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

I purchased a XXXX XXXX XXXX XXXX XXXX series boat on XX/XX/XXXX. At the time of purchase, Yamaha offered a finance option which put all payments in excess of the required monthly amount directly towards the principle. This was the option chosen ( section 7, paragraph 2 of the loan agreement ). 

The payments began in XXXX of XXXX. At this time XXXX XXXX was managing Yamahas loan program. My payments were in excess of the required amount, and in XX/XX/XXXX I began doubling the required payment. The amount above the required payment was always properly placed against the principle ( as annotated on each monthly statement ). 

In XXXX of XXXX Yamaha Financial Services began management of my loan. At this time my payments stopped being applied according to the loan agreement. On XX/XX/XXXX I spoke with customer service ( XXXX XXXX EST ) and was ensured that the amount over the required payment would be put against the principle. It was not. 

In XX/XX/XXXX I received a statement that showed my required payment as {$760.00} ( double the required amount ). I again called Yamaha and made the following memo for record : I have never received an e-mail response from that review. 

I have stated on my payments that all amounts in excess of the required payment, be put against the principle as per the loan agreement. In conversation ; once again with Yamaha Financial Services, I was told that I could not put that on my mailed payment, and that I needed to call every month if I wanted it changed. I made one attempt and was told that they couldnt change it unless I made the payment over the phone.

I have sent approximately 10 12 e-mails to Yamaha on this subject. I have had 1 response, and they just again quoted according to the waterfall Attached/included, please find : 1. The signed loan agreement 2. E-mails
Product: Debt collection

Received a letter from XXXX XXXX XXXX stating their client USI Solutions , Inc turned a debt over to them that was originally owned by XXXX. I don't know what debt this is referring to and have not received any other communication regarding this debt of {$5600.00}. They offer a discounted payment of {$1400.00} if paid by XX/XX/21. I am not sure if this is real or a scam. 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I sent a dispute letter to TransUnion on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Product: Credit reporting

Checked my credit report via XXXX and noticed numerous invalid residential addresses, misspelled names and phone numbers I 'm not associated with at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts under my name that is reporting inaccurately and inquiries that I have no direct engagement with. I have already filed the proper documentation for these and have sent it to the credit reporting agency but they did not remove them. See attached file for the items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request that the Credit Bureaus to remove the erroneous accounts off of my Credit FIle in accordance with the Fair Credit Reporting Act. It has been a battle going through all this and I am submitting this CFPB Complaint to request that the Credit Bureaus cease the reporting of the erroneous accounts off of my Credit File. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : 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}. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report.
Product: Checking or savings account

TD Bank 's online access to my checking account had been out of order since Friday last week. They said it would be back on Monsday, but now it's Wednesday. Their solution is that they want me to come into the branch and use their computer instead of my web rowser. 

They also have some of my personal information mixed up with someone else XXXX phone number ) and this happened becaue of their " upgrade ''. 

I'm not confident that TD Bank is securing my personal information effectively. There was supposed to be two-factor authentication, but that never happened. Someone should look into this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that I, XXXX XXXX am a victim of Data Breach or Fraudulent Accounts reported and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), a data breach report can be used to permanently delete fraudulent information that results from fraudulent accounts and from unknown sources, such as unauthorized inquiries, incorrect addresses, and inaccurate names from appearing on my credit report. It will also make sure that these debts do not reappear on the credit report. Data Breach disputes reports can prevent a company from continuing to collect debts that results from a fraudulent activity. I contacted the Federal Trade Commission and filed a complaint which is attached at the bottom of this letter.
Product: Prepaid card

BRINKS XXXX ACCOUNT / NETSPEND CORPORATION On or about XX/XX/XXXX, I received a package in the mail to my home that contained a fully ready to use pre-paid debit card. The card was embossed with my name and a new account number. There were all the customary legal disclosures and activation instructions including a ACH instructions for me to send to my payroll company for direct deposit. 
Only issue, I didn't ask for the card nor did I authorize its issuance. I have never provided my personal information to Brinks XXXX XXXX. The company would not tell me where they got my information or how they used it to send me a card. The company said they often collect info from vendors and sometimes use it for marketing. 
This is a marketing tactic that is highly risky and deceptive
Product: Debt collection

Statute of limitations has exceed on this debt. Collection agency has damaged my credit report. I am no longer liable for the debt or collection attempts. Company harasses me regarding this debt. This debt should not be on my credit report.
Product: Credit card or prepaid card

This involves Comenity Bank apart of XXXX XXXX. So I have XXXX credit cards by them for different stores and general use cards. I have a XXXX XXXX card ( they told consumers last minute they were discontinuing the card service on XX/XX/XXXX - so I wanted to make my final balance payment before they closed all XXXX consumer cards ) which is due on XX/XX/XXXX, then a XXXX XXXX card due XX/XX/2022 and a Comenity Credit Card due XX/XX/2022. I like to pay them a little earlier so I logged on XXXX days ago to pay all three, since that is when I receive part of my biweekly paycheck, and im told their system is down. 

I tried again at all times during the day and no lucky to my payment ( Now I am in fear like others that I will be reported for being late when Comenity doesnt give you any options to pay it by phone, by mail or online - if they state they have system issues and are closed ). Today, they taste their system is still undergoing an update, some noticed this has been going on for weeks now, people got reported late by credit bureau, I am fearful that will happen to me too, as I am trying to payment my bills on time, and I would have been on time had their site, or call centers been open. Alas, they are not. You try to log in, they have errors, everyone 's card is " XXXX '' or they cant pay their bill or cant use it in stores. You try to call in your payment, their call centers are closed and they dont know when theyll return messages and calls. It smell of fraud or huge security breach.
Product: Checking or savings account

On XX/XX/21, I received checks from TD bank welcoming to their bank. I never set up an account with TD Bank. I called TD Bank and spoke to XXXX in the Fraud Department who advised that I call the 3 main credit reporting agencies and freeze my social security number.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX/DEPTOFEDU Acct # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the unauthorized reporting of my student loan payment history and balances by XXXX/DEPT OF EDU. I believe this action violates my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681, and the Privacy Act of 1974.

As a consumer, I am protected under FERPA, which grants me the right to privacy regarding my educational records. My student loan payment history and balances are considered part of my educational records and are therefore subject to the protections outlined in FERPA. XXXXDEPT OF EDU has reported this sensitive information to credit reporting agencies without my explicit consent, thus violating my privacy rights under FERPA.

Furthermore, the unauthorized reporting of my student loan information also constitutes a violation of the FCRA. Section 1681 of the FCRA prohibits the furnishing of private information to consumer reporting agencies without the consumer 's consent. XXXXDEPT OF EDU has failed to obtain my consent before disclosing my student loan payment history and balances to credit reporting agencies, thereby violating the provisions set forth in the FCRA. 

Additionally, I believe XXXXDEPT OF EDU actions may also be in violation of the Privacy Act of 1974. This Act establishes safeguards for the handling of personal information maintained in systems of records by federal agencies. While XXXXDEPT OF EDU may not be a federal agency, the principles of privacy and protection of personal information outlined in the Privacy Act are applicable to private entities as well. By disclosing my student loan information without my consent, XXXXDEPT OF EDU has failed to uphold the standards of privacy established by the Privacy Act of 1974. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX/DEPT OF EDU ceases the unauthorized reporting of my student loan information to credit reporting agencies. Furthermore, I urge the Bureau to hold XXXXDEPT OF EDU accountable for their actions and impose any necessary penalties for their violations of federal privacy laws. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect my rights as a consumer.
Product: Debt collection

On XX/XX/23 I agreed to and paid a settlement amount to XXXX XXXX XXXXXXXX on behalf of Midland Mangement group for 2 credit card debts for XXXX and XXXX. I continue to get calls from Midland Management about owing them the outstanding balance and they continue to dispute to XXXX that I still owe the full amount even though it was paid on XX/XX/23. It was closed by the courts and I have shared all of this documentation and yet am still being harassed by XXXX and they are dishonest in that I owe them any money as this has been settled. This company is by far the biggest scam and lies and should be closed down.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. These information is injuring my consumer report and I request that you correct these information immediately. 
I assume XXXX days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

- We applied to get our PMI removed in XXXX of XXXX through a BPO which Wells Fargo has as an option on their website and for their loan/mortgage holders - Wells Fargo sent someone out in XX/XX/XXXX to do a walkthrough of the house we did not pick this person ( more than 30 days after our initial inquiry ) - XXXX through XXXXX - Third Party rejected the BPO that was sent in due to square footage ( we finished our basement so SF was increased ) - A second person contacted us to do an Appraisal rather than a BPO ( note this person was also sent by WF we did not pick them ) o Date set for XX/XX/XXXX o They cancelled on us a few days beforehand, saying WF did not approve of them coming - Third person contacted us and set a date for XX/XX/XXXX o They walked through the house o WF / Third Party ( whoever pays the appraisers ) did not get contract correctly or on time o Appraiser did not release information o WF opened a case and was looking into it ( supposedly working with XXXXXXXX who has not returned phone calls and messages ) - On XXXX we got a letter in the mail saying our request for BPO was being cancelled and that we did not respond to an appraiser who tried to get ahold of us o We worked with three people o Two of which walked through our house and made up reports o One cancelled o We have now taken off of work and made adjustments 3 times - Wells Fargo is not returning our calls or messages regarding this issue o Both myself and my husband have been trying to get ahold of XXXX or his superior with no luck Please note that we have been investigating The Homeowners Protection Act of 1998 ( amended in 2000 ). This is also known as the PMI Cancellation Act. We have a good payment history, we are current, we have submitted a request to remove the PMI, and we have done everything required on our end to show that our house has increased in value and that our loan balance is less than 80 % of what the house has been appraised at. 


We paid up front for the BPO to be done, and are now paying every month for our PMI which is over {$250.00} a month.
Product: Money transfer, virtual currency, or money service

All I have is documentation from XXXX XXXX XXXX that shows a paper check I wrote to XXXX 's was cashed twice. XXXX docs show the two payments both went to a Wells Fargo account. XXXX 's says they show only one payment. Their representative stated they would not follow up with Wells Fargo because " we are XXXXXXXX XXXX '' The check I wrote to XXXX 's was to pay off a credit card bill.
Product: Mortgage

I made a payment on my mortgage loan but their system didn't register the payment. It pulled from my bank and was returned. I've spent a month trying to get this issue resolved with Servisolutions but even with the proof of the transaction leaving my account and their system not recognizing or accepting the payment they reported a 30 day late payment. I've submitted the transaction with the payment and when it was returned to my bank. This is my first problem with this mortgage company, but it's convenient for them that it happened after I told them I was in a refinance process. All I need is the negative credit report removed and they are fighting me over the proof provided, I also had to submit the transaction 3 times before they even started to look at it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies on my credit report related to five alleged debts that Experian claims are valid. Despite my good faith efforts to resolve this matter, Experian continues to report these accounts, which I have identified as being due to identity theft. 

An FTC report is attached to this complaint. Experian is expected to adhere to the contents of this report and take appropriate actions accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Interest rate on second mortgage increased, auto payment was not increased by lender. XX/XX/XXXX. 

Problem was fixed, after intervention by CFPB. 

Negative report was re-added to credit history last month.
Product: Credit card or prepaid card

I have a pending " item / credit hold '' on my CitiCard for US {$230.00} relating to a hotel stay posted on XX/XX/XXXX. The " charge '' was processed for XXXX euros at check-in on XX/XX/XXXX to cover hotel incidentals. The room was prepaid and when I checked out on XX/XX/XXXX no money was owed and the hotel staff told me my credit card issuer should let the credit hold " lapse '' in a few days as no money was owed. Based upon my experience with similar situations and other banks the aforementioned was reasonable and I fully expected the item would " drop-off '' with-in three to five business days as no charges would be processed. 

It has been almost two week and the item remains, I contacted Citibank on XX/XX/XXXX and was told the company 's policy was to hold pending items / charges open for 30 days. That seemed excessive and I mentioned that to the customer service representative and I was told that was their policy, but would " elevate '' my concern. 

I can appreciate the bank 's credit policy and the item in question is relatively small in the scheme of things. But it is the principle - restricting credit availability with credit holds for pending items for 30 days is excessive and arbitrary, especially when the onus should be on the vendor to process charges.
Product: Student loan

Navient want more money than I can afford to send them monthly. I made Navient an offer of what I can afford a month but I was told the amount I offered was not enough. The loan is now in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$690.00}
Product: Debt collection

Hello I am contacting to dispute a letter I received in the mail. This letter is for the collection of a XXXX account I never had. The creditor is XXXX the account number is XXXX the reference number is XXXX. I never had service with XXXX that would have rendered a bill or past due amount that would have ended up in collection. I have contacted XXXX SEVERAL times about this same account number they can not seem to find it every time I call. Please provide any documentation you may have regarding this account. I will not pay for a service I never had. Please contact XXXX as this information is inaccurate. 

I would like documentation from XXXX about this so-called service they provided with the attached account number Thank you XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Bank of America saying I had activated the Direct Deposit feature on my credit card, not knowing what it was about I called Bank of America on the XX/XX/XXXX and told them I had not activated anything. The woman I spoke to said she would flag the account and watch for any suspicious activity. 
On XX/XX/XXXX my card was charged {$9200.00} plus {$360.00} transaction fee for a direct deposit going to XXXX XXXX to cover overdraft charges on my XXXX XXXX  account. 
On XX/XX/XXXX I called Bank of America and filed a fraud claim and they reversed the charges. 
On XX/XX/XXXX I received a message from Bank of America that they had denied the claim and had charged me again for the {$9200.00} but not the transaction fee. 
On XX/XX/XXXX l called them again to complain and was told they would send me all the information they had on the claim. As of today Ive not received that information. 
On XX/XX/XXXX I called their Fraud Department again and was told that the routing number for XXXX XXXX was XXXX and the account number ended in XXXX. I have never had any dealings on any kind with XXXX XXXX, so I called XXXX and was told there was no account in my name. I was thinking maybe someone had stolen my identity and opened an account in my name, this appears not to be the case. 
I have tried everything I know how to convince Bank of America I dont owe this {$9200.00} charge but so far it has been to no avail, hopefully you can help. 
The Fraud Claim number is XXXX. I can scan my credit card statements and send them to you if you need them. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts/ disputed with no results and lack of commitment. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened and funded a brokerage account using my checking account. However, Wells Fargo subsequently closed the account but failed to return the funds. On XX/XX/XXXX, I contacted over XXXX representatives in an effort to recover the {$50.00}. Despite escalating the issue to the XXXX XXXX XXXX, the funds have still not been returned.
Product: Debt collection

XXXX XXXX, 2022 I made a payment of XXXX dollars to XXXX XXXX XXXX, because they threatened to garnish my wages and sue me in court. After paying I did research and found that in Texas a collection agency can not threaten to garnish your wages. The name of the company given was XXXX XXXX XXXX and the address given is XXXX XXXX XXXX. XXXX XXXX, California XXXX. The number is XXXX XXXX XXXX and the person I spoke with XXXX is XXXX. They initially contacted family members who contacted me and gave me the above number to get in contact with them. They never came directly to me I never received a notice just a relying message from some family. I'm curious to know if after ten years can creditors come after you for a debt. I did sign something via email to make the payment and I hope I didn't entangle my self in web of obligation and now I have know choice but to pay. I called my bank to try and stop payment but they weren't able so they suggested calling them asking for a refund and I did and they said they would. That was on the XXXX of XXXX 2022 and also on the seventh of the month as a back up call to refunding because I was told it would take a couple of days. He ( XXXX ) told me on the seventh of XXXX 2022 that it's going to be a lengthy process and that they're going to take me to court and that I was going to have to pay court cost and attorneys fees. I really need the help to know if this is fraud or not. If not I'll pay.