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

I bought a XXXX XXXX XXXX XX/XX/XXXX. I have never been late on payments. On XX/XX/XXXX I called Ally Financial and told them that I was going to pay the vehicle off in full no later than the middle of XX/XX/XXXX as I was receiving a small trust. I asked that I not make a payment in XX/XX/XXXX and that they please be flexible and not charge me a late fee as I was going to be paying the car off. The woman I spoke to, XXXX, spoke with her supervisor and then told me that would be fine. She told me the payoff would be # XXXX and to add {$4.00} each day until I paid it off. <P/>On XX/XX/XXXX, I received five phone calls from Ally Financial. I called them back the same day. A man started telling me I owed them a late fee. I told him I did n't and I had already spoken to .... at which time he interrupted me yelling over my voice so I could n't understand anything he was saying. I kept trying to tell him there was no late fee, blah, blah, blah, and that I had already worked this out with Ally Financial, but he would not let me say two words. He continued to drown me out for several minutes. I finally told him, " SHUT UP. '' He would not be quiet. <P/>After several times of telling him to shut up and listen, he finally shut his big abusive mouth. I explained. He said, " You do n't owe a late fee forXX/XX/XXXX, you owe a late fee forXX/XX/XXXX '' I told him I did not. I hung up on him. This was the first I 've heard of this. <P/>My Credit report shows that I have never been late and that I have a perfect record with them. I 'm making an attachment of the coupon to pay that they send me although I pay on line. I 'm telling you something needs to be done. As soon as I turned XXXX years old, I have been lied to, harrased, intimidated, abused by one creditor after another when I do not owe them the money they claim that I do. I have other things to do with my time then sit around on my phone when I 'm genuinely trying to find out what the hay these trained abusers are getting at. If I were a XXXX year old man, they would n't be doing this to me. <P/>
Please, please, do something. You will be getting two more complaints from me from other companies. As soon as these companies think there 's a chance that we seniors are suffering from dementia or are easily intimidated, they all jump on the bad wagon. This is so incredibly cruel and bad and I think any company that does that needs to be put out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX your XX/XX/XXXX response to CFPB XXXX : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with XXXX online at XXXX XXXX XXXX Should you have any further questions, please contact XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX merely represents your insisted continuance of 194 day obstructions of fact and deliberate participation with NMACs fraud. 

Mr. XXXX was the lessee and intended transferor. I am the falsely alleged transferee. In response to Mr. XXXX misrepresentations I was pleased with NMACs XX/XX/XXXX denied lease transfer ; one of NMACs many written evidence denials being : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXX Good Afternoon : I received a call back from Mr. XXXX because notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED XXXX..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAILXXXX I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | NMAC | XXXX AS now requested by me in 91 separate written communications to NMAC and XXXX  since XX/XX/XXXX please return email a true copy of Transfer of Lease Agreement you allege to have been signed and duly executed by me ( transferee ) after XX/XX/XXXX including NMACs approval, date and title consent to this Transfer of Lease Agreement OR communicate by return email the non-existence of a true copy of Transfer of Lease Agreement signed and duly executed by me ( transferee ) after XX/XX/XXXX and immediate removal from my credit report.
Product: Debt collection

This Company is harassing me eveyday XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX everyday this company is putting notices on my door
Product: Credit reporting, credit repair services, or other personal consumer reports

A incorrect error was placed on my Experian, XXXX, and XXXX credit report that is saying I owe the XXXX  company called XXXX as back in 2015, A title loan from XXXX  XXXX XXXX, XXXX d/b/a XXXX as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by XXXX was actually {$2900.00}. XXXX was sent a few years ago a Validation of Debt via Certified mail which they ignored and never responded to my request. They were sued already by the State of CA California Financial Code XXXX. Loan was had illegally accessed my DMV information without permission that they had no authroization to do. XXXX fails to respond to my dispute letters and to correct information as they credit bureaus such as Experian, XXXX, a nd XXXX said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named XXXX XXXX This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per FTC and they said they don't have to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 hard inquiries have appeared on my credit report that I do not recognize and I believe are fraudulent. Two of : XXXX XXXX XXXX XXXX of : XXXXXXXX XXXX, and another of : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, Genesis XXXX XXXX XXXX contacted me regarding a debt of {$350.00} allegedly owed for an apartment complex. However, I have never lived at, applied to, or had any association with this property. I promptly disputed this debt and submitted supporting documentation, including a copy of my lease agreement showing where I resided during the time in question. Despite my multiple disputes and evidence proving that this debt is not mine, Genesis XXXX XXXX XXXX has continued to report this account as accurate. 

This inaccurate collection is severely affecting my credit report, and their failure to correct or remove it is unjust. I am filing this complaint to request immediate removal of this erroneous account from my credit report. Their handling of this matter has caused unnecessary stress and financial harm, and I urge the Consumer Financial Protection Bureau to take action to address this issue.
Product: Debt collection

XXXX XXXX does not know JH Portfolio Debt Equities. 
This is fraudlent account. My documents were stolen in 2009. 
This dates back to when my documents were stolen.
Product: Credit reporting

I am including documents showing my current credit scores, according to Equifax XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my Gold Card I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX XXXX. Complaint submitted at XXXX XXXX today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of XXXX XXXX, the one used by banks most of the time, next XX/XX/XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem. XXXX XXXX complaint evidence, added in order to show this is reported at all XXXX main credit bureaus, including XXXX also. XXXX XXXX canceled the pay over time, also called extended payment option the account, because of a negative report shown at Experian according to their representatives over the phone, but the error only appears at the F.I.C.O. version of XXXX XXXX as I detected and it is shown here. But no matter all the evidence included here, showing that XXXX recognized the error in writing, as the included e-mail clearly shows, and it is dated XX/XX/XXXX, and the dates shown at F.I.C.O. XXXX XXXX match with this date, but someone has to take the time to verify all this, this ca n't be done automatically, because of this error, XXXX XXXX suspended the extended option called also pay over time feature of this gold card, no matter it is needed by so many of us as clients and they know it, they have experience with me of more than 24 years already. The student loan in question, that is the center of this error, was transferred to the US Dept. of Education, and it was reported as delinquent by mistake during this process according to XXXX, why this is not recognized, as it clearly shown by XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all 3 credit bureaus ( XXXX, XXXX, Transunion ) for the past 6 months about inaccuracies on my credit report. All 3 credit bureaus report that they have investigated or reinvestigated the accounts but they still report different things all 3 credit reports. I am now wondering if the credit bureaus are really investigating or are they just sending my letters through a computer and giving me the same response back. I have found numerous inaccuracies and have reported them over & over again but nothing has yet to be done. I know by law that all 3 credit bureaus are to report accurate information on my credit reports but yet they have all failed to do this and it is affecting my credit score. I don't want to keep getting the same response or sometimes or no response with the same inaccuracies. Are you really doing an investigation? I have asked for proof of the debt each of you stated you " verified '' but have yet to receive ANY PROOF. I have seen numerous complaints of lack of investigation & violations that the credit bureaus are not following.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified Equifax that there was an error with my name on the credit report. I had a legal name change. I mailed my court order name change, Social Security card, bank statements, and copy of my identification card. They said they resolved it and it still has not been resolved a year later. I submitted another dispute with Equifax disputing the same thing on XX/XX/XXXX. Its now been 30 days and I still have no response. Please help me
Product: Credit card or prepaid card

I opened up a credit card to finance furniture at XXXX XXXX XXXX. They finance through Synchrony Bank. They offered so many months with no interest to pay off the amount. The first time I paid it off with no problem. The second time I finance through them I was making steady payments like before but had a lot going on at the time and forgot about the deadline. I called them to see when my time frame for no interest was up, and they told me it was up two weeks ago, and my next payment would have accrued interest. 
I asked the lady could I pay the amount I owed without the accrued interest I did not realize that the time was up and I had a lot of thing going on at that time. She said there was nothing they could do. This was in early XX/XX/XXXX, I spoke with them twice in XXXX before the holidays. I called again two weeks later in XXXX and they told me I should have called two weeks ago and they could have helped me it was too late. I spoke with XXXX, not sure who I spoke with the first time but it sounded like XXXX. The total I owed without interest was XXXX the total interest added to the payment was XXXX. They wanted me to pay XXXX. 

I spoke with Synchrony Bank again on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX and each time I called they claimed they spoke to a manager including this time and they said they would not remove the interest so that I could just pay off the amount I owed. Since then I made a payment of {$150.00} in XXXX. The total interest in XXXX is XXXX. The amount I owed to date is XXXX. This is without the payment I will make in XX/XX/XXXX. 

These finance companies prey on those who may need to establish their credit by offering no payment for a certain amount of time but they get over when they charge an interest rate that will could put you in debt. The offer seems good at the time but in the end, it is not worth it.
Product: Student loan

Aidvantage website had misleading pop-up message leading me to believe I had to recertify my income driven repayment plan. I learned through another website that I didn't recertify until mid XXXX
Product: Debt collection

I received a phone call today from XXXX and XXXX claiming that if I did not pay {$900.00} within an hour that papers would be served. I contacted the original creditor, XXXX Bank who provided me with information on where the account was sold. This account was sold to XXXX XXXX XXXX who then sold it to XXXX XXXX who then sold it to XXXX for {$240.00} who then sold it to XXXX XXXX for {$240.00} who sold it to XXXX XXXX on XXXX/XXXX/2015 which was yesterday. XXXX claimed to have sold it to Western Portfolio Assets the same day. Western Portfolio Assets claimed their sister office, XXXX XXXX XXXX has the account. When I spoke to them and asked for a validation document from the original creditor they stated they do not have to since they now own the debt. 
How does the said debt go from {$240.00} to {$900.00}? This company who according to the Chain of Title just received ownership of the debt yesterday and has claimed to sent letters to my address over 30 days ago. I have never received a letter from this company or any company regarding this debt. They are threatening to take me to court if I do not pay the {$900.00} or an agreed upon amount within the hour. This debt is not on any XXXX of my credit reports.
Product: Credit reporting or other personal consumer reports

I have been trying to get this 30 day late removed for months. I have been communicating with XXXX, Equifax, and XXXX. I have sent letters, called, and done everything they asked. I have not been helped. Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. This is aggravated identity theft according to 18 U.S. Code 1028A!!!!
Product: Vehicle loan or lease

To my knowledge, I was never late on my XXXX auto lease with account number XXXX. But I realized that I was reported as being 30 days past due twice on XX/XX/XXXX and XX/XX/XXXX which can't be true. I have had this account since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge, I have always made 100 % positive payment history and have even tried to pay way before my due date.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information : Previous 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/23, I made a payment to my XXXX XXXX credit card. Unfortunately, the payment did not reflect as processed in the system, prompting me to make another payment on XX/XX/23 to ensure timely settlement. However, I encountered the same issue where the second payment was not shown as processed either. Concerned about the situation, I contacted customer service representative, XXXX XXXX, who acknowledged that there are two pending payments on her end but won't show on my end due to a system issue. 

Despite my request to cancel the second pending payment, XXXX XXXX explained that the payment is currently undergoing a transition, which prevents her from stopping the duplicate payment. This situation has caused a double charge on my credit card, potentially leading to overdraft fees if my account funds are insufficient. 

Given these circumstances, I find XXXX 's handling of this matter to be irresponsible, as it has resulted in inconvenience and financial impacts for me. I urge the bank to resolve this issue promptly to rectify the double charge and ensure accurate processing of my payments in the future. 

Please see the attached chat transcript for reference.
Product: Mortgage

This is our XXXX year that we 've had our home mortgage with Wells Fargo. When we refinanced our mortgage it was with XXXX Mortgage who then sold our mortgage to Wells Fargo. Last year, they increased our Escrow payment by {$16.00} because ( through miscommunication they had n't factored in our Hazard Insurance. We were fine with the increase since originally XXXX thought we would pay our Hazard Insurance, but then at settlement it was decided it would be par of the Escrow. The paperwork was never changed to reflect the additional funds. This year, Wells fargo is trying to increase our Escrow payment again. They attempted to claim they did n't know about the Hazard Insurance. But since they paid it last year, and increased our monthly payments, we did n't agree with the increase. Then they claimed RESPA requires, by law, that the bank keep a two-month cushion in our escrow account. Wells Fargo has enough money to pay all our taxes, but they only have a XXXX month cushion after all XX/XX/XXXX taxes are paid in XXXX. The next tax is n't due until XX/XX/XXXX. I explained that RESPA does not require, by law, that there be a XXXX cushion. The XXXX cushion is strictly bank policy. I finally got Wells Fargo to agree that it is NOT the law, but they wo n't budge on the XXXX cushion even though there is enough money in Escrow to pay the taxes. We ca n't afford the additional increase. While we always pay our mortgage on time, we live very close to our budget and never spend extra money. It is sometimes tough to meet the demands of our mortgage payments, but we continue to pay on time. An increase in monthly payments might make it even more difficult to set money aside for our mortgage, especially when it is not necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding student loans from XXXX. I was deemed permanently and totally XXXX in XXXX and went through the process of having my student loans XXXX due to my condition in XXXX, which they were. I have one that has recently, in the last year, been added to my credit report, which I don't understand since ( 1 ) they were discharged, and ( 2 ) this information is XXXX XXXX XXXX, and I don't understand why after all this time, its on my credit report. It says there is no payment due on the loan on my report, but it's listed as an installment loan which is dragging down my otherwise excellent credit score that I've worked extremely hard to build. I filed a complain through Trans-union, twice, and nothing has been done about it, and I have not received and explanation why nothing is being done about it or why it's on my report. Any assistance you can provide would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XX/XX/XXXX AND XXXX XXXXXX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXX and all payments were placed on Autopay. 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 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 XX/XX/XXXX AND XXXX XXXXXX/XX/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