23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX from late XX/XX/XXXX had to be paid. 
I never got the bill as it was from XXXX XXXX and I left the country less than XXXX weeks later. 
I didn't find it in my mail until this month and I paid it - {$23.00}. 
I got a letter from Linebarger Goggla Blair and Sampson LLP stating that I had to pay on XXXX XX/XX/XXXX to the tune of {$110.00}, which is more than XXXX the amount of the actual cost of the toll. 
This is not the first time this firm has sent me a letter stating that I needed to pay for a late toll bill. But every time, they are trying to get more money out of me than the toll actually is.

Since this is a violation of the Fair Debt Collection Practices Act, I think am I am entitled for them to pay me up to {$1000.00} or more for trying to collect fees over and above what I actually owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get another vehicle and upon arriving was informed that according to all three major credit bureau nothing has been reported for the last 13 months of me having the car I spoke to the bank and they said they will correct it and blamed it on a XXXX XXXX XXXX  shutdown when infact it should have been being reported since XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX, CO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a copy of an FTC affidavit of identity theft and a police report to all   XXXX   bureaus. By law they must block the information from my credit reports. To date,  XXXX  complied but Equifax has only deleted on account not blocked the information they were required to and I can not tell on   XXXX   if it has been blocked or not.
Product: Debt collection

I will like the original contract that I sign that state I will pay and also I need the address associate with this debt.
Product: Credit reporting or other personal consumer reports

I have an item on my credit report from a debt buyer, XXXX XXXX XXXX, listed for {$1400.00}. However, both documents from the original creditor, XXXX Bank, and XXXX 's own account statement show the actual balance as {$1300.00}. I disputed the account with all three credit bureaus. 

XXXX eventually removed the account from my report, but it took multiple disputes and a phone call to get it resolved. My dispute with XXXX is still processing, but today I received the final results from TransUnion. According to their report, theyve verified the accuracy of the amount, which is surprising since I submitted documentation clearly showing the reported balance is incorrect. 

Its frustrating because it feels like these companies arent thoroughly reviewing the evidence provided during disputes. I'm not sure how they " verify '' accounts, but its clear they aren't using the documents I submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to U.S.C 1681 Section 602 I have The right to privacy 15 US Code 5 Section 1681b : Permissible purposes of consumer reports U.S.C 1681 Section 602 The right to privacy 15 US Code 5 Section 1681b : Permissible purposes of consumer reports Experian keeps on updating the fraudulent accounts on my credit report after I have asked them numerous of times to delete those fraudulent accounts. At this time I would like be compensated {$1000.00} per violation for them violating my rights. XXXX does not have me in their system as customer. They told me they dont have a date these alleged accounts were opened nor can they provide me a balance. They told me they told me they will be investigating, and deleting these fraudulent accounts, but less than a week after I submitted my dispute, I have already heard back from Experian claiming to have updated the accounts. Disputes take up to 30 days. A proper investigation can not be completed in less than 7 days. This is what I have been dealing with with Experian. This is racism, and notl only I would like {$1000.00} per violation, also I would like {>= $1,000,000} for pain and suffering. I have been stressed and unable to get housing, a good job, and get funding for my business. I truly believe I am being targeted by Experian, and I would like this settle in court since they are refusing to delete these fraudulent accounts. Once again I never signed any contracts with XXXX bank nor have I done any business with the entity to have them reporting on my credit file. I am seeking a lawsuit. I have reached out to my lawyer, and they will be receiving a court soon. The accounts I am referring to are below : XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hello To Whom It May Concern, Thank you for reading my case. So more than a year ago ( XX/XX/2023 ), I made a purchase at my Ashley Furniture Store over at XXXX, CA. I decided to get the purchase financed as it was over {$3000.00}. I financed the purchase through Synchrony bank and was making monthly payments. I was told that the monthly payments would be amortized over the course of a year at 0 % and would be paid in full if I made the minimum payment. Little did I know that the payments wasn't enough to to pay it down completely after a year since they now have tacked on an astronomical amount of interest where the balance has exceeded the initial balance when I first financed it. Additionally, my statements all include the full amount with no breakout of the principal and interest charges, which is very deceptive. So, I just want to make sure that I'm not being duped into paying excessively more for something. I have made numerous calls to Synchrony bank to have this resolved however their lines are always busy and they have me on hold for as long as an hour, so I gave up on trying to contact them. I was wondering if you could please help look into this and have Synchrony bank be more transparent with what I'm paying. Thank you very much for your help. 

Kind Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : WORLD OMNI FINANCIAL, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : THE BUREAUS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
Product: Credit card

First dispute : Opened XXXX. I requested refund of {$7000.00} and submitted evidence. I told them there will be three transactions of {$7000.00} showing on XXXX. First is the purchase, second is the refund, THIRD is another purchase ALL ON THE SAME DAY. I had customer service representatives even make notes to say that I am disputing the SECOND PURCHASE. They closed this dispute saying I received my refund on XXXX. EVEN THOUGH I CLEARLY STATED THE ABOVE. 

Second dispute : Opened XXXX. I reiterated that I am disputing second charge of {$7000.00}. I again submitted evidence. They ended up AGAIN closing the dispute on XXXX saying I received refund on XXXX. Merchant didn't even submit any evidence. Now I have opened third dispute on XXXX.
Product: Vehicle loan or lease

This is a longstanding Issue. See my old CFPB complaints for more details. 

Santander consumer has informed me that XXXX ) they purchased XXXX XXXX XXXX. They've informed me that XXXX ) they have confirmed that I paid off the loan from XXXX XXXX XXXX. They've confirmed with me that XXXX ) they have received the form XXXX that I mailed to them. They've informed me that XXXX ) they had no affiliation with XXXX XXXX XXXX. This is a company that they purchased. Their bank, santander, bought XXXX XXXX. They literally bought the bank that they claim they have no affiliation with. In their response to me they stated XXXX ) so we recommend you contact your local XXXX office in an attempt to receive a duplicate copy of your vehicle title. Additionally, as they stated in their original response, they stated that XXXX XXXX released the title to me, but that they are not able to acess the records to show that I paid off this vehicle. The reality of this is that they confirm they are aware that I paid off this loan. They also ignore my original complaint that I never received the title in the first place, hence my ongoing complaints with santander. 

I have been able to finally contact the Nevada XXXX. There are several forms the nevada XXXX needs me to fill out. But in order to fill out the forms the Nevada XXXX needs, I first need Santander to notarize and sign form XXXX that I mailed to them. Just to reiterate in my complaints, they've confirmed that they received this form, and yet have still not notarized this form. The Nevada XXXX has informed me that nothing can proceed until they receive a notarized copy of form XXXX. I can not proceed with anything from the Nevada XXXX until this derelict and negligent company signs a lien release form. 

I paid off this car in XX/XX/year>, and I am still unable to access my title. I'm unable to register the car. I'm unable to sell the car. This is the definition of a large corporation harming consumers. I want to just have my title, so that I can sell the car. This company is harming consumers. PLEASE DO SOMETHING!
Product: Debt collection

My name is XXXX XXXX I have received a mail from a Company that called : RentDebt Automated collections that located in XXXX XXXX XXXX XXXX, TN XXXX. 
The company have have asking me to pay off amount of {$1700.00} XXXX for a statement date XX/XX/XXXX that they've thought I owe to the listed creditor. 
The debt collector company have disrespectfully had a several attempt to contact me by phone in an unreasonable hrs from an unknown numbers. 
This debt collector company is deliberately searching for my personal information and data such as SSN, Bank account, credit cards number, addresses and contacts etc. 
I HEREBY DECLARE THAT I HAVE LEFT THE STATE OF FLORIDA AND CREDITOR 'S PROPERTY WHO THEY HAVE TRYING TO COLLECT DEBT FOR. AT THE DATE XX/XX/XXXX AND ARRIVED IN XXXX, SC AT THIS DATE! I HAVE A COPY OF THE LAST RECEIPT OF THE FULL PAYMENT THAT I HAVE MADE FOR XX/XX/XXXX BEFORE I LEAVE THE PROPERTY BY THE END OF THE MONTH XX/XX/XXXX. ALSO I DO NOT HAVE ANY AGREEMENT WITH THE DEBT AND I HAVEN'T GIVE ANY PERMEATION TO THE DEBT COLLECTION TO HAVE MY NON PUBLIC INFORMATION. 
THIS LETTER CONTAINS : 1. Copy of the mail that collectors have sent to me. 
2. Copy of the receipt that proofs the full paid amount rent for the last month XX/XX/XXXX before leaving the property 3. Copy of my auto insurance policy issue date that proofs I am in the state of South Carolina. 
I've submitted this letter as a complaint to CFPB and humbly asking for a protection against RentDebt Automated Collection who are in process of impacting my life, I also need a protection on my personal data that been breached by XXXX XXXX  XXXX, such as SSN, Bank, Credit Cards etc. In order to cause a potential problems, also I need a protection on my personal information from being forwarded or sold to any other company by RentDebt Collector. 
I understand that personal privacy, data and information of any individual who are living on the land of XXXX XXXX of America are a human rights matter, I understand that I am under such protection against any corporation/ organization who have trying to cause threats, fear, stress or potentially a negative impact to resident of XXXX XXXX or practice any bias algorithm or cause lose of confidentiality. 

Sincerely XXXX, XXXX
Product: Money transfer, virtual currency, or money service

BinanceUS took {$1300.00} from my account then blocked withdrawal/transfers. They did this without explanation. 
I have deposited fiat and transferred cryptos many times with them, and this is the first time they took fiat from my account without authorization and blocked access to withdrawals/ transfers. 

On XX/XX/XXXX, I made an ACH deposit of {$1000.00} to BinanceUS. Those are immediately credited to my account, but it did not for some reason. The money cleared my bank but was not credited to the balance on BinanceUS. I immediately submitted a ticket. Essentially, their support staff told me to relink my bank account or re-verify my bank account. The latter made no sense, and I worried it could create a new set of problems as verification is a multiday procedure. I explained that, and they put me in the queue and said not to submit more tickets. However, different issues arose. 

Two days later, {$350.00} disappeared from my account. There was no transaction history, and BinanceUS did not explain. Before this happened, I wanted to withdraw the remaining fiat and transfer my cryptos but received a notification that my withdrawals were locked due to security risk. 

As it stands, binanceUS has total control of my cryptos and has taken {$1300.00} from my account without explanation. 

Attached are our communication and screenshots showing the deposit to binanceUS cleared. Also showing {$350.00} in the account, which disappeared without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding LLC, violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. I disputed this account with the credit bureaus and they stated that they verified that my information is correct. After doing further research on my credit report I see an inaccuracy that should have been correct if the account was verified correctly. Midland Funding LLC, reported to XXXX that the date opened was XX/XX/XXXX. XXXX and XXXX date opened was reported on XX/XX/XXXX. Midland Funding LLC, reported to XXXX that this account is 120 days late and last active on XX/XX/XXXX. It was also reported to XXXX the last active date was XX/XX/XXXX. It was reported to XXXX the date last active was XX/XX/XXXX. From my understanding of the law EVERYTHING has to be correct and the same across the board ALL credit bureaus and if my account was verified correctly as they stated then this information should be accurate. Also, they failed to do their due diligence when my account was verified to make sure that everything is accurate across all the credit bureaus. If there are different dates for anything then how is the information considered as accurate and the account verified? In the letter presented to me it was stated that the account was opened on XX/XX/XXXX. But it was reported to XXXX and XXXX that the account was opened on XX/XX/XXXX, how is that accurate? Thats 27 days before you stated that you opened the account? That is again against the FDCPA. Thats completely wrong and against my consumer rights. If the account was verified correctly then this would have been caught and noted as an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. My dispute number is XXXX
Product: Credit reporting or other personal consumer reports

To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank You
Product: Student loan

In XX/XX/XXXX, my student loans were transferred to XXXX XXXX as part of the Public Student Loan Forgiveness Program. Within a month I contacted XXXX XXXX XXXX to inquire about how many more payments I have until I reach 120 payments ( and the 10 year service requirement ). The servicer said they needed 90 days to calculate my payments. After 90 days, I called again and was told they needed another 90 days to figure out my account because it seemed there was a consolidation error and all of my loans weren't counting towards my payoff. I asked who made this error and they blamed XXXX XXXX, my servicer in XX/XX/XXXX. They said XXXX XXXX was no longer in business so there was nothing I could do to address their error. 

I finally received a letter listing all of my qualifying payment details and the documentation said that most of my loans only had 6 or less  qualifying payments and that two loans had 14 qualifying payments so far. I have been working in public service full time since XX/XX/XXXX. I consolidated my loans in XX/XX/XXXX and I got on Income Based Repayment ( a qualifying plan for PSLF ) in XX/XX/XXXX ( according to XXXX XXXX ). I have made 73 payments from XX/XX/XXXX to present day and have always paid the exact amount my servicer requested ( which is set each year when I recertify and stays the same amount for 12 months ). In other words, I have consistently paid the amount the servicer ( s )  told me to pay. However, now XXXX XXXX is saying that most of my loan payments don't qualify because my monthly payments didn't cover all of my loans each month and that I may have been late on payments. Aside from a few forbearances, I have NEVER been late on a loan payment. The money is directly debited from my account on the same day every month. And there is no reason for my monthly payment to not cover all of my loans unless the servicer ( s ) made an error. I have NEVER received documentation stating that my payments were short or that they weren't covering what was due monthly. This is incredibly upsetting. I have only worked in public service for these 7 years to take advantage of this program. I am sick to my stomach in thinking that I have been signing over close to {$1000.00} a month ( now {$1000.00} ) for years and there may be no return on the investment of my time, energy, and dreams. I could have done a million other things with my career and youth, that would have brought me joy but instead I took the responsible route professionally, made payments regularly, all to have XXXX XXXX XXXX   tell me I won't be done with my payments until XX/XX/XXXX and XX/XX/XXXX to qualify. This is infuriating. 

BTW, when I called XXXX  XXXX XXXX today they said it will take another 90 days to get me a document that explains exactly what went wrong with my 73 payments. So that means I will have been asking for them to resolve this for almost a year with no clear explanations. That is unacceptable. 


XXXX XXXX Supervisor : XXXX # XXXX