23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Had Gym membership with XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Financial ) from XXXX till XXXX. Always have paid in full ( for the entire year ) using Credit Card with explicit understanding that no account information will be carried over or no automatic renewals will be made. Never had issues before. 
Last payment was on XX/XX/XXXX ( paid in full for a year - {$120.00} using credit card ) with end date XX/XX/XXXX, XXXX again with the agreement that membership will be terminated at XX/XX/XXXX. 
Got an email from Aldous & Associates PLLC ( Debt Collections Agency ) on XX/XX/XXXX stating that I owe {$130.00} due to " missed payments '' and was sent to collections. 
Went to XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX to inquire and was directed to XXXX XXXX XXXX ( XXXX ) to cancel the account / erroneous charges. 
XXXX XXXX XXXX still have my Account info on file, however, informed me that they're unable to cancel my account/ charges due to having sent to Debt Collections without informing or notifying me. It is highly unethical to try to charge after my gym membership ( for which I had prepaid ) ended on XX/XX/XXXX. And, it is highly unethical of XXXX XXXX XXXX to send my info to Debt Collections trying to ruin my credit.
Product: Debt collection

I entered a consumer credit transaction with this corporation and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. Not only did Wells Fargo take cash in this consumer credit transaction, they took a down payment, they didn't include my car insurance in the finance charge and I never received my right to recession nor the material disclosure. Pursuant to federal law they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt and they have apparently charge off my account. I called them and asked them to explain my car payments, because pursuant to 15 usc 1605 the Finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number, and I've paid well over the finance charge ). Instead of providing me with the information I asked for they responded with a transaction history. They have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope that's alleging I owe a debt, they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me. I hereby rescind the consumer credit transaction granting any security interest to Wells Fargo Auto.
Product: Vehicle loan or lease

On my drive from Virginia to a job interview in Florida my car was repossessed in Georgia where I stopped to sleep. Toyota Financial Services never sent me a letter of demand or plan to sell property before repossession. They never notified me that they issued an order to repossess my car. My car was grabbed on XX/XX/2021 and the person who took it did not notify the police or sheriff which is against the law. Toyota agent told the police that they did not issue the order for repossession on XX/XX/2021 and its in the police report. Toyota informed the police that they received my full payment and a prepayment for XXXX and that the loan is reinstated. I borrowed money from a friend and paid {$2300.00} in full and Toyota accepted it the morning of XX/XX/2021, then 4 days later on XX/XX/2021, I called them for any letter in writing and they emailed me a notice of a plan to sell the property if I don't pay over {$12000.00} by XX/XX/2021 with no reinstatement rights. Toyota gave me the phone number to XXXX XXXX XXXX for any questions about my property inside the car or whereabouts of the car.
Product: Vehicle loan or lease

Over the course of my loan since 2023, I have paid more than my monthly payment every month. I was told additional payments would go towards my principal but they never have been. Every time I reach out, they have another excuse. I was then told that Truist Bank has been applying my extra payment to 'future interest ''? It does not make sense to me how they explain it and it is a false narrative. How do you apply extra payments to future interest? My principal balance is not affected by my extra payments and strangely enough the monthly payment amount is different and my balance goes up? They refuse to apply extra mailed payments to the principal balance despite me requesting it. I have never had this issue with any other institution. They ignore my requests. Now they say that I have to go in person to one of their locations and request extra payment be applied to principal but only in person. Now they say that they will apply extra payments to my principal but ONLY if I give them access to my checking account and allow them to take money out directly from my account, they can apply extra payments to principal but do not explain how that will happen and when I refuse to give Truist access to my outside banking accounts, they say they can not help me. They continue to take my extra payments and my balance goes up? I want to file a complaint and have this institutions practices investigated.
Product: Debt collection

After an overnight Hospital Stay, there was a disagreement between my insurance company and the providing hospital. As I worked with my insurance company, correspondence from the hospital stopped and I assumed the issue was resolved. There have been a series of phone calls ( I have 3 recordings on my machine ). The calls were very obtuse, never noting who they were, who the creditor was, it was only threats of further action. The calls sounded like a scam especially seeing that I have no outstanding debt that I was aware of. I have never received any documentation from Benuck & Rainey until I saw the hits on my Credit report. I did send my contact info to their web site on XX/XX/XXXX and I am still waiting for a response. I
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern over the past year i have reached out to XXXX XXXX XXXX account # XXXX in regards to furnishing inaccurate information on my consumer report. I also have sent them certified mail on mulitple occasions supporting my claim that this was not in fact my account i was recently released from the XXXXXXXX XXXX XXXX XXXXXXXX of 2021 and have submitted all the necessary documents to support that claim to prove i did not or have any knowlegement of this open account being i was incarcerated at the time of this being open. I submitted documentation that shows XXXX XXXX XXXX to be in violation of according to the Consumer Law & The Fair Credit Reporting Act, 15 U.S.C. 1681. All I ask is for this company acknowledge the violation and correct it before additional steps are taken. They have recently furnished information attaching an employee name on my consumer report which is in violation as well I am demanding this company remove this account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY. UNDER 15 USC 1681. 
XXXXXXXX XXXX XXXX  : ACCOUNT NUMBERXXXX, XXXXXXXX XXXX XXXX : ACCOUNT NUMBER.XXXX, XXXXXXXX XXXX XXXX  ACCOUNT NUMBER. XXXX, XXXX XXXX BANKRUPTCY DISMISSED, 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. SECTION ( 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 SHILL NOT FURNIST 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # 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 my 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 consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 
remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX XXXX XXXX account # XXXX  XXXX XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud
Product: Debt collection

I had a debt with Wells Fargo for a credit card I owed on. I attempted to settle and negotiate but could not come up with the funds at that time. Once I could, I attempted to contact Wells Fargo but they said it was sent to a debt collector. I had funds to settle what they offered, however they refused. XXXX XXXX XXXX was retained by Wells Fargo and I had no idea. Supposedly, they attempted to contact me but NEVER left messages nor did they notify me who they were and what they were doing. I finally found out and contacted XXXX XXXX XXXXXXXX. They refused to negotiate. I retained XXXX XXXX of XXXX XXXX in NJ. He made some headway via emails. They asked what my expenses were in late XXXX. I gave them to XXXX and he sent them to XXXX XXXX  XXXX. He has not heard anything and they refuse to communicate with my attorney since then. 

I have made the best attempt to work with this law firm, yet they fail to do the same.
Product: Vehicle loan or lease

on XX/XX/2019 my car was totaled in an accident but it was still drivable after I put new axel tire & rim the insurance didn't pay the clam after 3 months the loan company said I would have 2 keep making the payments witch I did 4 about a year XXXX never paid the clam the car was leaking inside when it rained so I stopped paying on a totaled car then they repossessed it now I have a repo on my credit the car was only worth a few XXXX dollars very weird practice in my eyes so I got XXXX by XXXX & c.p.s.
Product: Debt collection

I have contacted Hunter Warfield on several occassions and requested that they validate this debt. I also do not have a contract with them. They refuse to do so. Hunter Warfield continues to report false information to the credit bureaus XXXX, XXXX, and XXXX illegally.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw inquiries I did not recognize or authorize. I am requesting the inquiries be removed from my XXXX, XXXX, and XXXX XXXX XXXX.
Product: Debt collection

I was notified of a collections account that was added to my credit report. Upon opening the app, I saw that Debt Recovery Solutions had placed an {$800.00} collections balance on my credit for a supposed payday loan from 2018. 

I was completely unaware of this debt. I have moved a couple times, and each time, I have proof that I submitted a proper change of address form and mail forwarding form. I never received any written notice of this debt, nor did I ever have a chance to dispute it. 

Immediately upon learning of this debt, I called DRS and disputed it verbally over the phone, fearing that I have been the victim of identity theft. I gave them my new address, which they now have sent me documentation claiming it validates the debt. The documentation has the incorrect address and phone number on it. It also has my last name listed as " XXXX, '' which I have never identified myself in this manner. 

Had I been notified of this debt, I would have disputed it and dealt with it prior to it being reporter to my credit. This is unprofessional and unfair business practices.
Product: Student loan

Issues as follows : 1.After applying for IDR plan, told to print out application and mail to address not listed on site. XXXX. Contacted customer service through studentaid.gov, told to email application and submit through loan servicer. Email provided was incorrect. XXXX. Applied to IDR plan to make sure they have my application before my loan repayments start and was told I couldn't apply because my loans weren't due yet. Yes, I know they're not due, that's why I'm applying ahead of time to give me a margin of error that seems to infest student loan servicers, but can't.
Product: Credit reporting

I previously submitted a complaint on XXXX/XXXX/16 using CFPB and received a response on XXXX/XXXX/16 stating what I 've copied and pasted below from their original response ... However After pulling my report the following items are still showing that they claim they deleted : Inquiry for XXXX Card on XXXX/XXXX/16 Inquiry for XXXX XXXX/XXXX/16 There 's also XXXX other XXXX inquiries that I was n't able to dispute due to the dispute form not allowing me to add more entries. 

XXXX * " TransUnion said : Explanation of closure In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit XXXX for frequently asked questions about your credit report. '' * " Relief We received your complaint about the fraudulent items in your credit report, and apologize for any difficulty you may have experienced. All items identified in your complaint have been deleted. '' * " Response We have reviewed your complaint along with the information you previously provided regarding this issue. However, after reviewing the activity on your file, along with the information in our data base, we have deleted disputed items. ''
Product: Checking or savings account

My phone was lost on XX/XX/23 on a XXXX ride to my home. I had not report the phone lost in the hopes of the phone being returned to me. Instead what happened was the person who found my phone possibly this XXXX XXXX somehow got into my phone and started sending money from my bank of america app on my phone to herself. She added herself to my XXXX contacts and sent XXXX dollars to herself and then sent XXXX dollars to herself. I saw this happening in real time from my house and I immediately changed my passwords to everything and locked my card to prevent this person from stealing anymore money from my account. Bank of America has denied my claim because they said the device use to send the money is consistent with transactions seen in the past. However, I have never sent any money of that high of an amount to anybody ever in my entire time with Bank of America. Also the fact that the contact was added so quickly and money sent right away to this person should be seen as suspicious as well.
Product: Debt collection

After diligently trying to keep up my credit score, I check my experian credit report and saw a new Debt Collecfion agency, CREDENCE RESOURCE MANA on my report stating that I owe them {$630.00}. This is incorrect therefore I sent a formal letter that this claim is disputed. I have no knowledge of this debt. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this debt collection agency.
Product: Student loan

I spoke with Pennsylvania Higher Education Assistance Agency ( MyFedLoan ) on XX/XX/XXXX regarding accidental payment of my deceased son 's PLUS loan balances after his death. I asked if those mistaken payments could be applied to other outstanding loans through MyFedLoan. I was told they could not. I asked if I could receive a refund. I was told I could not. 

My son died on XX/XX/XXXX. Total amount of payments made since that date, which paid off the loans in full, was {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

1

5 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 sta
tes a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I am a credit card customer of Elan Financial. I requested an online increase to my credit limit and the online process did not at any point provide a disclosure that a credit inquiry would be pulled. Had a disclosure asking for my authorization been provided, i would not have consented to a credit inquiry. I called customer service to dispute the inquiry as the proper disclosures were not provided, a customer service representative and his supervisor eventually realized that I was correct and at no point in the process had a disclosure been provided as it they admit it should have been. The representative and his supervisor advised me to write a letter to dispute the inquiry and include the information that we had talked about and the inquiry would be removed from my credit report. I sent the letter as advised and included all pertinent information, including the fact that the disclosure authorizing a credit inquiry were not provided and that the representative and supervisor had verified this. Over a month later I received a reply that they had investigated the situation and would not remove the inquiry because " the promotion offer only included credit limit increase request of {$4500.00} or less ''. I had not received a promotional offer and no where in my letter had i referenced a promotional offer, XXXX had completely ignored the fact that a credit inquiry was never disclosed and I never approved of an inquiry. I called customer service again to escalate the matter and spoke with a supervisor regarding the letter. The supervisor was not helpful at all and would not listen to any of my concerns regarding the lack of disclosures provided by the company. The supervisor repeatedly said that he could not do anything else and that XXXX is required by law to provide a disclosure if a credit inquiry were to be performed and he did not care at all that I repeatedly told him that a disclosure was not provided. The supervisor was rude and showed a total lack of care of the subject. According to the supervisor, XXXX was required by law to disclosure if a credit inquiry were to occur and he should have been more concerned with the fact that the company is not following what they admit to be the law. I received a call from a manager in customer service the next day and she continued to say that XXXX is required to provide the disclosure during the increase process and that it is provided on the website. When I asked her to tell me where on the website the disclosure is she was unable to provide that information. I told her that was not an acceptable solution and she said she would have to get back to me.
Product: Prepaid card

I have two gift cards. One for {$100.00} and one for {$750.00}. These are American express E gift cards. When I first began using the gift cards I was able to shop anywhere that took American express ( as advertised ). Then the card stopped working, I called customer service and they informed me the card was active and still had over {$750.00} on it and I should keep trying. I couldn't use the card at XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or even the local store. Even places that once accepted the card no longer work it is showing up as declined. I have called customer service back and I just get transferred until they hang up on me. Its a scam and they robbed me out of hundreds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is a general one after dealing with TransUnion and XXXX  today XXXX XX/XX/XXXX XXXX to remove a security freeze. I was eventually able to speak with someone in customer service with each company but only after a long and frustrating effort to get into their website. Even though I temporarily removed a freeze in XX/XX/XXXX until XX/XX/XXXX, the sites at both companies did not recognize my information including my social security number, birthdate etc. This makes me wonder if they intentionally make the process so difficult and time consuming that consumers decide not use the temporary freeze option, which is what I chose to do not wanting to go through this again. Is it possible that there is some advantage to the companies in having accounts that arent frozen? I think these companies are ripe for some anti-trust enforcement and hope under the new administration that will happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$29000.00} ; XXXX  XXXX Balance : {$15000.00} ; XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00}.