23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Toyota financial services has reported me 30 days delinquent for mutually agreed diffrentment of couple of payments, which I never used it. Also I have paid in loan fully on XX/XX/2020 and they reported delinquent in XXXX of XX/XX/2020, which caused me take hit 0.5 % on mortgage application with investment property, I was buying. I have tried to reach out to them serval times via phone on phone today and they are not picking up the phone. This has caused me compensatory losses of {$7200.00} on two loans. My credit score has went down by 70 points and 30 days delinquency has been add to my account, which was never ever delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I received an email from Attorney XXXX XXXX 's law office in XXXX XXXX stating I was a victim of the XXXX Data Breach. 

I checked my Social Security Number and DOB on the Equifax Site and it confirmed my identity and information was breached. 

I am filing a claim and acknowledged my Mass State Atty. general Class Action suit against Equifax and submitted my document to the Massachusetts State Attorney General 's Office In XX/XX/2017 XXXX XX/XX/2017.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6O2 states i have the right to privacy Also 15 USC 1681 section 6O4a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

Bank of America bought out my mortgage from countrywide. While XXXX to XXXX I got behind and bank of America allowed me to do a 5 year loan modification program at 3 % and stated as long as I made all payments and stayed up on my payments at the end of 5 years I could then do another loan modifaction/refinance at a similar rate. At the end of 5 years and not missing any payments and fulfilling all obligations bank of America refused to refinance and assigned my loan a 9.5 % interest rate. Sometime during the 5 years bank of America quit doing loans on my type of home which is partially a manufactured home with additional wood construction. I was not given any options or choice, bank of America refuses to refinance leaving me stuck with an obscene interest rate. So even though I was told that if I full fill all of my obligations in the terms of the 5 year refinance I would be able to refinance at a competitive rate. This refusal was not because of anything I did but because bank of America decided they no longer finance this type of home. I have made numerous phone calls to bank of America and every time I am told there is nothing they can do.
Product: Debt collection

I asked for a breakdown of what I owe and why and I was sent a paper in the mail showing me where they're saying the charges are coming from. All of this has been sent from a third party company in which I did not authorize to have my information so this is a violation of HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy on XX/XX/2012, Bankruptcy number is # XXXX. This chapter was dismissed by total discharge in Bankruptcy court, however it's still reflecting on my Transunion and XXXX credit report. This item need to be deleted due to reporting incorrectly and removed permanently, and a new credit report and score should be issued reflecting this item was removed.
Product: Checking or savings account

Chase Bank drafted my checking account on incorrect date which was set by XXXX app. It was set to draft on Wednesday XX/XX/2021 because that is my pay day ( weekly direct deposit from employer ) but it drafted on Tuesday XX/XX/2021 putting my account into negative {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a second year XXXX XXXX. I served my country and ran into tough times when my wife get laif off. As a XXXX XXXX ive been exposed to the beauty that is American law, mainly the constutution. In my opinion the second greatest document written behind the XXXX. I see a tragedy. The federal reserve system ( fractional illegal banking ) most Americans have no idea how our banking system works let alone the federal Reserve. It literally is the greatest ponzi scheme in history. Its completely unconstitutional and has created a disportion of wealth where the majority are slaves to banks. No where in our constitution does it state an independent banking system issuing these federal reserve notes that are now practical worthless has any authority, nor use our federal taxes as collateral against these loans. Then the big banks have devised perfect system that manipulate money and creates it out of thin air through credit. Its pathetic. Its made the rich richer and the poor poorer. Im going to stop my save the world speech and say this. XXXX  followed tax law and im asking XXXX and Transunion to follow suit and do what united state federal tax law tells one to do in the following situation. Im asking every single one of my creditors to follow the United States tax law with regards to debt. I want every single one of my creditors who wrote off my debt as a loss on their tax returns and recouped their money to remove that debt from XXXX and Transunion. The Federal tax law states " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compensation constitutes fraud in any of the 50 states. '' It makes sense and all my creditors didnt hide they wrote it off. I want these collection companies who have no legal claim to this debt that again has been written off removed from my credit report and in reality they themselves are commiting tax fraud by trying to collect on these debts that no longer belong to me off my credit report. This is the law. Its not enforced but it should be. Big banks have lawyers who know tax law and get their clients to pay little to no taxes. XXXX followed the law and removed these items from my ctedit report. Since its the law I expect transunion and XXXX  to do the same or they to are commiting fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I have accounts on my profile that are hurting my credit profile. I am requesting physical verification of these accounts. I am requesting physical verification of the original signed consumer contract. 

According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verfiy through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fradulent account. 

I demand that the following accounts be verified or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Take NOTICE ... This is my final request to have these deleted 2. Account Name : DEPT OF NELNET Account Number : XXXX off my consumer reports and credit reports... .Each complaint in this portal will be used as record for proceedings that this was to be resolved before you will need to accrue attorney fees for your company. .Delete it or i will be contacting an attorney to sue your company in 10 days. 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are no longer available due companies close down no longer a hospital XXXX people person information identity theft required full investigation an disclosure if u can't provide anything I requested everything should be removed off my credit report I requested to dispute it from my credit report
Product: Credit card

I'm profoundly worried about the presence of this late installment for me, particularly taking into account my steady history of making ideal installments. Its presence is causing me huge pain, and I entreat you to redress this blunder speedily by eliminating it from my record.
Product: Money transfer, virtual currency, or money service

I am an XXXX  with a XXXX XXXX. I was contacted by a lender regarding drafting a loan agreement and ancillary documents forthe purchase of robotic surgical equipment and the buyer was, allegedly, located in California which is where I am XXXX XXXX The parties were the lender, XXXX XXXX on behalf of XXXX XXXX XXXX XXXXXXXX ( Florida ) ( my " client '' ), theseller/supplier ( XXXX XXXX XXXX XXXX Ohio ) and a loan broker ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York ) thatcoordinated the fi nancing transaction. The lender needed a California XXXX  to draft and coordinate the transaction. This iscommon and I have handled similar types of transactions in the past. This process went on for several week including letters ofintent, purchase orders and appropriate documentation. All names, companies, websites were checked and appeared legitimate. XXXX ( XX/XX/XXXX ), I received a XXXX cashiers check in the amount of {$250000.00} with a remitter of XXXX XXXX - These monies, allegedly, were the initial deposit towards the equipment to be purchased. Chase reviewed the cashier 's check, accpted the depositon Monday ( XX/XX/XXXX ) and made the funds " available '' the following day, Tuesday ( XX/XX/XXXX ). Subsequently, on Wednesday ( XX/XX/XXXX ), I wasforwarded the purchase order from the supplier requesting a wire transfer of 5 % of the total purchase price ( {$180000.00} ). Iproceeded to send the wire, as requested, that morning. The following day ( Thursday XX/XX/XXXX ), I checked the Chase website and the '' cashier 's check '' was returned without explanation. Chase has frozen and intends to close my business and personal accounts within10 days. Needless to say, I contacted my client immediately after learning of this and the phone number was " deactivated '' and allwebsites ( for lender, broker and seller were gone ). I am a victim of fraud and am helpless as Chase has been of no assistance and willnot provide any information or explanation as to how a fraudulent cashier 's check for such a large sum of money could go through their system and be made available to wire. First of all, I need to report this so that the criminals/scammers that perpetrated this fraud can be, hopefully, located and prosecuted. Second of all, how to deal with Chase as they refuse to cooperate in any fashion. I havebeen a customer for nearly 15 years and have a spotless record. Thank you very much for your guidance, advice and assistance with this unfortunate situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian due to their inadequate response to my dispute. On XX/XX/year>, I sent a dispute letter to Experian via XXXX certified mail tracking # XXXX, seeking an investigation into inaccurate items on my credit report. The disputed items include XXXX XXXX XXXXXXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, I contested an incorrect name on my credit report. 

To facilitate a thorough investigation, I provided Experian with a copy of my photo ID, social security card, and a recent bill with my current address for identity verification. 

However, Experian 's response, dated XXXX, stated : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

The Fair Credit Reporting Act ( FCRA ) stipulates that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation. Experian 's failure to conduct such an investigation violates my consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major problem with the credit bureaus. First my data was breached in an XX/XX/XXXX data breach and then someone used my info to get cars, credit cards, student loans, loans, medical care, and many other things in my name. I have filed a police report with XXXX XXXX XXXX and also and identity theft report with the FTC. I also filed disputes with all three credit bureaus and still they have done NOTHING and are trying to hold me liable for stuff I never personally received or authorized myself. There was even names, addresses, and other personal info that is fraudulent on my report as well. I have disputed some of this stuff multiple times and got NOWHERE.
Product: Vehicle loan or lease

I have moved. I want to pay off this loan so I can sell the vehicle. I need the title to come to my new address. 

I have been trying for XXXX days to get the address updated. Starting on XX/XX/XXXX. 

They requested documentation proving new address. I sent them a copy of my latest bank statement with current address. 

XX/XX/XXXX I asked when will this be done. XXXX is unavailble. 

XX/XX/XXXX I asked when will be done. Reply = Soon. I ask could I speak to a supervisor, Told none available. 

What in the actual # # # # is going on???? I can not move forward without a simple address change. 

XX/XX/XXXX went to XXXX of their branches, told their system will not allow them to pull up the account. WHAT???????? 

Bank is CIT Problem still unresolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has just reported a delinquent account in collections original Company XXXX XXXX, with debt collection company XXXX. This is NOT my account. I was a victim of fraud and spent countless hours removing two other collections accounts that were not mine. I tried to go through Transunions online dispute and their website continues to be down or not functioning properly. I have previously filed fraud reports with the FTC. This is not my account. It needs to be removed from my credit report. 
My two addresses have been for the past 9 years. XXXX XXXX XXXX XXXX XXXX, CA XXXX and most recently XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have never lived where XXXX XXXX XXXX cable accounts and have not opened a cable account in my name within the past 10 plus years. This is NOT my account. 

I have attached my theft report that was filed with the FTC originally as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$490.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} "
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( XXXX, Equifax, and XXXX ) credit report and I noticed some late payments on there. 

Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Your company is in clear violation of the law.

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me. Please investigate the following accounts and remove from my credit report. 

I have no idea where these accounts come from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a daily interest mortgage loan. This loan has changed financial institutions several times since I took out the mortgage loan in XXXX. I have had problems paying my mortgage in the past due to an identity theft and the haulting of my Social Security Benifits. I sought help with getting the then mortgage holder at the time to defer my payments. I have since had to file Chapter XXXX bankruptcy. I filed my bankruptcy case in XX/XX/XXXX. During my bankruptcy filing the mortgage changed hands again. A company called Bayview Servicing is now handling my payments for whom ever has my mortgage. My payments of XXXX I often rounded off and was sending XXXX dollars or XXXX.The original mortgage company was applying the overpayment to my principal. This new company is holding my over payment for over a year as unapplied funds. I have ask them several times to apply the funds to my principal. This company is holding my money and it is not benefiting me by lowering my principal. I was told they are holding my money because it is not a payment, I repeat this is a daily interest mortgage. If my payment was a day past the due date the company would not hesitate to take the additional interest from my payment. Bayview has been holding XXXX of my money for over a year. I want these funds and the annual interest it would have saved me had it been applied to my mortgage applied to my mortgage.
Product: Debt collection

My previous apartment management wrongfully sent my account to collections despite fulfilling my lease obligations and providing proper notice for lease termination. 

Detailed Explanation of the Issue : XXXX. Lease Information : Property Name : XXXX apartments ( XXXX XXXX XXXX XXXX XXXX, Texas. XXXX XXXX XXXX XXXX ) Debt Collector : Innovative Recovery ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tx, XXXX ) Lease Start Date : XX/XX/XXXX Lease End Date : XX/XX/XXXX Notice of Move-Out Submitted : XX/XX/XXXX Lived on a month to month basis until my move out date XX/XX/XXXX. XXXX in XX/XX/XXXX 2. Notice Submitted : I provided the required 30-day move-out notice on XX/XX/XXXX, as per the apartment lease agreement. This notice is recorded in the propertys system, which I have a screenshot of as evidence. 
XXXX. Dispute with XXXX XXXX : Despite following all proper procedures, the property management wrongfully sent my account to a debt collector, claiming I failed to provide notice. 
The debt collection amount is {$1100.00} This claim is inaccurate and has caused unnecessary financial stress and damage to my credit report. 
XXXX. Evidence Provided : I have attached the following documents for review : XXXX of the apartments system showing my notice date of XX/XX/XXXX. 

Correspondence with the property management company disputing the debt.
Product: Credit card

Someone else tried to open a Discover Card 5 days ago in my name using my social security number. Discover Card called me today and I called back wherein they froze the application and gave me the XXXX credit companies to FREEZE credit, which I have done so on XX/XX/2024. I am now reporting this identity theft to the FTC / CFPB.
Product: Payday loan, title loan, personal loan, or advance loan

CASH EXPRESS LOCATED AT XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX IS SENDING ME CORRESPONDANCSE SAYING I OWE FOR A 3 LOANS TAKEN OUT IN TN. I DO NOT LIVE IN TN NOR HAVE I EVER VISTED THIS CASH EXPRESS BUSINESS. I LIVE IN COLORADO AND HAVE BEEN IN COLORADO FOR MOST OF MY LIFE. 
I ASKED THEM TO SEND ME THE ID OF THE PERSON WHO TOOK OUT THIS LOAN. UPON REVIEW OF THIS ID THIS PERSON REMOVED MY PHOTO AND PLACED HIS PHOTO ON MY OLD IDDENTIFICATION CARD THEN USED THIS FAKE ID TO GET 3 LOANS. ALSO THEY USED AN OLD LAST NAME. I DID TALK TO THE POLICE ABOUT THE MATTER. THIS MATTER STILL REMAINS UNSOLVED. 3 FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY OLD LAST WITH A GENTLEMAN USING A FAKE ID.
Product: Credit card or prepaid card

I received a US Bank Visa Debit Card from a company called Relicard. The problem is I didn't order this card nor do I want. I have been waiting for over 2 hours to speak to a representative and have had to call back twice because I keep getting disconnected. They keep asking for my social security and date of birth which I won't provide. This is from US Bank and it makes me wonder if the company is accepting and/or processing fraudulent claims using my information. I was just told that there are 389 people in front of me and my hold time is now 2.75 hours. This company needs to be fined and/or shut down. I now have to waste an entire afternoon from work to deal with this issue.
Product: Student loan

I went to  XXXX  for  school an d at the time of attendance i was told i would have a Temp Credit loan through them, right around graduation i was told i owed {$5500.00} and i would have to start making payments to them after graduation, well a few weeks later i got a letter from a company called  XXXX  stating i owed them payments never signed up with them apparently  XXXX  owns them and sold my loan over, i tried working with them to lower the payment but was told since they are owned by  XXXX  they couldnt lower the payment since  XXXX   wont  agree on it than they sent me to " collections '' as i was told turned out it was a lie never was just a scare technique well i made a complaint and they finally agreed to lower the payment to {$25.00} a month, i thought this was odd since i dont ever remember signing a  MPN  for this place so i asked them to send me a copy and was told they didnt have to since this is a private loan through  XXXX  and i have to pay this no matter what, again thought this odd why do i have to pay a loan i never agreed on, i have not been able to make the payment in  two mon ths so they sent me a bill for almost {$600.00} i dont make that on a paycheck and with no MPN how can they prove this, all i want to do is put this in forbearance and these people wont help me they just want money i dont ever remember signing
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my original complaint number XXXX, I can not believe American Express is so naive to think that because there's a receipt and signature that it's not a fraudulent transaction. 

Please be advised American Express : The signature is FRAUD, I never signed for it nor did I ever receive any god or services from that Merchant. I lost my card and the fraudster orchestrated al this. 

I seriously can't believe it, American Express is setting an example indicating that a fraudster only needs to sign the receipt to get away with fraud.