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

In XX/XX/XXXX, my home was broken into, and all of my credit cards, identification, and other personal belongings were stolen. I immediately filed a police report about the break-in and theft ( which I can provide if needed ). This incident left me with very limited access to my financial resources, and I was working hard to recover from the damage caused by the theft. 

Due to this disruption, I was unable to make my Uplift payments in XXXX and XX/XX/XXXX. I was in a difficult financial situation, trying to rebuild my life and restore my access to funds during this period. Once my financial situation improved, I paid off the outstanding balance immediately. 

I have since contacted Uplift to explain the circumstances and request that the late payments be removed from my credit report, but I have not received a satisfactory response.
Product: Credit reporting or other personal consumer reports

Experian and XXXX continue to report inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not know the company MOHELA? Began sending unwanted bills, sharing my identity/social security and harming my credit score! I never agreed to anything with MOHELA. 
I get unwanted calls and collection debt threats I have a unwanted unpaid debt to my credit score.
Product: Credit reporting or other personal consumer reports

Equifax has an account on my credit report that is not mine accounXXXX XXXX XXXX XXXX. I asked Equifax to provide me any documents such as service agreement documents stating I own this debt or delete the debt and they did not respond or provide me with anything I asked for. I was a victim of Equifax breach, and my information was compromise. I feel this fraud account is a result of the breach. XXXX is the only XXXX XXXX XXXX reporting this XXXX account.
Product: Student loan

In XXXX I qualified for a Pell Grant ( due to low income ), to attend XXXX. The grant was very small, so I was also approved to borrow the balance of my tuition in full, as the rest of my " financial aid package ''. After graduating and making payments on my loan for years, Sallie Mae went bankrupt. My account switched automatically, and now I somehow have a " private '' consolidated student loan account through Navient. I didn't qualify to have my payments stopped in XXXX, because they said they would keep charging interest on my account. I've been paying on this loan for 22 years, and my principle has only been reduced by a couple XXXX dollars. I don't earn enough to live comfortably and pay bills. It turns out that a college degree did not help me at all, and I'm worse off because of it. I'm forced to pay tens of thousands of dollars extra in interest, simply because I can't afford the normal monthly payment they determine I should pay.. These financial institutions can keep charging interest on an income driven plan as " punishment '', because I don't earn enough to pay their required monthly payment.. It's plain robbery!
Product: Money transfer, virtual currency, or money service

The bank did nothing and the payee had to figure out how to collect the money I sent over 2 weeks.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Here are the items that are in dispute : 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 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
Product: Student loan

I have been trying to connect and make payments with Nelnet as my student loans were transferred to them. I have seen 3 different payment totals when I log into their system. I have also tried making payments through the website but the system has been down and will not accept payments since the beginning of XXXX. When I call the customer service number the wait times are more than an hour. This is all a common issue and needs resolution. I would like to have a different company processing my student loan, but unfortunately, that is not an option given to any of us dealing with this terrible organization.
Product: Student loan

Navient incorrectly calculated monthly payment during annual recertification. They calculated payment twice as high as it should have been. Then Navient excessively delayed recalculation past due date of monthly payment and demanded late fees as a result of their delay.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX with a 60-month 0.9 % loan from Toyota Financial Services ( TFS ) at the dealership. I purchased an extended warranty at the same time. I then called my auto insurance company and realized that the extended warranty duplicated existing coverage. I terminated the extended warranty 48 hours after purchase, as permitted in the contract. The total amount of the auto loan was reduced accordingly. However, TFS says that the monthly payment amount on the loan will not be reduced. Instead the term of the loan will be reduced. 

I signed up for a 0.9 percent loan for 60 months. At the current monthly repayment amount, the loan will be repaid in 56 months. Shouldn't the 60 month term of the loan in the contract be honored? I was allowed to cancel the extended warranty without penalty. Requiring me to pay back the loan 4 months earlier seems to constitute a penalty. 

I have said this to TFS by phone and letter and they say that what they are doing is " standard practice. ''
Product: Vehicle loan or lease

Ally financial financed a vehicle that was fraudulently sold by XXXX on XXXX. XXXX called on XX/XX/XXXX and received a pay off amount which was sent to them on XX/XX/XXXX. the loan was completely paid off on XX/XX/XXXX by certified check and the now Ally is sending me a bill for XXXX I am disputing this outrageous demand for payment. I am not going to pay for a vehicle which I no longer owned. when I called them they were uncooperative so I canceled the direct payment of the loan.
Product: Credit card

Someone opened a credit card under my name without my permission. 

I called Amex to ask what address and phone number was used to open my card. 

They denied the fraud claim because they said I benefited but if you look at the address and phone numbers are different. 

Amex please provide the address and phone number used to open the account.
Product: Debt collection

I received a voice mail about a person coming to my job or house, and that I owe a debt, thats from 2013. I ask to see the original debt. And what I was provided was a made up debt. That I dont know anything about
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to submit a complaint against XXXX XXXXXXXX for violating my consumer rights under consumer law 15 U.S. Code 1666b. A late payment was reported on my credit profile for the month 's XXXX and XXXX causing my score to drastically drop. The late payments on the report are inconsistent per bureau which challenges the full integrity of the reporting. I was charged multiple fees that were not clearly and conspicuously. I mailed a letter to XXXX XXXX about this error on XX/XX/2022 and it's been we over 35 days with no response. 

According to 15 U.S. Code 1666b, a creditor is not allowed to report a payment as late unless it is more than 30 days past due. My payment was not more than 30 days past due, so I believe it should not have been reported as a late payment.

I request that the Consumer Financial Protection Bureau take immediate action to ensure that Capital One complies with consumer law 15 U.S. Code 1666b.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : XXXX XXXX Equifax Subject : Credit Dispute Due to Identity Theft My name is XXXX XXXX, and I am writing to formally dispute several fraudulent accounts and inquiries listed on my credit report. I have recently become aware that I am a victim of identity theft. Upon reviewing my credit report, I noticed multiple unauthorized accounts, inquiries, and debts that I have no knowledge of, as I have never Utilized my credit. 

The following items are fraudulent and should be removed from my credit report immediately : Auto Loan : XXXX XXXX XXXX Outstanding balance : {$4800.00} Credit Cards : XXXXXXXX XXXX : {$750.00} XXXX XXXXXXXX : {$470.00} XXXXXXXX XXXX : {$700.00} Hard Inquiries : XXXX Auto : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX of XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that all of these fraudulent accounts and inquiries be removed from my credit report. I have never authorized any of these accounts or inquiries, and they are the result of identity theft. 

Please investigate these claims and provide written confirmation that these items have been removed from my credit report. I appreciate your prompt attention to this matter to help restore the accuracy of my credit file. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit card

I have requested Navy federal credit union to apply the SCRA to my credit card and car loan. They have refused multiple times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have requested for sign agreement for both the apartment lease and the installment loan and have recieved no reply since 3month and they have fail to provide any other agreement sign by me and refused to remove it from my report
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. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have two names : XXXX XXXX XXXX on one social security number. I complain to the CFPB last year : XXXX { Experian } I  was told by the FTC to explain this to XXXX with documents to prove this federal offense against me. 

The city of XXXX has caused this federal offense also XXXX  data breach has ruin my credit worthiness. 

I've never own a credit card & has been taking out of the work force, college in XXXX XXXX XX/XX/2011. 

XXXX denied me two without verify of my identification theft, disgrace.
Product: Checking or savings account

hi my name is XXXX XXXX on XX/XX/XXXX i was call to get a settlement check from my lawyer later on that day i ask my fiance to please deposit the check on his account because i was gon na save this money for XXXX XXXX gift on the XXXX, the very next day he check to see what was the status on the check ; only to findout the CitiBank closed his account he call and ask why the di that they responsed was he forgot to sign the back but i did, he ask so where the check they respond they holding it till they speak to the person who wrote the check I call my lawyer and we call not one time but a few times requesting to relesed the money even the branch XXXX call but all they do is give XXXX  the run around we be calling every week, and we get different answer the last call on XX/XX/XXXX we was told to go to the branch in CT and bring our ID and thats the only way we get it we did that we drove to XXXX XXXX XXXX XXXX ct XXXX and spoke to XXXX XXXX XXXX who call the fraud dep and spoke to a person there and she ask if we had ID '' XXXX he tell her yeah and they drove XXXX hours away we was told to wait 7 days that they will write a check and MAIL IT TO ME its XXXX XXXX XXXX  now this XXXX  i call and every time is a new story i was told that they keeping the moneyand i could claim it in 5 years im comfused at this point i thing all this is a scam please help me not sure what else to do.
Product: Debt collection

I received a lawsuit from Blitt and Gaines which was for XXXX XXXX XXXX. They said it was for a XXXX bill. The debt is valid. However, I never received any letters from XXXX XXXX XXXX about my debt. 

I reached out to Blitt and Gaines and asked if they could send me a settlement agreement and I would pay in installments. They refused to send an agreement and demanded I pay {$5500.00} in settlement and do it over the phone by the end of XXXX. 

I explained that I was unemployed and was subsisting off unemployment. They said you have 9 days or we cant help you. 

I emailed the company and sent a letter, they did not respond. 

I have a lawsuit which is unfair and a debt I can not pay off. Please help! They sent me to litigation without due process.
Product: Credit reporting or other personal consumer reports

I applied for a line of credit through XXXX on XXXX XXXX. I was told by the merchant I applied through that the application was just an application and not me agreeing to the service and that the amount I applied for was not the amount being charged but the max amount that I could receive for any services agreed to. I was notified by XXXX by email on XXXX XXXX that they paid out to the merchant. I informed them not to pay out as the work had not been completed and an amount had not been agreed on. XXXX informed me that there was nothing they could do and that they paid out to the merchant because I had authorized payment with them through a signed invoice that they received from the company in an amount totaling {$19.00}, XXXX. I informed XXXX several different times that I did not sign an invoice and I have been requesting a copy of said paperwork from XXXX since XX/XX/XXXX. After contacting XXXX XXXXXXXX XXXX XXXX I received a emailed copy of the paperwork from XXXX that was used to authorize payment to the merchant. I again notified XXXX that I hadnt signed anything and that the invoice and paperwork they provided did not contain my name on any of the paperwork. They informed me that the could not and would not do anything about it. XXXX is directly violating the consent order entered in on XX/XX/XXXX which states in paragraph 74 section v Respondent and its officers, agents, servants, employees, and attomeys who have actual notice of this Consent Order, whether acting directly or indirectly, in connection with loan application, verification, activation, and transaction procedures, must take the following affirmative actions : v. Obtaining and retaining evidence of consumers ' approval of transactions before Respondent may disburse loan proceeds to a Merchant.
Product: Checking or savings account

Hello, I already have one complaint with you numberXXXX regarding opening an account at the bank capitaone on my name but I can not choose my money and today I wanted to sign up for an account and I found out of this account number-XXXX  no longer exists, I want to know how Is it possible for someone to cancel my account and my money disappeared I have my as a fraud from someone from the bank capitaone? Thank you for your reply XXXX 's contact : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/XXXX and was provided my XX/XX/XXXX day payoff amount to satisfy my loan in full. I was advised if it was to be paid before the XXXX, the amount is {$4100.00} I made the payment in full on XX/XX/XXXX and the company has not updated the information to reporting bureaus. I have called them XXXX times and been given a different answer. I have files disputes with each of the XXXX credit bureaus and the only update is that the loan balance is now showing the exact amount I paid, but not that the loan is paid in full. They are reporting that I'm 60 days late!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is not mine. I could be a victim of identity theft.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, OR XXXX Subject : XXXXXXXX XXXX XXXX XXXX We are writing to dispute a charge off on our credit reports, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been received and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In our case, a Form 1099-C was provided to us and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on our credit report is inaccurate and should be removed immediately. 

I request that XXXX XXXX XXXX XXXX delete the inaccurate charge off from our credit reports as required by the Fair Credit Reporting Act ( FCRA ). Please provide us with a copy of our updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I opened an account with Target in XXXX  and did not pay as I should have however i was young and dumb.This account aged and fell off my report and was added back. These dates are not correct. I called the company to settle this because it has been on my credit report for 19 years and counting. We agreed on a settlement amount for it to be deleted from my tradeline. The account is still showing. I called Target to ask why and the rep stated it will be removed however it is processing. I sent a Goodwill letter to the company asking that they please remove the negative marks and nothing has changed. Please remove this from my credit line. I am a single mother and I am trying to purchase a home for myself and my son. This tradeline is causing damaging effects to my credit worthiness. 
I believe everyone should be given a second chance and this company has reported for 19 years against me and been paid. I have been punished long enough.
Product: Credit card

Im an XXXX XXXX service member and received orders to Louisiana. Request SCRA Benefits under Louisiana State Law. Please note under Louisiana state law, the interest cap of 6 % applies to all credit cards and loans obtained DURING and before XXXX XXXX. I have attached my orders and Louisiana state law. 

This complaint is for XXXX separate credit card accounts. XXXX account ends in XXXX and the other ends in XXXX.
Product: Credit card

I called to make a payment for my AMEX XXXX XXXX XXXX XXXX. Their outsourced call support is forwarding customers to solicitation lines. I tried multiple times to get through a form of management with no success. I am reporting this problem because I had to give sensitive information to verify my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my car was in an accident and the car was totaled out on XX/XX/XXXX and the leasing company Auto Trakk was paid XX/XX/XXXX. The company Is stilling reporting the account open and said they are not closing the account because {$500.00} deductible for the insurance. The company is not reporting accurate info on my credit report