23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This is an official complaint on Toyota Motor Credit. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX XXXX dealership. Upon communication between these XXXX institutions ( dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by Toyota Motor Credit to XXXX XXXX was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships ( Toyota Motor & XXXX XXXX ) to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion. 
Your prompt attention to the severity of this complaint would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX
Product: Debt collection

This was a payday load with a very high-interest rate ( over 40 % ). My husband was in the XXXX and activated to full-time when I received this loan. I did not know about the laws concerning lending to military families. Furthermore, we qualified for XXXX so the rate should not have been more than 6 %. I called the company. the amount I had already paid back was over principal + 6 %. It was sent to collections and is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX reported XXXX, XXXX, XXXX, XX/XX/2020 as late payments after receiving and accepting payments of {$280.00} each month none of which were late. Changes in escrow amounts taxes reflects a difference to {$310.00} which was later paid. XXXX XXXX did not open a suspense account or notify their intended action as they were supposed to have done. 
I have written to them by email and called a number of times asking to have the late payments remove as I am trying to refinance my house they have refused saying it is not an error. XXXX XXXX have displayed little or no concern to the harm they have done even during this covid situation where mortgage companies are asked not to report late payments they have no regards for consumers.
Product: Credit reporting or other personal consumer reports

"

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Checking or savings account

Bank assessed several Insufficent funds fee for several transactions that the funds where available for but the system started charging wrongful ODF! Representing found problem but was only able to refund two fees out of several!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies, particularly Equifax, due to the inclusion of fraudulent information on my credit report. As a victim of identity theft, I have discovered several inaccuracies on my report, including incorrect names, addresses, employers, and unauthorized accounts. I believe these issues stem from the 2017 Equifax data breach, which exposed the sensitive personal information of millions of individuals, including myself. 

Despite my efforts to dispute these inaccuracies directly with the credit bureaus, they have failed to adequately investigate and remove the fraudulent information. The inaccurate entries are severely affecting my financial standing, and I am requesting your assistance in ensuring that these credit reporting agencies comply with FCRA regulations.The Fair Credit Reporting Act ( FCRA ) establishes specific rights for consumers and obligations for credit reporting agencies. The following sections apply to my dispute : FCRA Section 609 ( a ) ( 1 ) I have the right to request complete and accurate disclosure of all information contained in my credit file, including the sources of fraudulent data. 

FCRA Section 609 ( a ) ( 2 ) Credit reporting agencies are required to maintain accurate personal information. The incorrect names and addresses on my credit report violate this section. 

FCRA Section 605 ( a ) Credit reporting agencies are prohibited from reporting inaccurate information, including incorrect addresses and employment history. 

FCRA Section 605B Upon receiving an identity theft report, the credit reporting agencies are required to block and remove any fraudulent information within four business days. 

FCRA Section 611 ( a ) Credit reporting agencies must investigate disputed items and correct or delete inaccuracies within 30 days of the dispute. They have failed to meet this requirement.
Product: Prepaid card

I purchased XXXX reloadit packs, now I am unable to access the money on either card. The customer service of both reloadit and blackhawk are not providing any resolution. 
Reloadit is telling me to go buy a PAyPower card and then they can transfer it. The problem is I have to pay another set up fee, maintenance fee, and transfer fee if I do that. 
Both customer service are telling me they can escalate the issue which will take 1-3 business days to get a response. I feel like I am being taken advantage of.
Product: Vehicle loan or lease

The company known as CREDIT ACCEPTANCE falsely accused me of presenting fraudulent paystubs after previously verifying paystubs presented to a dealership for finalizing a deal that was said to be near completion.

The company CREDIT ACCEPTANCE previously contacted my employer to verify my employment and information presented upon the paystubs and successfully verified the information.

The company CREDIT ACCEPTANCE is using XXXX discriminatory practices in denying certain XXXX demographics the ability to finance vehicles and receive loans by redlining and using discriminatory tactics of alledging fraud and requiring proof of validity in order to proceed with financing vehicles. 
The company CREDIT ACCEPTANCE is using XXXX discrimination & requiring certain demographics to basically " beg for '' and prove beyond any shadow of their already racially prejudiced biased and doubtful assumptions. 
The company CREDIT ACCEPTANCE has already contacted my employer and verified my employment status yet the cmpany CREDIT ACCEPTANCE is continuing to use racially discriminatory tactics to deny credit to certain XXXX demographics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported on my inquiry XX/XX/17 on XXXX and XXXX. I did not give authorization and did not apply to this creditor. I called the creditor and XXXX and XXXX to have it taken off my inquiry. No action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX  and XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX, plus the creditor to have them to remove it off of my inquiry no action was taken. 

Ally Financial was reported on my inquiry XX/XX/17 on XXXX. Did not apply to this creditor nor authorization. Called XXXX and Ally Financial to have it removed from my inquiry no action was taken.
Product: Credit reporting or other personal consumer reports

i currently have 7 variations of my address on my account. I only have one address. Also, there are 3 variations of my name. I only have and have ever uses one name.
Product: Credit card

I paid a credit card every month and have an automatic payment on it. I talked to the bank and explained it was their mistake since I set up auto payment. They marked me late and charged me fees and did not even offer to reverse or anything. I have had perfect credit for over a decade. The website did not work with the password until after when I was notified of the occurence. Bank of america ruined my credit where now I can not rent, or borrow funds and made my other cards lower my credit limit. I would love for you to investigate and shut down these unethical practices which I believe is their way to make more money in fees and charge more interest and hurting the consumer. If they look at my record, I always made a payment to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I recently pulled my credit report on XXXX XXXX and noticed the Hard Inquires on my Credit Report was not of my doing. Already sent multiple letters out to XXXX, XXXX, and TransUnion on the issue but got no responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last XXXX years my identity keeps getting stolen. 

First it was with XXXX, then I received a collections from paypal for $ XXXXToday I woke up and someone opened an online banking account with XXXX. Also 3 years ago I had my snapchat hacked and my friends were scammed out of hundreds of dollars. snapchat has no customer service number, i had to create a twitter and tweet at them to get it resolved. 

im almost certain this is an ex girlfriend of mine
Product: Checking or savings account

The Service Provider : Bank of America, XXXX XXXX XXXX XXXX XXXX, NC XXXX The Consumer : XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX, GA XXXX The Amount requested to be returned to the consumer {$490.00} USD Decsription : The vendor : XXXX XXXX XXXX, made a refund of {$490.00} USD to me, the consumer, XXXX XXXX and provided a receipt for the refund ( XX/XX/2022 ). See Attachment. 
XXXX. My Bank of America Account which the refund was made to was closed XX/XX/2022. 
XXXX. The consumer has made several calls since XX/XX/2022 to present to Bank of America to find the missing money/refund which was not sent back to the vendor. 
XXXX. Bank of America refuses to provide the transaction number where they rejected the refund /said transaction number was requested via an FTC complaint Reference : The FTC Report Number : XXXX. XX/XX/2022 but Bank of America has not replied to the FTC complaint. 
XXXX. Bank of America refuses to provide information for the XXXX XXXX for me to send an email to resolve this matter. 
XXXX. The consumer XXXX XXXX also has a personal checking account with Bank of America where the funds may be deposited. 
XXXX. Note the attachment - refund receipt from the vendor has the debit card last four digits to track the refund.

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

Experian has no mechanism for contacting a representative to change my email address on file with them, and my old email connected to a former employer is tethered to my name and person info. 

They automatically send a reset to the old email address, effectively giving anyone in IT at my former employer full access to change passwords on the account. 

To tether things to an email address seems to me to be a violation of privacy. Consumers should be able to call and use DOB/Address/SS # to reasonably regain access to their own personal data.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance {$200.00} XXXX XXXXXXXX Balance {$390.00}
Product: Vehicle loan or lease

I am writing to formally dispute the loan application process and express my concern about what I perceive as the use of pressure tactics during my recent interaction with your company. I applied for a loan on XXXX XXXX with reference number XXXX, and I believe the circumstances surrounding the application were not handled in a fair and transparent manner. 

During the application process, I experienced what I consider to be undue pressure tactics, including getting my income to a higher number, and making me sign papers without showing me details such as monthly payment .These tactics not only made me uncomfortable but also raised doubts about the integrity of the loan application process. 

As a responsible borrower, I expect a loan application process that adheres to ethical standards and provides a clear understanding of the terms and conditions. The use of pressure tactics not only goes against these principles but also violates consumer rights. 

I am formally disputing the loan application and requesting a thorough investigation into the circumstances surrounding my application. Additionally, I would like you to provide any recorded conversations, emails, or documentation related to my application for further review. 

I trust that you take this matter seriously and conduct a fair and impartial investigation into the reported concerns. It is my expectation that, upon review, appropriate actions will be taken to rectify any unfair practices and ensure the loan application process aligns with ethical standards. 

Please provide a written response to this dispute, including the results of your investigation, within [ reasonable timeframe, e.g., 30 days ]. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, NAVIENT has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Prepaid card

I am filing a formal complaint against PayPal , Inc. for failing to properly investigate my dispute and issue a refund for multiple payments totaling {$1200.00} for a service that was never rendered. 

Between XX/XX/year> and XX/XX/year>, I made multiple payments through PayPal to [ merchants name ] for a service. However, despite paying in full, the service was never provided as promised. 

On XXXX, I opened a dispute with PayPal under their Buyer Protection Policy, which clearly states that customers are entitled to a refund if a service is not provided. Instead of properly investigating my claim, PayPal wrongfully classified my dispute as an unauthorized transaction and closed my case without allowing me to appeal. PayPals Violations : 1. F
ailure to Properly Investigate My Dispute : My case was mislabeled and closed unfairly.

2. Violation of PayPals Buyer Protection Policy : PayPal claims to protect customers from services not rendered, yet they denied my valid claim.

3. Violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) : Federal law requires financial institutions to investigate and correct billing errors, including failure to deliver services. PayPals actions violate this consumer protection law.

4. Unfair and Deceptive Business Practices : PayPal is withholding my money without justification, despite clear evidence that I did not receive what I paid for. 

Details of Payments Made : Total Payments Made : {$1200.00} Date of First Payment : XX/XX/year> Date of Last Payment : XX/XX/year> Payment Method : PayPal Seller Name : XXXX XXXX XXXX Steps I Have Taken : I contacted the seller, but they were unresponsive. 
I filed a dispute with PayPal, but they closed it under the wrong category. 
I contacted PayPals customer service, but they refused to reopen my case.

I emailed PayPals Executive Office, but they have not resolved the issue.

Requested Resolution : I am formally requesting the CFPB to investigate PayPal and require them to : XXXX. Reopen my case under Service Not Provided.

2. Issue me a full refund of {$1200.00}.

3. Ensure that PayPal properly follows its own Buyer Protection Policy in future cases.

PayPals actions are unfair and harmful to consumers who trust them for secure transactions. I request urgent intervention from the CFPB to resolve this matter.

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello back in XXXX  I submitted identity theft report in XXXX, I had my identity and info compromised not once but twice but twice when the XXXX breach happened my name has been dragged through the mud and I owe money to a bunch of accounts that I didn't even apply for my phone was stolen had all my info in there, got so many calls and inquiries on my report that I did no authorize, reported to police no one ever followed up with me and I've been financially sturgglince since then and throughout XXXX, I am a XXXX XXXX XXXX XXXX XXXX I am XXXX of the backbones of this country fighting this war, and I have gotten no respect, from anyone, this has brought me to XXXX XXXX XXXX, I have documented proof of my depleting, XXXX XXXX filed XXXX police reports and test bureaus refuse to remove this false info, and have never even validated debt never gave me original statements and paper work, these companies have recouped their money and I and my family are still broken. I NEED HELP, I CAN NOT continue to struggle like this, my family is suffering!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution, which is XXXXXXXX XXXX and Zelle fail to investigate my claims adequately. They informed me that Recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate has failed to protect customers and allowed repeated offenders to exploit the systems. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still see the same fraudulent inquiries on my credit report, I even spoken with the companies and they said they put it to remove them but yet failed to do so ..nor has anyone provided me with physical verification of any sort. The following inquiries being disputed are .., XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft ; my information was exposed to the public in the Equifax data breach, and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 I submitted my application for a repayment program I was previous apart of with Fed Loans Servicing. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XX/XX/XXXX through XX/XX/XXXX. The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered Fed Loans Servicing had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450  and I felt like my life was ruined because I was trying to buy a house at the time. Fed Loans Servicing never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX   dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX dollars per month. I never expected Fed Loans Servicing to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage loan.