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

I have been dealing with this company for the last past 8 months. I received XXXX dollars from them back in XXXX of this year. Since then, they have been taking XXXX dollars every two weeks out of my paycheck. I have calculated they have taken almost 5000 dollars from me and this needs to stop. I have fallen behind on all my bills due to this. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my XXXX and XXXX XXXX account to be closed whan I moved to a new address. XXXX and XXXX only shut it a few weeks later, and as a result I received a bill for a time period of several weeks during which I did not reside at that address anymore. I believe that I shouldn't be paying this bill. 
Collection Bureau of the Hudson Valley is attempting to collect this debt and has reported it to the credit bureaus. I an requesting this collection to be completely deleted from my credit report.
Product: Vehicle loan or lease

GM Financial which is my loan leader has violated my rights a consumer under the Truth in Lending Act. Pursuant to 15 USC 1605 ( a ) GM Financial is in violation of charging a finance fee for a loan which is illegal under the Truth in Lending Act. GM Financial has also violated 15 USC 1605 ( a ) ( c ) which states that auto insurance is suppose to be included in the finance charge. According to the law GM Financial is also in violation of 15 USC 1635 ( a ) which state that the consumer is suppose to be notify of their rights to recession. I have attach documents for proof of violations.
Product: Credit reporting or other personal consumer reports

I have tried to get credit with Klarna but the information that they have is not mines. Someone used my information to obtain good from this company I have reached out to this company several times but they insure me that they would take care of this issue this was about almost 2 years ago and I still have not received this any resolution. 
So I need all my information to be deleted on Klarna and XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, called XXXX XXXX XXXX XXXX department. Spoke with a male employee, asked if he could check to see what loan was sent to collections when all my loans are paid off. He stated a letter should been mailed out regarding this. Stated no letter was mailed to me. He then transferred me to another person, a female employee. The female employee checked in their system verified all the accounts/loans under me. Confirmed there was no open accounts and the last time they reported anything to the credit bureau was in XXXX. Was asked if a title was received and it was confirmed by me to be correct.
Product: Credit card or prepaid card

Payments made to XXXX XXXX XXXX 
I went to the XXXX branch to print documents and also called in to customer service to Discover credit card. Credit card does not have a branch. 
I also made a dispute with credit card on fraud activities, stop payments but they will not acknowledge it after verification 5 times. I'm now paying XXXX XXXX  a month on closed account.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, and AFFIRM INC XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Mortgage

Nationstar Mortgage sent me a payoff statement while I am in Chapter XXXX bankruptcy. The payoff statement is claiming to pay off the house would be {$130000.00}. I looked at their previous tax statements sent to me and they are stating that we owed a little over {$120000.00}. When looking at the tax statements from XXXX and XXXX I have noticed that my interest payment has gone up over {$2000.00} last year even though I am on a fixed rate mortgage and have paid down the principal. Something is not right. If you look at XXXX statement the interest is {$5100.00} and then all of a sudden XXXX interest is {$7500.00}. How does interest go up when you pay down the principal and have a fixed rate mortgage? We feel like they are trying to sneak charges that were dismissed through bankruptcy court onto my interest. Also, on the payoff statement, they have unexplained charges under lender paid expenses in the amount of {$2900.00}. We have proof of claim being dismissed and proof of payments. What Nationstar can not explain is these charges and why my escrow got increased by with no reasoning behind it or no notice to me or the bankruptcy courts. We have tried calling them to find out, sending a certified letter, and asking their own attorneys but no one can give me a straight answer about why my escrow is more than the insurance and property taxes combined and divided by 12 months. By our calculation escrow should be about {$300.00} but they have escrow at {$420.00} after XXXX XXXX.
Product: Checking or savings account

Today, on XX/XX/2025, I went to withdraw money from my checking account at Capital One Branch, located at XXXX XXXX XXXX XXXX  NY. I went to the teller window and presented my withdraw slip. After proper Identification the teller started looking into my account and asked me " Who are all these people sending you XXXX transaction. '' I told her they are family and friends. She told me that my account has excessive XXXX transactions, and I should ask my family and friend members to transfer fund to me via Cash and or checks. I told her, I thought XXXX transactions are more secure and trackable by financial institutions if needed and cash can be questionable.

Upon my reply, she told me that she will make this one-time transaction as curtsey for me, and if it was another individual, they might have denied my withdraw request. While we were having this conversation, one of her male colleagues came approached her and started looking at the computer monitor and asked her " what's going on? ". She explained the situation to him.

At this point, the male associate asked me " Where am I from? '' I answered him, I am from XXXX. And he replied, " XXXX  people do these kinds of things. '' There were other customers waiting in line and were able to hear our conversation. I felt extremely uncomfortable as I was being XXXX XXXX. I left the branch without having any additional conversation with anyone there.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$20000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX  -- {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This info is wrong and needs to be checked out and verified
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX A scammer scammed me for XXXX XXXX Not sure this payment was sent or to whom this account belongs to. 
$ XXXX XXXX This XXXX XXXX  was unauthorized by me. 
I deposited that money to pay my light bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put my money on this credit out of XXXX thinking I could get it faster when I opened a checking account since someone stole my money that added up to my whole paycheck. I been working on this since XXXX ago since someone stole my paycheck. I got this secured credit card to help me fix my credit but it has been a nightmare ever since. Now I'm paying for my paycheck with charges. Been trying to decrease my limit but im unable to and I dont know why. Credit bureau is reporting wrong info cause I got it paid up to what it should be and still my credit sucks. I was also had most of my bills in freedom debt relief over a year and now they are paid off and still get hit on those too I do not think is fair how I paid things up and still get ping as being bad im trying to fix my credit but all its doing making me look bad now pls fix it and someone has taken My identity and compromised it now making my life miserable. Pls help me.
Product: Mortgage

The entire experience with Movement Mortgage has been stressful and exhausting. 
To start, we were ready to close in XX/XX/2022, but for some reason proper paperwork was not sent for the 2nd lien. This forced us into a later closing date and left my family, including my XXXX XXXX XXXX son and XXXX XXXX XXXX daughter, homeless for 3 days. Not only that, but forced us into a double move where we moved all of our belongings into storage and 3 days later into our new home. 
I had a planned week off from work to assist with the move but due to the ball being dropped on the paperwork, I could not be available to help my family move into our new home once the closing process was completed. 

At the closing table I was told the seller would be paying for taxes and not to worry about bills in the mail. Once bills with late fees attached started coming I then contacted movement because the taxes should have been paid. Movement then told me they do not have the money for taxes and it was my responsibility. I paid the first bill out of pocket ( with late fee ) and intended on paying the XXXX  ( also with late fee ), but Movement beat me to it and converted my account to escrow.

Now we find out Movement had the funds the entire time for 6 months! How does this go unnoticed?!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DELAWARE Credit Card with account # *************** opened on XX/XX/XXXX and a balance of {$0.00}. 

On XX/XX/XXXX, via mail, I previously disputed this account notifying the credit reporting agencies " I dont remember ever being late with a payment on this account. '' Please provide statements and records of all payments made and missed since I opened this account. 

I never received proof from the credit reporting agencies or the creditor! Rather, I just received a copy of my credit report and a response to my investigation and request as " verified ''. On XX/XX/XXXX I submitted another request, via mail, for a re-investigation and requested that proof be mail to me of their investigation or delete the negative information. 

To date I have not receive any verification of this account, however the reporting agencies response to my re-investigation yet again was " verified '' at or around XX/XX/XXXX via another credit report being mailed to me. My request for proof was ignored yet again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax for a XXXX XXXX account that had been placed on my consumer credit report without my consent, I used Equifax 's online dispute portal ( I will only use XXXX ) from now on as a result. My complaint was that the account is owned by a XXXX XXXX XXXX, XXXX XXXX XXXX and I am XXXX XXXX XXXX, XXXX XXXX XXXX. I stated that the account had wrong information and to delete the wrong account from my credit report in the little area where they have you explain. What happens is I get a generic response letter and just a screenshot of an account with a balance. The account screenshot did not have any name linked to the account, just XXXX XXXX 's response to XXXX was " Consumer 's dispute not specific. Consumer information verified. Account information updated '' not only did they ignore my complaint, they just probably ran this through E-Oscar and ignored what I had typed in the box as my complaint. I am not XXXX XXXX XXXX, XXXX XXXX XXXX and if they did their due diligence they would see that that is who the account owner 's name is. XXXX XXXX 's response does not show the name on the account that will clearly show the account is wrong.
Product: Debt collection

XXXX XXXX XXXX XXXX tried to collect payment for a service that my insurance had already covered ( balance billing ). After numerous discussions, showing proof that my insurance paid them after the network discount, they still turned my account over to a collection agency. 
When I explained what happened to that company, they sold my account to another agency. As soon as I informed the current company ( XXXX XXXX CO ) of the situation, they stopped communicating with me and left the debt on my account. This debt has been disputed with proof of insurance payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I applied for a XXXX XXXX XXXXXXXX discharge and was approved I've been noticing that XXXX was reporting over late payments over 190 days in accurate information I called XXXX and advised me that it was sent into default in XX/XX/XXXX was advised to call dept of education and was advised that my discharge status is in good standing and provided me a letter from dept of EDU. The dept of EDU said that it's the credit be reporting inaccurate information they have been doing this for years, and I'm XXXX I have a XXXX XXXX XXXXXXXX discharge and shouldn't be on my credit as inaccurate. I also can provide letter from Dept of EDU stating of the incorrect information being reported.
Product: Checking or savings account

Wells Fargo had reported me to XXXX XXXX XXXX XXXX years ago because of numerous overdraft fees. I told them to close my account because there was an unauthorized transaction that came through and the bank knew I didnt have the money. They have also violated federal laws in issuing these fees. I had signed the agreement that stated not to overdraft my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and BECU have improperly re-aged an account on my credit report to XX/XX/XXXX, have continued to report it past 7 years since Date of First Delinquincy, and I have suffered damages in my attempt to get a mortgage after inaccurate reporting reduce my credit score. 

A closed and paid derogatory BECU account ending in XXXX was disputed by me in XX/XX/XXXX as too old since Date of First Delinquincy and BECU alleged the information was accurate and still reportable. In the attachment you can see that the payment history for XXXX is vacant and unreported even though BECU claims the date of first delinquency was XX/XX/XXXX. The actual date of first delinquency was in XXXX of XXXX. 

Instead of leaving the line as it was, XXXX and BECU alleged the line was validated and then re-aged the line as new delinquency at the end of the dispute ( see attached new reporting date ), which resulted in a XXXX point drop in my XXXX Score XXXX ( see attached score alert ). 

The decrease to my XXXX XXXX score ( which happened solely due to the re-aging of the BECU line after the dispute ) resulted in higher interest rates for a mortgage loan I applied for, another score drop for an inquiry, and a resulting higher loan payment for the new loan I applied for. I, therefore, suffered damages for which I am consulting legal advice. 

I am requesting that XXXX and BECU delete the line which is now 7 years past Date of First Delinquency and is being reported in violation of the FCRA limitation on derogatory reporting, or alternatively restore the prior version of the report by BECU which existed prior to XX/XX/XXXX, with complete and accurate payment history since the loan was established in XXXX. 

I have again disputed these XXXX matters directly with XXXX XXXX XXXX, confirmation number XXXX, and I expect XXXX and BECU to now take the time to review my dispute by looking at the payment history and reviewing the accuracy of this line on my report, instead of just copying and pasting the claim of valid reporting by BECU. 

I am hoping the CFPB process can resolve this issue.
Product: Credit card

I purchased furniture from the furniture store Raymour & Flanigan using the store credit card to utilize the XXXX month no-interest payment plan on XX/XX/year>. The promotional payment plan was offered or a discounted cost for the furniture. I opted for the finance plan on the purchase. After exchanging a mattress from the initial purchase for a lower cost mattress on XX/XX/year>, my minimum payment went from {$140.00} a month to {$180.00} a month. I contacted both Raymour and TD regarding this issue by phone in XXXX of XXXX, and I submitted a written request for correction through the Help Center My Message feature on XX/XX/year>. I have been contacting both companies for the past 6 months attempting to resolve this issue. They have both promised to correct the minimum payment amount, but neither company has made the correction, and both confirm that TD must make the change with its back-office staff. A request to make this change was made in XXXX, XXXX, and XXXX, and a supervisor in TD Customer Service submitted the required change on XX/XX/year> to the TD back-office. The incorrect amount remains, and I owe {$180.00} as the minimum amount due for the XX/XX/year> payment. I am not receiving the correct payment amount and TD has said I just need to wait, but the additional {$52.00} a month is making payments difficult, and it is not correct. Making a payment of {$180.00} a month reduces my XXXX no-interest financing payment plan down to XXXX  months. If I had know I would run into this issue, I would have used the sale price promotion instead of the promotional payment plan. TD did not initially apologize, and they told me on multiple calls before XXXX that the amount was correct, but then they finally acknowledged the error on XX/XX/year>. When I call back to inquire about the status of the correction, I have to go through the same process of explaining the error or waiting until the customer care representative reviews the notes on the file ( which takes roughly XXXX minutes ). I have called multiple times over the past XXXX months and spent multiple hours on hold trying to correct this issue. I continue to make the incorrect minimum payment of {$180.00} because there are numerous reports online of customers who have been subjected to late fees and negative reports to credit agencies. I do not want to have any other issues develop due to this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act - XXXX and the Acct # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions So now the problem is date opened date, date active, and date of last payment is not same as other bureaus. 

Delete this account because the date opened date is not the same as other bureaus which is inaccurate : [ EQ date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, EX date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, TU date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX. So you must delete this because you haven't removed it for months because you guys violated my rights.
Product: Mortgage

I have requested a modification on my XXXX and XXXX mortgage which are interest only loan with Caliber Home Loan and they are refusing to give me mortgage assistance.I have submitted financials and the modification request several times and they refused to work with me, my loans are interest only loans and the interest rate is adjusting increasing my monthly mortgage payment.