 USC 1692, and I do NOT owe any debt. According to the Truth In Lending Act ( TILA ) pursuant 15 USC 1602 ( l ) a " credit card '' is defined & the " social security card '' is validated as a " credit card '' I have never provided my social security number or card for any line of credit from this company, and even if I did, I am an administer agent pursuant 15 USC 1602 and upon the request of the Social Security Administration I am to immediately return the Social Security Card, therefore I do NOT owe any debt attached to the card pursuant 18 USC 8. This company has refused to validate any debt owed by investigating family, associates, and/or neighbors pursuant 15 USC 1681 ( a-e ).
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$64.00} XXXX  XXXX XXXX Balance : {$53.00} XXXX XXXX Balance : {$19.00}
Product: Debt collection

Ive been trying to get this deleted from my report I never had the card it was stolen from me I disputed couple times and no resolution have been made
Product: Student loan

aidvantage 's response was nonsensical. aidvantage is to update my address to the same address I have used for the last XXXX years. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Student loan

I have student loans through Navient ( formerly through XXXX XXXX ). I have consistently submitted paperwork for income based repayment before the due date. They have not responded in a timely manner ( sometimes 2-4 months after paperwork is submitted ) so I have huge late payments and fees that are added onto my loans. This last time I submitted income based repayment application, it was submitted well before the due date and I spoke with a representative to get exactly what proof would be accepted. After the previous IBRP expired, I was informed the paperwork was illegible. I finally was able to contact a representative who told me that the proof was fine, it just needed to be signed by my husband because it 's his income. Because of their poor customer service and innaccurate responses, I 'm charged late fees and have more money being added to my loans. When I graduated in 2006, my loan balance was approximately {$46000.00}. It is now nearly {$60000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car with my girlfriend and received a loan in XXXX of 2017 from XXXX XXXX. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the XXXX major credit bureaus. XXXX, XXXX and Transunion are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, Transunion and XXXX shows the balance on this account as {$22000.00} and XXXX shows the balance as XXXX. Now how can this be? But on my girlfriends credit report, Transunion shows a balance of something different! 

It's only one or the other, how can there be XXXX different balances on the same joint account? I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? 

I don't know what else to do in this situation. Please help! 

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!
Product: Student loan

I sent a letter to Great Lakes XX/XX/2022, which they received. I requested the original instrument of indebtness and a certified statement confirming and affirming that the original note had not been sold.

They have not responded, which means they dont have it and i explained to them i have the right

to request it based on the Freedom of Information Act... This is my 2nd attempt. If they cant provide the document, it must be discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and I. I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through Harley Davidson. The amount agreed upon was {$2000.00}. The payment was received by XXXX who then released the funds to Harley. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my XXXX and my XXXX. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and Harley the original creditor. I have now filed disputes with XXXX XXXX XXXX 3 separate times. The first two times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that Harley Davidson stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX children. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have disputed by mail and by phone also online with Transunion about a public record on my report chapter XXXX Bankruptcy. They have stated that they verify though XXXX XXXX  so i disputed through XXXX XXXX and they removed it yet Transunion say they are still veryfying through XXXX XXXX spoke with Transunion and they said the courts do not report to them. I want this removed!
Product: Debt collection

This company is fradulant trying to collect a debt that isn't owe to them.This same debt is with two different collection services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a card with XXXX  XXXX for a while and they are misreporting delinquincy on my XXXX  XXXX XXXX  and XXXX XXXX. I have tried to dispute it and they will not take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to Transunion stating that i did not give authorization for these companies to pull my credit and i had been a victim of identify thief before i even supplied the police report and ask them how did they verify these inquiries and i still have not gotten a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-2020 Ive mailed dispute to the credit bureaus certified XXXX2020 Ion day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still reporting.
Product: Mortgage

I refinanced my home the loan to AmeriHoME mortgage was paid in full. In my escrow account I had {$5600.00} which AmeriHome has to return to me within 21 days per law. They mailed a check dated XX/XX/XXXX for the amount of {$5600.00} I never received the check but I was told by AmeriHome that it was cashed. AmeriHome emailed me a copy of the check. I informed them it wasn't me and filed an " research case '' in order for them to look into it on XX/XX/XXXX Via fax as told by the customer service representative. In the fax I included my ID and my Husbands ID, a copy of the police report that I filed with XXXX XXXX XXXX XXXX, a copy of the canceled check AmeriHome provided me and a statement asking them to reissue check because I did not cash the check. I have not heard back from them. I have called to follow on the following dates on XX/XX/XXXX they confirmed that they received my fax. Called again on XX/XX/XXXX the representative said he didn't see updates but he would send the research department an email and ask for an update. Called again on XX/XX/XXXX the representative said there was no updated from research department at all not even after the email. I asked to speak with a supervisor and was told by representative that she was emailing the request for a call back from her supervisor and that I would get a call within XXXX hours. as of now XXXX hours later no call. I called XXXX because the routing number on the copy of the check is from XXXX and they told me I had to go back to the mortgage company. I am very frustrated because no one in the " research department '' at Ameri Home contacts me not by mail or phone. There is no direct number to them so I have to go through customer service those representatives no nothing and send internal emails but when I call back there is no response to their emails either. This is not a small amount of money. I need HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In with the fair credit reporting act. The list of accounts below has validated my federally protected customer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 customer reporting agency can not furnish a 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 any other adverse. Item of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a customer to any custom reporting agency if the person knows or has responsible calls to believe that the information is Inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX I have concerns in regards to what you are reporting on my credit report. The account has been charged off yet still reporting that it is open. The account paid off on XX/XX/2022 from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company XXXX XXXX is showing Profit loss/write-off as remarks ( Payment after charge off/collection. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Also, see the attached Consumer Financial Protection Bureau Settles with XXXX XXXX XXXX XXXX for XXXXredit Reporting Violations in Connection with Its Auto Loans as evidence of violation.
Product: Debt collection

Company Love, Beal, and Nixon, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not ) They said I had been properly served. I had not been. Since I had not been notified, I did not appear in my own defense, so they won a judgment XXXX XXXX XXXX ) and placed a lien on my property without my knowledge. They did not notify me in any manner. I did not find out about it until I applied for a property loan in XXXX of XXXX. Love, Beal, and Nixon is the company who won the judgement against me, stated that I had been lawfully served, and filed a lien on my property. Part of the troublesome path I have been through is that three companies stall and waste time by blaming the other. All three are involved. I first filed this complaint against XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX because they were the ones who finally notified me that I was being help liable for anything. I named them because your question asks who notified me of this debt. I got a lawyer in XXXX of XXXX, who won for me, Order Vacating, Voiding, and Holding for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. The court minutes awarding lawyer 's fees in the amount f {$1900.00} and signed by XXXX XXXX, is against XXXX XXXX XXXX , XXXX with XXXX attorneys named, Love, Beal, and Nixon, and XXXX, XXXX, XXXX, XXXX, & XXXX. I can not afford to pursue collection. Now a lawyer tells me there is a two/three year statute of limitations to sue them. And I ca n't collect the judgement because the cost is prohibitive. Love, Beal and Nixon won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. ) Love, Beal and Nixon filed a lien for {$7100.00}. I was never notified. Love, Beal, and Nixon ( or XXXX XXXX XXXX for whom they acted ) owes me {$1900.00} as awarded by XXXX County judge, XXXX XXXX. I have suffered other financial damage because of being denied a loan from my bank. I have suffered other damage because of the time and stress in tying to deal with this series of events. I have documentation for all these activities, but I do not know how to attach them. It is all on hard copy because my computer blew last fall and this electronic file went with it! The company has received all the material either from me or from my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them.
Product: Mortgage

In XX/XX/2017 I closed my home equity morgage account with Wells Fargo. At that time in the closing documents I was charged {$510.00} in homeowner insurance that I should not have been charged. Trying to get information on this and an additional {$440.00} in fees I was sent a three page document of customers accounts and personal information. In the 5 months it took to get the {$510.00} refunded ( which was rediculous as my original homeowner insurance was in my original documents all along ) I had mentioned the customers information documents I had sealed in my safe. No one cared. Now that I have cashed the refunded check for {$510.00} I began getting rude and threatening phone calls from a XXXX XXXX from Wells Fargo bank demanding the documents who stated he would be calling me daily until he got them. I called the federal reserve who referred me to the FDIC regarding the documents and to you too stop the phone calls. I am following FDIC instructions and hope you can stop the calls. My name is XXXX XXXX and my number is XXXX. Thank you for anything you can do.n
Product: Credit reporting or other personal consumer reports

Chime bank never reached out to me in any manner to inform me that I had a balance of {$5.00} owed on my closed account. Once learning that this balance was on my credit report I have reached out numerous times to pay the balance. Nobody is ever able to help me pay this balance. The only suggestion that can ever give is to re-open my account. I am not open to doing that. I just want to pay my balance so that it is no longer reflecting a {$5.00} charge off. Chime either needs to remove this charge off from my credit report or allow me me to pay it to a {$0.00} balance.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX and 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 a 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 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: Debt collection

Discover Financial Services is alleging that I owe them a debt that is not mine. I sent them a request to validate the debt as required by law. They received it on XX/XX/XXXX. They responded to me that they would investigate, however, never responded with the requirements in order to validate the debt like I asked them to do. 
I then sent them an Affidavit of Truth which they received on XX/XX/XXXX along with an invoice with the total charges of my violations from them and I have heard nothing from them since. 
I am well within my rights as a federally protected consumer and Discover is violating my consumer rights under Title 15 Chapter 41
Product: Mortgage

To whom this may concern, I am requesting assistance and oversight regarding the processing of my homeowner assistance application # XXXX ; my wife filed the application on XX/XX/XXXX With Texas HAF. PHH has refuses to process our homeowner assistance application unless we sign up for a family transfer package. I have declined PHHs family transfer package several times verbally and in writing, however PHH Insist there isnt anything else they can do. 

On XX/XX/XXXX I signed a third-party authorization form and submitted it to Texas HAF , who forwarded the authorization to the loan servicer PHH. 

On XX/XX/XXXX PHH informed me that they : 1. Havent received the third-party authorization form.

2.do not communicate with the Tx HAF directly 3. They require 30 business days to review the information. 
On XX/XX/XXXX Texas HAF is waiting on the loan servicer to respond. 
PHH Extended processing procedures are currently causing damage and hardship on my family. The assistance Tx HAF is currently offering would enable me to get in good standing and maintain the original payments. It has been 178 days since the submission of the application and PHH
is now demanding i add my wife to the account by submitting and completing PHHs family transfer package application.

My wife and I would greatly appreciate any assistance/ oversight you can offer. please review the attached exhibits : -XXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX -XXXX XXXX XXXX correspondence dated XX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX XXXX dated XX/XX/XXXX Thank you
Product: Checking or savings account

As an initial matter, this IS NOT a duplicate complaint, nor should it be treated as a duplicate complaint. If it is treated as a duplicate complaint, it will be submitted over and over and over again, until Citibank decides to address it, and if it can not be addressed by Citibank on this forum, then it will be FORCED to address this matter in COURT ...

In any event, pursuant to page 28 of the Citibank Client Manual, I notified Citibank, in writing, that I do not agree that Citibank may pay or reject any check which is presented to Citibank for payment more than six months after its date ( a stale-dated check ), on any of my checking accounts, even if the presentment occurs after the expiration of a stop payment order. Further, I also notified Citibank, in writing, that I do not agree that Citibank is not required to identify stale dated checks or to seek my permission to pay them. To the contrary, I notified Citibank, in writing, that it may not pay but shall reject any check which is presented to Citibank for payment more six months after its date ( a stale-dated check ), on any of my checking accounts, including, but more specifically, the checking account ending in XXXX. 

Citibank was specifically instructed to identify any stale dated check or seek my written permission to pay any stale dated check. Citibank was advised that if it failed to follow the above specific directive or instructions, that it shall be liable for the face value of the stale dated check including, but not limited to, any damages and attorney fees incurred. Citibank was on notice that this shall supersede any and all terms purportedly agreed to or contained on page 28 of the Citibank Client Manual.