23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I wrote a monthly rent check on XX/XX/2021 that was lost in the mail. I called to stop the check with my bank, XXXX, but on XX/XX/2021, the I see that the check I wrote on XX/XX/2021 was deposited by a person I did not recognize, for an amount I did not recognize. The person must have stolen my check out of the mail, changed the date, the amount, and added his name to the payee line. I have already filed a complaint against my bank, XXXX, and are currently working with them to hopefully resolve the issue. However, when this person changed the amount on my check, he changed it from {$3700.00} to {$13000.00}, but only managed to change the original " XXXX XXXX '' to " XXXX XXXXXXXX. '' Despite his grave misspelling that should have immediately been suspect, TD bank still accepted and deposited the check. 

While I do not know the address of the TD Bank branch that accepted this washed check, I know that the return location routing number is : XXXX XXXX XXXX, and that it is located in downtown Flushing. The XXXX code is XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting Dear CFPB I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies persist, violating provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX ( XXXX and Experian ), XX/XX/XXXXXXXX  ( XXXX ) Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Account Type : Auto Loan Payment Frequency : Monthly Two-Year Payment History : XXXX : Late payments reported from XXXX to XX/XX/XXXXXXXX  and XXXX to XX/XX/XXXX. 
Experian & XXXX : Late payments reported from XXXX to XX/XX/XXXX, XXXX and XX/XX/XXXX, and XXXX to XX/XX/XXXX. 
These late payment entries are inaccurate and conflict with the actual payment history I provided in my previous disputes. 
FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are required to ensure the accuracy of the information in consumer files. Despite providing evidence to correct these inaccuracies, Experian failed to conduct a reasonable investigation and update my credit report accordingly.

TILA Violations : 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The reported late payments suggest noncompliance with this requirement, resulting in harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent unfair penalties. The continued inaccurate reporting indicates noncompliance. 
Desired Resolution : I am formally requesting the following actions : Immediate removal of the late payment notations for this account from my credit report with XXXX, Experian, and XXXX. 
Written confirmation of the corrections made to my credit file. 
Failure to resolve this matter promptly will compel me to escalate my complaint, including pursuing legal action and filing additional grievances with the Federal Trade Commission ( FTC ) and other relevant agencies. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Despite resolution with the bank, validated law enforcement reports, and removal by XXXX and XXXX, Experian insists I haven't followed protocol. I want the Consumer Financial Protection Bureau to scrutinize this case, as it appears Experian is failing in its legal obligation to process the identity theft report. 
XXXX XXXX XXXX
Product: Student loan

Hello - I have XXXX private student loans through Navient, which were originally XXXX XXXX loans. I have had these loans prior to XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX through XX/XX/XXXX I was enrolled more than half time in a law school program and from XX/XX/XXXX-XX/XX/XXXX I was enrolled in an LLM program more than half time which I am still enrolled in to this day. I received a bill from Navient last month stating that my in school deferment had ended on my loan, as the in school deferment option had ended on my loan and that the loan documents stated that there was only a 2 year period of in school deferment. This is odd, because I obviously have exceeded the 2 year in school deferment from XX/XX/XXXX-XX/XX/XXXX. When I called to discuss this option I was informed of this and was treated rudely, even when I asked why this provision was being enforced now? I asked to see my loan documents to see if this provision was included in the loan documents and was told that this provision existed and that my loans were audited and that it was revealed that my two year period had expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.
Product: Debt collection

I am a victim of Identity Theft & XXXX Data Breach and these are not my accounts. would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 



I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

2. Date of Last Activity. 
XXXX. Full, accurate Social Security Number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. The obligation between your company XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 
XXXX. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
XXXX. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) information relating to the purchase of a bad debt is not proprietary or burdensome. 
7. Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. ) I must emphasize that, under FDCPA Section 809 ( b ), collection activity is prohibited until the debt is duly validated. The court ruling in XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) confirms that reporting a collection account constitutes collection activity. Please be aware that this is not a request for partial validation ; rather, it is a demand for all the listed information to constitute full and sufficient validation of this debt. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Product: Vehicle loan or lease

Please review attached. Toyota Financial Services approved a bogus auto dealer fraud loan on me by XXXX XXXX. XXXX  XXXX  charged me on new loan ( added ) my trade {$4600.00} to price of newer car ( THEY STOLE MY XXXX XXXX XXXX!! They charged me for a new XXXX XXXX XXXX {$19000.00}.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$220.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} EMVLP, XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed XXXX {$2400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I was involved in an auto accident that as a result of the negligence of the other driver i was injured and my car totaled. Prior to that I was never!! late with payments. The insurance company paid more than XXXX to American Acceptance Credit corporation for my can o ( they are the finance company ) I do also have an attorney and we are suing the driver. I have constantly communicated this with ACA and they have now turned into the most aggressive collections agency ever. rude, harassing to the point I had to change my contact phone number on the account to a dummy number because they would call 5-8 times per day! My attorney got involved and the amount is being included in the suit, however American Credit now reports the payments 3 times per month on my credit report and un willing to negotiate any terms other than 30 days then listing as settled. This is a blatant attempt to extort. My score decreases ore than 22 points each time they post this and now its so low I cant get another car. It took me 3 months to have the update the account as they continued to report late and the outstanding bal was still more than XXXX even after posting the payment from insurance XX/XX/XXXX! This is extortion, in accurate, unprofessional and now I have to wait for my settlement to pay off all debit and hope for a huge score increase to buy a new car!
Product: Debt collection

I recently had my credit report pulled and can see that there is a medical debt collection on my report. I was not aware that this was on my report, as I did not receive a letter or a bill for this amount. I called the creditor and spoke to  XXXX  and advised her that I had not ever received a bill for this but was willing to take care of it if it would be removed from my credit report.   She advised me that she would settle for 50 % less of the balanced owed, but if I settled, my credit report would show " settled in full '' with a balance of what was owed, but if I paid the full amount owed, my credit report would show " paid in full '' with  XXXX  balance.     She took my credit card information and when I asked for a " Letter of Deletion '' she then advised that she could only report that it had been paid, and that it would not be deleted.     I do know that it is a violation of the FTC guidelines to tell a customer that they can settle their account but that it will still say " settled in full '' and will still include a remaining balance.
Product: Credit reporting or other personal consumer reports

Transunion has been reporting inaccurate information on my credit report
Product: Payday loan, title loan, or personal loan

I received a XXXX title loan for my XXXX XXXX. One of my family members was XXXX and I took out the loan to help that family member get out of XXXX. My family member got out of jail and didn't pay me back the funds that he assured me that he would return. These same funds were supposed to pay my title loan back. My loan was due on XX/XX/XXXX. ( Today is XX/XX/XXXX ) I've recently been terminated from my job further preventing me from paying my loan. I advised the title loan company that I'd like to just voluntarily surrender my vehicle ( which still runs ) and allow them to redeem the vehicle for whatever it is valued at. My vehicle is currently valued at around {$1200.00} at this point. XXXX XXXX XXXX advised me that they didn't want the vehicle and advised me that if I returned the vehicle then they'd just let it sit in front of the store. I advised the representative that I understood the process and that if there was a remaining balance that I'd try to settle it once the vehicle was sold at auction. The representative confirmed that they didn't want the vehicle because it's in their best interests to allow interest to build up on my account. I advised the representative that once I surrendered my vehicle then the interest should stop accruing to which the rep responded that that's not always true. I advised representative that these are predatory practices. Representative told me that he didn't have anything else to say. Advised representative to cease and desist with calls. Representative told me that Cease and Desist laws doesn't apply to my loan. Representative 's name is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Product: Mortgage

Milend Corp refinanced over a year ago. Was contacted by broker rep XXXX stating he took over files and wanted to see if he could help with another loan. Advised not now, but he started asking all kinds of questions as to what changed, and when he asked if I knew what my credit score was I said yeas, but I insisted he not pull a report as I had too many inquiries from the past. he said he would not and had enough to go on, still told them not now, did not listen..Hours later was notified that a credit hard was pulled, he did it anyway, and come to find out he pulled my wife 's too and she never talked to him.Now I am banged with another credit pull. He lied about his company and stated they hold the loan ad they do not, it was sold 2 months after settled. Spoke to Vice President of Milend, defended this XXXX, and made me feel like I am the liar. well they record conversations, check it. I insisted he be fired and lose his license as I am sure he has done this before to others, very unethical. I refuse to be scammed and lied to on such a serious matter I am now flooded with mortgage offers from this pull.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Complaint Regarding Persistent Billing Issues with XXXX XXXX XXXX  - XXXX XXXX To Whom It May Concern, I am XXXX XXXX, and I am writing to file a formal complaint regarding ongoing billing discrepancies with XXXX my payment processor. Despite multiple assurances from representatives regarding billing timelines and plan details, I have encountered consistent issues with unexpected charges and unclear billing practices. 

Upon upgrading my device, a representative assured me that I would not be charged until after a 40-day period. However, just one week later, I received an email demanding payment of {$150.00}, which was unexpected and contradictory to the initial agreement. Upon inquiry, I was informed of an additional {$170.00} owed, purportedly for a " register plan '' that I had not agreed to nor been adequately informed about. 

This is not an isolated incident. I have previously experienced similar problems with XXXX, including being billed for services that were supposed to be included in a XXXX plan and being falsely accused of non-payment for hardware that I had already paid for. Despite providing evidence of payments and resolving these issues with helpful representatives, I continue to face billing discrepancies and confusion. 

Furthermore, I have been unjustly sent to collections without prior notification or clarity on the amounts owed. I have never received any communication regarding the expected charges or when they would occur. Instead, I only receive notices when I am already in collections, creating unnecessary stress and frustration. 

In my recent interactions with XXXX representatives, I have learned that my plan with XXXX was not supposed to commence until XX/XX/XXXX, yet I have already been billed well in advance of this date, totaling over {$300.00}. Despite making payments, the billing irregularities persist, leaving me with mounting concerns about XXXX 's billing practices and the legitimacy of the charges. 

These inconsistent billing practices and lack of transparency are unacceptable. I have diligently documented all communications and evidence of payments to facilitate resolution, but the recurring nature of these issues indicates systemic problems within XXXX 's billing department. As a consumer, I expect fair treatment and clear communication regarding financial matters. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX rectifies these billing issues and implements measures to prevent similar incidents in the future. I appreciate your attention to this matter and look forward to a prompt resolution. 
I hope for a swift resolution and refund, along with a thorough investigation into XXXX 's practices by the appropriate authorities. 

Sincerely, XXXX XXXX
Product: Credit card

I attempted to contact Sam 's Club to get my payment reduced. However, Once it was being transferred to customer services i got a number code ( XXXX ) and the phone hunged up. I have been with Sam 's club for sometime now. In the past my payment history has been in great standings. However, I had a change in job where my income has decreased tremendously and I can not afford to keep up with the payments. I have been late frequently and Sam 's continue to add more late fees that causes the balance of my Sam 's club account to increase. I am being charged XXXX for late fees and XXXX for interest charge on purchases where I have not used my Sam 's card for over almost a year I 've been sending payments and my last payment was {$130.00}. I just can not get caught up. I am asking that Sam 's Club would lower my payments and interest rates as where so I can be able to pay them off..
Product: Debt collection

On XX/XX/XXXX I logged in to pay my monthly payment and the amount due was {$0.00}. Payment is due on the XXXX so I trust that the batch processing or database was updated. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, at XXXX XXXX  I received calls from SLS and I am sure I have a Do Not Call note on my account. 

During XX/XX/XXXX, I have had to enlist the assistance of the GA Attorney Generals ' office ( # XXXX ) and Colorado Attorney Generals ' office along with cfpb ( case # 's XXXX, XXXX ). 

I have attached the statement showing a {$0.00} payment due. The next payment due is XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made a transfer with Remitly initially it was supposed to take XXXX to 7 days. It is now been 22 days and I have not received my refund as requested. Initially, they told me that there was a hold due and further information was required and documents for the transfer which we provided though email at XXXX, several days later they delayed again to tell us that the money was now being held up at the transfer bank because of the cancellation we had requested after waiting roughly 2 weeks. 22 days and still not receiving our money they are telling me that it is with my receiving bank and they have sent out emails and are unable to get the funds returned to to me because it is with the my bank and they are not getting any responses from the receding bank, however my receving bank does not have a record of this transaction. I have contacted them a number of times as I am also the recipient and there is no record of a transfer .I ..... It has been 22 days since the initial transfer and over 11 days that we requested a cancellation and we still do not have the refund of {$25000.00}