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

XX/XX/2019 : My family and I leased the car for {$250.00} per month, which was due on the XXXX of every next occurring month. 

Around End of XX/XX/2019 : Toyota Financial Services ( TFS ) called us and said that they didn't receive the payment although the bank statement proves otherwise, showing that it was deducted. 

XX/XX/2019 : The monthly payment was refunded. This is an important detail, although seeming minor. 

XXXX, XXXX, XX/XX/2019 : They took the monthly lease for the car successfully. 

XX/XX/2019 at XXXX XXXX : They towed the car away and said that we didn't pay them for three months of the lease. 

XX/XX/2019 : We payed {$1200.00} through the phone using a debit card. For the tow services we payed {$130.00} cash. 

In summary, the company relentlessly refused to acknowledge that we payed for the car despite sending our bank statements to TFS which was enough proof. They refunded the XXXX payment on purpose so they have a reason to tow the car, as their policy states that our car can not be towed if we payed for three months consecutively.
Product: Mortgage

The reverse mortgage was taken over by XXXX from XXXX XXXX on XX/XX/XXXX. In XXXX, XXXX they asked for proof of insurance, and it was sent over to them. They sent a second notice, and again proof of insurance was sent. On XX/XX/XXXX they put their own insurance onto the property because they said that they never received the proof. After many attempts to correct this, they finally refunded the forced insurance premium on XX/XX/XXXX saying that they now have the in force insurance that had been in place all along. However, they said that since " they '' did not receive the policy in time, that they can change the terms of the contract and drastically reduced the monthly amount they are paying on the reverse mortgage. They wanted me to sign a document agreeing with the " new '' payment plan, which I did not sign. It appears that there may be some fraudulent action taken by XXXX by just saying that they didn't receive the proof of insurance so they can change the terms of the contract and reduce the money that is paid monthly. I have called them several times over the past 2 months to get them to reinstall the correct payment, and they refuse. Please let me know what can be done.
Product: Mortgage

Regarding my complaint number XXXX. The Bank of Americas has responded to my complaint. As you can see, it is with contempt for the authority of the CFPB. Both letters were submitted on the same day and previous to your message of XXXX/XXXX/2016 saying they needed 60 days. They modified my loan : the results are the same 9.5 % for {$50000.00} loan.
Product: Money transfer, virtual currency, or money service

I requested money on paypal from my aunt for {$1100.00} to repay me for purchasing a hotel for a trip. In the money request it did not ask that I designate it as a friend to friend transfer ( no fees ) or a business transfer ( fees ). My aunt said there was no option to designate as a friend to friend transfer or a business transfer so she just clicked pay. I was charged {$33.00} for the money transfer. I asked paypal to refund the fee because we didn't see options to not pay the fee on the request end or the payment end and they refused.
Product: Mortgage

I have a ratified sales contract to sell my property on XX/XX/XXXX. However, the property is scheduled for sale on XX/XX/XXXX. The ratified purchase contract was provided to SN Servicing Corp and their counsel XXXX, XXXX, XXXX XXXX XXXX XXXX. It was advised that I didn't have the right to sell my property. I am the owner of the record and currently being foreclosed on, so I don't understand how I am not the owner. Please help me save my property.
Product: Mortgage

XX/XX/XXXX Dear FTC, I applied for forbearance consideration with my mortgage lender ( PNC Bank N.A . ) under the terms of the 2020 Cares Act mortgage forbearance Terms on XX/XX/XXXX. Unfortunately, PNC countered with a forbearance program that was inconsistent with the Cares Act in that the loan modification would be " resulting in additional interest accruing over the life of the loan. '' See PNC letter Dated XX/XX/XXXX. I found that response very troubling. 

Due to the inconsistency with the 2020 Cares Act ( Section 4022 b ( 3 ) titled " Accrual of Interest or Fees '', I declined the PNC forbearance offer in writing on XXXX, XXXX. PNC Bank put me in their forbearance program anyhow. In my opinion, PNC appeared to unfairly put themselves in position to increase their profit from my loan despite Cares Act forbidding such activity. 

I have made numerous calls and trips to PNC bank to clarify the additional fees or interest they are planning to charge me via a modified amortization schedule that would show such additional time line of payments and/or any additional interest. They have refused to provide a amortization schedule or document that could verify I would pay no more than the total total finance charges of {$300000.00} listed on my original Installment Loan Disclosure document dated XX/XX/XXXX. They claimed no original amortization schedule existed at time of closing ( not provided to me with closing documents ) or could possibly be produced as a result of a forbearance loan modification. In fact, Ms. XXXX XXXX ( PNC retail support expediter ) refused my specific requests for original and modified amortization schedules during my phone conversation with her on XX/XX/XXXX at approx XXXX XXXX claiming that an amortization schedule for my loan " does not '' and " can not possibly '' exist. I find that position inexplicable as well as unacceptable. I would sincerely appreciate your help resolving my concern over this apparent Cares Act violation. 

Sincerely Yours, XXXX XXXX XXXX XXXX. 
Encl. 6 pages
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity-Theft and have previously reported this to the Local Police, FTC, XXXX, XXXX, Experian and Creditors. I have placed Fraud-Alerts and a Freeze on my reports previously. I have once again befallen to Unsolicited or Unauthorized Inquiries from creditors that I have not given permissible-purpose to acquire. 1.XXXX  XXXX  XXXX XXXX ( XX/XX/2019 ) 2. XXXX ( XX/XX/2019 ) 3. XXXX XXXX XXXX ( XX/XX/2019 ) 4. XXXX XXXX ( XX/XX/2019 ) 5.XXXX  XXXX  XXXX ( XX/XX/2019 ) 6.XXXX XXXX  XXXX  ( XX/XX/2019 ) 7. XXXX  XXXX XXXX ( XX/XX/2019 ) 8. XXXX XXXX ( XX/XX/2019 ) 9.XXXX XXXX/XXXX  XXXX  ( XX/XX/2019 ) 10. XXXX XXXX ( XX/XX/2019 ). 11 XXXX XXXX ( XX/XX/2019 ) 12. XXXX XXXX XXXX  ( XX/XX/2019 ) 13.XXXX  XXXX  ( XX/XX/2019 ) 13. XXXX XXXX ( XX/XX/2019 ) 14. XXXX XXXX ( XX/XX/2019 ) 15. XXXX ( XX/XX/2019 ) 16. XXXX XXXX  ( XX/XX/2019 )
Product: Debt collection

Jefferson capital has continuously called my work phone, I have instructed them to stop contacting me because that is not my debt, yet that will call at least five times a day, after I have explained to them I can not have calls on the number, they refused to give me their name when they are calling, and when I ask them for the company number to speak with a manager, they hang up the phone. I have explained to them that is not my debt. I have been harrassed, and threaten with legal actions if I do not respond. This is becoming a nuscience in my life.
Product: Money transfer, virtual currency, or money service

My complaint is with Bank of America in XXXX Florida. Please investigate them for AML ( anti money laundering ) and BSE ( Bank Secrecy Act ). The money I sent to open up a certificate of deposit was a scam that was run through their bank and the amount of my deposit was {$380000.00}. I was told by my local police that millions of dollars had been deposited in that account before they moved on. The FDIC lady I talked to said that is what she suggested that I do. She also suggested that you investigate XXXX for providing the advertisement for the fraudulent bank. I know I already sent in complaint # XXXX that describes what happened. Thank you for all you do.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible. 


EXPERIAN - 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 XXXXXX/XX/XXXX PLEASE SEE ATTACHED see attached, please remove.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX XXXX, I tried several times to transfer money from my XXXX  payroll card to a joint checking account in my name, and it repeatedly came up with an error message in the app and on the website. I tried contacting truist using the online chat function,, they were unable to help and was sent to a different phone line, they sent me to a differrent support line, and all three were unable to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
Product: Credit reporting or other personal consumer reports

I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
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 reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPD ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Report act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 
I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. 

I appreciate your immediate attention to this matter and look forward to a swift and satisfactory resolution. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was told that if I paid the debt off they will remove it off of my credit, I paid the debt on XX/XX/XXXX  and it still has not come off of my credit report yet and I was wondering why
Product: Credit reporting or other personal consumer reports

XXXX, XXXX AND TRANSUNION HAVE BEEN REPORTING INACCURACIES AND OBSOLETE INFORMATION ON MY CREDIT REPORT. 
XXXX5 U.S. Code 1681a ( 2 ) ( a ) 1 EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the ( consumer ) = ( ME ) and the ( person ) = ( CORPORATION ) = XXXX XXXX XXXX XXXX, XXXX XXXX, making the report ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

To Whom It May concern, I had attended XXXX XXXX XXXX, XXXX XXXX MN between XX/XX/XXXX XX/XX/XXXX At the end of every quarter, the financial aid office had me sign documents, that ultimately would be high interest rate ( XXXX12 % ) private loans, without really explaining what the loans were or providing any additional options for financial aid. I did earn a XXXX degree, however, I have been on countless interviews over the last 5 years, and no one in the field recognizes my degree nor do any of my credits transfer. As a result I have XXXX in student loan debt, XXXX of which are private loans that are unable to be lowered or postponed. I must also include that I am an adult XXXX ( XXXX ) - I had attended the school because I was interested in XXXX- I struggled with being in class, but made the school very aware of my XXXX. They promised to assist me with finding a job after graduation, but I have not heard anything from them since the 5 years after. Also XXXX has really affected me from being able to interview well enough for a job that would be pay enough to even pay off these loans. I work at a XXXX, making {$15.00} an hour. My student loan payments are more than half of my take home pay- XXXX XXXX ( navient ) refuses to help me at all with my private loans. If I had known the interest rate or had a better understanding of the financial burden that XXXX XXXX has placed on me, I would have attended a different school. Thank you for your time and any assistance.
Product: Debt collection

Portfolio Recovery calls XXXX of times per month from unique phone numbers attempting to collect a debt. They refuse to provide proof of debt or divulge any information about the origin of the debt. There is also XXXX record of any potential debt on any of the XXXX credit agencies. This " debt collector '' is a scammer attempting to collect debt that is either so outdated that it is past any statue of limitations, or not actually the person that they 're attempting to collect from. 

I am an extremely detailed watcher of my credit reports, so I am 100 % confident this is not a valid debt whatsoever.
Product: Credit reporting or other personal consumer reports

What happened? 
I am submitting this complaint regarding an account with XXXX XXXX  that does not belong to me. According to my credit report, this account was opened on XX/XX/XXXX, and it reflects a balance of {$5100.00}. However, I have been covered by XXXX  for my medical insurance since XXXX, and I have no affiliation with or responsibility for this account. 

This account has been erroneously reported on my credit report, causing significant damage to my credit standing. I did not authorize or initiate this account, nor have I received services or billing related to it. This appears to be a case of either mistaken identity or improper account reporting by XXXX XXXX. 

Dates, amounts, and actions taken : The account in question was reported as opened on XX/XX/XXXX. 
The account reflects a balance of {$5100.00}, which I do not owe. 
I have been covered by XXXX  for my medical insurance since XXXX, and I have no reason to have an account or outstanding balance with this company. 
I am requesting the removal of this account and balance from my credit report as it is not valid. 
I kindly request the CFPB to investigate this matter and ensure that XXXX XXXX  takes appropriate steps to correct this error and remove the account from my credit report. This situation has caused unnecessary stress and financial harm, and I would like this issue resolved promptly.
Product: Debt collection

XXXX XXXX XXXX has blatantly ignored the screenshot previously uploaded so I shall be submitting another complaint for the XXXX XXXX XXXX they are attempting to collect for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan to help my grandma and they did not approve me. I looked at my credit and I see some things on there that is not mine XXXX  XXXX XXXX, XXXX XXXX. Please help me with getting these items removed. I have contacted the FTC and local police.
Product: Credit reporting or other personal consumer reports

I believe Trans Union is committing fraud. I attempted to get my credit score from Trans Union today, but it noted that it costs {$0.00} ( cents ) to obtain a score. I proceeded to follow the process to obtain a credit score. 
After clicking the submit button, Trans Union 's website noted they were unable to process and provided a number ( XXXX ) to contact. 
After I called the number, a representative ( XXXX XXXX noted that obtaining a credit score would cost {$99.00}. I asked to speak to a representative. After speaking with a representative and refusing to pay {$99.00}, it was suggested to go through XXXX XXXX. 
I later discovered that my bank account was being charged each time I attempted to obtain my report. 
After calling Trans Union to dispute the charge, Tran Union noted the could not issue a refund. This appears to be corrupt and fraudulent from Trans Union.
Product: Credit card

i have requested verification that the accounts were mine. went through credit bureas and sent request to comany itself
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached reports of items that are not mine and are Identity theft