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

I was misled by the dealership regarding the monthly payment amount for my vehicle. I was told my payments would be {$540.00} per month, but when it came time to make my first payment, the amount was {$760.00} per month. I immediately contacted Wells Fargo to report this issue, but they took no action. I also tried repeatedly to contact the dealership, but I was never able to reach the finance manager to address the discrepancy. 

Despite this, I made every effort to keep up with the payments for two years. However, I noticed that the loan amount was not decreasing, which added to my financial stress. This situation caused significant emotional distress, including XXXX, and ultimately led to the repossession of the vehicle. 

I feel that I was unfairly deceived and do not deserve to have this repossession negatively impact my credit report.
Product: Debt collection

XXXX charged off a huge cell phone bill that I have disputed for over 3 years to XXXX collection agencies. Initially, XXXX sent this disputed, unresolved balance to Jefferson Capital. Jefferson Capital accepted a proposed settlement in the amount of {$1000.00} because this is the amount I felt I owed for breaking the contract. Instantly, I paid {$500.00} and agreed to pay remainder {$500.00} over a 60 day period in which Jefferson Capital agreed. I called Jefferson Capital, LLC back and they informed me they no longer serviced the debt. I suddenly contacted XXXX recovery department but was either disconnected or hung up on several times when attempted to speak with someone for several weeks. Starting the last week on XXXX, 2016, I started receiving many calls from XXXX ( XXXX collection agency ) who said they represented XXXX. They said they had received several complaints from customers stating they already had payment arrangement with another XXXX collection agency but regardless, they could not work with an amount agreed upon by former, Jefferson Capital, LLC. They refused my proposal of remainder {$500.00} and persistent on a set amount. I again tried to reach out for help from XXXX. XXXX refuses to discuss this with me although they are reporting derogatory on my credit. This need to be cleared up XXXX. Why wo n't a creditor like XXXX discuss balance with me and they are reporting on my credit? XXXX has ruined my credit.
Product: Checking or savings account

On XX/XX/2023, my XXXX XXXX  login was compromised and I was contacted immediately. The checking/savings/debit cards were suspended and new accounts were opened. 
I had started an external transfer to Chase Bank ( not knowing of the XXXX issue ). 
Chase did not receive the funds and automatically received a fraud alert. 
XXXX provided a response to Chase on XX/XX/2023 to clarify that it was not fraud. 
Thus far, Chase has not released access to any of my accounts. 
Their XXXX XXXX Department is handling this matter. 
No one can contact that department. They rely on notating the accounts. 
I can not access/close those Chase accounts. 
Chase reps can see how many times I've called, and the notes. However, the " right people '' are not responding. 
I would like to access my accounts... .there 's been no fraud to Chase!
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 right to privacy and confidentiality under 15 USC 1681. 

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 All of this information enter above have violated my rights 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Sections 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 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: Debt collection

This debt pooped up on my credit report I have no knowledge of this debt. I need this removed from my credit report because it is affecting my ability to purchase a home for my family.
Product: Debt collection

XXXX from prelegal office for covering management solution has called SEVERAL TIMES. Every time he has stated we have to call back by end of business today and in addition when he talked to my husband he told my husband that they were going to garnish his wages, and seize his vehicles. There was never a lawsuit filed. We have NOT received anything via Mail, just harassing phone calls. I called him back and he told me it was a recorded line and I asked him if he had a judgement and he said no I told him that he has not sued us and he can not threaten us like this and he preceded to talk over me and told me to visit their website.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 MONTHS REPORTING LATE 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.

This company 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: Checking or savings account

On XXXX XXXX XXXX, I withdrew {$5000.00} in cash from my XXXX XXXX XXXX. I walked over to Chase bank and deposited {$4900.00} in cash. The deposit was all {$100.00} to Chases ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I initially deposited {$5000.00} but one of the {$100.00} bills was returned because it was cut. I went into the branch to change the {$100.00} bill but the line was too long so I went back to XXXXXXXX XXXX and changed the bill. I went on vacation to XXXX XXXX XXXX XXXX XXXX XXXX. While on vacation, I checked my account and the deposit was not reflected in my account. I texted Chase through their banking app and finally got a number to speak with a claims rep. I spoke with 2 reps. On XXXX XXXX XXXX, the final rep I spoke with told me I would get a {$4900.00} credit in 24hours. On XXXX XXXX XXXX  the deposit is still not reflected in my account. The only written correspondence is a letter denying my claim. I just spoke with Chase, asked about the denial letter. The response was the claim has been escalated internally with notes. I asked for a letter amending the denial letter. To that I was told we dont do that. The final decision will be made on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Well Fargo Home Mortgage. During the course of the loan, I went through a Loan Modification program. Wells Fargo had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced. Wells Fargo is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by Wells Fargo . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted Wells Fargo several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. Wells Fargo is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.
Product: Debt collection

Goodmorning, A relative of mine received a call from ( XXXX ) XXXX-XXXX looking for me. I do not know the details of the conversation however I was informed it did not go well and that the gentleman on the other end of the phone used and exploitive to address my relative. Calling her a XXXX. 

I then called back the same number as was greeted by a Mr XXXX XXXX, a name I assume to be an alias as collectors are allowed to adopt an alias. However I could be wrong. I digress, Mr. XXXX informed me of the establishment for which he was working for saying he works for a federal entity and his job is to make final recommendations of wether or not litigation would be necessary. I asked what he was referring to and he informed me of a debt from 2014. It was a payday loan taken out by myself from an establishment named Check N Go. He said his job was to see if we could reach some sort of settlement or if litigation in my state was necessary and the decision of what route to traverse down, was left up to his discretion based off of the dialogue we had in our correspondence. He verified the last four of my social but the address on file wasnt an address that Ive ever lived at. I advises him that this doesnt bring about any memory for me and the address he referenced is an address Ive never occupied. I made Mr. XXXX aware of my bewilderment and he became disgruntled and said he was going to tell the judge and good luck with that buddy and hung up. I asked Mr. XXXX in the beginning of our conversation if the calls were being monitored and recorded and he said they were. I also noticed that after he verified my social he did not read me the mini miranda. Which is standard FDCPA practice.
Product: Debt collection

In the event of going through the process of purchasing a house the lender required me to settle an account with Wakefield and associates in the amount of XXXX. In the attempt to reconcile the above debt that is listed on my and my wifes credit report. My wife and I made multiple attempts to settle with Wakefield and associates. Every attempt ended in the same result. The result was none of the agents could find an account for the above amount
Product: Debt collection

Purchased ( financed ) vehicle through lender in XX/XX/year>. XXXX contacted me via phone late XX/XX/year>, XXXX day after due date. I informed representative that I was aware of due date and late payment, and that I would make payment as soon as possible. Almost every single day, since XX/XX/XXXX, lender has made INSANELY EXCESSIVE calls. Spoke to lender on phone on XX/XX/XXXX via phone call. I informed representative that I felt that I was being harassed for payment on vehicle because of the excessive calls. I informed representative again that I would make payment as soon as possible. I have been receiving numerous calls from lender, from as early as XXXX central daylight time to XXXX central daylight time. By numerous, I mean at least XXXX or more calls per day, on weekends as well. In my opinion, that is absolutely OVERWHELMING AND DISTASTEFUL! this is my first time conducting business with this lender. I refuse to deal with the excessive calls every day. This treatment is downright outrageous
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA law section 609 credit bureaus have to deleted unproven, noncompliant, unverifiable accounts. Experian is in violation of the FCRA law they are reporting inaccuracies on my credit profile, that they claimed has been verified! XXXX XXXX XXXX has not been verified! The amount that is being reported is inaccurate! I amount owed is {$6200.00} and the term is 73 months.XXXX XXXX XXXX is reporting that I owe {$25000.00} and 81 terms of the loan! This is fraudulent and is in violation of many laws and as a consumer I know my rights and will fully inforce them! I have gathered all correspondents from Experian regarding this account and kept them in my files! I plan to file a lawsuit if this matter isnt resolved in 15 days! I have provided proof that the amount of the debt that is being reported is inaccurate and fraudulent!
Product: Credit card

Opened up secured visa account with Fifth Third Bank. I was told only XXXX credit report would be pulled on my credit file. Fifth Third Bank Credit Department as well as XXXX XXXX XXXX, Assistant Vice President, XXXX Manager XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, Illinois XXXX. NMLS # XXXX. Telephone number XXXX. Fax number XXXX XXXXXXXXXXXX, assured me only XXXX credit report would be filed. On XXXX XXXX, 2015 a credit report was pulled, then on XXXX XXXX, 2015 an additional credit report was filed without my authorization or my signature. I contacted Fifth Third Bank, immediately, to have the issue resolved. To this day XXXX credit inquiries still remain on my credit files. I contacted XXXX Credit Bureau, to find out what the procedure was to have Fifth Third Bank, remove the XXXX unauthorized credit inquiry. XXXX XXXX Credit Bureau, stated to me, Fifth Third Bank needed to write a letter stating that XXXX of the credit reports was in error. Of course, Fifth Third Bank, as yet to follow the process and continues to violate my fair credit rights. In addition, I, XXXX XXXX XXXX XXXX have written XXXX - XXXX letters to the attention on XXXX XXXX XXXX, as well as made numerous telephone calls requesting to have the unauthorized credit inquired removed. But, to no avail, I have not had any success in having the unauthorized, unsigned credit inquiry removed. I have been getting nothing but the run around, costly expenses of my time and effort. The unauthorized inquiry cost me XXXX points, costing my credit score damages. Fifth Third Bank is damaging my credit report, by making my credit report appear as if I applied for XXXX different loans, which makes another lender look as if I am shopping for loans and being denied. This is a federal violation, against my fair credit act.
Product: Student loan

I just received my initial monthly bill ( dated XX/XX/2018 ), since XXXX  servicing took over servicing my student loans. The monthly bill statement was inaccurate, as that shows that I have zero eligible Public Service Loan Forgiveness ( PSLF ) payments. This is totally inaccurate and does not reflect my eligible payments! 

By letter dated XX/XX/2018 ; I was informed that XXXX XXXX was selected to manage my federally owned student loans. In that letter I was informed that I could expect to hear back from the organization no sooner that 90 days from XX/XX/2018. As of XX/XX/XXXX, which is Friday, it will have been 90 since days since I received that letter. How can the organization portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payment history? 

This will actually be the 2nd complaint that I will have submitted about XXXX, in the short amount of time that I have been dealing with their organization. My initial concern, started after I received my initial communication from XXXX by letter dated XX/XX/2018 ; stating that I did not have any eligible loan types. This was inaccurate and not correct, as I received an additional letter from XXXX, dated XX/XX/2018, stating that in fact, I was eligible for the program, and that my employment had been certified. This is very disconcerting and causes me great concern about future dealings with XXXX!!!! 

My most current concern, is that I received a letter ( dated XX/XX/2018 ) saying that the XXXX organization had approved a Disaster Forbearance on my behalf. I never have, nor did I requested a Disaster Forbearance. This should be cancelled ASAP. 

In closing can you please tell me : How can XXXX portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payments? 

Sincerely, XXXX XXXX XXXX, XXXX , XXXX Enclosure : Printout from the Federal Student Aid website.
Product: Debt collection

This is a collection attempt by Online Services Information Services for the amount of {$1200.00}. I have no idea who they are or what they are collecting for. I found out about it by looking at my credit report from XXXX credit reporting. It appears they were trying to find my current address. They have never contacted me about these charges so I have no idea what they are for.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, BANK XXXX XXXX : # 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 : It also states a consumer reporting agency can not furnish an 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an incorrect student loan balance reflected on my credit report with Mohela. The current balance of {$4500.00} is inaccurate. My student loans were forgiven as of XX/XX/2023, under the Biden-Harris Administration 's forgiveness program.
Product: Bank account or service

I keep contacting the CFPB regarding unlawful fees that TD Bank keeps taking out of my account. Not only did TD bank not refund all the unlawful fees that they took from my account they keep taking. I was told by the banker who opened my account at the time that I would pay no fees if I keep a minimum balance of XXXX $ in my checking account and make a monthly payment to a saving account of XXXX $ that I will no pay any fees on. I was misinformed by the Bank they where taking XXXX $ from my personal account and XXXX $ per month from my savings account. After filling a complaint with the CFPB in the past some of the unlawful fees where refunded to me. However XXXX stated that it was worng. They are now doing the same thing again charging me with a XXXX $ maintance fee that they said it was a mistake and they will fix it. I keep saying it but my voice is not heard TD bank discriminates on the basis of religion and national origin they want me to close my account because I have a heavy XXXX accent so they cause a lot of problems with my account. They also discriminate when it comes to credit they decline credit for me when other lender would approve. I hope that the CFPB will investigate this bank for its unfair practices.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) says that consumer reporting agencies, like Equifax, must handle their responsibilities fairly, impartially, and with respect for consumers ' privacy. I'm the consumer here, and I have the right to make sure my private information isn't shared. This right is supported by another law, 15 USC 6801, which states that financial institutions must always respect their customers ' privacy and protect their personal information. 

EXTRA, who provided this information to the credit agencies, known as " furnishers of information, '' are considered financial institutions under this law. According to 15 USC 1681 section 604, a consumer reporting agency can only share a report about me if I specifically tell them to, in writing. However, neither EXTRA nor the consumer reporting agencies, like Equifax, have my permission or written consent to share this information. I'm revoking any consent I may have given, whether it was verbal, non-verbal, written, or implied. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can't share my private information with outside parties unless they explain to me how I can choose not to allow it. EXTRA nor EQUIFAX didn't inform me about this right. Additionally, 15 USC 1681C ( a ) ( 5 ) says that consumer reporting agencies can't include certain negative information in a report without permission. EXTRA and EQUIFAX are doing so without my consent, which is against the law.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), it's illegal for anyone to provide inaccurate information to a consumer reporting agency knowingly or if they have a good reason to believe it's inaccurate. EQUIFAX is violating this provision. Moreover, 15 U.S. Code 1681e requires consumer reporting agencies to have reasonable procedures to avoid breaking the law and to limit the sharing of consumer reports to specific purposes. It's clear that EQUIFAX is not following these reasonable procedures.

Finally, according to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Given the violations and disregard for my rights mentioned above, I am choosing to opt out of your reporting services in the reporting of EXTRA