23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a private student loan that I initially opened with Chase student loan. They sold it to XXXX Last year my family had several health issues that caused us to fall behind on many bills including our mortgage. All other creditors including our mortgage company worked with us in helping us get caught up. XXXX turned my account over to XXXX XXXX XXXX when it defaulted. I have asked them for a loan Rehabilitation, but they will not do anything but take a large deposit and large monthly payments or a large settlement.
Product: Debt collection

LVNV Funding ascertained my XXXX XXXXXXXX credit card debt. Upon securing the debt for pennies on the dollar, no attempt was made by them to inform me of their ownership of my said debt. I found out while paying off derogatory marks on my credit report. This was XX/XX/XXXX. 
XX/XX/XXXX I have paid off the debt to them in full, in full mind you, to which it still has open on my report. Several calls and letters issued asking to please remove it or at very least to close the account. 3 years they let my intrest accrual and now after being paid, they won't close it. It's killing my chances of improvement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this creditor since XXXX XXXX will not update my account with the creditor XXXX XXXX . When XXXX  does an investigation, the results are always returned in 3-5 days stating accurate information. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and XXXX still won't update my report accurately. XXXX  always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated. 
I have disputed and contacted both XXXX  and Transunion about 2 creditors reporting incorrect information on my credit report. I have sent in proof that one of the creditors was paid in full and Transunion refused to update the information. Transunion stated that's the result of their investigation was accurate from the creditor, but the creditor is no longer in business. The creditor is XXXX To Learn balance $ XXXX. The collection agency for XXXX XXXX XXXX is XXXX XXXX and XXXX XXXX no longer is responding to any calls nor a current lawsuit for over payment of this account. Payment information was submitted to the collection firm and they still won't update my report. XXXX  will not update my account with the creditor XXXX Co. I've been disputing this account since XX/XX/2020. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the  creditor several times showing that the accounts are current and XXXX  still won't update my report accurately. XXXX  always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Toyota Financial Services for Violations of TILA & FCRA Demand for Account Removal To Whom It May Concern, I am submitting this formal complaint against Toyota Financial Services for violating the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ) by continuing to report a charged-off account with an outstanding balance on my credit report.

The account in question ( [ Account Number ] ) has been charged off, yet Toyota Financial Services continues to misrepresent the debt by reporting an inaccurate balance, in violation of : TILA ( 15 U.S.C. 1666i ( b ) ), which prohibits misleading credit reporting practices.

FCRA ( 15 U.S.C. 1681s-2 ), which requires creditors to report accurate information and correct any errors.

This false reporting is damaging my credit profile and directly violates federal consumer protection laws. I have previously disputed this with Toyota Financial Services, but they refuse to correct the issue, leaving me no choice but to escalate this matter to the CFPB.

I am formally requesting that the CFPB investigate this matter and require Toyota Financial Services to delete this account entirely from XXXX, XXXX, and XXXX. Simply correcting the balance is not sufficient, as the continued reporting of a charged-off balance is inherently misleading. 
Requested Resolution : I demand the immediate and permanent removal of this account from all three major credit bureaus. If Toyota Financial Services does not comply, I will explore further legal action for their noncompliance. 
I appreciate the CFPBs attention to this matter and look forward to a resolution.
Product: Debt collection

A loan was taken out in my name at XXXX XXXX. I've disputed it with the bank now I'm disputing it with National Credit adjusters , LLC. National Credit Adjusters told me that the money was transferred to a XXXX XXXX XXXXXXXX account. I do not have a XXXX  XXXX XXXX account to transfer money too. This has been on my credit for over a year and still has not been cleaned up or closed.
Product: Student loan

All previous payments are not posting to my loans on the Mohela website. 

My XXXX most recent payments made on XX/XX/24 and XX/XX/24 each in the amount of {$300.00} have not posted to my account. My account shows no recent payments were made. The customer service phone number also states that no recent payments were made. Additionally, I have made payments during my education that are not showing on the new platform. 

Meanwhile, interest is accruing to the original balance. 

On XX/XX/24 I called Mohela ( XXXX ) XXXX to speak to customer service. I was told by a customer service representative that I should receive paperwork in the mail with my new account number and all loan accounts will reflect payments made. This information is inconsistent with the email Mohela sent me on XX/XX/24. The email stated to log in create a new user ID and password to begin managing my account. The email stated to allow XXXX business days from the date of this email for all billing information to be available. 

This fills me with doubt and dread that all previous payments made were not accounted for. I should not have to pay interest on an inaccurate loan balance. I do not trust that future payments will be accurately accounted for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month with experian my fico goes up and down for no reason 2nd of each month with no reason. This time 15 points was taken last month went up the rest of credit bureaus no problem old stuff still showing accounts credit closed showing like I closed the account I have paid all credit cards off just have two loans car and personal loan so why do they keep dropping my score
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan, title loan, or personal loan

I, XXXX XXXX, applied online to a group of companies offering personal loans. 

I was under the impression that I was dealing with companies registered in the United States in a particular state ( Montana in this case ). It is believed that Bright Lending is charging approximately 685 % annual interest on a {$300.00} dollar loan with weekly installments of {$40.00} dollars. Three payments have been made with approximately 5 principal payments made between installment dates. Approximately {$150.00} to {$160.00} dollars up to this point has been made. Bright Lending is refusing to apply the additional payments towards principal payments. After further investigation, Bright Lending is believed to be breaking the law by charging annual rates above the State of Montana and the District of Columbia 's " Cap Interest Rates. '' The State of Montana does not have Bright Lending or any of it's affiliates listed as registered businesses. 

Bright Lending is believed to be working from an " off-shore haven '' ( XXXX ) where the site is listed as being hosted via a XXXX Search. Additionally a traceroute of the IP address indicates off-shore computer servers. 

My goals were to pay off the loan as quickly as possible within the District of Columbia 's Cap Rate of 24 %. It is believed that Bright Lending is a bogus site being operated by some third party refusing to be registered as a corporation in the US. 

It is believed that my phones were rerouted by Bright Lending in order to put me in a compromising situation relative to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am 120-150 days past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Mortgage

For one year I literally jumped through hoops for my homeowners support home modification application. Bank statements, certified letters, pay stubs resubmitted several times. After following all their guidelines I was approved. I had a 3 month trial period XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  I met all the requirements. Paid through the trail as contracted. Citi mortgage then sent a mobile notary for me to sign the final mortgage. I am still intrail at these crazy amounts. Theyre charging me {$140000.00} for a {$70000.00} loan. I felt as if they were taking advantage of me for I never heard anything again but was instructed to continue the trail payments. I have since stopped I fear that I am being scammed. The entire process has been one difficult thing after another with Citi never holding up their end. Why wasnt I given my mortgage upon completion of my trail payments. Please help me
Product: Credit reporting or other personal consumer reports

On XXXX  XX/XX/XXXX, I was out shopping for homes to support my family. We came across a home we all loved. We had XXXX, a mortgage company run my credit and come to find out my credit had dropped over XXXX points. Which was mind blowing at first and unfortunately made us not qualify for a lower rate on the home. And the reason for the sudden drop in credit came from unexpected student loans. Come to find out my student loans have gone XXXX XXXX past due and I never knew I had to pay them. Not a single phone call, email or mail to my home. I called XXXX XXXX XXXX  the next day and talked to XXXX people and both people said I do not qualify for grant you a courtesy one-time late payment removal for my most recent lates. Even though I was never notified. I then proceeded to pay off the XXXX XXXX they said I had owed. In additionally, my father and I already pay for my student loans each month so that's the only loan I thought we had to pay for not knowing there was more loans under my name. I just find is very frustrating that they can't give me a first time waiver for missing a payment I was never told about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that are on my credit report that I did not authorize
Product: Credit card

I had a XXXX XXXX in XXXX IA run my card without my acknowledgement. I called Capitol One once this happened. 
The account was locked and a new card was issued. 

2 weeks later the card arrived, I entered the information into Capitol One app.. the XXXX XXXX XXXX for double protection. 

I went to the optometrist to get a new pair of glasses.. trip to use the Tap to Pay/NFC chip.. 

Triggered a fraud attempt with Capitol one.XXXX and I have been without this card for over a month... sent everything needed.. spoke with over seven specialists... 

And the last Manager I spoke XXXX ... and many others were hostile to the point of fatigue on my end. Treating me as a Fraudulent Criminal... 

And now have permanently restricted my account ending in XXXX 

This has greatly effected my bill paying process, my livelihood and my liquid funds due to a farce Fraud system suspension.

Many of my bills were set with my XXXX Capitol One accounts... now I am without one.. 

They ( XXXX/Management ) told me today that my DL couldn't be verified.. and much more. 

Please pull all transactions and transcripts and recording since XXXX til today XXXX
Product: Debt collection

XXXX XXXX XXXX  SUNRISE COLLECTIONS AGENCY ESTABLISHED AN ACCOUNT AND HAS BEEN ATTEMPTING TO COLLECT A DEBT ORIGINALLY FROM XXXX XXXX XXXX NOW MY PERSONAL INFORMATION HAS BEEN SOLD FOR A THIRD TIME TO ANOTHER THIRD-PARTY AGENCY XXXX XXXX XXXX XXXX XXXX WITHOUT MY CONSENT. BOTH AGENCIES ARE CONTACTING ME NOW IN AN ATTEMPT TO COLLECT SAID DEBT. ACCOUNT IS PAST THE STATUTE OF LIMITATIONS AND THESE DEBT ACCOUNTS KEEP APPEARING ON MY CREDIT FILES CAUSING DEROGATORY MARKS OVER AND OVER AGAIN. I HAVE ALREADY DISPUTED THE ORIGINAL DEBT AND HAD IT REMOVED FROM MY CREDIT FILES, NOW THE DEBT HAS REAPPEARED YET AGAIN WITH AN INCREASED AMOUNT OWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX removed as a result of dispute multiple times keeps reappearing. 

Contacted creditor requesting information they advised they submitted removal several times and no such account is showing on file
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX AND THIS ACCOUNT WAS DISCHARGE UNDER MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. THIS ACCOUNT IS NOT REPORTING CORRECTLY ON MY XXXX CREDIT REPORT AND I HAVE DISPUTED THIS WITH XXXX AND CAPITAL ONE AUTO FINANCE MANY TIMES. I AM NOT ASKING THEM TO REMOVE THE ACCOUNT SINCE IT PART OF MY BANKRUPTCY SINCE IT NOT DUE TO COME OFF MY CREDIT REPORT UNTIL XXXX OF XXXX. THIS ACCOUNT NEEDS TO BE UPDATE CORRECTLY ON MY CREDIT REPORT. FOR EXAMPLE THE PAYMENT HISTORY GUIDE ON THIS ACCOUNT IS ALSO PART OF MY XXXX  XXXX BANKRUPYCY AND IT NEEDS TO BE UPDATE AS PART OF MY DISCHARGE XXXX  XXXX BANKRUPCY. THE PAYMENT HISTORY ON THIS ACCOUNT SHOULD NOT BE SHOWING ON MY XXXX CREDIT REPORT. MY LATE PAYMENT AND MY CHARGE OFF ARE PART OF MY BANKRUPTCY WHICH IS INCLUDED IN MY BANKRUPTCY AND IT NEEDS TO BE UPDATED CORRECTLY. SECOND THE TERM 72 MONTH IS ALSO INCORRECTLY IT SHOULD BE SHOWING XXXX SINCE THIS ACCOUNT IS DISCHARGE AND THAT PART OFF MY CREDIT REPORT NEEDS TO BE UPDATED CORRECTLY. CAPITAL ONE AUTO FINANCE AND XXXX ARE NOT REPORTING THIS DISCHARGE ACCOUNT CORRECTLY ON MY XXXX CREDIT REPORT
Product: Checking or savings account

I get a direct deposit from my pay for {$1900.00} every XXXX weeks. Its been like this for years. This week it did now show up. I waited XXXX days and called capital one to file a complaint. XXXX days later STILL no deposit
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inactions violate federal law and my rights as a consumer.
Product: Checking or savings account

I went into my SoFi bank account and it said restricted to call so I called and they said that they were checking it for fraud to protect me and since it was the weekend they would know more after the weekend well that week went on and same runaround people just telling me that it was being checked out by the fraud department and there was nothing they could do well this is gone on now for three weeks And I get told they just need to have the guy that sent me the money confirm that he sent it so I have him call and they say no they cant help because hes not a customer with them so I call back again and then they give me the same runaround and its been three weeks and my whole entire life is crumbling. I had to get a new phone because mine got shut off, so I had to get one that I am leasing so I have a new phone number now on top of everything I had planned to see my daughter. I havent seen in a year because she lives across the country has all just went up and smoke and they dont care and they put me on hold and they put me on hold and they wont. They wont let me speak to a supervisor they always say theres no supervisor so I stay on hold until I get somebody, Ive got one supervisor and now hes not calling me back because theyre waiting for it to be the weekend where they cant help me at all yet again the third weekend that I locked out of my account Im literally these people theres recordings of it. I cant believe how ridiculous this is. My freaking bills arent paying my rent rent, not paid. Im literally in a car with no air conditioning. Cant get it fixed. Have no availability to my money for almost a month and Ive done nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct these items immediately : 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 XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to transunion about a account thats showing up on my credit report with someone else name on its not my information I ask them to delete it and they still wont delete it
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 XXXX 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. 
EQUIFAX 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 EQUIFAX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard inquiries that I have no knowledge of : XXXX  XXXX XXXX XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX XXXX XXXX  XX/XX/19 Nay Fcu XX/XX/19
Product: Credit card

Barkley Bank Delaware refused to accept my claim of identity fraud and the fact I had proof the account was opened fraudulently by someone using my personal information.