23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

the account is with XXXX  for XXXX XXXX XXXX XXXX XXXX. they have failed to report the payments i have made, failed to work with me on payment options contacted the school for help they did not respond in XXXX of XXXX school asked me to get a private loan to buy out the XXXX the school tried to collect on the debt that is supposed to be the XXXX, the XXXX account reported to the credit bureau that the account was closed in XX/XX/XXXX but it is continuing to send me statements requesting payments, most recently XX/XX/XXXX is the statement from XXXX that i received. the school is also refusing to release my transcripts
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing in regards to the debt that doesnt belong to me. I HAVE A XXXX XXXX XXXX XXXX XXXX LETTER PROVING I DO NOT OWE THIS DEBT, THIS IS INACCURATE AND IS AFFECTING MY LIVELY HOOD GREATLY.
Product: Mortgage

I began the process of refinancing my home in XX/XX/XXXX. I was not able to close on the refinance until XX/XX/XXXX. I was told at the time of application that it would be 45 days to close because it was a streamline refinance. After XX/XX/XXXX I basically emailed the processor every week or 2 to find out what was going on. The answer was always 'we are still waiting '. She was hardly ever able to tell me what we were actually waiting on. Only after I called and complained to everyone that would listen did I get any results. By that point i was calling almost every day. In the beginning I was told that I could not open any new lines of credit or do anything. AFTER the complaint I was told that I could do whatever I needed to do. This was 9 months into the process. I also told that I would receive at the closing. The amount I received back was significantly less than what I was told by the processor. Bottom line, I feel like the closing was mainly delayed so I would still continue to pay at the higher interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting proof of ownership. I did not sign off on this loan. 

This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I was forced to pay off this account because I was getting a mortgage. I have yet to recoup my funds and on top of that XXXX XXXX does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.
Product: Checking or savings account

I signed up to a US Bank XXXX account on XX/XX/2023. The promotion states that I will receive {$500.00} after depositing {$3000.00} and having the account open for 60 days with a balance of at least {$3000.00} by day 60. It is now past the 60 day mark and I have received no information from the company regarding the bonus. 

My acct # is XXXX Please investigate this. 

Thanks, XXXX XXXX
Product: Debt collection

TSI ( Transworld Systems ) made no attempts to contact me to resolve the debt before it showed on my credit report. My Utility account became due when I moved out of my old house at the end of XX/XX/year>. I was making monthly payments to the Utility company in a good faith effort to resolve my balance, and have communicated with them my hardship after ending budget billing after a hot summer causing my balance to be higher than usual, along with my roommates at the time refusing to pay their share of the final bill. Even though I was making payments on the account, I noticed a collection from an unkown company called TSI on my credit report in XXXX. I never received a call from this company, nor did I receive any letters informing me of any attempt to collect the debt before it showed on my credit report. I had to call the utility company to verify that this TSI company was legitimate, and had to ask them to help me figure out my account number with TSI so that I could reroute my payments to them. I feel that I was never given the opportunity to resolve my debt by TSI before it showed on my report because I had receive no communication from them. This is unfair because it damaged my perfect credit payment history, even though I made every effort to resolve the debt. They should have had my phone number and address because I notified the utility company of my new address after I moved out, just to make sure I got my bill sent to the correct address.
Product: Student loan

The loan continues to be transferred from servicer to servicer changing rates and adding fees. I could no longer pay the ballooned loan and it was suggested that I defer he loan, I was not informed interest would continue to compound. The loan is now out of control I do not know how I will ever get out of debt. I was lied to, misrepresented to, taken advantage of, and failed all for naiveness profit multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, sufficient bank account funds were available for every incident outlined in this consumer complaint. 

Bank records are available for review upon request. 

XXXX XXXX XXXX, XXXX is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their deceitful/deceptive business operations ( See attached " Exhibit D '' and XXXX : XXXX ) which include, but are not limited to, collusion, fraud, negligence and malicious intent against consumers of XXXX XXXX XXXX, XXXX 's products and services. 

1. I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached file/Exhibit A as well as the XXXX Payment Receipt and Confirmation electronic document attached ). XXXX XXXX XXXX, XXXX  PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from XXXX XXXX XXXX XXXX . 

2. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit B ) and XXXX XXXX XXXX XXXX PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ). 

3. XXXX XXXX XXXX, XXXX consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached file/Exhibit E ). 

4. XXXX XXXX XXXX, XXXX sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by XXXX XXXX XXXX, XXXX 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by XXXX XXXX XXXX XXXX . 

XXXX XXXX XXXX, XXXX needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.
Product: Mortgage

I received the attached letter from my mortgage servicer. It states that as of XX/XX/22 my flood insurance was " cancelled, expired or was unacceptable '' and that force placed insurance would be obtained ( at great cost ) unless replacement or renewed coverage was secured. 
This is 100 % wrong, apart from being upsetting and disruptive to me, my XXXX president and our insurance agent. I called the mortgage servicer this morning ( Planet Home Lending ) and when pressed, the servicer 's rep admitted that they took over servicing on XX/XX/22 and did not have our insurance documents. They said they received nothing from the lender. Instead of asking for a copy of the insurance policy, they instead sent this erroneous, threatening letter and caused unnecessary work and concern for several people. Planet Home Lending should be reprimanded or sanctioned for the misstatements made in the letter, as our building 's insurance policy is and has always been in force. I will be sending a copy of our master condo policy to the servicer ( now that I know what actually is needed ) but would like to see steps taken so no other borrowers receive such a letter with these false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

These alleged accounts are being reported to my consumer report without my consent In the form of a " charge off ''. The IRS identifies a " charge off '' as income for which I should have received a 1099C. I have not received a 1099C nor does incomes suppose to be reported to consumer reports! Therefore in accordance to the FCRA, please remove these account from my consumer report. You have an obligation to protect my right to privacy and to ensure my consumer report is fair and equitable to me at all times.
Product: Consumer Loan

As stated before in several complaints against BMW Financial Services and again here, payments on my loan do not reflect a total of XXXX down as negotiated with selling dealer, BMW of XXXX XXXX. The sales manager, XXXX, was attempting to extort XXXX out of me as a total of XXXX was supposed to be put down. However, only XXXX was put down and XXXX wanted me to give him XXXX in cash for his pocket. His exact words were, " You 're putting down XXXX but it will only show XXXX ''. Complaints against dealer have been made with XXXX ( XXXX ), Attorney General of Connecticut, Consumer Affairs in Connecticut, all unresolved. An extension would have remedied the matter, however, BMW Financial Services will not make an exception and denied all requests. Ive attempted to reach a XXXX XXXX, left several voice messages, in regard to this. He does not return calls. It appears BMW Financial Services will not budge in any direction in regard to this matter. Please consider this matter unresolved and advise them this will not go away, they will need to do something about this or they WILL continue to receive complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 

1. 
XXXX XXXX XXXX XXXX  2. XXXX XXXX - XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 3. 
Acct. # XXXX XXXX XXXX XXXX  4. 
XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX 5. XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX 6. 
XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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
Product: Debt collection

Asset Acceptance LLC garnished my wages for a XXXX XXXX XXXXXXXX Credit Card that I had in XXXX. ( Judgement ) in XXXX. They canceled the garnishment once it was paid in full. Then turned around and garnished my wages again. Now, 10 years later they are trying to garnish my wages once again. That is 3 times now for the same debt. I have all of the documents that were provided to my past employer and my current employer. The address that they put for me on all the documentation was wrong, always has been and I have never been sent any notices or invoices since the card went into default. I lived in the same house for 26 years and they never notified me of anything. They keep going and getting judgements against me and I have no way of knowing that they are getting them because no one is notifying me so that I can dispute the judgement and then they get garnishments for the same debt that has already been paid.
Product: Debt collection

I received a letter from XXXX XXXX, of Viking Billing Service XXXX XXXX XXXX MN dated XX/XX/XXXX stating that a car I rented fromXX/XX/XXXX in XXXX XXXX CA was damaged while in my possession and that I owe {$410.00}. There was no description or evidence of the alleged damage, and in fact, I drove the car only XXXX  miles without incident. It was parked for all but the trip to and from my parents ' farm. When I returned it, no mention was made of any damage. 

I talked to a representative at Viking who said she could send documentation of the damages, but I have not received any such documentation as of this writing. Not that that would somehow change my mind -- no damage occurred to the vehicle while in my possession. I contacted XXXX and they told me they have no record of damaged related to my rental. 

I have mailed a letter to XXXX XXXX using one of CFPB 's templates asking that he provide evidence of damage, and otherwise desist from contacting me. I also filed a complaint about this episode with the Minnesota and North Dakota XXXX.
Product: Checking or savings account

I am extremely frustrated and disappointed with the handling of my fraud claim and the unauthorized debits from my account. 

In XXXX, my vehicle was burglarized, and my financial information was stolen. I promptly filed a police report and an identity theft report, both of which were provided to TD Bank. Despite this, my fraud claim was not honored, and over {$1000.00} was reversed from my account on XX/XX/XXXX. This caused significant financial hardship, including delays in my rent and car payments. 

Now, I see that TD Bank has withdrawn these funds again. This is unacceptable. None of my other financial institutions have mishandled this situation in this way. As a XXXX XXXX  and a XXXX XXXX XXXXXXXX, this has been the worst banking experience I have ever had. 

I do not have additional funds for TD Bank to withdraw. The reversal was unjust, and I am pursuing legal action with my attorney to recover my stolen funds. I demand that my account balance be immediately restored to the correct amount. 

If this matter is not resolved, I will proceed with legal action against TD Bank for mishandling my case, financial distress, and unauthorized deductions. Please confirm in writing that my account will be corrected. 


- The reason the pin was used I had just left the bank and was targets the entire purse with the TD envelope with my new debit card was inside and unfortunately the pin was written down I am a new mother and have memory loss I have to write everything down no one knew I would be robbed of my items Im so hurt and devastated and stressed from TD bank behind this I will be pursuing legal action against TD Bank and its fraud department due to the mishandling of my claim following a car burglary. I was targeted after leaving TD Bank, and the stolen envelope contained my new debit card, PIN, drivers license, and cash. The banks response to this situation has been unacceptable, and I am deeply disappointed in how my case was handled.
Product: Money transfer, virtual currency, or money service

Zelle did not place the proper disclosures and warnings to ensure that I was sending my funds to the correct person.
Product: Debt collection

XXXX XXXX XXXX garnished my wages without providing any proper notice, causing significant and undue financial distress. At no point was I notified of a judgment or the garnishment itself, either by XXXX XXXX XXXX or my employer, who also failed to inform me before the garnishments began. This complete lack of communication and notification left me blindsided and unprepared to handle the financial burden. 

On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX in good faith, seeking to set up a repayment plan. During my conversation with multiple agents and a supervisor, I clearly explained that a garnishment would create severe financial hardship. They assured me they would mail a hardship exemption form, but I never received it. Despite my repeated efforts to work out a voluntary repayment agreement, including signing and returning the necessary documentation as instructed, they failed to honor the agreement or provide any updates. 

Adding to the frustration, I was locked out of my online account for making payments. While I could log in, they refused to accept payments in any amount. Instead, XXXX XXXX XXXX appeared unwilling to cooperate, even going so far as to initially brag about their intent to garnish my wages while I was actively trying to resolve the matter responsibly. Their actions demonstrate a lack of transparency, fairness, and regard for the financial distress they have caused.
Product: Money transfer, virtual currency, or money service

Email : XXXX ( XXXX XXXX )/ XXXX ( XXXX XXXX ) Zelle XXXX ID : XXXX Phone : XXXX XXXX On XX/XX/22 my son was incarcerated at XXXX XXXX XXXX XXXX The arrest information including his address was made public by the jail which is how this person knew to contact me. I had made several calls to local bail bondsman about the case and this person called at about XXXX XXXX  and said he was from one of the agencies I had called. He had me Zelle the money ( {$1000.00} ) for the bond to him. It wasn't until a few hours later when I spoke to the correct agencies that I realized this person lied to me. I do have the email with the fake document he sent as well as an audio recording of him requesting the money. He presented to be someone else and stole my money. I have also alerted the FBI Internet Crimes Unit. Under Regulation E, this money needs to be returned. Zelle told me even though they know it was a scam they can't return the money.
Product: Debt collection

This complaint is for Nation Service Bureau or NSB. I was contact by phone first. The woman stated that I had an unpaid claim with StateFarm insurance from an accident I was in earlier this year. I called back to get information and the call was not returned. I got a letter in the mail next with claim information stating I owed XXXX for a subrogation claim. I called the number on the letter and the woman harassed me and threatened to suspend my license if I didnt pay her for the claim. She read off information from the police report that is part of public record. I contact XXXX and they confirmed there are no open claims under my name. I even contacted my insurance company ( XXXX ) to ensure there was no balance on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, XXXX, Experian, & XXXX each with separate letters describing all the information that is incorrect on each of my 3 individual credit reports. 

I sent the first set of letters over 70 days ago, to each of the bureaus, with no response. 

I sent a second set of letters over 31 days ago, again with no response. 

Showing in detail the Inquiries that are fraudulent, the accounts that do n't belong to me and addresses, phone # 's, and Names that are not mine. 

I also sent copies of my SS # My AZ state ID, and a current household bill showing my Address. 

Despite each of the Credit reporting agencies placing a " Fraud Alert '' on my account, without me asking. They have not removed all the incorrect information, and they have not provided and signatures showing I have an account or a contract with the Companies in question.

I feel this is a serious abuse of my legal rights and I am hoping to find some resolve with this complaint here and now. The following are all the misreported information on my 3 Credit Reports. 

The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by EXPERIAN ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Names Alleged by XXXX ; XXXX XXXX XXXX The following are miss-reported and or 100 % inaccurate Phone # s Alleged by XXXX ; ( XXXX ) XXXX, ( XXXX ) XXXX The following are miss-reported and or 100 % inaccurate Addresses Alleged by XXXX ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following are miss-reported and or 100 % inaccurate Accounts Alleged by XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX