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

I had to leave my job inXX/XX/XXXX due to XXXX XXXX XXXX   requiring XXXX. I had to take early retirement due to the cost of a XXXX XXXX. I was then and am now on a fixed income. I contacted Toyota Financial Services prior to the due date of XX/XX/XXXX requesting an extension due to the timing of the start of retirement benefits. My extension was granted and they sent me a confirmation letter dated XX/XX/XXXX, Account # XXXX. That letter confirmed the new next due date would be XX/XX/XXXX. On or about XX/XX/XXXX I saw where Toyota was going to take the {$600.00} for the XX/XX/XXXX payment through automatic withdrawal from my checking account. I immediately called their Customer Service and was told that I needed to cancel the automatic online and I did. I was further instructed to go to my Bank and issue a stop payment on the withdrawal which I did. Apparently, the stop payment somehow changed the next due date from XX/XX/XXXX to XX/XX/XXXX. The Customer Service Agent that instructed me to stop payment did not inform me that it would change the terms of our agreement specified in the XX/XX/XXXX letter. Still struggling financially in XX/XX/XXXX, again due to the retirement benefit from SS being delayed an entire month and Toyota 's insistence I was late on my payment contrary to the agreement in theXX/XX/XXXX letter, I contacted them again.

The Customer Service agent this time looked at theXX/XX/XXXX letter and told me I was correct and it would be fixed including a change to my due date from the XXXX of the month to the XXXX of the month to allow my retirement check to be received and payment made on time. It never happened. I contacted their Customer Service again.

This time the Agent told me because of the stop payment, instructed by them in XX/XX/XXXX, the payment I made in accordance with the XX/XX/XXXX in XX/XX/XXXX was credited to XX/XX/XXXX making me a month late. Another extension was granted that I thought was suppose to straighten it all out and show me current. I will make another payment today, XX/XX/XXXX for {$600.00}. I can do no more. However, they are assessing late fees each month that I feel is unfair and not right.

I contacted them, once again when I made the XX/XX/XXXX payment on time and asked again that they fix it by 30 days so I could begin restoring my lifelong good credit. They denied my request in a letter ofXX/XX/XXXX. I am frustrated and will not allow them to assess late payment for the term of the loan which goes on for a while. I will simply give them back the car. I am on a fixed income and have no way at this time to double payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

following accounts are incorrect, and they are adversely Affecting me DEBT Of ED - 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 response to my formal dispute letter sent on XX/XX/year>, regarding inaccurate and/or fraudulent information on my credit report due to the XXXX data breach, I have not received any resolution within the mandated 30- to 45-day period under the Fair Credit Reporting Act ( FCRA ), 1681i. 

One of the disputed items includes a negative entry from Capital One, account number XXXX, which I believe to be fraudulent. I provided supporting documentation, including an FTC Identity Theft Report, to demonstrate that this account was opened or used without my authorization. 

As no action or response has been taken to verify or resolve this matter, the FCRA 1681i ( a ) ( 5 ) ( A ) requires that this account and all associated negative information be deleted immediately. 

I request the prompt removal of this and any other unverifiable items listed in my original dispute letter. Additionally, please confirm the corrections in writing as required by law. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I attempted to make a purchase of {$160.00} and wanted to use my PayPal Credit Card. I have it set as my default, preferred method of payment. PayPal has denied me access to the card and the ability to even use it for any transactions at this point. When I go to choose the method of PayPal payment, the only choice is another credit card that is general purpose through a different financial institution and an interest rate over 16 %, whereas the PayPal credit card has a promotion of 6 months no interest for purchases over {$99.00}. PayPal, through the denial of access and use, has made me make the purchase using another method that charges me interest. I have called on this issue previously, but since my last inquiry and questioning as to why it doesn't work the ability has been removed completely to even make an attempt at using it. The financial institution that actually provided the credit card is XXXX XXXX and states that there is no problem or issue on their end with me using the card. I have over {$1700.00} available. PayPal appears to make the decision on whether I am able to use the card issued by XXXX XXXX  although PayPal has no risk involved in the transaction. I have attached the PayPal User Agreement and highlighted their language. I have never received a reason for denial in writing. The Account Limitations section does not apply to me. I verified who I am and I am not a seller. No issues have been reported from my debit or credit card issuers. There was no fraud being attempted. XXXX XXXX even stated that there are no issues. This was not an error. 
PayPal did not attempt to hold payment, they denied access and use of payment.
Product: Credit reporting or other personal consumer reports

XXXX continues to report Kohls store card despite being dismissed by trans and XXXX effecting credit score and applications for XXXX XXXX referenced by them and not the other agencies.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I submitted a payment via Venmo of {$60.00} to an active account for my niece. Shortly thereafter she informed me that her account had recently been hacked and the hacker immediately changed her contact data, and withdrew all of her funds. 

Venmo was unable to assist her because they claimed she could not confirm her identity since the hacker changed the email address and contact data on the account. Due to this she lost the funds tied to it. 

The hacker has left her account active, and the picture the same. However, she has no ability ( per Venmo ) to disable it as they claim she can not confirm her identity ( again due to the hack ). 

They told me the only way to retrieve my money was to have her account holder issue the refund. As you can see where this is going, she no longer has access to the account, and Venmo will not provide her with access. Therefore the money is in the hackers hands and contacting them is not possible. 

I have tried pursuing this with my bank as well ( XXXX XXXX ), however they just go off of the results of the company ( in this case Venmo ). 

I have tried pursuing this via the XXXX, Venmo, PayPal ( owns Venmo ) and XXXX. All avenues have resulted in the same run-around that without the hackers contact info and them refunding the money that the money is lost. 

I was under the impression that Venmo was a secure service but it would appear this is a major flaw in their protocols. I would say the same about XXXX XXXX. In this case the amount was {$60.00} but I fear what could have happened if the amount was larger. 

I hope you can help me resolve this and get the funds returned but at the very least I hope it triggers them to reevaluate their procedures to ensure a more secure process. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX .... Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXX Balance : {$33.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The debt has been sold to National Credit Adjusters. When I called to clear up the matter, they stated that the debt has been outsourced to another company. They gave me the number to call that other company. When I called there was no identifying information to let me know who this company was or that it was even a company. I hung up. I did not feel safe or secure giving my banking information to an unidentifiable company. I called National Credit Adjusters back. I wanted clarity on this matter. The lady that answered the phone did not ask me for identifiable information, however she gave me my information. Thank God it was me calling or someone else would have some of my personal information that should be protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, my brother who was visiting wanted to go see a XXXX XXXX game so we went to what we thought was a trusted source, XXXX XXXX ; where we came across XXXX XXXX. This person was selling electronic tickets that were in his possession and would have been transferred to us once payment was received. We negotiated a price for the tickets and exchanged Venmo information for the transaction. 
I sent the money through my Venmo account and should have received the electronic tickets through email within 10 minutes of completing the Venmo transaction. After another 15 minutes and still not receiving the electronic tickets, my brother went back to the XXXX page of XXXX XXXX and the profile was no longer available ( deleted ). After realizing I may have been scammed, I immediately contacted my bank and put a stop order to Venmo. 
I was later contacted via email by Venmo stating the payment to XXXX XXXX was not completed. A few days later I received another email via Venmo for the same transaction with a different name associated. I immediately called them to explain this situation was a scam and that i authorized a payment to XXXX XXXX although they paid XXXX XXXX. I was never notified by Venmo that the sender 's name was changed and now don't understand why I am being forced to complete this fraudulant transfer to someone else. 
On XX/XX/2023, a friend of mine sent me a Venmo for {$12.00} which Venmo then used towards the scam, that they are holding me responsible for, since I stopped the payment to them from my bank without my permission. 
Today, XX/XX/XXXX, my aunt mistakenly sent me {$25.00} for my birthday to the Venmo account. Yet again, without my permission applied that money towards the outstanding balance from the fraudulent transaction. 
I have supporting documentation and screen shots from each interaction. I also contacted Venmo via the customer service line to inform them on the situation on several occasions. On my last phone call, the person I was talking to ended it with " if you think you have a case, sue us ''.
Product: Credit card

We have a credit card that offered 0 % financing for 5 years on the purchase of a lawn mower. We have been paying our payments for 4 years and they claim they sent a letter in XX/XX/XXXX adjusting our minimum payment by rounding it to the nearest dollar ( XXXX cents ) we did not receive the letter and did not adjust our payment this resulted in XXXX late fees ( {$35.00} and {$25.00} ). We contacted the credit card company and they offered to refund XXXX of the late charges for {$35.00}. We still feel that both fees are unfair seeing that there is only a XXXX cent difference. in what we paid and what we " owed ''. We have paid the additional {$25.00} to keep our account current.
Product: Debt collection

I was originally contacted from XXXXXXXX XXXX XXXX  about a debt I owed for a XXXX XXXX credit card. Then I was contacted from Halstead financial management about the same debt account. I have tried to cancel payments with Halstead financial management because the debt owed is a higher amount that is owed. I do not know why two debt companies are trying to collect the same debt with two different owed amounts. I need to cancel all payments with Halstead financial management and continue with XXXX XXXX XXXX, but they will not remove the collection account with halstead financial
Product: Debt collection

Three months ago while looking at my credit report, I noticed that there was a collection account for XXXX put there by a company called XXXX. The next morning I called them, they claim to be collected for a company called United Guaranty XXXX Lien and they did not put that on my credit report since they are a non reporting collection agency. I never heard of that company before. I then reached out to United Guaranty XXXX Lien, they told me they were the issurance company for XXXX XXXX XXXX but they did not place this on my credit report. They said XXXX XXXX XXXX put in a claim and they paid it. Now, I had a mortgage with XXXX XXXX XXXX which they fraudutlently foreclosed on when they told me that I was going to get a loan modification. 
Neither United Guarantee nor XXXX is taking responsibility for adding that mark on my credit report. XXXX XXXX XXXX is asking me to pay them 22000 to settle, eventhough they told me that they did not report to XXXX, they are saying until I pay them the item will remain. After pressing the issue with them, they told me that it was XXXX XXXX XXXX who place the item on my credit report. The item does not say XXXX XXXX XXXX anywhere, yet I already have a foreclosure Mark for XXXX XXXX XXXX on my credit report.
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate and incomplete information XX/XX/2023 no data XX/XX/2023 no data XX/XX/2023 no data XXXX it's reporting charge off this is inaccurate Update to paid in full and never late Also this account was sold to XXXX company and paid on XX/XX/2023 Update or delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I requested via certified mail as well as through the Cfpb portal to verify this debt and provide documents verifying debt. The company never responded with documents or proof of debt the credit reporting agencys only verified debt without physical or digital verification of any signed contract that was requested on XXXX XXXX attached are the proof of violation, identifying documents, and request to remove and block this account. If this account is not removed for this violation I will be processing my demand letter, as well as lawsuit for violating federal law of 30 days to provide documents I formally requested. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PROCOLLECT , INC Account number XXXX This is the Violation you violated against federal law. I will proceed to file lawsuit if you do not remove this account 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).

( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
Product: Debt collection

I do not owe this debt. The description says the original creditor is XXXX and I currently have an account with XXXX so how do I owe them a debt. I have no knowledge of who Afni is and I do not have a contract with them.
Product: Credit reporting or other personal consumer reports

My information was included in a data breach please delete reported accounts, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Experian. Disputes were filed on numerous dates.
Product: Debt collection

Ive made multiple attempts to reach the agency. Despite my efforts, I have been unable to speak with a representative. And when I am able to reach a representative they say they have to call me back because something is wrong with the their service, never call back. Additionally, no calls have been returned in response to the voicemails I have left requesting assistance. 

This lack of response is preventing me from addressing the matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my divorce back in XXXX, my ex husband was ordered to pay the loan to XXXX XXXX. The bank modified the loan and made it a permanent 2 % fixed rate installment loan. This loan was sold from XXXX XXXX to Shell Point Mortgage Servicing. XXXX said he was not notified of the sale or where to send payments. He got his first statement in XXXX and made a payment in the beginning of XX/XX/XXXX. I wasn't contacted by Shell Point Mortgage until XXXX or XXXX making me aware of the fact that there was a past due amount on the loan and that the loan had been sold. I immediately contacted XXXX and let him know a payment needed to be paid and where to mail the payment. He never received a XXXX statement. I have attached documentation explaining all the issues. I know that when a loan is sold the consumer has certain rights. Shell Point Mortgage Servicing has issued two 60 late payments to my credit report which caused me to get denied on a loan application from XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

OnXX/XX/XXXX, fraudulent charge for {$25.00} was placed on AMEX Department Stores ( Macy 's ) store card that had never been activated and I received a call that a fraudulent charge had been made. Charge, however, was still processed and I was charged late fees and reported to credit bureaus for non-payment while the charge was in dispute.
After several calls to the company, requested paperwork filed with credit card company and investigation was completed. I received a letter dated XX/XX/XXXX that indicated that all charges and fees had been removed and credit bureaus had been notified to update my report.
More than 90 days later, late payment for XX/XX/XXXX still shows on all three Bureau reports. Repeated calls to the credit card company have failed as they claim they have updated the bureaus fully. Requests for further investigation from the credit bureaus have resulted in the account still showing the late payment for that month. All sides refuse to take any further action while this fraudulent activity is still impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am submitting this complaint to you to dispute many addresses, different variations, and spellings of my name of incorrect information that I found on this consumer report. Please remove wrong or fraudulent information. I have also included a police report and FTC Affidavit as I am and have been the victim of Identity theft