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

My husband and I leased aXXXX XXXX XXXX VIN No. XXXX and regularly paid the monthly lease payments for 36 months. When the lease was about to expire we inquired with te XXXX Honda dealer about our options. Wewanted to understand whether it would be more advantageous to turn in the vehicle and pay the fees associated with the extra mileage/damages to the car or trade the vehicle in for a new car on terms adjusted to account for such extra mileage/damages. Ms. XXXX XXXX ( buying advisor at the Honda   dealer in XXXX ) wrote to us on XX/XX/XXXX stating Iwill be honest with you XXXX, I can't promise you any pricing until you come in and get an appraisal done. They have to see your vehicle because that works into the final numbers. On XX/XX/XXXX, Ms. XXXX wrote that That's fine XXXX, we'll do the appraisal and then get the numbers and you can make your decision. Make sure they ask for me when they come in. As a result, we brought the XXXX XXXX in so that it could be appraised and make an informed decision as to the best course of action. Thereafter, the dealer prepared an offer for a walk away at XXXX down + XXXX per month. On XX/XX/XXXX we wrote to Ms. XXXX with the following counteroffer if you can grant us XXXX miles per year instead of XXXX, we will sign your offer XXXX ( walk away at XXXX down + XXXX ). Please confirm or reject. On XX/XX/XXXX, Ms XXXX answered My Manager agreed to the deal, he needs to know what color you were looking for as we have to get one in for you. Our decision to trade in the leased carwas based on the terms presented to me as a walk away after Honda had the opportunity to appraise the XXXX to find out the cost associated with the extra mileage/damages on the car. The agreement was to trade in and walk away from the old XXXX for a newHonda AND pay a higher amount to cover for the damages associated with extra mileage and wear/tear of the trade in. Absent the walk away option we would have never accepted Hondas offer and would have turned in the vehicle without committing to a new lease at a much higher price for additional 2 years. Any attempt to provide a different interpretation of the facts as detailed above is clearly contradicted by the correspondence exchanged with the Honda dealer and contrary to the most basic common sense. 
Honda is now demanding payment of {$6600.00} in connection with the XXXX XXXX  XXXX recover the damages to the old car even though they agreed to a walk away in exchange for a higher lease payment ( almost {$700.00} per month ) on the new XXXX XXXX XXXX car my husband and I leased after turning in the XXXX car. They are attempting to collect twice for the same item.
Product: Debt collection

I have been contacted about a debt I do owe. I have tried to call and make the payment but their office is " not authorized '' to take my payment. I have tried to pay on line but the service responds that I am unable to pay over the website and must call. I have been provided a number to call that is authorized to take my payment but the phone number goes directly to a voice mail. I have now incurred over {$50.00} in late fees and am unable to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion, and XXXX  are continuing to report an outdated debt with XXXX XXXX/XXXX XXXXXXXX. A consumer reporting agency may not report outdated negative information. This debt is from 2005, which is well beyond the 7 year mark.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$620.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent Experian a dispute which i have attached, and have not received any response and it has been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the previous CASE # XXXX, the company 's response letter indicated that there was no record found in their database with my given information. 
The evidence below clearly justifies that there are 2 speeding tickets listed on my MVR which is absolutely vague. Here am struggling to find better insurance rates from the auto insurance companies and LexisNexis closed my previous case without any consent or resolution and provided an inappropriate reason. 

If the company does not have my MVR in their system, I would want LexisNexis to get that fixed on Auto Insurer 's ( XXXX ) end and provide them with accurate information.
Product: Credit reporting

I contacted Equifax about XXXX judgments that are still showing on my credit reports after multiple disputes and not receiving ANY documents to verify them. i gave the a call and spoke with the call center representative named XXXX. She insisted that Equifax contacted the XXXX XXXX XXXX XXXX to verify the judgments, but was providing false information because I forwarded her a sealed and stamped letter from the courthouse stating that they do NOT in fact verify nor validate information with the credit bureaus and they also DO NOT report information to them. Equifax has parroted my public information from an unknown internet source,, lied to me about where it comes from, and refuses to remove it per the FCRA because it is unverifiable. I 'll attach a copy of the court documents. Please resolve this issue as soon as possible.
Product: Credit card

I was never provided the XXXX grace period per the contract I signed. This was reported as balance a day after the purchase was made. No product was delivered at this time.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate and incomplete credit reporting by TransUnion. I previously sent a dispute letter XX/XX/XXXX, which is dated and time-stamped, yet the disputed information has not been validated or corrected, and it is still inaccurately reporting on my credit file. 

The following accounts contain erroneous late payment entries XXXX XXXX ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX According to federal law ( 15 U.S. Code 1681a, 15 U.S. Code 1681a-1, 15 U.S. Code 1666b ) , late payments should not be reported without explicit consent, and my report should not include transactions or experiences that I have not authorized.

These inaccurate late payments are negatively impacting my credit and violating my consumer rights. I request immediate removal of these late payments and for my credit file to reflect accurate and verified information. I have attached supporting documentation as evidence of the errors. 

Please correct this reporting within 14 days, or I will escalate this matter further.
Product: Debt collection

On XXXX XXXX, 2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX Assignee of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XXXX XXXX, 2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XXXX XXXX, 2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle  that was REPOSSESSED MORE THAN 10 YEARS AGO!
Product: Checking or savings account

It is my habit to monitor my small business checking account for duplicate charges, over-charges, charges for cancelled products & services, or products & services never received. I do so, primarily because I have noticed a sharp uptick in these types of " errors '' in recent years. The current algorithmic business culture seems to employ these tactics to increase revenue, knowing that most will never be caught or disputed. Wells Fargo has the opportunity to access the validity of my claims through an investigatory process. In all cases the WF investigatory process determined my disputed charges to indeed be " errors, '' and funds were rightfully restored to my account. Despite the acknowledged validity of my claims, WF tallies the number of such disputes ( the number of which is beyond my control ) and suspends ATM card privileges when a ( unknown ) threshold is met. This practice is clearly designed to discourage the dispute process. This practice favors the fraudulent billing practices of the corporations and business entities which generate the majority of the bank 's funds and subsequent profits. Small business and private individuals are not afforded the same privileges & protections as WF allows the billionaire business class. It is a morally bankrupt practice which should be legislated against. This is the 2nd time WF has truncated my contracted ATM services, rendering my WF accounts essentially unusable.
Product: Mortgage

Dear CFPB, This medium is to seek CFPB intervention in a situation that we found ourselves with Freedom Mortgage. 

We bought our house in XXXX XXXX that was financed by XXXX XXXX but was later transferred to Freedom Mortgage. In XX/XX/XXXX I started get several calls from an XXXX number unknown to me at the time that it was Freedom Mortgage calling day and night, which I returned the call but while talking to the agent that picked my call, she mentioned that my monthly payment has gone up by XXXX dollars. I informed the agent that I did not get any correspondence about the change, the agent admitted that they did not send any letter or email. After speaking to the agent I begin to pay the extra XXXX dollars. A month later I received a bill that we owe two months ... .I always send my bill 10 to 12 days before the due date. 


Two months after the XXXX dollars increase they send another letter that my mortgage will go up again by another XXXX dollars starting from XX/XX/XXXX payment. Speaking to several people at this company have produced a lot of run arounds and misleading information. I was told that the XX/XX/XXXX increase was from my State NC requirement which I called NC State and that was not a truth which Freedom Mortgage customer relations XXXX XXXX also attest to it not being the truth. 

I have spoken to Freedom Mortgage customer relations personnel that told me that all the fees on my account has been removed but to my surprise Freedom Mortgage has used one of my monthly payment to pay the fees and keep the rest in one account which is making my account look like I am one month behind. I have all the bank statements that shows that I make payment on time and regularly. 

Your help on how Freedom Mortgage will reset my account back to normal will be greatly appreciated. 

Thank you in Advance. 
XXXX
Product: Credit reporting

Experian is reporting XXXX on my credit report enclosed this is not mine please remove it asap.
Product: Credit reporting or other personal consumer reports

I am being discriminated against. 

I am filing this complaint due to TransUnions restriction on my ability to access my credit report online, without clear justification or guidance on resolving the issue. Despite providing the necessary documentation and identification information, TransUnion has restricted my access to my credit file, citing security purposes without specifying the conditions or steps required to remove this restriction. This lack of transparency is preventing me from monitoring my credit as needed. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to access my credit report and dispute any inaccurate or incomplete information. Specifically : 1. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access my credit file maintained by consumer reporting agencies like TransUnion. By not allowing me to access my file online, TransUnion may be infringing upon my right to obtain my own credit information.

2. Section 611 ( 15 U.S.C. 1681i ) ensures my right to dispute any inaccurate or incomplete information. The current restriction on my file limits my ability to review and dispute errors that may be present.

3. Section 605B ( 15 U.S.C. 1681c-2 ) provides protections for identity theft victims, allowing them to place and remove fraud alerts or security freezes. However, I did not request a security freeze, and TransUnion has not provided an explanation for the restriction. If this restriction is due to a fraud alert or security freeze, I should have been notified and given the option to lift or remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. Please view error message ( s ) via screenshot attachment. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, XXXX, & EQUIFAX. Proper identification is provided.
Product: Credit reporting

On or around XX/XX/XXXX I directly disputed a collection account ( XXXX Accounts ) with Experian, as they did not validate the debt pursuant to my request and federal laws. Allegedly, Experian conducted an investigation and determined that the account was mine. On or around XX/XX/XXXX, I requested that Experian provide me with the method in which they verified the account. To date, Experian has not provided me with their method of verification.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Accounts and Student Loans Fraudulently Opened by Ex-Husband I am filing this complaint to report several accounts and student loans that were unlawfully opened in my name by my ex-husband without my knowledge, consent, or authorization. These actions have negatively impacted my financial standing and credit profile. The fraudulent accounts include : Student Loans : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX Other Unauthorized Accounts : XXXX  - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX - Account Number : XXXX I request that the CFPB investigate this matter, as these accounts were fraudulently obtained without my permission. I have not benefited from these loans or accounts, and I should not be held responsible for any balances or derogatory marks that these creditors have placed on my credit report as a result of this fraudulent activity.
Product: Student loan

Tried to make an additional payment to principal on my XXXX loan today ( XX/XX/year> ) and EdFinancial told me I was not allowed to do so until I had paid ALL the interest associated with the loans first. This is not only untrue and illegal, I know they have been sanctioned by you for this in the past. Not only are they doing it again, they are saying the Department of Education is forcing them to do it. When I asked to be connected to a XXXX, they would not do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Dispute of Inaccurate Late Payments under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX  for inaccurate information on my credit report related to late payments. These late payments have been erroneously reported and are inconsistent with the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency period due to COVID-19, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX XXXX Under the CARES Act, my account was supposed to be reported in a favorable status as a payment deferral was granted. Despite complying with the terms of this program, my credit report shows late payments, which constitutes a violation of this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. In this case, the information on my credit report is inaccurate and is unfairly damaging my credit history. I request that the CFPB intervene to ensure that a proper investigation is conducted and that the incorrectly reported late payments are removed. 

Truth in Lending Act ( TILA ) Under the Truth in Lending Act ( TILA ), creditors are required to provide clear and complete terms, as well as accurate communication regarding any loan modifications. I was not adequately informed by XXXX XXXX XXXX A about how the relief program would impact my credit history, which is a violation of TILA. 

Request For these reasons, I request that the CFPB intervene to investigate this matter and ensure the removal of the inaccurately reported late payments from my credit report. I am attaching supporting documents that demonstrate I was part of a financial relief program and that these negative reports should have been avoided. 

I trust the CFPB will take immediate action to resolve this issue in accordance with the applicable laws and in the interest of consumer protection. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XX/XX/XXXX. I just want it settled and updated for XX/XX/XXXX that I do not owe anything since It was settled between myself and customer service.
Product: Debt collection

Around XX/XX/XXXX I opened an account with XXXX for a motorcycle. In XX/XX/XXXX, I paid this card off. I was summons to court in XX/XX/XXXXby XXXX XXXX ( company who bought loan ). I was able to prove payments were made and the lawsuit was dropped in XX/XX/XXXX. The amount I supposedly owed was {$6100.00} and I paid {$12000.00}. I checked my credit report and this negative account was taken off ; however, in the past month it has shown up again with a new opened date of XX/XX/XXXX. I have contacted XXXX XXXX XXXX, but they haven't been much help. They refuse to take this off my credit.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists. I have no open account with this company. Remove off my report.
Product: Credit card

PLEASE NOTE : PAYPAL AND BILL ME LATER ARE OWNED BY THE SAME ENTITY I have two accounts : # 1 Bill Me Later / XXXX account # XXXX PayPal Credit account I was staying current on both of them. After XXXX XXXX ( my last payment to account # XXXX, see evidence XXXX ), I was told by PayPal that account # XXXX had been renamed and reclassified as PayPal Credit. It was noted that I need not do ANYTHING further to consider account # XXXX as a PayPal Credit account ( please see Evidence XXXX ). 
You can link your PayPal Credit account to PayPal.com account. However, my original PayPal Credit account ( # XXXX ) ended up being the linked account on the PayPal.com website ( never offered a selection ), with NO ability to link the new, secondary PayPal Credit account ( # XXXX ). I had no idea the functionality worked like this, nor was this disclosed in the PayPal Credit FAQs ( see Evidence XXXX ). Thus I began paying down the PayPal Credit as usually ( # XXXX ) as shown through the PayPal.com website and completely paid that balance to zero ( see Evidence XXXX ). 
Little did I know that # XXXX was never linked to PayPal.com, so I had no visibility into the account or to access statements. I did not know that I had to go to the OLD Bill Me Later / XXXX site to make payments as PayPal was even calling the new product PayPal Credit! This is very misleading to the consumer who assumes his product is called " PayPal Credit '' now. 
This resulted in me not paying off a promotional no-interest offer by XXXX XXXX ( original balance {$450.00}, see Evidence XXXX ). Interest was accrued ( and is still accruing ) with penalties. Interest and penalties as of the XXXX/XXXX/XXXX statement amount to {$290.00}. My proposition to PayPal was to pay the {$450.00} and cancel the card. They refused and demanded I pay interest. I will not do this as I believe PayPal did not take into account situations in which customers would now have more than XXXX PayPal Credit account. 
The situation was further exacerbated when I would call in and the representatives would refer to XXXX accounts as PayPal Credit, which I would then assume was paid off. 
I am a good American who takes his debt seriously ( please see my XXXX, Evidence XXXX ), but feel like I was unintentionally misled by a process that was n't thought through end-to-end. To this day, I am unable to link XXXX accounts to PayPal.com even though they are PayPal Credit products. I reiterate, I am unable to get a holistic view of my credit with PayPal in XXXX spot. I have no problem paying the debt I signed up for, but I would never in my life pay interest on a promotion I knew I had to pay off. PayPal should have disclosed the issue with their linking and informed customers they should continue making payments through the old portals they were used to. Please help, CFPB. PayPal refuses my offer and wants to turn a profit on their poor system design.
Product: Debt collection

I called The Medical Business Bureau Since its affecting my  credit score with a  collection i do not owe ... i asked them to review the information on file and compare it to my social security number and they said it didnt match ... i asked them to have it removed immediately and so far nothing has been done ...
Product: Money transfer, virtual currency, or money service

Over the past 3 months, XX/XX/2021 through XX/XX/2021, Ive been trying to withdraw my money from the Robinhood Investment App. Currently the value is {$13000.00}. I also tried to transfer the amount to another investment company. I tried calling Robinhood, but you get a pre-recorded message and a hang up. I have money sitting with Robinhood that I can not access. Robinhood will allow me to transfer funds into my account for investment, but they are not allowing transfers out of the account. Seems transfers out have been unjustly disabled.