23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent out numerous disputes to XXXX and ARS - Advanced Resolution Services about this Bankruptcy on my credit file. I also sent them the letter from the United States Bankruptcy Court included attached to this complaint to your company.
Product: Credit card or prepaid card

On the XXXX XXXX credit file Sam club show XXXX account open on XXXX XXXX/2011 for the balance of {$1.00} ( 2 ) times and another one for {$2300.00} ( 2 ) times i contacted them previous time about the issues they never fixed all my my XXXX credit score not reported accurate by same club that cause me to get a credit card
Product: Debt collection

I was a former tenant of XXXX XXXX, an apartment complex located in XXXX Arkansas but owned and operated by XXXX XXXX based in XXXX Missouri, and I vacated the complex in XX/XX/2021 after XXXX XXXX illegally prevented me from vacating in XX/XX/2021, in breach of the lease contract. As part of the contract there is a special provisions clause known as Section 10 which which supersede any conflicting provisions of the Lease Contract and in part states the following : " All 30 day notices will take effect on the first day the month for which it is issued '', as I wanted to vacate I approached the complex manager in XXXX to inform him of my decision, however the manager refused to give me the proper paperwork in order for me to leave saying that I have to give him 30 days notice, however according the the special provisions, its clearly stated that any 30 day notice would take effect on the first day of the month of the issued notice, therefore any notice after the first of XXXX would start on the first of XXXX and the manager therefore was given 30 days notice. After vacating the complex XXXX XXXX engaged in a campaign of harassment by unlawfully disclosing my personal information to debt collectors named XXXX XXXX based in XXXX, Florida, claiming that I owed XXXX XXXX XXXX for an termination fee, I responded by filing a complaint with the XXXX and pointing out not only the above mentioned, but also the fact that I paid XXXX in XXXX and XXXX of XXXX for rent and the termination fee, but XXXX XXXX falsely attributed the payment in XXXX to rent. In the course of the XXXX investigation XXXX XXXX admitted that they " could not backdate any notices, '' i.e. breached the contract. I wish to also point out that if they could not backdate any notices, then what was the purpose of the special provision I invoked and how else was it to be used. The investigation was then concluded as answered without much progress after that. XXXX XXXX continued to harass me even after disputing the debt, furthermore they not only failed to provide verification of the debt, they failed to provide a statement stating that unless the consumer, that within thirty days after receipt of the notice, disputes the validity of the debt or any portion thereof, the debt will be assumed valid by the collector, as well as falsely representing the legal status and amount of the so-called debt.
Product: Vehicle loan or lease

I have a lease with Toyota Financial and my account was on auto payments and on XX/XX/XXXX through XX/XX/XXXX 4 months my account never auto paid because of an error and I got late payments on my credit report. according to my credit report, I got 5 months of late payments and Toyota never got in touch with me to let me know. This account has been paid every other month and is closed now fully paid and they still will not fix this error on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you Informing you that transunion, XXXX and XXXX is reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy court of Virginia which is false i have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify validate any information concerning bankruptcies transunion, XXXX, XXXX is falsely stating this information on credit report. 
I also did not give them any informationin nor permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a 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 with out my written instruction.
Product: Student loan

I have almost XXXX dollars in private student loans serviced through servicer AES and lender XXXX. I make {$15.00} an hour currently. The standard payment they wanted me to pay was around {$860.00} a month. I can not afford that monthly payment indefinitely so I applied for their modified repayment plan XX/XX/XXXX. They wanted my XXXX most recent pay stubs so I sent them to them. I receive some correspondence some 10 business days later that they need my pay stubs again. I begrudgingly sent them more pay stubs and awaited a reply that was made ever longer by the holidays taking away business days from the month. I called a few times in between then and now to see what the deal was and was basically given the run around. XX/XX/XXXX I was told that we were just waiting on XXXX to approve or deny my application so I waited. In the meantime I had to pay the standard payment of XXXX and did so by borrowing money from my family. I have done this for the months of XX/XX/XXXX, XX/XX/XXXX, and what will now soon be XX/XX/XXXX. How many more months will I have to keep this up? I called again at the beginning of XXXX and was told that the application was only just sent to XXXX on XXXX XXXX XXXX. Previously, I was told that XXXX had already received my application. That was clearly either an outright lie or a skillful misdirection. I just have no hope for this process. Applying for IBR for my federal loans was a piece of cake and quick. At least my federal loan servicer ( XXXX XXXX ) applied a forbearance on my account while the application was in process. I went to the University of XXXX in XXXX.
Product: Checking or savings account

Chime Bank abruptly closed my checking account yesterday with no explanation and without giving me a chance to withdraw my funds which totalled {$5700.00}. I can not access my account any more. Access has been blocked. They won't even talk to me. I want my hard-earned money. They are stealing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.I have an account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with Experian, XXXX, and XXXX on XX/XX/2021. The account is from XXXX Bank and it is not mine as I have been a victim of identity theft. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent my FTC identity theft report, my police report, my drivers license, my social security card, a letter detailing my identity theft and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a charge-off of {$7400.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this account however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. This account is up-to-date and should not be reporting any derogatory information on my credit report. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I'm small business owner, i call citi bank because my debit card stop working, after verification process they trying to connect me with fraud department and asking me for phone number to call back in case call get disconnected, after maybe 15 min i received call from fraud department and they ask me to disconnect previous phone call, so we continue with verification message and once i provide code i receive they asked about 2 transactions and did i try to connect my debit card to apple valet what i actually try to do 3-4 days ago, after that they saying they will block my card and to not log in to my acc for 24-48hr. 
That get very suspicious and i log in at same moment and realize wire transfer for amount of {$48.00}, i call bank again and report unauthorized wire transfer, bank start investigation and basically telling me they can not do anything but to fallow up periodically because investigation can take up to 90 days
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX  someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/year>XXXX XXXX
Product: Debt collection

Credit Acceptance called me XX/XX/XXXX first called started little after XXXX mind you this is a sunday, I told them it was a XXXX  i am ill stop calling me dont call on a XXXX  any way the calls kept up till around XXXX a total of XXXX calls few XXXX left also I paid XXXX of my auto payment on the XXXX .. they were calling to aggervate me me over the other XXXX payment .. my payments are XXXX a month XXXX was charged XXXX for a XXXX car that has nothing but problems they refuse to change my payment date, just bs about payment schedule and charges late fees I was running a XXXX fever friday night got very XXXX.. I told them its XXXX  don't call me on a XXXX  ( recorded ) and they kept it up all the way till XXXX XXXX  XXXX  over XXXX calls... I am done with this company and there tatics.. I managed to get on line to make the XXXX payment which over XXXX my account to stop the calls .. thia is unfair the way I was treated by all the non sense phone calls..
Product: Debt collection

Resurgent Capital Services has been attempting to collect on an alleged debt that has already been paid for due to a consumer credit transaction that took place with XXXX XXXX XXXX XXXX XXXX. I am a Federally Protected Consumer and Resurgent Capital Services has violated me in many ways. Resurgent Capital Services is a third-party debt collector. I never gave Resurgent Capital Services written or oral permission to have my information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). Resurgent Capital Services has furnished information on my consumer report without my knowledge and permission pursuant 15 USC 1692c ( a ). Resurgent Capital Services can not state that such consumer owes a debt 15 USC 1692b ( 2 ). I mailed Resurgent Capital Services a debt validation along with a cease and desist, ( 2 ) Affidavit of Truths in regards to their Violations. I received no valid response. Please see the attached
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

BOA is requiring approximately 3 times the amounts due for escrow. Please provide a copy of any relevant regulation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, XXXX XXXXXXXX ] ( Write to each relevant credit reporting agency, XXXX at a time : ) XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ RE XXXX Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. [ This/These ] item ( s ) [ identify item ( s ) disputed by name of the source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ] [ is/are ] [ inaccurate or incomplete ] because [ describe what is inaccurate or incomplete about each item, and why ]. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. [ If applicable : Enclosed are copies of [ describe any enclosed documentation, such as payment records, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. Sincerely, [ XXXX XXXX ] Enclosures : [ List what you are enclosing ] Proof of identity : [ a copy of my drivers license/other government-issued identification card/other
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on WILLIAMS AND FUDGE I ( Original creditor : XXXX UNIVERSITY ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Mortgage Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXg 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 XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Account was previously in foreclosure. Brought out of foreclosure to XXXX balance. Invoice for new period includes amounts already paid.
Product: Vehicle loan or lease

I was the co-buyer on a XXXX XXXX purchased on XX/XX/XXXX from Santander Consumer USA. I had a high interest rate of XXXX the truck was financed for {$29000.00} and I put down {$3500.00}. And was to pay {$640.00} a month for 72 months. Totaling {$50000.00} if paid in full. I believe my application was manipulated and an internal score was used instead of my credit score because there was never an inquiry on my credit report from Santander which I find very strange. I paid {$160.00} weekly for 14 months straight with no late payments. The buyer then decided to take the vehicle from me in XX/XX/XXXX for her own selfish reasons and fell delinquent on the account I tried countless times to resolve this matter with Santander, but they wouldnt allow me to do anything on the account. They allow the buyer to keep the vehicle for a whole year without making any payments and also allowed her to get an extension without my consent. The vehicle was finally repoed in XX/XX/XXXX and auctioned off leaving a balance of {$4500.00} of which they say I owe and I dont think its fair to me as a consumer to have to pay this amount.
Product: Debt collection

I was referred to XXXX Debt relief program by XXXX debt relief program in XX/XX/XXXX. I was told I needed to go through the services with XXXX Debt relief program to get the debt relief loan and payoff my bills ( I did not want to enroll with XXXX, since I was already with another debt relief company XXXX and they were doing a great job, but the attachment Life.accept.let lead me to believe I qualified for their loan relief program ). I was introduced to the owner XXXX XXXX XXXX, he informed me that once I make consecutive payments that in XX/XX/XXXX, I would be eligible for the loan. I was informed in XXXX of XXXX they were going to attempt to settle some debts I had, and this would make the loan easier to obtain. I sent them notices from creditors seeking payment and they never responded to the creditors. On XX/XX/XXXX I sent a letter with my concerns of nothing being done with my account and promises made, and no balance in my account ( see attached ). On XX/XX/XXXX I responded with another email on no contact from XXXX  and why my Smart account had no balance showing in it, after all the payments I had made. I called and emailed with no response ( the answering service would take your number but no one would respond, see attached ). On XX/XX/XXXX I reached out again with no response, so I wrote and emailed my cancellation for the program on XX/XX/XXXX ( attached CDS XXXX ), with no response from XXXX  Debt Relief or XXXX XXXX XXXX I sent the letter certified mail through the United States Postal Service ( XXXX ) ( the letter was returned, unable to deliver after XXXX attempts, attached XXXX XXXX XXXX XXXX  XXXX ). I have also emailed the withdrawal forms to XXXX and they are just ignored ( XXXX XXXX XXXX XXXX XXXX ). 
I have sent complaints to the XXXX ( # XXXX XX/XX/XXXX, # XXXX XX/XX/XXXX ) and the Federal Trade Commission ( # XXXX XX/XX/XXXX, # XXXX XX/XX/XXXX ). 
Now XXXX years later XXXX Debt Relief has hired XXXX XXXX attempting to extort more money from me. Claiming I owe them XXXX {$680.00} dollars and if I don't pay, they will ruin my credit. I have paid off the debt XXXX  was supposed to resolve and never received a refund. They swindled {$5900.00} from me and now are attempting to extort more money from myself and I'm sure others ( see their BBB review ). 
I did not have the money to take XXXX Debt Relief to court. I have resolved my credit issues and XXXX XXXX XXXX is attempting to take advantage of this and swindle more money from myself and others. 
If you can guide me to a solution to bring some justice for myself and others, I would greatly appreciate it. 

Thank you, XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX somberly stole my card and used it at a XXXX XXXX I just noticed I was wondering why my credit card was over drafted They spent XXXX $ on XX/XX/year> I would like to report this as fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was financed through Capital One Auto Finance and in XX/XX/XXXX, following a car accident, was determined to be a total loss and my auto insurance issued payment to Capital One in XX/XX/XXXX. After the total loss payment had been made I still had a remaining balance on my loan. My account access was removed from online payment and automated payments because it was no longer an active account, so each month I had to contact customer service to make payment. My last payment was to be made on Saturday, XX/XX/XXXX. I called both customer service lines and both lines stated Capital One offices are closed and disconnected. I checked the web page to see if their offices were closed and seen nothing posted other than their business days and hours listed ; this includes Saturdays. I was finally able to submit my payment on XX/XX/XXXX, paying off my account and receiving my title. Mid XX/XX/XXXX, I received an email alert from XXXX stating there was a deragatory remark made to my credit report. When checking XXXX I seen that Capital One had reported my account as a charge off. I called Capital One customer service and explained that I had attempted twice to make payment on the XXXX and called both customer service lines in order to do so before their prompt stated the offices were closed and disconnecting. I had also contacted XXXX precious to calling Capital One on the XXXX and had no issue with speaking with them and making a payment, so I had no reason to believe or expect this to be a holiday. The rep stated that I had until the XXXX to make payment and I hadnt until the XXXX so the remark would likely not be removed. I then asked to file a dispute and for a way to submit my supporting documents. After being given a fax number that wasnt a working fax line, I used the fax line number listed on the Capital One web page. I received a letter stating that the remark would remain and payment was made after the payment date. I then mailed in my supporting docs and dispute information. I again received a letter stating the remark would not be removed. I had made several payments on saturdays previous to this and the rep would not answer if the office was closed on the XXXX. I had no other way of making my payment and yet I was being reported as a deragatory account when all efforts were made to pay off the account in time.