23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian is reporting an unknown account XXXX/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.
Product: Bank account or service

Hello, On XX/XX/XXXX my bank account posted a {$60.00} charge from " Paypal credit ''. We contacted our local bank who told us we had to contact Paypal credit to dispute the transaction. We contacted Paypal credit, who recognized that there had been no activity on our account since XX/XX/XXXX but they refused to acknowledge that the charge may be fraudulent. The summation of our dealing with Paypal credit customer service, was them saying that there was nothing they could do and advised us to " keep better [ financial ] records ''. This is absolutely unacceptable that a business based in banking and credit is able to simply wash their hands of potential fraudulent behavior on their end and treat customers in this manner.
Product: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting XXXX  XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to XXXX XXXX XXXX, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then XXXX XXXX XXXX - Privacy of XXXX XXXX XXXX, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to XXXX XXXX XXXX XXXX XXXX XXXX '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

I am writing to address the late payments reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. Upon reviewing my report, I noticed discrepancies regarding the late payment records. 

Under the FCRA, Section 611, I request that you investigate these late payments and provide evidence of their accuracy. If you are unable to verify the accuracy of these late payments within 30 days, I kindly ask that they be removed from my credit report, as they are adversely affecting my credit score.

Additionally, I would like to remind you of the requirement under the Fair Debt Collection Practices Act ( FDCPA ) that any debt validation must be provided upon request. Therefore, I request validation of these late payments as per the FDCPA. 

Please consider this letter as a formal dispute of the late payments on my credit report and initiate an investigation promptly. 

Thank you for your attention to this matter.
Product: Credit reporting

I settled with XXXX on several accounts last year and the accounts should show as XXXX balance, paid or settled. They are showing as open collections still and hurting my credit scores.
Product: Vehicle loan or lease

I had a 72 month auto contract with Toyota Financial. After paying all 72 payments and some late fees they are claiming I still owe {$11000.00} and want it all in one lump sum. My maturity date was XX/XX/XXXX and since then interest has continued to accrue and it's showing my account is now 64 days past due and seriously affecting my credit. Last week I received a letter saying I was in default and if the entire balance was paid by XX/XX/XXXX they could exercise their right to repossession. Since XXXX I have contacted the company XXXX times and asked for a breakdown of how they arrived at this amount. They claim they have no way of providing such a breakdown and said that I should just take their word for it. Each time I requested to speak to a manager I was told none were available. To this day I have not spoken to anyone of authority.

I was granted some extensions during the 6-year loan term because of hurricanes & slow work times and not one time was I informed of how the extensions would affect me in the end. It was never discussed! The last extension was XX/XX/XXXX. 
My interest rate is 17.9 % and over the 72 payment Toyota has made over {$17000.00} in interest on a {$26000.00} loan. And now are wanting an additional {$11000.00} of interest!! 
Last month I sent a formal complaint the XXXX Attorney Generals Office Consumer Protection Division. They responded that they will contact Toyota and mediate and try to negotiate a resolution. I have not heard back in over a month.

I can not pay {$11000.00} in one lump payment. Within the last 5 days I have paid another {$1000.00} to them but it changed nothing. Still showing Im late and in default.

Being all added interest at 17.9 % I want to believe they would work out a negotiation with me but I can not get in touch with anyone of authority.

I was told that if a person has a 0 % interest rate, any extensions would not accrue interest either. So because my credit wasnt tip top I have to continue to be punished?

I went as far as emailing the CEO of Toyota, nicely explained my issue and asked for a response but never received any. 
Seems to me since I paid all 72 payments in full that Toyota could reduce the interest rate for the extensions since they have already made a ton of interest off of me!!
Product: Student loan

I submitted an Income Driven Repayment Plan request to switch plans from XXXX to XXXX to begin payments immediately. I submitted this form via XXXX on XX/XX/XXXX. The status has listed " Your loan servicer has received your application. They'll start reviewing it, including any documentation of income provided, and will notify you once their review is completed. '' Based on XXXX XXXX timelines and communications ( eg email sent XX/XX/XXXX ), I should have been placed into a processing forbearance after XXXX  days if they were not able to process within this timeframe, with XXXX of these days counting toward XXXX. It has now been XXXX days and NO action has been taken. I have tried calling Mohela multiple times with wait times XXXX hours. I have chosen the option to receive a callback twice and never received a call. I am currently sitting on hold ( has been XXXX hours ) with uncertainty about whether I will be able to speak with a Mohela representative. 

I feel that being immediately switched into the XXXX plan which I requested and qualify for as well as receiving XXXX credit ( administrative forebearance ) for XX/XX/XXXX and XX/XX/XXXX would be the only fair outcome in this situation.
Product: Credit card

I have reached out to the first digital to have their account removed from my credit file as it has been found to be opened fraudulently by the collection agency first digital sold my account to The collection agency has requested the company remove their negative account from my Credit and the consort has refunded to do so and refused to provide reasoning as to why they wont remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I XXXX XXXX sent a dispute letter ( certified Mail ) to Equifax Legal Department and it is now XX/XX/2019 and I have yet to receive a response. It has been more than the required time frame for them to respond.
Product: Debt collection

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

according to 15 US U.S code 1681c-2. This is my statement that all of the listed accounts have been reported without expressed written consent, and therefore is a result of identity theft, and must be removed. These accounts are not related to any transactions made by me the consumer. fraudulent accounts : 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 15 USC 1681 stating I never gave them written consent to furnish my information to obtain my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These items XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX account an XXXX accounts open fraudulently lost wallet an person was applying for stuff in my name
Product: Mortgage

Dear sir or madam As of XXXX I wanted to refinance for a lower interst rate but I was denied this privilege and I was offered a loan modification in XXXX as the only response to put my monthly mortgage lower, since it was hard for my family to keep up with the payment. I have never miss a payment. 
In XXXX, I decided to refinance to be able to finish to pay in 15 years and lower my interst rate. It was denied many times. I reapplied with my wife XXXX and it went through. in the process of closing my mortgage refinancing that I have started with Bank of America, the bank that managed my mortgage since XXXX. After setting a closing date, bank America was asking me to pay about {$10.00} within 2 hours to be able to close. I did not have that money and still wanted to lower the interest rate that is toxic for my finances. They cancelled the closing. 
I was told this money is a retention from the HUD from XXXX the transaction became official in XXXX as per HUD paper. I can say from XXXX to XXXX I never paid late in fact if you look at my payment history I paid 3 months in advance to catch up. I do not receive a deduction toward my principal for paying several months early. 
Dear secretary of HUD, I will welcome any measures that will allow me to lower my interst and prevent insolvency.
Product: Credit reporting or other personal consumer reports

I disputed the reporting of information on an account, and XXXX, Equifax and XXXX responded claiming the information was verified with no supporting documentation or evidence provided. I requested the XXXX XXXX, as well as the details to who with and how they verified the information and did not receive anything from them. They are in direct violation of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of late payments on my account with XXXX XXXX XXXX XXXX Specifically, the reported 30-day late payment for XX/XX/year> is inaccurate and must be removed immediately.
Product: Vehicle loan or lease

American Credit Acceptance makes it extremely hard at all times to make payments. They charge for every type of payment except for automatic which is sporadic causing returned check fees. The only other way to make a free payment is to mail it in which they say dont do because I might get late fees. The online portal requires you change your password every single time you log in. They re intentionally making it difficult to make payments.
Product: Payday loan, title loan, or personal loan

My personal loan with lending club had fallen delinquent, due to things going on with the pandemic I wasn't able to make the payment on time. I got paid today and at the point I could take care of the payment I did so at XXXX XXXX  today XX/XX/2021 in the amount of XXXX. per the guidelines from the point I submitted the payment and satisfied my obligation to the debt at that point the calls in attempt to collect the debt should have stopped. I received one at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, none of which I answered nor did a message get left so I get that being covered by the rules. What my complaint is in regards to is that I proactively called lending club at XXXX XXXX to let them know the payment was completed ( which they even verified upon answering the call ) to which I asked if that would stop the calls and it was indicated to be the case. The violation occured when they called again at XXXX XXXX  after already having spoke to them in an attempt to collect a dept. Per the update to the guidelines, the attempts should have stopped at the moment that was noted. I will provide a receipt and a picture of my call logs with times. Note I did accidentally call them trying to read the call logs so there are extra records that will show that can be disregarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : 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 or XX/XX/XXXX I opened the platinum checking account online at Citizens Bank based on the promotional offer that said I would receive {$400.00} when I open a Citizens Bank Platinum Checking account and make a single direct deposit of {$1000.00} or more within 60 days of opening the account. The terms stated I would be paid {$400.00} within 90 days of completing the terms of the offer. 

On XX/XX/XXXX a direct deposit hit my account in the amount of {$1000.00}. To date I have not received the bonus payment in any amount. I am owed {$400.00}. 

On XX/XX/XXXX I called Citizens Bank and spoke to a representative that agreed with me that I have completed the terms of the offer and that should be paid {$400.00}. He indicated to me that he didn't see my account coded with the offer however. I did open the account through the link : https : XXXX however so clearly this is a technical issue on Citizens Bank 's side and not a user error. The representative I spoke with on XX/XX/XXXX said I would receive a call back from him later that day or by Tuesday XX/XX/XXXX at the latest since he was off on Monday. I never received a call on Tuesday so on Wednesday morning I called again and was told that I'll receive a response by Friday morning. I have received my bonus nor any further contact as promised.
Product: Credit card or prepaid card

Im having problems trying to make transactions with my card and capital one is restricting my ability, violating my rights and harassing me by telling me to submit more documents and information than i already have.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several attempts and request I have asked experian to investigate the negative account of XXXX XXXX. Each time experian claims they investigated the account. I have asked for their method which they ignore. XXXX has acknowledged they can not validate the account as my leagal responsibility to pay. Please help hold either XXXX or experian accountable by the law. It is required by law that a reasonable investigation be conducted once a consumer disputes. On a recorded conversation with a experian representative I was told several time all experian has to do is take the furnishes word. Which I know is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending letters to Transunion to fix an account that is wrong on my credit report. The account with XXXX XXXX was paid in the summer of 2020, but Transunion has the account reporting as derogatory. It is not showing that the account is paid. I need to get this fixed.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX, has violated my rights. 


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.In accordance with the Fair Credit Reporting act. 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 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 XXXX XXXX XXXX  Accounting # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX 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 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.
Product: Bank account or service

This bank charges fees for items that should have been returned or that were n't allowed to go through, they do n't have properly trained personnel and thrive on collecting multiple charges. I recently lost my card and I was unable to deposit funds in a timely manner, this bank refused to waive the fees, XXXX dollars for a XXXX dollar transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, und er Section 611 ( 5 ) ( A ) of the FCRA- t hey are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was given notice via an affidavit to update my personal information. XXXX has choosen to sent me a returning letter on XX/XX/2019, received XX/XX/2019 stating that they would not complete this request. My dispute was very clear and factual. 

This is a violation of the FCRA for XXXX to refuse to investigate inaccurate information on my credit report. 

The affidavit that was sent was a numbered list of points that must be addressed. From the date it was recieved, XXXX still has 30 days to correct or response with an affidavit of their own or XXXX will be in default. 

As a consumer, I will pursue XXXX in Court if it chooses to violate my rights.
Product: Debt collection

TO WHOM IT MAY CONCERN, XX/XX/XXXX have contacted me numerous times I do not know who this company is I never signed anything with this company telling me they are operating on behalf ofXX/XX/XXXX nor do I know who XX/XX/XXXXXX/XX/XXXX Im constantly being harassed by this company. 
PURSUANT TO 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is " the term '' credit card '' means and card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This should be removed from My consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ) AND 15 USC 1681a ( 2 ) ( i ).