23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I opened a loan with One Main Financial on  XX/XX/XXXX. The loan officer misrepresented prepayment terms to me in order to coerce me into putting up my automobile as collateral. She convinced me to leave my 8 % auto loan with XXXX  to reduce a cash loan with One Main from 35 % to 17.09 %, if I used the car as collateral. I stated it didn't make sense to me to do that and she told me if I did, I could refinance the car and call One Main for the auto pay off total and that way keep 17 % on the remaining balance instead of 35 %. I did this because she showed me the no pre-payment penalty clause. Two or three months after I signed the loan, I called to do this and another representative told me this was not possible. I was very angry and submitted a complaint to the OCCC in the State of TX to file a complaint against this fraud. One Main responded and agreed to reduce my interest from 17.09 % to 8 % because of the situation on XX/XX/XXXX. Since that date, One Main has refused to provide me an updated loan agreement and disclosure form as required by TILA. I spoke to a representative at One Main on the telephone on XX/XX/XXXX who confirmed my rate was not 8 % but 17.09 %. In a letter from the One Main Executive Office of Customer Care dated XX/XX/XXXX, they claim this was " misinformation, '' however, I continue to be usuriously charged. My payments continue to be the same at 8 % as they were at 17.09 %. These payments were calculated at 17.09 % and if they were correctly calculated at 8 % should be significantly less. I do not understand, nor do I have evidence by One Main, of what I am actually paying after this reduction. I am paying because of fear One Main will penalize me through default, collection actions, and/or negative credit reporting despite refusing to provide me updated terms and breakdowns and relying only on communications. Also, the original payment schedule on page one ( 1 ) of the One Main contracts directly contradicts itself in a subsequent extrapolation on page four ( 4 ), in the section entitled INTEREST BEARING LOAN, which states that the interest charged to the consumer is based against unpaid, principal balance. As a consumer, I interpret this to mean as I pay my loan, my principal balance decreases and each month. Therefore, as a consumer, I interpret that that my minimum payment should decrease monthly as my unpaid, principal balance also decreases. My payments were calculated, and remain calculated, according to the original term agreement and cash advance amount of {$34000.00} at 17.09 %. This repayment schedule was arrived at through a one-time, calculated lumped interest payment of {$18000.00} ( added to principal for a total payment of {$52000.00} ) divided across 66 months. It is not calculated against any decreasing unpaid, principal balance, which is a misrepresentation within the language of the origination contract. Again, I can not confirm my actual payment due based on 8 % interest as One Main refuses to provide updated contract terms and disclosures.
Product: Debt collection

I never did business with this company and this debt is a result of fraudulent identity theft. This debt is a result of fraudulent activity.
Product: Debt collection

RE Acc # XXXX I received the attach letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX when I intend to dispute an error on my credit. According to the letter they stated that a company call XXXX XXXX  XXXX  sold me a Vacuum machine that is why they are collecting the debt that I own. Below is the reason. 
They came to my apartment and talk to me about the vacuum and ask me to give them my old one so that they can give me the discount of what they have. So, they took my information and they leave the equipment in my house and they said I should sign and they are checking my credit and come back to me and I said okay. 
They never took my old vacuum anymore so I was thinking they will come back but they never return to my house. 
And I dont have their number to call them. So I also leave the equipment in my garage and when I received your letter I beginning investigate the company and I found their number and I call them to explain the situation and they gave me address to where they are, I drove hour and half from my house to where they are and I gave them the equipment ( Vacuum ) So, I dont have the Vacuum in my side because I did not buy any Vacuum, I have return it. 
No one can force me to buy something I dont need it so I have sent it to them by my self So please I dont own anyone or XXXX XXXX  And I also dont own Monterey Collection because I did not buy or bought anything from no body Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXX XXXX  XXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX  XXXX XXXX Account # XXXX - I have always paid on time, the XXXX and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.
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. 
I told XXXX, XXXX, and Equifax to reinvest in these accounts : XXXX XXXX  XXXX Account No : XXXXXXXX XXXX XXXXXXXX Account No : XXXX XXXX Account No XXXX XXXX XXXX Account No XXXX XXXX XXXX XXXXXXXX Account No XXXX However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect?

According to 15 U.S.C 168 section 602 A states that I have right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) it also states that a consumer reporting agency can not furnish an account without written my instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX XXXX lawn Mower from Walmart.com with my Capital One card. The lawn mower has a one year warranty through the manufacturer. 

On XX/XX/XXXX the main shaft of the lawn mower broke off and rendered useless. I at first called WalMart, who referred me to the manufacturer. I called the manufacturer and was told to call local authorized retailers. When I called the dealers, I either received no answer when calling or was told they are not authorized dealers. I called the manufacturer directly XXXX and was told they are not the manufacturer, even though they have the same address. ( I am including documentation to validate all this ). I have been going in circles between WalMart and the Manufacturer. 

I filed a dispute with my Credit card company Capital One on XX/XX/XXXX because Walmart and the Manufacturer were giving me the run around on a replacement, repair refund. On XX/XX/XXXX I submitted all the documentation of my attempts to reach someone who can resolve the issue of the broken lawn mower. 

On XX/XX/XXXX, Capital One told me the reason why they we closing the case was because I didn't have a 2nd opinion from on what to do about the issue. I sent them detailed documentation on my attempts to reach XXXX XXXX, XXXX, and Walmart. 

On XX/XX/XXXX I called Capital and spoke with a representative about sending in the documentation. He gave me the reason as not getting a 2nd opinion on the issue. I asked to speak with a supervisor, I was transferred to someone named XXXX. Our call lasted over an hour. 

During the call, with me and XXXX ( Supervisor for Capital One on the call ) called XXXX XXXX, who opened a ticket but told us there is nothing they can do as far as refunds, repairs, or exchanges and that we need to reach out to Walmart. 

XXXX ( supervisor for Capital One ) called Walmart and we talked with a representative about the issue and he transferred us to someone who never picked up the line and some how we ended up back in que with XXXX trying to select options trying to get a hold of someone. 

XXXX, witnessed, first hand, my attempt at getting some kind of resolution for the broken lawn mower. 

When she couldn't get a hold of anyone at Wal-mart she told me it is my responsibility to contact Walmart to resolve the issue. When this issue started I have contacted Walmart multiple times with them telling me I need to contact the Manufacturer and on the call today with XXXX, the manufacturer told us to call the retailer ( Walmart ). 

I am including all the documentation that I have compiled over the past month trying to get this resolved, all documentation was provided to Capital One for the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' KIKOFF LENDING LLC Reported : XXXX. XXXX, XXXX - {$40.00} Needs Attention Overview You're currently using 5 % of your account 's limit. 

Balance {$40.00} Credit limit XXXX XXXX Monthly payment {$5.00} Opened XXXX XXXX, XXXX ( 7 mos ) Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Amount past due {$5.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Charge Account Responsibility Individual Account.

Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

XXXX XXXX XXXX sent {$1900.00} to U.S. bank on behalf of my wife XX/XX/2019 for my credit card. Us bank accepted the {$1900.00} however my account never reflected. Us bank asked us for research multiple times which we provided ( transaction id # account numbers names, everything ). Time and again they can't find the money they accepted, and can not help us. We have been making minimum payments since to avoid credit problems. If the account names and numbers don't match why would they accept it?!?!? Why are they dodging accountability?!?!?
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 ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, 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 or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a survivor of fraud and didn't make the charges. I ask that the things be obstructed to address my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED INFORMATION TO BE REMOVED/UPDATED WITH ALL 3 CREDIT BUREAUS : XXXX, XXXX, AND TRANSUNION ; AS WELL AS XXXX XXXX XXXXXXXX SPECIFICALLY . I HAVE ALSO REQUESTED TO OPT-OUT OF THE MARKETING LISTS FOR PRE-APPROVED OFFERS. I WOULD ALSO LIKE MY INFORMATION REGARDING HARD INQUIRIES TO BE REMOVED FROM MY REPORT FOR NOT HAVING MY CONSENT.
Product: Debt collection

I have a collection from XXXXXXXX XXXX XXXXXXXX which is from a gym membership that I have no service with!!!! I have been calling the gym ( XXXX ) and they have said they were unable to pull up my account because a Debt collection agency now has the account. I have talked to the agency that I have never use that gym before and they are unable to fix anything now Im being tormented by calls and my credit score has dropped significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax consistently keeps lying about an investigation into an existing issue. 

Basically I sent a letter to Equifax on XX/XX/XXXX, they received it XX/XX/XXXX at XXXX, about the Department of veterans affairs account. Equifax responded 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. 

I then sent another letter to Equifax on XX/XX/XXXX in which they received it on XX/XX/XXXX at XXXX. They responded 30days later with more derogatory information where they changed the previous balance to a new balance of XXXX}. 

Shocked that they came to this conclusion, I the consumer wanted to see their method of verification. The problem with their method is, they didn't verify it accurately, that number was made up out of no where. 

I sent a third letter, demanding that fix the error because if you did in fact verify through the Department of veterans affairs, that balance would have been reporting accurately as XXXX}. 

I received this information from the Department of Veterans affairs themselves where they told me to take it up with the credit reporting agency. 

Basically Equifax lied the whole time about how they Investigated and that is not ethical.
Product: Credit reporting

Equifax, they have pulled this info from a 3rd party and the court verified w me that they do not report to credit bureaus and therefore must be deleted
Product: Credit card

I have had the SallieMae credit card for one year and I made my payments on time. The card company suddenly closed my account and cleared my reward points without any explanation.
Product: Debt collection

I am writing to dispute fraudulent debts that has appeared on my credit report. These debts are a result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were all sold on the dark web and used to open fraudulent accounts. I have already been in contact with the police, submitted an FTC Identity Theft Report, and disputed this debt with the credit bureaus. I request that this fraudulent debt be removed from my credit report and cease any collection efforts related to these debts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business selling ebooks since XX/XX/2022 My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
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 I5 USC 1681. Oklahoma XXXX XXXX XXXX XXXX : # XXXXXXXX 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 XXXXXXXX, 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 reposting 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: Mortgage

My mortgage loan balances were totally wrong ( $ XXXX missing ) after my mortgage loan was sold by XXXX to loancare.com. Loancare is not responsibily working with XXXX  to correct the situation. XXXX did unauthorized payment reversals and other weird changes prior to the mortgage sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, MOHELA fully discharged my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, MOHELA has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax, XXXX  and XXXX  six different times in regards to having two bankruptcies removed from my credit report. Dates being XX/XX/XXXX and XX/XX/XXXX Certified letters were sent from my doctor explaining that I have XXXX and XXXX  which affects my decision making at times. These bankruptcies were filed when I was ill and my medical conditions were beyond my control. I explained to Equifax that there was no balance on each of the bankruptcy because they were never completed do to my being ill at those times. Even with all of my certified letters from my doctor and from the bankruptcy court, Equifax refuses to honor and respect my medical condition and have these XXXX balance items deleted it from my credit report please assist and having these items deleted and removed from my report so that I can move forward with my life now that I am well. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the Fair Credit Act XXXX  account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

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.
Product: Checking or savings account

My account has been defrauded/ scammed by means of bad checks that I had received. Upon calling Wells Fargo the first time I noticed the checks were placed on a hold about 5 days after funds were made available to me. Not once was I sent an email or letter via mail notifying me of why they were placed on a hold. I was told by the representative to wait it out and the funds should be available by XX/XX/XXXX. That felt suspicious. I decided to take initiative and file 3 claims on XX/XX/2020 to dispute multiple transactions as well as file a case for fraud. After making multiple attempts to contact Wells Fargo, each representative tells me something different and eventually ends up hanging up the phone so my issue can not be resolved. I was scammed by being sent bad checks then being asked to forward that money to a relative in need. This scam is ongoing and very prevalent during this pandemic. Wells Fargo has denied two of my claims so far, and are trying to make me responsible for the fact that I WAS SCAMMED. After nearly 10 years of banking with this company and never having this issue prior, this is how they choose to take care of their customers : by allowing them to be scammed and defrauded to make me responsible for money that was never in my hands in the first place. I want my claims to be resolved in my favor, as they should be. I should not be made responsible for someone who chose to fraudulently write checks, especially when my bank failed to notify ME of this suspicious activity or possible fraudulent checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Product: Debt collection

In a previous complaint to the CFPB under case number XXXX, the aforementioned agency mentioned in the complaint responded to on XX/XX/XXXX, advising that the {$75.00} debt was incurred over 2 years ago, which I was not aware of. Therefore, on the above date, payment was made in full with the online portal of NRA Group , LLC. 
I was informed that billing was requested, please ensure that if the billing documentation is not associated with me or for a date of service prior to XX/XX/XXXX, that the appropriate refund will me made to me. 

Also, as mentioned, I was not aware of a small balance owed as mentioned above, as soon as it was clarified and brought to my attention, payment was made. Please ensure that nothing is reported to the major credit reporting agencies/repositories.
Product: Checking or savings account

XX/XX/2022 Capital One claims i made a deposit not in my name which triggered a fraud investigation into my account. The deposit was from XXXX and the USERNAME was not real name but the information used to verify that account was all of my real information. My account was closed on the XXXX of XX/XX/2022. However the account did not actually get closed out until XX/XX/XXXX. It is now XX/XX/XXXX, I have received a check for the interest payment of {$1.00} from my deposit of {$2000.00}. However there is no information or contact from the insitution on when I will receive my funds.