23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was previously a lease holder through Toyota Financial Services for a XXXX XXXX XXXX XXXX and turned in the vehicle off lease for a XXXX XXXX XXXX XXXX in XX/XX/XXXX. I began receiving calls from a debt collector at XXXX XXXX in approximately late XX/XX/XXXXstating that I owed $ 400+ dollars from my XX/XX/XXXXlease relating to a missing key when the car was turned in off lease. The address he had on file, as provided by Toyota, was the incorrect address despite me being a current account holder with Toyota for the XXXX XXXX XXXX and receiving bills each month to my correct address. I provided my current address ( not knowing who he was ) to receive a copy of the bill. I was told this was sent on XX/XX/XXXXbut this was not received at my home. I received 2 additional calls from XXXX XXXX. He then suggested I consider speaking with Toyota Financial Services. I called the number at Toyota FS provided by XXXX XXXX and was told by XXXX XXXX in recovery at Toyota FS that she could  provide me no information on my account and that I had to speak with the debt collector at XXXX XXXX and Toyota would not send me the bill. I requested to speak with a supervisor at Toyota FS and was told a supervisor was not able to speak with me. I offered to provide a call back number and was told they do n't make outbound calls. I then offered to wait on hold and was told they do not allow people to wait on hold. So, I am now at a point where I am being called repeatedly by a debt collector, have no way to validate this money is indeed owed through the receipt of a bill and Toyota Financial Services sent me to a debt collector due to not having appropriate records for this amount claimed owed for a missing key when they do have my address for the car I pay monthly for that I traded the old vehicle ( with the supposed missing key ) in for.
Product: Student loan

I have a series of loans for my daughters ' college tuition financed by Nelnet. Although my daughters graduated several years ago, Nelnet auto debits my payments each month from my checking account and the interest rates are all fixed. Nelnet is increasing my monthly payments for the second time since my daughters ' graduation dates. I received a notice from Nelnet that it would increase my payments by more than {$130.00} per month. I called its customer service number and requested a management audit of my loans and payment history. I received an updated notice from Nelnet that indicated it would increase my monthly payments by approximately {$30.00} per month. I never received the detailed explanation from a Nelnet manager explaining how my payments could increase if the principal amount loaned did not increase, I did n't miss a payment and the interest rate is fixed.The only possible explanation is that Nelnet is misapplying my payments. Again, I request a full management audit of my loans and payment history, and a senior manager 's detailed explanation of why Nelnet has to increase my monthly payments.
Product: Vehicle loan or lease

CarMax Auto Finance has never gave me a loan. CarMax keep sending me bills. 
CarMax never responded to my Affidavit. 
I request CarMax Auto Finance send me an audit trail accounting to Generally Accepted Accounting Principles ( GAAP ). 

I, the consumer participated in a consumer credit transaction. 
I'm the original creditor, lender, executor administrator and holder in due course. 

See Affidavit sent XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Experian, XXXX added collection for {$1500.00} that was previously removed it is reporting this account as a new Deragatory mark on my credit report. I have not had any personal contact with the collection agency and the credit bureau DID NOT inform me this was being reported. This collect has now resurfaced and it is impacting me severely. I am currently disputing this with all 3 credit bureaus. I feel taken advantage of and the want to keep me in the negative. Please help me.
Product: Checking or savings account

XXXX closed my account. Fine. I still have a balance of {$95.00} on it. They requested a statement for extra support before returning the final balance. I sent it the statement and they are not responding to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX XXXX Account XXXX As a natural person and provider for my family I have a request that inaccurate info inundating my consumer file be deleted and due to the time period also I be paid damages for willful noncompliance. 
Experian and XXXX credit reporting agencies have been reporting incorrect info on an account That was closed by the creditor. After a correspondence with this creditor it has been deemed that the reporting supplied by creditor XXXX XXXX XXXX is inaccurate. Due to these inaccuracies I have been forced to deal with sub par credit with late payments being reported and collection reported at the same time drastically hindering my ability to obtain credit and due to this fact impacting my mode of living and how I provide for my family. I have found through a letter provided by XXXX XXXX has written this debt off due to litigation so this account is now a legal matter and has nothing to do with credit at this point. But regardless my credit profile is showing payment status of collection/Chargeoff for Experian and just in a late 120 days with XXXX. These are not the same status hence inaccurate and should be removed from my credit profile due to serious damages and denials of credit for my business and personal sides simply due to reporting. My File even has good payments in XXXX and XXXX but Collection status for Experian for the same amount of time. I feel as mode of living has definitely been impacted by this gross reporting negligence.
Product: Debt collection

Account XXXX, balance of XXXX original creditor XXXX XXXX SOLD DEBT TO A COMPANY WHOM NEVER GAVE ME THEIR NAME OF THE COMPANY Account was closed XX/XX/2020 was misinformed and miseducated about the balance that needed to be collected on a partial payment. Company didnt give a name of who was collecting my information and intimidated me for a partial payment. Currently theyre still writing charge offs on my credit report and the account been closed since 2020. XXXX negative charge offs! on my credit report UP TO DATE
Product: Money transfer, virtual currency, or money service

I've tried reaching out to PayPal to try to close out my account with them and they keep telling me wait 6 months since XXXX and I did wait and now when I try to call them and find out why I'm not able to close my account I keep getting told that they'll submit a ticket & get back with me and they never do its now XXXX and still nothing from them that money was supposed to be used for my husbands funeral expenses but since PayPal put the limitation on my account I've had to go take out loans to pay for it.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several in accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

There are unauthroized accounts on my credit report that I did not authorize. opened without my knowledge XXXX ( {$18000.00} ) XXXX XXXX  ( {$1100.00} ) XXXX ( {$5600.00} ) XXXX  ( {$11000.00} XXXX XXXX XXXX XXXX {$400.00} )
Product: Debt collection

On XXXX XXXX, 2011 the XXXX XXXX XXXX XXXX of XXXX, WI on behalf of Midland Funding LLC, with debt that was bought from XXXX XXXX. Had a judgement place on me for the amount of {$4800.00}. 
My credit amount was {$500.00} and by the time of the judgement it was {$4800.00}. I just received a letter state that I now owe {$7600.00}. I my understanding that XXXX and Midland have had complaint and action take against them in last year about how they handle debt collection.
Product: Credit reporting or other personal consumer reports

34 CFR 682.208 ( 3 ) Due Diligence in Servicing a Loan : " Upon receipt of a valid identity theft report as defined in section 603 ( q ) ( 4 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) or notification from a consumer reporting agency that information furnished by the lender is a result of an alleged identity theft as defined in 682.402 ( e ) ( 14 ), an eligible lender shall suspend consumer reporting agency reporting for a period not to exceed 120 days while the lender determines the enforceability of a loan. '' As a result of attempting to communicate with XXXX over a year on my loan, I ultimately stopped payment on my loans in XX/XX/XXXX  in order not to ratify any modifications to my contract after discovering identity theft in the form of an unauthorized XXXX  application in XXXX XXXX which XXXX now admits was not applicable to my account. ( Notably, had XXXX pushed my payments ahead due to all of the overpayments, I would be years ahead at this point. ) I provided proof of identity theft ( attached ), yet my credit reports have not been updated in accordance with the foregoing section. I am a small business owner and unable to obtain favorable interest-rate loans for the continued operation of my company as a result of the effect of this identity theft and failure to properly service my loan.
Product: Mortgage

I am 47 days late on my mortgage t o Capital One N.A. Th e payment is {$2200.00} per month. I just received a letter from them threatening me with foreclosure. They state I must send them {$6600.00} CERTIFIED FUNDS. ONLY THE TOTAL AMOUNT DUE WILL BE ACCEPTED. The month of  XXXX  is still 14 days away. What gives them the right to force me to pay  XXXX ,  XXXX  and  XXXX  at this time? What gives them the right to not accept my  XXXX  payment at this time?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. 

I Have never given permission for these companies to pull my credit for the last year! 

This is illegal and a violation of consumer rights! I obtained FTC Identity Affidavit back in XXXX to dispute and request deletion. EXPERIAN has refused to delete these inquiries which has blatantly violated my consumer rights and protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 Delete the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit report from Experian XXXX XXXX XXXX. Amazingly my XXXX XXXX was finally BACK to where it was a minimum of XXXX months ago and get this BEFORE I paid down multiple accounts. To tell me this score and report is NOT incorrect is demeaning and frankly insulting. They can NEVER calculate the correct score for anyone because their information can be XXXX or more months old. You on the other hand profess to be a consumer " protection '' agency while this continues unabated impacting millions of Americans forcing adverse action or high interest rates. Frankly other Americans are too XXXX to recognize the fraud and it is fraud when one deliberately provides false or misleading information. The consumer suffers penalties for that, these agencies NADA. I don't give a XXXX let them wake up. I just want me and mine to have their right scores. Rhetorically, do you think as honorable ethical people you can get that done? XXXX Experian data XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1000.00} DEPT OF ED/XXXX XXXX {$4100.00}
Product: Debt collection

According to XXXX XXXX. A notice of this debt was sent to my old XXXX address on XXXX XXXX. I was not in that location as I have moved to XXXX XXXX. My address was changed with USPS XX/XX/2023. Which further proves I did not receive notification of this debt and it was just added to my credit report with again is a violation of the fair credit act. As a collections company you need to make sure you have to correct information before doing this. You are breaking the rules.
Product: Credit reporting or other personal consumer reports

My account with this XXXXXXXX XXXX XXXX XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 MONTHS REPORTING LATE 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.

This company 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: Debt collection

I received a collection notice from Spring Oaks Capital LLC on XX/XX/2021 for {$3000.00}, that doesn't belongs to me and i replied with letter asking " debt verification '' documents on XX/XX/2021, ( delivered XX/XX/2021 ) but they never responded., they reported to XXXX  as a Collection. This is ID theft, i don't have any knowledge of this account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a through investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Opportunity financial is reporting inaccurate information I do not have a open account or contract with them
Product: Credit card or prepaid card

In XXXX of XXXX, I paid {$50.00} for a Netspend Visa prepaid card. I tried several times to activate and use the card via the internet. On XX/XX/XXXX, I finally called customer service to activate the card. After 30 minutes of waiting in queues, entering personal information into automated prompts, and giving personal information to a live representative, I was informed that I needed to send photos of my social security card and government issued ID to verify my identity before the card could be activated. I complained that it was too difficult to get my {$50.00} after which I was informed that my balance was $ XXXX. I feel the extreme difficulty in activating the card is purposeful with the intent of the company to charge fees at {$6.00} per month for unused/inactive cards. I am not sending copies of my ID cards for {$14.00}. Essentially, I have been defrauded by Netspend for {$50.00}. Their business model is obviously unethical and unfair to consumers. It may also be criminal, and if it is not, it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

t
his company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where CHASE accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately.
Account name CHASE Date of request XXXX/XXXX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )
Product: Debt collection

Debt shows as owed from XXXX thru convergent collection agency and when prompted to access online I cant with my valid credentials and supervisor from convergent collections cant explain why the Ss number and or zip code and last name doesnt match my info yet they are attempting to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
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 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 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 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 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Upgrade XXXX # XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an 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

Ordered XXXX XXXX, having issues with service. Technician came out and checked the connection. The XXXX stated the service from the pole to the house did not work, so replaced it. Discovered it still did not work so sent another technician out to check the service in the home. He stated the connection was so bad that I would not be able to receive internet. They continued to bill me knowing that I was paying for a service I was not getting.
Product: Checking or savings account

I received an offer in the attachment. But the banker refused to open this account for me because I am not a permanent resident, even though there is no such requirement in the term.