23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have leased a  XX/XX/XXXX  Toyota  XXXX  since   XX/XX/XXXX . My  monthly payment is  XXXX . I requested a deferral  of two o f my lease payments for the months of   XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I  pai d two d eferral fee 's of  XXXX  each. I was told that the payments for the month of  XXXX  and  XXXX  would be added to the end of my lease. My credit reports show for the month of   XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and Toyota reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but declined to do anything further.  This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way Toyota has reported.
Product: Student loan

I am complaining because ( 1 ) a payment was taken out of my bank account after my loans were fully forgiven and ( 2 ) the Department of Education / MOHELA ( a ) indicate that I made additional payments after the 120 required for PSLF forgiveness but ( b ) are not indicating that I am due a refund. It has been many months. I would like to know when my refund will be issued.
Product: Credit card

Formal Dispute of Unauthorized Accounts and Transactions To the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding unauthorized credit card and other transactions that have appeared on my credit report. I have no knowledge of these accounts or transactions and have been disputing them for years, yet they remain unresolved on my report. 

Despite my repeated efforts to correct this issue, the disputed items have not been removed. I am requesting a thorough investigation and immediate action to rectify these inaccuracies. This situation has negatively impacted my financial standing, and I seek a resolution as soon as possible. 

Please advise on the next steps and provide an update on the progress of this matter.
Product: Vehicle loan or lease

AN ACCOUNT WITH CAPITAL ONE AUTO HAS BEEN OPENED IN MY NAME WITHOUT MY CONSENT. I DID NOT GIVE PERMISSION FOR THIS ACCOUNT TO BE OPENED. THE AUTO LOAN IS FOR THE AMOUNT OF {$44000.00} IVE CALLED THE CREDIT BUREAUS, CAPITAL ONE AND IVE WRITTEN LETTERS WITHOUT ANY CHANGE. THIS IS CAUSING A GREAT DEAL OF HARDSHIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an outstanding debt with XXXX, the assigned credit collection company by XXXX XXXX. Payment was a lower amount, and was for payment in exchange for PAY FOR DELETE. 

Attached are the payments receipts, and I received verbal confirmation from XXXX agent on XX/XX/XXXX at XXXX.
Product: Credit reporting

This federal tax lien was paid and WITHDRAWN through the XXXX and should have been removed from my credit report. I uploaded the form from the XXXX to Equifax and disputed it XXXX, but they say they keep verifying with the XXXX County tax recorder office. I 'm attaching the form from the XXXX verifying the lien was paid and approved for withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I submitted a dispute with the 3 bureaus and I have yet to receive a notice of the investigation. I really need this matter resolved.
Product: Credit card or prepaid card

I was served for an account I have no knowledge about, this is fraud XXXX for amounts {$7200.00} Ive reached out to the company This account is not on my credit report! 

Credit Corp Solutions
Product: Debt collection

Sunrise Credit Services , Inc. is attempting to collect a debt for a creditor named XXXX XXXX XXXX XXXX, which is my mobile carrier and I am in good standing. 

When I question them about this debt, they then say this is for XXXX XXXX XXXX XXXX XXXX. 

I contact XXXX XXXX XXXX XXXX life to have them provide security services for a home. They were not able to install the service when required, subsequently, nothing was signed, nothing was installed and the service was NEVER activated. I am not able to get any on at XXXX XXXX XXXX to address this issue.
Product: Credit reporting

I have had identity theft happen to me. When I found out, I contact the sheriff 's department and I made an identity theft report # XXXX at XXXX sheriff 's department on XX/XX/2015 I contacted XXXX and XXXX and they removed all the accounts that were n't mine in 90 days. But I sent TransUnion many letters, e-mails, and phone calls and they refused to remove the accounts that were not mine ; 1- XXXX XXXX XXXX 2- XXXX # XXXX 3- XXXX # XXXX 4- XXXX # XXXX Last phone call I made was with XXXX employees names XXXX and XXXX. They told me that they 're prohibited to accept the police report. Also, I need to contact the creditors and when I did, they asked me to pay XXXX % of the amount so they 'll take it off my credit. I am very frustrated with TransUnion because they kept these accounts that are n't mine on my file for almost one year now. It kept me from applying for jobs and paying high interest on my credit card. My car is in bad shape and I ca n't buy a new one because I 'll have to pay high interest if it approves me. Please help resolve this issue with TransUnion, I 'll appreciate it very much. Thank you.
Product: Mortgage

In XX/XX/XXXX my mortgage from XXXX was sold to Nationstar Mortgage. In XX/XX/XXXX Nationstar Mortgage took an unauthorized payment from my escrow account for {$170.00}. Nationstar Mortgage was notified of the error that they made in XX/XX/XXXX, only to discover that they took another payment for {$170.00}. I was informed the payments were for Mortgage Insurance Premiums. I never paid this with XXXX. They have since stopped the payments. I have requested the money get refunded to my escrow account on numerous occasions, along with the lost interest, and a corrected form XXXX. As of today none of my requests have been done. Now I have received a notice from Nationstar Mortgage that my escrow will have a shortage of {$100.00}. I feel that this is wrong considering that if they never took the money out of my escrow, it would not be short. I have been on the phone for over 10 hours with many different departments and several supervisors. Is there any legal recourse for the money " stolen '' from my account, along with the stress of this whole situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX and XXXX XXXX # XXXX are double reporting on my credit report. These accounts are not only in violation but are also settled in full and have been paid off already. There is no reason for these to still be on my credit and they need to be removed off of my file immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am speaking to XXXX XXXX XXXX, EXPERIAN, AND XXXX! 
For almost four months now I have been fighting inaccurate scores based on XXXX XXXX careless actions and i'm XXXX sick of this. This battle has taken a tremendous toll on my health and financial well-being! I am submitting two separate complaints as there are two issues that has occurred relating to the same but I NEED TO BE CLEAR BECAUSE THIS HAS GONE ON LONG ENOUGH!!!!! 

IN XXXX, XXXX submitted a code to XXXX, EXPERIAN, and XXXX to update a remark after a Federal Disaster ended. I found out yesterday that the code they submitted to you " CN '' is the same code they submit when a loan holder 's account is in a current loan modification status. MY ACCOUNT IS CURRENT!!!! MY Loan Modification was in XXXX! Where is the common sense in using the same code for people in a current Loan Modification status and someone whose account is current, but needs remarks updated about a previous loan modification status? There is no sense in that! 

It all comes down to the code that XXXX submitted in XXXX that started all of this! XXXX, XXXX, AND EXPERIAN have still not recovered my scores they way they were before XXXX submitted that code in XXXX! I initially lost 54 points from XXXX, 41 from Experian, and 34-41 points from XXXX. MY ACCOUNT IS CURRENT AND HAS BEEN FOR THE LAST THREE YEARS!!! There are no words to describe how XXXX  this nightmare has been since XXXX submitted that code in XXXX XXXX. A code that was simply to update a remarks however put my credit score in a devastating tail spin that has prevented me from getting the best insurance rate and the best rate after my promotional interest rate expired on my HELOC. Most importantly XXXX XXXX, XXXX, EXPERIAN, AND XXXX you took away my peace of mind and all of the hard work I've put into building a credit score that I was very proud of. 

I now have an attorney as this was too much for me to endure alone. XXXX, XXXX, XXXX AND EXPERIAN have violated my rights as a consumer under the Fair Credit Reporting Act.
Product: Debt collection

Sallie Mae/Navient has misrepresented the borrower 's ( my ) interest for years with my federal student loans. I have routinely attempted to set my auto-payment amount larger than what is actually due to attempt to pay off my student loans without paying as much interest. In the past, Sallie Mae/Navient has either disbursed the overpaid amounts to my lower interest student loans despite my requests for the overpayment to go to higher interest student loans first, or has lowered the set auto-payment amounts so that less will be paid off on my principle balance. As of today, I am trying to reset my auto-payment amount once again to a monthly payment amount that is greater than what is owed and it is no longer an option to be able to do this on their site. Furthermore, in cancelling the previous autopayment to pay a monthly amount greater than what is owed, they have removed the " benefits '' given to autopayment enrollees despite signing back up within an hour. 

Sallie Mae/Navient has constantly undermined my ability to be able to pay less in interest to them and are always engineering new ways to make things harder for those who wish to owe less for student loans. This is predatory behavior that is unacceptable and unbecoming of a company who is supposed to represent the United States Government due to their contract to manage federal student loans originating through the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

Though there are protections in place to prevent XXXX discrimination in nearly every aspect of life, the three credit reporting agencies are happy to discriminate on XXXX people covered under XXXX protections in the way that they report. Despite multiple attempts to have misleading information removed from my credit reports ( which has prevented me from being able to secure financing based solely on data that was the product of blatant XXXX discrimination ), the agencies refuse to represent my financial responsibility in a way that adequately represents my spending habits. In stead of demonstrating my credit worthiness, the credit agencies are skewing my results due to accounts that I could sue for blatant XXXX discrimination ( which I am working on ). While the effects are minimal for the other FICO scores, the accounts that are inaccurately depicting my financial responsibility lower my FICO-4 score ( which is used for mortgages ) to a ridiculously low level and will exclude me from home ownership for the rest of my life. The account in question has four years of negative payment history following the notification from the Attorney General 's Office that the account needed to be modified to accommodate my XXXX. My XXXX began two years prior to that in 2012.
Product: Credit reporting or other personal consumer reports

I would like to formally express my concern regarding a series of recent developments in the financial services industry that have resulted in multiple lawsuits being filed against various institutions. As a consumer, I am deeply troubled by reports of questionable practicesincluding hidden fees, deceptive lending terms, and other unfair practicesthat not only undermine consumer trust but may also violate established consumer protection standards.

Recent news articles and legal actions suggest that several financial institutions may be engaging in behavior that jeopardizes the financial well-being of their customers. These practices appear to be widespread and potentially systemic, raising serious concerns about the overall integrity of the industry. I believe that such actions are contrary to the consumer rights that the CFPB is charged with protecting, and I feel compelled to bring this issue to your immediate attention. 

I respectfully request that the CFPB initiate a thorough investigation into these matters. Specifically, I urge your office to examine whether these practices violate any applicable laws or regulations designed to protect consumers. In addition, I would appreciate any guidance on how affected individuals like myself might safeguard our interests while this investigation is underway. 

Thank you for your prompt attention to this serious matter. I trust that your office will take appropriate steps to address these concerns and help ensure that consumers are not further disadvantaged by exploitative practices within the financial sector.
Product: Money transfer, virtual currency, or money service

I called XXXX  to check on a refund I was due. Someone answered as XXXX  and said they would help set up a refund. They said they were refunding money to my acc and I need to go to.my bank acc to receive the refund which I did. They e Were giving me instructions to do on my acc. They were taking money XXXX XXXX dollars out of my acc as I was on the phone. After a few minutes I called my bank of America to see if something was wrong as I had them on the phone. Bank of America said they would report S but would not report as fraud but would not refund my money. They could have stopped this transaction as I was on the phone with the person.this happened in a matter of minutes. I am on social security and this was my bill and household money. Please is their anyway you help me. I am desperate. XXXX XXXX XXXX Bank of America XXXX XXXX az XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX Az. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I'm in the middle of a divorce and I checked XXXX XXXX in XX/XX/XXXX. I found that my wife had opened up a Best Buy/CBNA card in my name in XX/XX/XXXX ( XX/XX/XXXX to be exact ). So I just found out about this fraudulent card a few months ago. I contacted Best Buy/Citi and told them that I didn't know this card existed, and that I never opened the account. The fraud team told me that they would do nothing, that I was responsible for the {$4100.00} balance, and that it would remain on my credit file and credit report. I explained that the card was opened in my name and that I didn't know about it for 8 years. Best Buy/Citi still would do nothing about it and held me responsible. On my divorce lawyer 's advice, I requested the statements from XX/XX/XXXX to XX/XX/XXXX, which they sent me. I was also advised by my attorney that since my wife admitted to the fraud in my name, that I should still pay the minimum monthly balance, which I have been since XX/XX/XXXX. Even if my wife has to pay for the balance when our divorce is final ( and this is only my hope and my lawyer 's hope ), this Best Buy/Citi card has been on my credit file for 8 years without my knowledge, and as a result has affected my credit score and financial health for 8 years without my knowledge. I'm surprised that Best Buy/Citi allowed my wife to open the card in the first place - that their business practices are so fraud-prone and unethical ; and I'm even more surprised that after I informed them 8 years later, they will do nothing to correct their mistake, and I continue to pay for a card I did not even open, nor know about.
Product: Mortgage

I filed a complaint bbagainst IBERIABANK for using a false debt to income ratio to deny my application for a home equity line of credit.The response letter is further evidence of what I experienced. This bank will not explain what their criteria is concerning debt to income ratio, and how it is calculated.They have now changed the reason for the loan denial to lack of verifiable income.This is also false. My XXXX per month income was verified by a signed IRS form XXXX ( request for transcript of tax return ) signed by my wife and myself. And the monthly debt payments of less than XXXX was verified by the credit report.There are no inconsistenciesregarding the hand written tax return. Banks use form XXXX to verify that all information on tax returns are accurate. Finally a bank can not consider income on forms XXXX as unusual, And refuse to count it as actual income. All of these falsehoods ; and changing the original reason for denial ; to lack of verifiable income, is more evidence of my original thoughts. I believe the real reason for denial was age discrimination.
Product: Debt collection

I repeatedly asked them to stop calling me between XXXX as I am at work. They called multiple times a week during my work hours. When I repeatedly said I can not talk during work, they said that would result in being turned over to an attorney for legal action.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The company XXXX XXXX, ( Barclay ). They gave me limit of XXXX   on XX/XX/XXXX then decreased amount on XX/XX/XXXX to XXXX. I already had XXXX on the card. Then they hit my credit report and hit me with fees.
Product: Vehicle loan or lease

Ally Bank has not provided me with any billing statement since XXXX-2024. I do not have any accurate information of how much of my payment went to principal and how much went to interest. I am updated with my payments. 
The number for Ally Bank is as follows : XXXX XXXX The address : Ally Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown account on my credit report. I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately in my report. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a inaccurate bankruptcy account reporting on my credit. I personally contacted the credit ( bankruptcy court ) to where this was being handled from ( main source creditor ) & they said they do not report to TransUnion XXXX XXXX  nor do they do to third parties. So I contacted & show written statements showing the credit bureaus ( TransUnion XXXX XXXX ) where going against the law & they have not responded they basically said forget me I have been waiting for 50 days in contacting. So today I need the bankruptcy account & the accounts included in the bankruptcy reporting to be removed off my report indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted extensive XXXX Medical Documentation and documentation of XXXX from the United States Office of Personnel Management, as I am a XXXX  XXXX employee from the XXXX XXXX  XXXX XXXX XXXX. These payments were on deferral during a 2 month period. However, XXXX  and the credit card company refuses to recognize the documentation.