23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had XXXX auto loans with Toyota Motor Credit which were paid off in XXXX and XXXX. Since these dates they have appeared on my credit report as " pays as agreed ''. I have attached a copy of my report which details each month since these dates as marked XXXX and XXXX Then on XXXX, Toyota reported these account as Pays 31-60 days and 90-120 days even though they were paid off years ago. There was no reason to change the status of these account as I did not owe anything to Toyota and for the past nearly 6 years they have been reported as " pays as agrees ''. I wish Toyota to change the status back as had been reporting. I had previously disputed why these old account remained on my record, and then Toyota goes and puts old information on my record that has no meaning and relevance at this time. I have attached the XXXX pages from my XXXX Credit Report for XXXX which shows both accounts reported as " Pays as Agrees '' and the XXXX pages from XXXX, which the account status changed. And on XXXX report you can clearly see the many years after the accounts were paid, there was no negative reporting by Toyota Financial. It is very harmful to me that Toyota for no reason would ruin my credit record now, for payments nearly seven years ago, when in reality these accounts should not even still be on my credit report. Please have Toyota correct the status back to Pays as Agrees. Thank you.
Product: Credit reporting or other personal consumer reports

I visited XXXX in XX/XX/XXXX and shopped at XXXX XXXX. I was surprised when I came back in XXXX of XXXX. I had a huge interest in XXXX XXXX. XXXX XXXX XXXX letter states I owe XXXX when I open the letter. Besides, I don't have any credit card activation by me. I called them because of this surprise bill I had. So, I asked them for my statement, which took me another 1 month to wait for that statement, leading to {$300.00} plus interest. The statement says XXXX '', I did not buy paint, XXXX!! And his means another interest incurred on me. We agreed to a settlement of {$160.00}. 
I found out I was reported to Experian when I was offered by XXXX XXXX a credit card. I complain about their way or mode of communicating or sending bills by mere letter only. I am not a resident of XXXX. They should send bills through e-mail too. If so, I can pay as scheduled like my other credit card used to bill me. It is so UNFAIR. Is this the way, how they make money?
Product: Consumer Loan

I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take XXXX. Today is Friday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.
Product: Debt collection

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Product: Vehicle loan or lease

I sent a notice of rescission to the company and they still have not responded. Or sent check for my down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES I DO NOT RECOGNIZE. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX XXXX SS XXXX MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OHXXXX 

This is the second time I have file a compliant about the followinginformation below. I am requesting that you promptly delete theseaddresses immediately. I do not believe a proper investigation was don efrom my file through your office. PLEASE DELETE THE FOLLWING ADRESSES:XXXX XXXX XXXX XXXX XXXX, OHXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Credit Inquiries under the FCRA I am writing to formally dispute several unauthorized hard credit inquiries that have appeared on my credit report. I believe that these inquiries were made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

The unauthorized hard credit inquiries in question are as follows : 1. XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX 2. XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 3. XXXX XXXX XXXX XXXX ( BANK ) XX/XX/XXXX 4. XXXX XXXX XXXX ( BANK ) XX/XX/XXXX 5. XXXX XXXX ( FINANCE ) XX/XX/XXXX 6. XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX 7. XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX I have not authorized these inquiries, nor have I had any business or financial relationship with the listed creditors that would warrant such inquiries. According to the FCRA, a hard credit inquiry can only be made with the consumer 's consent or in connection with a legitimate business transaction initiated by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian dated XX/XX/XXXX asking to reinvestigate an account. They responded on XX/XX/XXXX that the account was verified. I asked for a description of their procedures on XX/XX/XXXX and they responded on XX/XX/XXXX stating that the address provided has not been reported to my credit and I needed a copy of my DL and ID. Even though if you were to look at my credit report. My current and only address is on there and I sent them a copy of my DL, SS card and a current utility bill
Product: Debt collection

XXXX XXXX XXXX is charging me for services and i had XXXX and now i am getting a bill for the same services.
Product: Mortgage

About XX/XX/2011, I missed a couple of mortgage payments due to loss of work. I applied for a loan modification. The company asked for the same info over and over without resolution. It was my family home where I lived with my siblings and recently had become engaged at the time. I was offered {$1000.00} to move so that it would not go on my credit report as a foreclosure. I received no help and I believed my only option was to leave my childhood residence. It was very stressful for myself and my family. I am appalled by the {$200.00} settlement check received by Wells Fargo. I lost my childhood home, had to uproot and separate from my family, not to mention the stress it had caused in my relationship which eventually caused a separation between my wife and I. {$200.00} is truly an insult to my XXXX. This was a dramatic experience that I am now being reminded of.
Product: Checking or savings account

On XX/XX/23, Apple/Goldman Sachs froze my credit card and savings account without any warning. I have made multiple calls and requests for information but have been stonewalled at every turn. So I am reaching out to the US government for help in understanding why this blockade is happening.
Product: Debt collection

I reached out to XXXX XXXX after the company waited 2 years and added an account on my credit during Covid 19 that was already resolved and removed through Consumer Affairs 2 years ago. I reached out to XXXX  CERTIFIED MAIL. My certified mail letter to XXXX included proof and documentation from Consumer AFFAIRS to advise the collection agency that they had violated by adding an already resolved and removed dispute onto my credit reports. Since XXXX had violated and I had sent XXXX proof showing their illegal tactics of their violations of illegally reporting the account to the credit bureaus, XXXX still failed to respond back to my CERTIFIED mail sent to them. XXXX failing to respond, XXXX then illegally sold the exact same account to TRUE ACCORD. I did not receive any letter or notice from True Accord that they were collecting on this previously removed account that was illegally re-added back by XXXX. Instead of notifying me, True Accord began illegally emailing me requesting payments for the exact same account in XX/XX/XXXX through XX/XX/XXXX. This is illegal. I have never provided True Accord with my email. I have never consented to True Accord or spoken to them advising them to contact me via email. By law, XXXX, can not fail to contact me at all, to then illegally add an account to my credit reports during Covid, to then sell the exact same account after receipt of my certified dispute. This type of illegal collection tactics need to stop. True Accord then followed the same illegal tactics by failing to contact me in writing. Instead, True Accord just started sending excessive emails requesting payments on the exact same account. Why are these companies mocking the FDCPA and FTC laws? Why do these companies feel that they can go unnoticed and violate even more during COVID? I have also filed a complaint with the Federal Trade Commission as well. FTC File # XXXX.
Product: Debt collection

XX/XX/2020 I hand wrote a letter disputing a transaction with us bank XXXX XXXX. 
I never received a response. XX/XX/2020 I faxed and mailed another dispute for that transaction. Never received a response. Approximately XX/XX/XXXX I called and spoke with a representative to make a dispute. And never received a response, until I received a bill saying I have to pay the total amount. {$3000.00} plus interest. I never received any disclosures in regards to the dispute and its timeline. 
I called in to speak with another representative and she communicated that the dispute was closed. I disagreed with their decision. They stated that the dispute was beyond time frame of dispute. They rules say 540 days due to this being an ongoing contractual service, with the most recent contract date requiring merchant to be of service in XXXX of this year. Secondly I should not be required to pay a bill on a disputed transaction. Us bank is ignoring the information and evidence I am supplying that supports my claim. Us bank is also reporting me late to credit bureaus. Us bank has shown blatant disregard to my consumer rights and protection by ignoring the first 2 written disputes and blowing the 3rd one off.
Product: Mortgage

This complaint is formally made against Bank of America ( " B of A '' ). They have committed XXXX violations, made promises they were not kept, and have not followed the Loss Mitigation waterfalls as mandated by the CFPB. Here are the facts. I previously filed a CFPB complaint and I am filing this complaint because I fear that B of A is trying to take my home away. B of A offered a balloon loan at the end of my forbearance in XX/XX/2021. I did not want a balloon loan and then they offered a 40 year flex loan. I also did not want that 40 year modification and they informed me that if I filled out an application then I will have other options available to me. I completed the application after several months of back and forth with B of A. They then offered me the same 40 year flex mod again and no other choices. Why did they make me complete a full application if it will only result in the same option? All I want what was originally offered to me back in XXXX which is to add the forbearance payments to the end of the loan without extending the maturity date. I have been making my monthly mortgage payments on time and I do not want to lose my home. I called today and spoke to XXXX and she told me that there are no other options. I then asked to speak to the manager where I was then informed my application was pending. I do not trust B of A. Please help me save my home.
Product: Credit reporting or other personal consumer reports

I do not recognize the addresses and I would like to have them removed from my credit report. 
XXXXXX/XX/XXXX
Product: Mortgage

XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over XXXX years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for XXXX years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.
Product: Credit card or prepaid card

I closed my Applied Credit Card account with XXXX balance on it and the next month, they ( XXXX XXXX ) sent {$16.00} to pay. I refused to pay them the money and then the next month, they added as they so called a late fee of {$35.00} even though the account was closed. I called them, but I did not really remember in which month, but it may be in XX/XX/XXXX.  I discussed the issues with one of their workers. She told me to pay the {$16.00} and the late fees of {$35.00}. I had to pay that amount. The next month, they sent me another late fee of {$35.00} even though the account had been closed. Again, I refused to pay the so called late fee because I did not use the card to purchase any goods. In XX/XX/XXXX, they called me to pay their money and I said no, but the lady convinced me to pay the money and I paid {$77.00} out XXXX. She told me that if I paid the {$77.00}, they will close my account. This was the reason that made me paid the {$77.00} so that they will close my account. The moment I paid the {$77.00}, they sent me balance of {$27.00}. From this point, they continue to add {$35.00} of every month. They are still billing me {$35.00} of every month. Presently, they have billed me a total of {$280.00}. I am really fed up with this people. This is the reason I decided to call consumer financial protection Bureau to make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX XXXX XXXX on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XXXX & XXXX
Product: Debt collection

I have a dispute with a collection account on my credit report with XXXX XXXX XXXX my original contract was with XXXX CAPITAL ONE N A I didn't authorize them to allocate my personal information to a third-party also XXXX CAPITAL ONE N A  canceled my original account.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, my personal and financial information was compromised without my authorization or consent. The Department of Government Efficiency ( DOGE ) violated Higher Education laws, the Privacy Act of XXXX, and the Family Education Rights and Privacy Information Act ( XXXX ). XXXX did not have my consent to access my data, nor did they have government clearance, and they still accessed my data. They are not employees of nor are they authorized parties to the Department of Education or any of the loan Servicers. XXXX or more of the employees are known XXXX and have leaked classified information as well as proprietary company information. Some or all of the individuals have vested interests in other countries as they are not American born citizens or have dual citizenship with multiple countries. The Department of Education and any federal loan servicers are required to protect my data and not allow unauthorized access to anyone whatsoever without explicit consent. Given the severity of this breach, and the compromise of my personal and financial information, I request that you cancel and discharge my student loan debt in full.
Product: Money transfer, virtual currency, or money service

XXXX account can not connect to my PNC bank account because of some changes that were made by PNC. I can not send money which is a major inconvenience.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I am using PayPal for selling bitcoins  and that's totally legal thing to do. I didnt do anything wrong. I am just trying to earn extra because my husband was just diagnosed with XXXX XXXX. I did provide all documentation they need yet they provided me an info that I am under age even if I'm already XXXX years old. And now they are holding my money which I badly need for XXXX of my husband. My email linked to my PayPal is XXXX. Please help me on this. Thank you.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX I attempted to purchase a XXXX XXXX   with paypal for ' {$240.00} ' from the " XXXX '' website. 

On XX/XX/XXXX I emailed asking for a status of the order On XX/XX/XXXX I realized I had been scammed, Emailed asking for a refund. I then opened a paypal dispute, also on the XXXX of XXXX. 

Paypal has not yet honored there consumer protection they advertised. They have not even responded to my dispute. On XX/XX/XXXX I reached out to their facebook account in an attempt to speak with an agent. They only had an automated response saying they would get back to me. They have not responded. 

I was scammed by that website.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of a charge-off entry from my credit report due to incorrect balances associated with the account. Despite multiple attempts to rectify this issue, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I have diligently reviewed my records and can confirm that the reported balance is incorrect. Furthermore, I have made efforts to communicate with the original creditor to resolve this discrepancy, but to no avail. Despite my best efforts, the inaccurate balance remains on my credit report, causing undue hardship and unfairly tarnishing my creditworthiness. 

I hereby formally request that the charge-off entry be removed from my credit report immediately and that any associated inaccurate balance information be corrected. Additionally, I request that you provide me with documentation confirming the removal and correction of this erroneous entry. 

Timely resolution of this matter is of utmost importance to me, as it directly impacts my ability to access credit and make important financial decisions. I expect transparent communication and diligent action on your part to address this dispute promptly and satisfactorily. 

Failure to correct this error in a timely manner will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stolen identity fraud accounts open in my name Open accounts XXXX XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account number XXXX Amount XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX a hard inquiry was reported on my credit report to Capital One. At that time I did NOT request Credit with Capital One, this is a direct violation of the Privacy Act of 1974. I demand that the fraudulent XX/XX/XXXX hard inquiry be removed at once from All of my credit reports.
Product: Checking or savings account

I have no knowledge of these hard inquiries, and these are results of identity theft and I would like them to be removed from all credit reports within 4 business days as per 15 USC 1681C2