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

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late twice.
Product: Checking or savings account

Over the weekend, XX/XX/XXXX - XX/XX/XXXX, I received an alert when attempting to log into my XXXX account. The alert said that the online account had been locked due to fraudulent account access and that I would need to call in to unlock the account. I called in over the weekend and spoke to customer service. They informed my the department that could unlock the account wouldn't be open until Monday. So, I called back Monday morning and got the account unlocked. Fast forward to XX/XX/XXXX and the account gets locked again with the same fraud message to call in. So, I call in and get the account updated and unlocked. The gentlemen informed me that he needed to get me over to the credit card fraud department as there was a flag on the account. That department informed me that a large amount of rewards points were transferred out of my accounts and also gift cards were redeemed. So, the submitted a fraud claim to get that resolved. At that point we got with customer service and further reviewed the account to find out that someone gained online access to my account from XX/XX/XXXX - XX/XX/XXXX. The fraudster updated the email address in the profile to maintain access of the account. Further investigation with the Chase Customer Protection Group revealed that the fraudsters made multiple attempts to access the account on the 16th and finally called in to Chase customer service to answer some generic security questions. After that call was made, the fraudster gained access to the online account. They then proceeded to update two of my existing ACH vendor payee accounts with their bank account and routing information. Then they sent out three fraudulent ACH payments that appear to be going to legitimate vendors but in reality the money was sent to the fraudster 's bank account. These ACH payments total {$13000.00}. In addition, they transferred out over XXXX rewards points and made gift card redemptions online. I have called and spoken with numerous people in the Chase claims department, but they don't seem to be talking to their other departments and putting the puzzle pieces together like I have described above. I was just informed that the pending claim was going through to be denied. Ultimately, Chase 's Customer Protection Group agrees that the account was compromised by and individual whom they gave access to via a fraudulent phone call to customer service. Yet their claims department is denying any fraud occurred and denying the ACH claims. I haven't even been given a straight answer if XXXX has reached out the the bank the funds were sent to to try and get the stolen money back. The bank name, routing number and account number are all shown in the ACH transactions.
Product: Debt collection

I received a letter from Cedars Business Services LLC, XXXX : XXXX, on XX/XX/XXXX. This is on behalf of XXXX XXXX XXXX ( Account number XXXX ) to collect a debt of {$2400.00}. I contacted XXXX XXXX ( XXXX XXXX ) and spoke with XXXX on XX/XX/XXXX. She told me that an account was opened using my name and social security number in XX/XX/XXXX. The service location was registered to a New York Address ( XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The person on record for method of payment was registered to " XXXX, XXXX XXXX '', who claimed to be my wife. I have lived in XXXX, Texas since XX/XX/XXXX, and I do not know a person by the name of " XXXX, XXXX XXXX  ''. I am a victim of identity theft, and someone has fraudulently opened the account with XXXX XXXX using my personal information without my knowledge or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX Estimated ) No results for the dispute. The 3 accounts on there have been removed from XXXX and XXXX. Asked to verify 100 percent accuracy record contains multiple inaccuracies, and terms being correct. And contacted the bureau and do not have my dispute. Dispute number XXXX
Product: Debt collection

Wilmington savings fund Society and XXXX XXXX XXXX XXXX filed a lawsuit in XXXX XXXX court that seems to be dated back to XXXX of Last year. They stated that I owed this debt, but I had no clue who these people are, and they have stolen my identity and had access to my private information. I have not given them permissible purposes to use my information. I have never spoken to anyone or authorized or had an agreement with Wilmington Savings or XXXX XXXX XXXX. They hired a law firm that goes against the fair debt collections act and is a false representation. Attorneys are XXXX XXXX XXXX located in XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding this account 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. This account has 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! 

1. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Reporting on : Equifax XXXX  XXXX
Product: Debt collection

I owed XXXX for a bill that I did n't know that I had. Southwest collection Agency contacted me I called XXXX. I never received a bill from XXXX, once XXXX understood that there was an error and never got the bill they allowed me to pay them. Southwest could call my home phone being nasty, and then my cell ordering me to pay. After I had inform them that I had taken care of this bill with XXXX. I informed Southwest Collection Agency and gave them proof of the conversation with XXXX and that XXXX stated that they would not be listed on my credit report. Southwest refuses to remove themselves from my credit report. I asked nicely and was told " No, we will continue to report and remain on your credit report for seven year. Even after XXXX informed me and I informed them that XXXX stated that they should not be listed on mt credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

All of the above listed items.I have XXXX to paypal over the past 12 mos to close my account and they autodrafted my checking acct at the time wo my consent randomly and willy nilly wo notice.This is wire fraud. When I confronted them repeatedly they kept throwing XXXX and automation in my face. I have served this company multiple times and they olny want to discuss in thier online email chat and over the phone-where a lawyer cant reach them.I have demanded they put responce in writing and they continue to throw mud in my face.THEY ARE NOT A BANK. They have no authority to EXTORT people for money, and yet they repeatedly do so. I have 5 pages of thier XXXX.I demanded account closure and here I am getting hit w extortion again. Ive notified XXXX XXXX and XXXX about the incident. paypal continues to autobill me and prevent me from using XXXX. This one-sided extortionist company needs to be put to bed. Consumers need options instead of corporate conglomerates. XXXX, XXXX, etc. are available and XXXX as well should allow customers to use them. THEY DO NOT. EVERYTHING GOES THRU PAYPAL.
Product: Student loan

My complaint concerns how MOHELA has classified the administrative forbearance in my account for three relevant months. In short, I have already reached 120 qualified payments for Public Student Loan Forgiveness ( PSLF ). My employer certification is pending with Federal Student Aid ( FSA ), but there are several issues that need to be resolved ASAP on Mohelas end, but they refuse to help by sending me back to FSA when the issue is on their end.

By the correct count, my final qualifying payment should have been XX/XX/XXXX, getting me to 120 qualifying payments. At issue with MOHELA is how it has classified two separate periods of forbearance. 

XXXX. XXXX and XX/XX/XXXX : Both these months should be listed as having a PROCESSING Forbearance that counts for PSLF, not an administrative forbearance that does not count. Since late XX/XX/XXXX, per Federal Student Aid 's guidance, I requested to be moved from SAVE ( which is currently paused and payments do not count for PSLF ) to IBR ( where payments do count for PSLF. Per FSA guidance, student loan providers that are unable to process the application for a payment swap must place borrowers in a 60 day processing forbearance, which FSA will count as qualified payments for forbearance. So, XXXX and XX/XX/XXXX should be listed as processing forbearance. 

As a last resort, if XXXX and XX/XX/XXXX do not count for whatever reason, then per Federal Student Aid guidance issued on XX/XX/XXXX, I submitted an electronic application to swap from SAVE to IBR on XX/XX/XXXX. While my application is being processed, Mohela should place. XXXX on a 60 day forbearance that should have XXXX and XX/XX/XXXX count for my XXXX qualified payments. Again, this is only last resort because per XXXX  guidance, and as a result of my repeated request to MOHELA since late XX/XX/XXXX to switch from SAVE to IBR ( see attached requests and responses ), and their confirmation on XX/XX/XXXX that my request was being processed, XXXX and XX/XX/XXXX should count as qualified payment months while I was placed on a processing forbearance 2. XX/XX/XXXX : Mohela inexplicably lists this month as being on administrative forbearance, that does not count for PSLF. However, I was pm forbearance during this period at the fault of my former loan provider while they swapped my loan payments plans. This month should also be listed as under a processing forbearance that counts for PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX ], [ Bank XXXX XXXX XXXX [ Bank Zipcode ] DELETE LATE PAYMENT NOTICETo Whom It May Concern : I am writing in regards to the above-referenced account. I demand the following account be deleted from my consumer report.I am disputing the reporting of this account with my consumer reporting agencies, as this account was reported incorrectly. The reporting of this account is in violation of 15 USC 1681 b. The law CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this on my credit report? Furthermore, the reporting of this account is also a violation of the Fair Credit Reporting Act of 1970 15 USC 1681e [ b ] [ 1 ] [ A ] : ( b ) Compliance and procedures ( 6 ) RESTRICTIONS ON MEDICAL INFORMATION.In the case of any medical information or medical history of a consumer, no consumer reporting agency may report that information or history in a consumer report if the date of access of the information or history by the consumer reporting agency, or by any person to whom the consumer reporting agency has given access to the report, exceeds 365 days.The reporting of this medical collection clearly violates the above law.I did not give you or your company written instructions to furnish this medical collection on my consumer report.Delete this account from my consumer report and send me a copy of the deletion request once completed to my address listed above.Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The beginning and current balaces due for XXXX XXXX XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 without written instructions
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its

reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 4 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

Please delete the follow inaccurate names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete the following invalid telephone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 

EQUIFAX, XXXX, and XXXX have in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a great deal of injuries. Furthermore, I am filing this consumer complaint and consumer check for compliance with these items that you are reporting under FACTA Title 1 sec. 151.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I made a {$99.00} withdrawal transaction to my bank checking account from my COINZOOM account.The company instead made a {$99.00} deposit to my COINZOOM account from my bank checking account. 
Then on XX/XX/2022 I was charged {$100.00} for an ACH reversed fee when my bank was told of the situation and communicated with COINZOOM for them to correct the {$99.00} withdrawal, to a deposit instead to my bank checking account. 
I checked the rules and did not find this abusive {$100.00} exorbitant fee COINZOOM has charged me, as this is abuse of the customer. thanks for your help.
Product: Vehicle loan or lease

Additional Complaint Regarding Unauthorized Charges by Toyota Financial Services & Toyota Motor Credit Corporation. 

Complaint Details : This is an additional complaint regarding Toyota Financial Services, referencing my prior complaint filed under XXXX After receiving and reviewing my Retail Installment Sale Contract ( RISC ), I discovered that Toyota Financial Services has been unlawfully charging interest based on a daily per diem that is not disclosed anywhere in the contract, including the Truth in Lending section. 

In my previous complaint, I addressed the overcharges caused by this daily per diem. However, I have now confirmed that the daily per diem itself was never authorized in the contract. This means that all interest charged to my account since the beginning of the loan is inaccurate, unauthorized, and unlawful. 

By failing to disclose this key term, Toyota Financial Services violated the Truth in Lending Act ( TILA ), rendering the contract void and invalidating all interest charged.
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION IN EXPERIAN, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.Code 1666b- if the creditor fail to provide documentary evidence violates the requirements of 15 U.S.Code 1637 ( XXXX ) ( XXXX ) ( A ) and the creditor can not report late payments.