23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

on XX/XX/XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around XX/XX/XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from XXXX, XXXX and Equifax. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, one of the reporting agencies asked questions about auto-loans I supposedly took out XX/XX/XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since XX/XX/XXXX! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
XXXX, XXXX and EQUIFAX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I tried to purchase a companion animal for my daughter. The website has all the necessary stamps making it appear legit. I proceeded to reach out to the owner and inquire more information. Upon speaking to the opener it all seemed legit at first. I was promised a companion animal same day. With all the required akc documention. I then started to notice a change in behavior. After looking into it more with the help of a police it was a scam. I then requested a refund from the seller directly. They said they would. Once they became aggressive and didnt I went to pay pal directly and inquired on how to get a refund. The seller wanted me to close the case ( which meant to pay pal no dispute could be filed ) I refused to close the case and the seller never gave me my item or refund. Pay pal wont give me my refund for item not received. I went to my bank. Filed a dispute. I called my bank as soon as I noticed it was possible scam to have the transaction stopped. They temporarily issued a refund. I received a email saying they couldnt permanently give me my refund. I called and asked for a explanation and now they are saying because it was a money transfer its not covered. However pay pal never explained it was a money transfer. And I never reached a item. The item was XXXX with a. Fee making it XXXX. I provided. Documention from the seller saying I would get a refund and still cant get help. The scammer also scammed a person I know shortly after me. We all reported this to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on this account. I wonder why XXXX, XXXX  and Transunion report it as late XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. As part of my routine, I checked my report, but this time, I was surprised to see unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have submitted so that I can put this concern behind me for good.
Product: Debt collection

First i am the mother of the minor child XXXX XXXX birthday XX/XX/XXXX i pulled my child credit because i was getting phone calls from credence resource XXXX XXXX enabler I they verified with me her name birthday and social everything was verified accurate except her birthday they had same social same birthday but different year of XX/XX/XXXX when her birthday is XX/XX/XXXX so i pulled credit under the year harvest had and my minor child have a credit profile with several accounts from this company i am enclosing her birth certificate social security card my temp id and a recent bill as well
Product: Student loan

I have been a victim of predatory lending by XXXX XXXX XXXX who is serviced by XXXX XXXX. They used deceptive practices during the loan process, which included hidden fees that were never disclosed to me. I learned about the astronomical fees when I called AES today and requested a Truth in Lending document. I never received this document or information previously and I will breakdown the reason that I called and requested this information. 

I received XXXX student loans from this lender : Original Balance : {$21000.00} Current Balance : {$24000.00} Total Paid : {$26000.00} After looking at my monthly statement, I was puzzled to discover that I have paid more than the original balance ; however, I currently own MORE than the original amount borrowed. I understand the concept of interest and yes, I expect to pay more than I borrowed. But based on the interest rate attached to the loan, and the original amount, there is no way that I should have a balance this high. I called AES to inquire about this information and I was told that it is likely due to loan fees. What loan fees? I was never told about any loan fees. To my surprise, the loan fee was higher than the loan itself and it was never mentioned to me. They hid this information and processed the loan under false pretenses. 

I have maintained my student loans because I care about my personal credit. However, I feel that I am a victim of illegal practices by this company. There is nowhere on my monthly statement that shows the total fee amount. I can not locate this fee on any initial documents from AES. I would have never known about this fee if I did not call and specifically ask, why is my balance so high when I have paid more than the original amount. 

I am requesting that the fees for the XXXX loans mentioned be removed. This is predatory lending ; I was deceived during the initial process of this loan. They presented an interest rate that floated between XXXX and XXXX XXXX  ; however, the bulk of the loan amount comes from the fees that were never disclosed. This is fraudulent and unfair business practices to consumers.
Product: Student loan

I had my loan with Navient for over 10 years and I was waiting to complete the 10 years of repayments in order to qualify for the Public Service Loan Forgiveness program. I was never late on any of my payments and after 10 years I decided to submit my application. 

Around XX/XX/2018, I contacted Navient to begin the process of applying for the PSLF and I was told I needed to consolidate my loan. I did and consolidated my loan. After consolidation, I was told, like thousands other borrowers, that my repayment plan I was under Navient didn't qualify for the PSLF and I needed to spend another 10 years in repayment. At one point I was told I  couldn't apply because my loan was consolidated. 

I've asked for the decision to be reconsidered and I have been denied twice because of the same reason. I am another one of the student loan borrowers who were misled and misinformed by Navient. At least four states have filed a lawsuit against them. 

I want Navient to repair the damage and get my student loan forgiven as promised.
Product: Debt collection

Commonwealth Financial has been reporting an ER bill/medical collection for {$560.00} to my reports since XXXX 2017. I do n't know where this debt is from, as I have no outstanding medical bills. Either XXXX XXXX XXXX is mistaken in their accounting, or Commonwealth is reporting an erroneous collection. I looked up the company in an effort to contact them directly and noticed they are n't a licensed company. It makes me wonder if the debt actually does exist, or if they just report things to people 's credit to make money from those who do n't ask questions
Product: Debt collection

This is our loan agreement ( this " Agreement '' ) with you regarding your loan. It contains important terms and conditions.

You should read it carefully before you electronically sign it.

The words you and your mean the borrower who has electronically signed it. The words we, us and our means XXXX XXXX XXXX XXXX XXXX. We are a sovereign enterprise, an economic development arm and instrumentality of, and wholly owned and controlled by, the XXXX XXXX XXXX ( XXXX XXXX ), a federally recognized sovereign XXXX XXXX XXXX. All disclosures in this Agreement are also terms and conditions of this Agreement.

You must electronically sign this Agreement and submit it to us with your application. We will then approve or deny your application. If we approve it, the proceeds of your loan will be disbursed to you and this Agreement will be in full effect.

If we deny your application, we will notify you of the denial and this Agreement will be terminated. 
YOU HAVE A RIGHT TO CANCEL THIS AGREEMENT without cost within three days from the date we notify you that your application has been approved by us. If you decide to cancel this Agreement, you must send us your notice of cancellation by email to XXXX or by phone to XXXX no later than XXXX  XXXX XXXX on the second day after the funding date ( the XXXX  Deadline ). You must also return all proceeds of your loan that you received by the XXXX  Deadline. To return those amounts to us, your notice of cancellation must also include your authorization for us to use one of the payment methods you selected on your Payment Choice Authorization ( below ). If we do not receive your not
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX  XXXX balance {$430.00}, XXXX XXXX  balance {$530.00}, and XXXX XXXX XXXX Credit balance {$780.00}.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, XXXX XXXX the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from Pentagon Federal Credit union this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts
Product: Vehicle loan or lease

We owned a dealership and Lendbuzz used to finance our qualified customers to buy cars. The deal we signed with them, if they repossessed any cars, they would be responsible to pay for any damages that the car would have and we would be responsible to pay the car off. They just repossessed one of the cars that got financed roughly 10 months ago, the car came with damages, they sent someone to inspect the car and said that the damages were under XXXX dollars which is our deductible and that they would not pay, I took the car to a body shop and got a invoice of over XXXX in damages, I told them that and they ignored me, I then asked for a shop that I could take the car to that would charge XXXX dollars to fix the damages, they ignored me, I than called the manager " XXXX XXXX '' started to let him know what was going on and he started being hostile, I asked him to give me a shop I could take the car to that would charge me XXXX dollars to fix the damages and he said " Just go ahead and sue us '' I said " What do you mean? I dont want to sue you, I just want to know a shop that can get the damages fixed for XXXX dollars so I can take the car there '', he again said " You can just go ahead and sue us ''. This company and their employees are extremely unprofessional and I keep hearing horror stories of their lending malpractices. I really need help so these predatory lending stops and they can stop taking advantage of hard working people. Please help! Thank you in advance!
Product: Debt collection

To Whom It May Concern, I am filing a formal complaint against LVNV Funding, LLC for violations of my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). LVNV Funding has reported a debt to the credit bureaus without notifying me, failed to validate the debt upon request, and is attempting to collect a debt that does not belong to me. Their actions have caused harm to my credit and financial standing.

Violations Committed by LVNV Funding 1. Failure to Provide a Debt Validation Notice ( 15 U.S.C. 1692g ) Under the FDCPA, 15 U.S.C. 1692g ( a ), a debt collector must send a written validation notice within five days of their first communication, informing me of the amount of the debt, the creditors name, and my right to dispute it. LVNV Funding never sent such notice.

2. Failure to Validate the Debt ( 15 U.S.C. 1692g ( b ) ) I have not received any verification of the debt, yet LVNV Funding has continued to report it on my credit file. This violates 15 U.S.C. 1692g ( b ), which prohibits debt collectors from continuing collection efforts without proper validation.

3. Furnishing Inaccurate Information to Credit Bureaus ( 15 U.S.C. 1681s-2 ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), a company must ensure the accuracy of any information reported to the credit bureaus. LVNV Funding reported a debt that does not belong to me, damaging my credit unlawfully.

4. Unauthorized Collection of a Debt Not Owed ( 15 U.S.C. 1692e ( 2 ) ( A ) ) LVNV Funding is misrepresenting the character and legal status of this alleged debt. This is a direct violation of 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits false representations about a debt.

5. Unfair and Deceptive Practices ( 15 U.S.C. 1692f ) LVNV Fundings failure to notify me before reporting the debt and their refusal to validate it constitutes unfair and unconscionable collection practices, violating 15 U.S.C. 1692f.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a lawsuit between Ally Financial XXXX and myself. This went to court and was DISMISSED with prejudice by the judge on XX/XX/XXXX. This was to be removed from my credit report. I Have disputed with all 3 credit bureau 's. XXXX removed immediately. XXXX and XXXX still have not removed. I have disputed with both of these bureau 's multiple times, providing all documents. It is still on my XXXX and XXXX report. It continues to hurt my credit. Ally Financial still continues to report to these 2 bureau 's. I have spoken with Ally Financial finally on XX/XX/XXXX. The law firm that supposedly handled this case for Ally failed to report back to Ally the court order. That firm is XXXX and XXXX, XXXX. I am faxing the court order in to Ally Financial per their request to their legal dept. Legal analyst name given was XXXX. The fax # provided was XXXX. I do not know what else to do to get this resolved. There should be consequences for Ally Financial and this law firm, and reporting bureau 's for this undue stress. It is wrong on every level. I provided all documents to bureau 's and called and confirmed that they received. IF the bureau received copy of court order, why would they not automatically remove??
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is and update on the payment history. A charge off account should NOT include and active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly and you neglect has violated my rights. I am demanding a deletion of the following account : XXXX
Product: Credit reporting

Between XX/XX/XXXX and XX/XX/XXXX Transunion deleted several inquiries from my credit report and reinserted deleted inquiries without proper notification to me. I would like to have these inquiries removed. I spoke to a Transunion representative over the phone but she was not able to resolve the issue to my satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit and personal info was part of the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

The paperwork that has been allegedly sent has been abandoned and erroneously filed by Pennymac and veteran home loans. I XXXX XXXX have not received any notices. And due to my XXXX of not being able to adequately communicate in legal jargon I believe the ADA needs to be alerted for taking advantage of a disable person and veteran. I will also file a complaint with TIGTA and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted American Express in XXXX and advised I was affected by covid and needed assistance for a few months. I advised them I would make a payment and paid the amount in XXXX. After I paid the bill, the account was reported as late for XXXX and closed which affected my credit. I would like for the reporting to be accurate just as it was at first and the account reopened. Thank you!!
Product: Student loan

My loan servicer was switched without anybody reaching out. My first loan payment was supposed to be in XXXX and all month I have been trying to make that payment but both ED financial and XXXX both show that I have a XXXX $ balance. I have received no information about anything. I have tried calling and can not get on the phone with anybody due to very very long wait times. I know there is payments to be paid and it is very stressful not being able to pay them on their right times. I hope that I am not going to be flagged or disciplined for a " late '' payment when in reality there is no way for me to make one.
Product: Credit reporting or other personal consumer reports

Toyota Motor Credit Corporation - On XX/XX/year>, I visited XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, to test-drive a vehicle I was interested in purchasing. During my visit, I engaged in a detailed discussion about taking advantage of Electric Vehicle Incentives that could potentially lower the cost of the vehicle. 

The dealership 's sales team admitted that they were not well-versed in the specifics of these Electric Vehicle Incentives. They indicated that they would need to consult with their accounting department to understand how to proceed. In the meantime, I left a check for {$500.00} to reserve the vehicle while awaiting further information. 

One week later, I received a call from the dealership. They confirmed that they would accept the Electric Vehicle Incentive funds, and at this time, they requested that I provide my paystub information to facilitate the purchase. I responded by letting them know that I was currently unemployed and, therefore, could not provide pay stubs. Instead, I informed them of my intention to withdraw funds from my XXXX ( XXXX  ) in order to buy the vehicle outright, which I believed would resolve the financing issue entirely. 

On XX/XX/XXXX, I returned to the dealership for the final transaction. I signed all the necessary paperwork and issued a check that covered the entire cost of the vehicle. 

However, on XX/XX/XXXX, I received an unexpected letter from Toyota Motor Credit Corporation. The letter stated that they had denied my loan request due to my failure to provide pay stubs. This news left me furious and bewildered, as I had repeatedly informed XXXX XXXX XXXX verbally and in written communicationthat I would not be financing the vehicle. 

As a result of this misunderstanding, my credit score has taken a hit from a loan application I had no idea had been initiated on my behalf. leaving me frustrated and stressed about my financial situation.