23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from TOYOTA MTR, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MTR and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and TOYOTA MTR with no successful resolution. XXXX XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I received a 1099-C Cancellation of Debt.

Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. 

Income is not reported on Consumer Credit Files/Reports 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I do not know what this is and this is fraud. Remove this from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Apple Card/GS Bank USA has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

I just got served a summons from XXXX XXXX. This loan had a XXXX balance on my credit report. The summons says I owe this collection company, Absolute Resolutions Investment LLC. The summons says I owe XXXX. I was told XXXX was sued and loans with them didn't have to be paid. Please advise me of my rights. XXXX XXXX email XXXX XXXX
Product: Money transfer, virtual currency, or money service

There are restrictions on paypal accounts and prevent transactions or withdrawals from being made. I've uploaded various documents and tried to contact customer service but it didn't solve the problem. I also have complete verification and documents to solve this problem.
Product: Credit card

Complaint against, XXXX XXXX XXXX XXXX XX/XX/XXXX I made a purchase on a XXXX month promo plan no interest. 
By XX/XX/XXXX I had a balance owing in the amount of XXXX. That would expire on XX/XX/XXXX. 
On XX/XX/XXXX, I auto-paid XXXX, leaving a balance of XXXX. 
On XX/XX/XXXX I made a purchase of XXXX on a new promotional plan that would expire on XX/XX/XXXX. ( XXXX month promo plan no interest ) On XX/XX/XXXX statement, the balance owing was now XXXX. The min. pymt due XXXX. I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer plan. 
On XX/XX/XXXX statement, the balance owing was XXXX. The min. pymt due XXXX I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer pain. 
On XX/XX/XXXX statement, the balance owing was XXXX. The min. pymt due was XXXX I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer plan. 
On XX/XX/XXXX statement, the balance owing was XXXX. The min. pymt due was XXXX I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer plan, paying off the lower plan that still had 8 months no interest left. 
On XX/XX/XXXX statement, the balance owing was XXXX on the XX/XX/XXXX expiring promo. 
The min. pymt due was XXXX I auto-paid XXXX all allotted to the remaining promo. 
On XX/XX/XXXX statement, the balance owing was XXXX. XXXX. pymt due was XXXX I auto-paid XXXX. Now leaving a total owing XXXX. 
On XX/XX/XXXX Comenity Bank added XXXX for accrued interest to my balance owing, stating I did not pay off the XXXX month promo on time, but they had. allotted the monies for the higher sooner expiring plan to pay off the XXXX  month promo in XXXX  months. 
Since my payments were on autopay, I just looked at the total balance owing and minimum payment required. I assumed that my payment paid the min. required and allotted the overage to the expiring plan. 
They said I needed to call after each payment to designate the overage. 
HELP me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had all of my student loans consolidated in XX/XX/XXXX, but XXXX XXXX XXXX keep reporting my loans as120 days past due. These loans were opened between XX/XX/XXXX and XX/XX/XXXX.This is adversely affecting my credit score. I respectfully ask that all loans older than 5 years be removed from my credit report.
Product: Mortgage

I want to know from JP Morgan what happened to the second mortgage from the attached documents, and would also claim the the scam that was perpetrated on consumers during the great recession where JP Morgan paid out 13 Billion Dollars. Of the {$4.00} billion consumer relief package, at least {$1.00} billion went toward loans the bank was forgiving. There was also {$500.00} million that went to change of terms of loans to lower monthly payments etc. I am so perplexed on the lack of transparency of the note attached by this institution. Did JP Morgan package the second mortgage into securities and sell it, and if so " WHY WAS I NOT NOTIFIED OF THE ABILITY FOR THIS NOTES FORGIVENESS OR THEN ABILITY TO REFI TO BETTER TERMS. 
THIS WAS THE second biggest SCAM on the American public since the Great Depression, and NOW THE XXXX XXXX IS IN PLAY IN XXXX. 
DO NOT ASK ME FOR A TITLE SEARCH, LIKE YOUR LAST RESPONSE FROM A CFPB COMPLAINT. MY request is your problem to tell me everything about this paper shuffle that you performed in XXXX.
Product: Credit reporting or other personal consumer reports

I have an auto loan through XXXX XXXX  My ex stopped paying Im on the car and than hid the car on me. She surrendered the car. When I found out where it was. I paid the remaining loan off 100 %. It says it in my report. Its my car. It even states that I paid it. But its affecting my credit score. It needs to be removed. XXXX removed it. XXXX and equifax need to remove it asap. I also have a credit card debt on my XXXX for XXXX. Thats been paid off and removed by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So just last month I file a complaint with the CFPB about Experian failing to provide me verification on 2 accounts that they claim belong to me XXXX XXXX XXXX, when they belong to my son XXXX XXXX XXXX. I get letters saying it has been verified by the furnisher, but nothing was sent to me proving this. I'm also pretty sure when I go on the website of Experian, its supposed to say that these accounts are disputed by the consumer, which they don't say ( see attached ). 
I'm really tired of having to deal with this every month, especially when they don't respond within a timely matter. 
If you are unable to provide method of verification, which I'm requesting from you again, and not just an updated report that says it's been verified, delete the accounts listed! 

XXXX XXXX XXXX belongs to XXXX XXXX XXXX XXXX XXXX XXXX belongs to XXXX XXXX XXXX You have failed to do your job and report complete and accurate information as you can see in the attached photos. I will ask that you removed these accounts for inaccurate, incomplete information, and failing to provide method of verification of who they belong to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves LEXISNEXIS reporting agency. I have requested a copy of my report several times from this company. I get a summary, and a " link '' to view the report online, and it generates a password-protected, one-time access report. I am unable to print the report, or view it due to their archaic system. What I *DID* see contained many errors. When Incall the company, I am connected with an offshore call center in the XXXX. Foreign nationals should NOT have access to the private information of US Citizens, and I would suggest that this violates the intent AND spirit of the FCRA. I have been trying to get a hard copy of my LN report since XX/XX/2020, with no success.
Product: Money transfer, virtual currency, or money service

I am so confused. Why would you close my complaint? 
My issue was not addressed. 
CashApp, told me I had XXXX $ $ available. And based on that information that CashApp gave me, I released an item to the sender based on that information. 
CashApp then 2 days later send me correspondence that they denied transferring the money to me, the money they said the sender sent, they said they returned the senders money back to the sender for my protection THIS DOES NOT MAKE SENSE. You are not addressing the very complaint I issued ; you are just repeating the nonsense from CashApp. 

What are they protecting me from? 
Why would they send my money to the sender? 
Why would they tell me I received that money, if, in fact, CashApp did not confirm they received that money on my behalf? 

It is reasonable for me to believe CashApp would perform as they have done for the last 10 years with me and send the money they receive3d on my half in the 2 days they were given to receive. 
I am unable to contact the sender. 
In my original complaint to you, the CFPB I explained this whole thing to you. You reached out to CashApp, and they told you exactly their response to me which was a complete runaround, no real answers, and basically said they will not send me the money they owe me. 

THAT WAS THE WHOLE REASON I REACHED OUT TO YOU GUYS AND ESTABLISHED MY COMPAINT. 
Is there anything you can do to force their hand to payment the money they said they received but then sent back to the sender for my protection?
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a collection letter fro m Credit Control Services aka C redit Collection Services dated  XXXX   XXXX ,  2017  stating that I owed {$58.00} and offered me to settle it for {$46.00}, which I did on  XXXX   XXXX ,  2017 . Firstly, this company did not notify me of anything else before or after t his. Credit Control i s in violation of the FCRA requirement that a consumer notice shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. Secondly, the account was added after a payment had been made and finally have failed to verify the debt. Supported, by my call : On  XXXX   XXXX ,  2017 ,   XXXX   XXXX   XXXX    sent me a message that this company added this debt. I called Credit Control Company, a nd spoke to  XXXX  a collection agency representative who could not find the account or any information pertaining to the debt. I informed her that my call is recorded and have the conversation should it be needed. I verified if I was speaking tp the correct organization which she confirmed as accurate but had no such account. The company is in violation of my consumer rights to notify me of this debt and that it would be reporting to a credit agency and moreover failed to validate the debt even though I had already paid it.
Product: Mortgage

I paid off my mortgage on XX/XX/2021 and Cornerstone Home Lending was supposed to have refunded my escrow money. To date I have not received it. When I called them they told me that they issued 2 separate checks, one on XX/XX/2021 in the amount of {$6800.00} and a second check on XX/XX/2021 in the amount of {$5200.00}. To date I have not received either check. I asked for a postal tracking number and Cornerstone said that they don't mail that way. Cornerstone today when I called them XXXX XX/XX/2021 XXXX offered to stop payment on the {$6800.00} check and reissue it but they said that it won't go out until XX/XX/2021. I said DO NOT STOP payment, I will wait until this Monday, XX/XX/2021 to see if I receive it. If not I will call back to have it stopped. 
I do not believe that Cornerstone mailed any check to me. I think that this is a scam to ride the interest float on my money. Why can't they wire these funds to me? XXXX forbid if I was late with my mortgage payment they would've whacked me with interest and penalties. Hopefully you can light a fire under their corporate XXXX and get me my money asap. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I set up a payment plan with Synchrony Bank for a PayPal Credit Card for {$75.00} to be taken out of my account on the XXXX of each month. On XX/XX/XXXX they took {$700.00} from my account instead of the {$75.00} agreed. I contacted Synchrony Bank on XX/XX/XXXX and they confirmed this was an agent error however it would take them 21 days to look into the matter. We now have no way to pay our rent or feed our family. My wife and XXXX daughters will become homeless next week because this money was stolen from us and not given back. 

On XX/XX/XXXX I received a letter from Synchrony bank claiming they had attempted to call me, however, I had no missed calls or messages on my phone. They sent a check in the amount of {$700.00} to my old home address without discussing it with me. We no longer live at this address as we are homeless as a result of being unable to pay our rent because this {$700.00} was stolen from us. 

I have called and left messages with XXXX XXXX, as instructed on the letter and she has not once returned any of my phone calls. I need someone to contact me so we can actually arrange for my refund to reach me so my family and I can once again have a home to live in. 

Furthermore, the letter did not tell me how the employee who stole my money was reprimanded and have made no attempt to provide any damages for the loss of our home and the damage done to my family. Isolated incident or not, this has had severe consequences on myself and my family. Unless Synchrony bank feels it is acceptable for a XXXX-year-old and a XXXXmonth-old to be homeless, I am confused as to why they have not made more effort to apologize, contact us, and provide compensation. It has now been over a month, and I am yet to get my {$700.00} back from them.
Product: Credit reporting or other personal consumer reports

This company wrote this debt off yet has sold it to collections. 
Here it is. 

XXXX Last reported XX/XX/XXXX {$5500.00} Reported XXXX XXXX limit {$4400.00} You're using XXXX XXXX of your account 's limit OVERVIEW Credit limit {$4400.00} Minimum monthly payment -- Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made XXXX XXXX of payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not current Last payment XX/XX/XXXX Payment status In Collections/Charge-off Amount past due {$5500.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Profit and loss write-off Account XXXX XXXX XXXX XXXX Account closed by credit XXXX XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX
Product: Checking or savings account

I sent you a complaint through Cfpb three days ago, and today is Monday, today I was supposed to receive my XXXX payment, I still havent received my XXXX payment of {$1500.00}. 

I called the customer service XXXX days ago and they said that I have to go with an ID to the bank, I dont have time to do that. 

You guys havent updated your system, its a old third class system, you can not harass your customers like this
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XX/XX/XXXX XXXX  only CAP1/WMT Late Payment XXXX XX/XX/XXXX and XX/XX/XXXX CAP1/L & T Late Payment XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

On XX/XX/XXXX, I filed a complaint with you regarding the PIONEER CREDIT RECOVERY, INC. due to their inappropriate behavior towards me when my account was sent to them by NAVIENT SERVICING. I contacted PIONEER, as you recommended, but they were persistent in trying to get me to commit to a " repayment '' plan. Again, I insisted their involvement was in error, and that I would not make any commitment with them. I also told them I had been attempting to get in contact with NAVIENT, but could not reach a person to talk with directly. The PIONEER representative gave me a " direct line '' phone number that actually was the same as the one I had been using. I even attempted to contact NAVIENT online, but my password was not accepted. 
Since then, I have attempted to get in touch with NAVIENT in order to straighten out this matter. I immediately contacted NAVIENT, again, after receiving your " resolution '' regarding PIONEER, in XX/XX/XXXX. As I stated before, my account should have never been sent to PIONEER, in the first place. In XX/XX/XXXX, I had made payments to NAVIENT totaling XXXX ( {$1200.00} ). On XX/XX/XXXX, I finally received a response to my fax from NAVIENT regarding this, however THEIR accounting of my payments were, also in error. 
According to PIONEER 's correspondence, they said I had gone in default in XX/XX/XXXX, which is also not correct. I contacted my bank, and requested statements since XX/XX/XXXX. My statements further indicate I had been making payments to XXXX, and then NAVIENT. At the time, I was also under a DEFERMENT, but wanted to make a " good faith '' payment, anyway. 
The latest communication I have received is from PIONEER, again. They have " threatened '' to garnish my salary! Once again, I have FAXED twice to NAVIENT to attempt some sort of resolution with them. Again, my account should NOT have been sent to PIONEER, and I want to make an accurate accounting regarding past payments, and resolutions with NAVIENT that do not include PIONEER. 
Succinctly : 1. I want the " harassment '' to cease from PIONEER. 
2. I want to speak DIRECTLY with NAVIENT regarding the accounting of previous payments since XX/XX/XXXX. 
3. I am willing to make/continue making payments to NAVIENT once this matter is resolved ( my payments of {$200.00} each, were sent back to my bank when NAVIENT claimed no record of my account with them ). 
All of this is extremely disturbing. I would appreciate your assistance.