23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

recently my bank XXXX XXXX XXXX request my credit report in order to give me a loan for a house and appear in the report a bankruptcy.I have never declared a Bankrupcty
Product: Checking or savings account

On XX/XX/XXXX I paid {$560.00} to XXXX XXXX XXXX AZ for personal training sessions. I was supposed to have 9 sessions to use that never expire. Due to work and scheduling conflicts I was unable to use the training sessions in XXXX and in XXXX the trainer quit so there was no way for me to use these. In XX/XX/XXXX the gym closed down abruptly and I tried multiple times to get a refund for the unused sessions. The gym never contacted me back and so I reached out to my bank which is BBVA on XX/XX/XXXX to file a dispute to get the money back. XX/XX/XXXX I found out that my claim was not filed properly or for the proper amount despite me telling them how much I was disputing and why. I have now had to file another claim for this but my concern is their lack of care in trying to resolve this for me and get my money returned.
Product: Debt collection

I went to college when I was just a teenager in 1998. I did not have parents who financially helped me. I took out student loans, this was not fully explained to me. Often I was encouraged to take more money to support myself through college. After school during the repayment process I could not afford the loan repayment. I was placed in deferment accruing debt and I did not realize the full implication of this ( I was XXXX when I graduated ). Since I am a XXXX I was eligible for a public service loan forgiveness this was never offered to me. They consolidated my loan and this changed my loan forgiveness date restating the date of my loan ( I was not aware of this until years later. ) I have been asking for help with the loan amount and all they ever offered was deferment and my loan continued to grow. I graduated nearly 20 years ago and I have over XXXX in student debt despite what I have paid over the years. 

Is there anything you can do to help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is showing charge off/settled for less. Account was paid in full and the company agreed to change that status through their law firm. 

This is for both the JC Penny account and Value City.
Product: Debt collection

I have repeatedly notified Toyota Motor Credit Corporation that this account and alleged debt is disputed, I have requested verification of the debt along with the name and address of the original creditor. Without verification from someone with firsthand knowledge of this alleged debt, that can swear to the validity of this debt and prove that a loan was given to me by Toyota Motor Credit Corporation, this debt remains unverified and uncollectible. However, even with this account and alleged debt still being unverifiable, Toyota Motor Credit Corporation is still harassing me, and sharing false unverified information to third parties without my consent, and harming my reputation through sharing information that should be known to be false.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$600.00} I got scammed thinking I was purchasing a puppy. When I called the bank on XX/XX/XXXX after finding out it was a scam, the bank ( XXXX/Zelle ) they refused to stop or refund the money. I was told there was nothing they could do. I have contacted an individual at the address provided by the scammer and she told me her identity was stolen two weeks before when she fell for the same scam. I have also contacted my XXXX to file a claim for possible identity theft, but I have not received any help from them either as of today.
Product: Mortgage

I have applied for a conventional mortgage refinancing with Santander Bank. In the process of applying I received a copy of my credit report from XXXX  and learned that the credit score that XXXX  sends to corporate clients is materially different than the credit score that XXXX  shows me in my XXXX  account. Santander 's credit score is XXXX while the credit score XXXX   shows me is XXXX. The difference is material in terms of rates and not supported with any justification. I am an XXXX XXXX and my wife and I make over {$300000.00}. We have paid off all credit cards and revolving credit with the exception of my mortgage and HELOC loan with Santander Bank. During the financial crisis of XXXX-XXXX,  bias in credit report was rampant and I believe that I the discrepancy in credit scores between XXXX  and FICO is the result of XXXX  bias. Additionally, the credit score shown in my XXXX  account is based on a marketing scheme by XXXX  to sell boosting credit scores by upgrading your account to get a higher credit score.  XXXX  is selling one credit score to business and another to individuals in a scheme to make money but fraudulently posting two different scores! This is fraud and given the ensuing financial crisis will result in fewer qualified people of XXXX receiving a good rate on refinancing when it is needed most.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in promptly and effectively resolving this matter.
Product: Credit reporting or other personal consumer reports

According to the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesn't seem right, I will be taking action to get it removed. Federal and state law requires you to report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau : Experian Account : XXXX XXXX Type : Medical debt collection Original creditor : XXXX XXXX XXXX Amount : {$380.00} Desired resolution : REMOVE from my Experian credit file for multiple violations. I am writing to file a complaint against Experian credit bureau for violating my rights under the FCRA regarding an account with XXXX XXXX for an alleged medical debt collection. This debt is not accurate, complete & verifiable ; therefore, must be removed. *XXXX has already removed this debt from my credit file after their investigation, but Experian will not. Violation # 1 : XXXX is continuing further collection activity, including credit bureau reporting, without validating this debt. I have written XXXX twice, and called them twice to dispute and seek validation of this debt. They responded in XX/XX/XXXX by sending another invoice, but NO supporting evidence of the debt. I also called the original creditor, XXXX XXXX XXXX in XX/XX/XXXX, and they could not find record of this debt either, nor could the Supervisor. 1st dispute to XXXX : XX/XX/XXXX 2nd dispute to XXXX : XX/XX/XXXX Phone call to XXXX : XX/XX/XXXX Phone call to XXXX : XX/XX/XXXX Violation # 2 )  Failure of Experian credit bureau to perform a proper investigation. I have disputed this 3 times with Experian, but they continue to verify this debt as accurate. ( Experian told me by phone on XX/XX/XXXX that my 3rd dispute request was dismissed as frivolous because it had already been verified as accurate by XXXX, and Experian was not required to obtain proof of the debt. ) My report now says This item remains unchanged from our processing of your dispute in XX/XX/XXXX. 1st dispute to Experian : XX/XX/XXXX 2nd dispute to Experian : XX/XX/XXXX 3rd dispute to Experian : XX/XX/XXXX Violation # 3 ) There can not be a Past due amount reported on a Collection, yet my report shows Past due {$380.00}. *See attached documents confirming my previous attempts to dispute this debt and request removal. 

Experian is further disregarding my complaint now by replying that my reinvestigation request " does not appear to have been sent directly by me or authorized by me ... therefore have not taken any action. '' And I NOW need to write them yet again ( a 4th time ) and send a copy of my drivers license & electrical bill to prove my identity. I do not want my license floating around! nor included with my credit history file. 

Experian : I am tired of the games. Please be advised if this account is not removed within 15 days, I will take legal remedy next. 
I am submitting this complaint on my own accord ; I am not affiliated with, nor have employed a credit repair service. I am authorizing this dispute complaint myself, as the direct consumer.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Everytime I looked in my email, there are Marketing Promotions from Capital One, for applying for an Credit Card. Still they keep turning me Down. I been trying to get a Credit Card from them for a Very Long Time. Sent an Email to the CEO of the Company. Someone from the ESCALATION DEPARTMENT contacted me a few days ago. The Problem was still not Resolved. I Qualify for a Secured Card, not an Unsecured Card. No More! Very Frustrated and Disappointed.
Product: Credit reporting or other personal consumer reports

The company is reporting fraudulent and inaccurate information on my credit report. Ive requested that they send the purchase agreement to show full ownership of such account and other documents so that I may review them to determine if this is actually an account that belongs to me. Inside of the purchase agreement it states that the account information theyve purchased isnt 100 % accurate! This account # XXXX  does not belong to me and It needs to be DELETED off my credit report immediately 15 usc 1681.
Product: Checking or savings account

I received biweekly ( payday ) excessive insufficient fund fees on bills paid by phone to several merchants for the past three years each time I received my payroll check that was linked to my T.D. bank checking account. I opened and closed accounts because it seem that I was being nickeled and dime as if someone was stealing from my account and accumulating a penny fortune as in penny stocks. I can not prove this fact but the time line for clearance thru merchants I paid concurred the corruption time line, for example ; certified mail, priority mail, pay by phone mostly and providing basic identifying information by phone that I provided to pay or purchase a product was misused perhaps.
Product: Debt collection

On the XX/XX/XXXX stating that I owed a debt. I followed up by certified mail signed by XXXX XXXX asking them to validate this debt. I then received another letter from them without any validation. I received many threatening phone calls. Then on XX/XX/2020 I receive documentation that I was being taken to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting my mortgage incorrectly. They are showing my account closed without a payment history. My account is open and current on payments. I sent them my current mortgage statement showing my account balance as well as mortgage payment. They have not updated this to my report.
Product: Credit reporting or other personal consumer reports

I need assistance with addressing some concerns regarding identity theft. I have been dealing with this issue for the past few months and have been in communication with the XXXX Despite sending my FTC and CFPB reports multiple times, they keep requesting new documents. I request the removal of fraudulent accounts and reports from my XXXX XXXX The fraudulent account is under XXXX XXXX - XXXX - opened on XX/XX/XXXX. Additionally, there are fraudulent inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Furthermore, there is an inaccuracy in the report for GROW XXXX XXXX XXXX - XXXX - opened on XXXX XXXX, XXXX. I was mistakenly reported as late on payments. They had set up automatic payments, which got canceled. Despite contacting them, they assured me that it would not reflect as a late payment. I have attached my FTC reports and IDs for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame. I feel because of the pandemic I'm being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent I sent a letter regarding unknown and inaccurate accounts on my credit report. To this day, I have not heard from Equifax. I have not received a response I feel like I'm being taken advantage of and being ignored. Section 611 ( a ) plainly says that the bureaus have 30 days to investigate. since they fail to do so gives a reason to immediately remove those accounts off my report. it has been over 60 days, so they should be deleted immediately. I demand these account to be deleted or I will file legation due to the stress that has caused me.

In addition to that, my information was impacted by the Equifax data breach and may have gotten in the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I SENT DOCUMENTATION TO THIS COMPANY THAT THIS ACCOUNT IS FRAUDULENT AND MUST BE REMOVED! THE COMPANY HAVE REFUSED TO ACT ON THIS MATTER. I KNOW MY RIGHTS AS A CONSUMER. IN REFERENCE TO 15 USC 1681C-2A AND 15 USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of wrong individuals.
Product: Checking or savings account

I had a Wells Fargo account for year that I had to closed in XXXX  because I was getting charged fees for no reason. All kind of fees overdraft fees consistently.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX Balance : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been receiving a number of letters to my old address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ) saying that I owed money to XXXX XXXX. After calling the number on the letter it became apparent that it seemed like more of a scam. 

This was confusing as I live with my parents, do not own a property and at the time the so-called account was taken out I was only XXXX years old. As I felt it was a scam I just left the account and heard nothing more apart from the odd letter i received every no and again. 

I have never missed any payments on loans etc and have spent the past few years building up my credit score and when I recently checked it had gone done by like XXXX points in one month. After doing some digging it seems I have a payment gone into default for circa XXXX. I have never had an account with XXXX XXXX, I don't own property as I live with my parent 's and the account was supposedly taken out back in 2015, at that point I was XXXX years old so it would have been impossible to take an account out. 

I have contacted XXXX XXXX and the only response that I ever get is them requesting an account number, which I can't provide as I do not have an account with them and never have. 

I keep getting refused for credit which is becoming increasingly frustrating. I am also looking at getting a mortgage towards the end of the year and with this false information showing against my credit score it is going to be impossible. 

Your soonest response would be greatly appreciated as this has been going on for 2 months now and I don't seem to be any closer to.
Product: Bank account or service

UISAA has confusing balance issues that causes bounce checks and over drafts. They also have cleared items problems that makes no sense. Usually an Item is cleared and a few days later, it shows as just coming out of our balance. We are never sure sometimes what 's in our account or not. My husband and I are both XXXX veterans. We had insurance with USAA Federal Savings Bank for over 10 years now. They declined giving us insurance in XXXX after we moved back. We filed for insurance change XX/XX/XXXX From XXXX to XXXX. They said we are high risk and they can only continue our XXXX policy that we already had with them even though we 're in XXXX. My husband is a XXXX XXXX veteran of the XXXX XXXX. I 'm an XXXX XXXX XXXX XXXX XXXX veteran. I joined USAA XX/XX/XXXX, when I got XXXX. USAA used to keep their word, but now USAA does not care about their members anymore.
Product: Vehicle loan or lease

Legal Basis for Rescission 1. Failure to Disclose Finance Charges and APR Under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1638 ( a ) ) and Regulation Z ( 12 C.F.R. 1026.18 ) : Lenders are required to clearly disclose the finance charge, annual percentage rate ( APR ), and the total cost of the loan.

The contract fails to meet these requirements, as the finance charge and APR were not properly disclosed or explained in compliance with federal law.

2. Excessive Finance Charge Per 15 U.S.C. 1605 and Regulation Z ( 12 C.F.R. 1026.4 ) : The finance charge is defined as the cost of credit, including interest and fees.

In this case, the finance charge equals the amount financed, which appears excessive, predatory, and violates both federal consumer protections and state usury principles.

3. Inflated Vehicle Price and Loan-to-Value Ratio The original sticker price of the vehicle was {$34000.00}, yet the contract reflects a grossly inflated total price of {$80000.00}. 
Loan-to-Value Ratio and Predatory Lending Practices The loan-to-value ( LTV ) ratio of this transaction greatly exceeds the fair market value of the vehicle, indicating predatory lending practices. Such practices violate : 1. Truth in Lending Act ( TILA ) : o 15 U.S.C. 1638 ( a ) : Failure to disclose the true cost of credit, including the finance charge and its relationship to the vehicles value.

o 12 C.F.R. 1026.4 and 1026.18 : Excessive and unclear finance charges were not adequately disclosed in compliance with TILA requirements.

o 12 C.F.R. 1026.34 ( a ) : Prohibits deceptive and abusive lending practices in consumer credit transactions.

2. Florida Consumer Protection Laws : o Florida Statutes 501.201 et seq. ( FDUTPA ) : Prohibits unfair or deceptive acts in trade or commerce, including inflating the price of goods or loans.

o Florida Statutes 520.08 : Limits excessive finance charges on motor vehicle retail installment contracts.

o Florida Statutes 687.03 : Usury laws prohibit excessive interest rates and disguised finance charges. 
4. Forgery of Signature The signature on the contract provided to Santander Consumer USA does not match my original signature as executed in the contract with XXXX XXXXXXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
This constitutes a clear act of fraud and raises serious questions about the legitimacy of the transaction. 
5. Fraudulent Use of Personal Information My personal information was improperly used to apply for car registration and vehicle tags.

Fraudulent actions were taken to add Santander Consumer USA as a lienholder without my authorization or knowledge.

6. Discrepancies Between Contracts The original contract I executed with XXXX XXXX XXXX includes no appointment of power of attorney, yet a subsequent contract reflects unauthorized changes. 
Itemizations differ between the XXXX contracts, specifically in the pre-delivery fees and the XXXX XXXX XXXX fees, indicating further misrepresentation.
Product: Credit card or prepaid card

On XX/XX/2022, I received a note from XXXX XXXX XXXX that my credit report was accessed by Comenity/Ulta fraudulently to open up a credit card in my name without my consent. I contacted Comenity to flag this account for fraud, and they mentioned that the person who opened the credit card provided the wrong birth date and phone number, yet was still provided approval for the credit card and subsequent purchases, which amounted to about 650 . 

I have since locked and frozen my credit at the various credit reporting agencies. Comenity is currently investigating this issue, with an eta for resolution in 90 days.
Product: Vehicle loan or lease

I paid this vehicle off and I rescinded the retailing agreement contract. The contract is void and has no value. I would like my credit back and my vehicle.