23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My mom 's storage unit was broken into back in XXXX  and she had a file cabinet that had all of our birth certificates, ss cards and other personal documents that could not be found when we were notified of the deft. This has been preventing me from being able to move out on my own. I have tried disputing numerous times but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may be concerned : Re. Loan number : # XXXX On XX/XX/2020 I called Lexus XXXX  Customer Service Department because I notice that THEY report a 30 day late payment on my credit reports. 
When I always make my payments on time. The agent told that XX/XX/XXXX payment was not received on time. I explain to her that I made a payment on XX/XX/XXXX approximately at XXXX using the lexus XXXX payment portal online. I added a new checking account ending in XXXX and then I proceed to submit the payment for XXXX. 
Apparently that payment never go through their system, but I notice that on XXXX when I was trying to make the XX/XX/XXXX payment. Because on an error of their online portal system the payment never was receive and I get hurt my credit score going down 112 points. 

Im really frustrated because I never have failed Lexus XXXX my payments. The agent just told me on the phone to write this letter disputing that the late payment was incorrectly reported. I demanded an investigation on their online system that date, I now that I submitted that payment. 

Im courteously requesting to update my credit report to no late payments, because its currently hurting my score and is costing me a lot of money. Also because it wasnt my fault. 

As today my account is up to date and current with them. I asked them sending a letter by fax on XX/XX/XXXX XXXX then I received and response that they are not going to investigate furthermore because they think that i missed a payment. 

Thanks for your prompt attention to this important matter, XXXX XXXX XXXX Loan number : # XXXX
Product: Credit card or prepaid card

I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MTR with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, and XX/XX/XXXX.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 shall not furnish 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: Payday loan, title loan, or personal loan

i had bought some appliances from Conn 's in XX/XX/2020 and when I received my payment book the amount was twice what it should have been. When I contacted them I was told that extended warranties and life insurance was added to my account. I contacted them and asked that they remove it and was told to contact their warranty department. I contacted them inXX/XX/2020, told them I wanted it removed and I dint recall asking for the additions. The representative told me it would be removed in a couple days. When I called back on XX/XX/20 I was told it had been removed but, my balance didn't change.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, EXPERIAN ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT
Product: Debt collection

Toyota financial reprocessed my company car and then posted it on my credit report even though they sold the car already and its still showing the full amount due on my credit report which its illegal. This was a purchased car for my company and they had no problem putting this on my personal credit report with wrong information since they sold it already. This is owed by a business not my personal credit. They sold the vehicle and didn't send me money or any of the reverse payments that they showed in the transaction history. They didn't even inform me that they were going to sell the vehicle to give me a chance to buy it back as required by law! No communication was done nor was I provided a notice of repossession when they took my vehicle. My credit report is still showing I owe them close the XXXX dollars when that is not the case on my personal credit report when this was a business vehicle with XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit collections company seized funds in my bank account without any notice. Funds that have been awarded to me from personal injury settlement, workers compensation settlement, XXXX insurance payments and unemployment benefits payments have been seized. I have not received notices about this debt however if it is legitimate then statute of limitations has passed so legally they shouldnt be able to put a levy on my bank account. Total amount that has been levied is {$6200.00}, which is needed for me to keep a roof over my children and for everyday necessities. These funds should be exempt from. Enforcement of judgment.
Product: Debt collection

I am filing a complaint as XXXX XXXX XXXX have not sent me proff of my obligation of the alleged debt as requested and continue to report to the 3 major credit bureau. XXXX XXXX has continued to ignore my request for validation and ignore my consumer rights. In their response that they verified the item as accurate but has failed to send me a copy of the documents used to verify the disputed account. Account # XXXX sent certified letters on XX/XX/2017 and XX/XX/2017
Product: Student loan

My student loan was transferred to XXXX XXXX when the XXXX took it all over. I 've paid it the day after I received the statement. I pay more than the minimum which always makes me several months ahead on my due date ( see attachments ). I have a fixed rate of 3.75 ( see attachments ). I 've never been late, every year I pay down the premium by $ XXXX {$5000.00}. Yet, according to the XXXX form IRS form shows that I paid {$46.00} more in XXXX than I paid in XXXX even though the principal was on average {$4000.00} less that year. I always paid early, never late, more than the minimum, fixed 3.75 % and they took more fees in interest in XXXX than XXXX ( see attached ). I have all my receipts. I 've called at least a dozen times. I 've been left of hold for up to 40 minutes at a time, hung up on, disconnected and churned. The last time I spoke to XXXX XXXX Navient was in XXXX XXXX, the supervisor I spoke to said that she could see why I had paid more in XXXX. She said it had to do with " Algorithms. '' When I pressed her, she said that she would send it up stairs for review and someone would get back to me. Four months later, I 've heard from no one.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed my consumer report and noticed an adverse item being furnished by Diversified Adjustment for an alleged debt owed in the amount of {$1100.00}. As of XX/XX/XXXX, diversified Adjustment had been notified of ; the misleading, inaccurate information, my right to refuse to pay such alleged debt and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

Diversified Adjustment can not furnish this alleged debt to a consumer reporting agency before first contacting the consumer. I Never received any initial notice and communication or ANY correspondence or communication in regards to such alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Pursuant to 1006.38 Diversified Adjustment must cease collection of the debt until Diversified Adjustment sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Diversified Adjustment is a furnisher under the Fair Credit Reporting Act. by law at the time of Diversified Adjustment being notified at the address specified in Exhibit ( ) of the inaccurate information they are furnishing, Diversified Adjustment shall have cease the furnishing of any information to the consumer reporting agency Pursuant to 15 USC 1681S-2 ( a ) ( 1 ) ( ( B ) ( i ).

It has been well over 30 days and Diversified Adjustment has failed to comply and respond to such notice and correspondence. Diversified Adjustment has failed to Diversified Adjustment has strict liability and must comply with all statutes and regulations set forth. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, Diversified Adjustment can and will be held Civil liability due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Proof of Claim
Product: Checking or savings account

THIS BANK is a RIP OFF! on XXXX XXXX I opened an Acct. w/WELL FARGO with a BONUS of {$250.00} after 60 days or 2mos, spending {$10.00} per mo. I spoke to Mr. XXXX XXXX the BANKs AGENT and he said give it a bit of TIME, I waited 30 days went BACK to Mr.XXXX, and he said wait a bit LONGER, 30 days later I went BACK to mr. XXXX he CALLED??? the MAIN OFFICE and told ME they, the MAIN OFFICE WOULD be in TOUCH, I recieved a letter STATING theyere aware of the MATTER and WOULD ADVISE, 30 days later I WENT BACK to Mr.XXXX  HE AGAIN CALLED the MAIN OFFICE they ASSURED HIM that THEY WERE on IT, I KEPT WRITING and CALLING and THEY WELLs FARGO kept STRINGING ME ALONG for SIX or SEVEN MONTHS, that is WHEN I DECIDED to START a CIVIl CASE AGAINST WELLs FARGO BANK, I HAVE ALL THE PAPERS, PRIMARILY A VALID CONTRACT FOR THE BONUS DEAL, they OWE ME TODAY {$1000.00} ACCUMILATED COSTS TOTAL as of TODAY, TOMORROW is ANOTHER COST!!!
Product: Checking or savings account

My account was suspended on XXXX XXXX because the company said I could have violated the terms and conditions from when I signed up. I sent the documentation that was requested, a copy of my Identification, social security card, and a proof of a bill with my address. I was told it would take 24-48 hours for a response from the department about my account if it would be reopened or if it would be closed and a check would be mailed to me. After sending the information I still have not hear from the bank I have emailed them several time and called and they are still stating that the account is under review. I have {$1300.00} in my savings account and around {$120.00} in my checking account with them that I can not access
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card lowered my credit limit because XXXX reported delinquent payments on 2 credit cards, which were not mine but had been taken out in my name. 
A XXXX  XXXX XXXX XXXX and XXXX Credit Card XXXX 

I contacted XXXX XXXX XXXX and they are closing the fraudulent account. I have not yet contacted XXXX. 

I disputed this with XXXX but did not get a response by the date they said I would, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America inquiries are not mine bank states that they had a problem with me before this is not true this is nit my inquiry
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from XXXX XXXX XXXX/RESURGENT CAPITAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX  XXXX/RESURGENT CAPITAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX  XXXX ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  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 without my written instructions.
Product: Mortgage

I was in a payment arrangement with my mortgage company that ended XX/XX/year>. My XXXX mortgage payment was posted to my mortgage account on XX/XX/XXXX. On XX/XX/XXXX someone left a door knock on my front door. When I left the house on the XXXX at XXXX I saw the door knock. When I thought about it someone had knocked on my door between XXXX for about XXXX minutes on the XXXX. This door knock is from XXXX Mortgage which seems to be working with XXXX XXXX which services my XXXX Mortgage. I called the number on the door knock XXXX XXXX but was on hold for XXXX minutes and then disconnected, XXXX XXXX XXXX is on XXXX and was now open I then called them at XXXX. The XXXX that answered my call advised me that they have the right to come to my property any time they want to confirm I live there and I asked is that why they came without an appointment or phone call? This XXXX could not tell me why they came to my home. How and why am I expected to open my door to a complete stranger??? I have not received any calls from my mortgage company nor has any mail been returned, but they are going to send someone to my home. Is XXXX Mortgage the strong arm of XXXX? Why all of a sudden are people being sent to my home? Was it because I did not pay my XXXX mortgage until XX/XX/XXXX? What other XXXX customers that were in arrears as of XX/XX/XXXX had a door knock with or without an appointment? What are the zip codes of those in arrears because this seems like another form of relining. This is bullying and intimidation. What was this person knocking on my door going to say if I had opened it?? I don't know many single women or people in general who answer the door to a random door knock when they are not expecting someone.? As of today, no one from the mortgage company has called to explain why they came to my home.
Product: Student loan

Thousands of students were scammed by XXXX and Sallie Mae into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As a matter of fact, all of these schools I went to were investigated by Department of Education and found guilty!! Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my Fed. loans of approximately {$80000.00} were discharged and my credit repaired. My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. I am aware that XXXX and Sallie Mae was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie MaeXXXX were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXXSallie Mae , but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't XXXXSallie Mae also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXXSallie Mae have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXXSallie Mae been sued at least a half dozen times for other predatory loan practices and illegal collection practices? I am also aware of a " pilot '' program by which XXXXSallie Mae is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXXSallie Mae knows who we are. Under the FTC " Holder Rule '' XXXXSallie Mae is liable for giving predatory loans in connection with online for-profit schools. Time is running out for XXXXsallie Mae to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXXSallie Mae do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! My private loans are impacting my ability to purchase a home and this needs to change. Please authorize private loan discharge for my just shy of {$12000.00} loan.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Checking or savings account

When I log into my account this message shows : " Your account is restricted. You are not able to access this account online. Please contact a Banker at XXXX to change your account status ''. 

In XXXX/XXXX, I was told the restriction was put on my account due to my attempt to transfer an unavailable amount of funds to an external bank account in XXXX, but I could request to have the restriction lifted. I was told a request would be submitted to the " back office '' for review and it would take 2-3 days, but I could still make deposits to my account. Therefore, I began having portions of my paycheck direct deposited into the account ... without issue. 

On XX/XX/XXXX, I received a message from my HR department that a deposit was returned. I called Synchrony. Neither operator I spoke with, including a supervisor, could tell me why this deposit was returned nor why the restriction was still on my account. They stated they would have to submit another request, again to the " back office '', to lift the restriction and it would take 2-3 days. I stated I would prefer to just close my account, due to the extremely poor communication and results, and have a check sent to me. I was told I could not close my account until the restriction was lifted. After waiting, again 2-3 days for the " back office '' to process my request, there is still a restriction on my account and I can not access my funds through the ATM.
Product: Checking or savings account

On Friday XX/XX/2022 I received a direct deposit of XXXX of that {$570.00} was supposed to be auto sent to a secured credit account I have with chime the money never made it into the credit account and never came back into my checking account I transferred a total of {$2200.00} into my credit account and {$570.00} is still missing chime bank refuses to give me an answer and says that I received the funds a customer service representative did the math and agreed I had money missing and I have put in multiple escalations and the company hasnt responded besides to say I cant dispute the transaction and the money is there but it is not reflecting on my side and customer service keeps bouncing my calls and telling me the same thing that nothing they can do
Product: Credit reporting or other personal consumer reports

This is a formal complaint against XXXX  Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : * Debt Collector : XXXX Account # XXXX Nature of Complaint : XXXX. Lack of XXXX XXXX : XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt XXXX to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 

XXXX. No Contract or Business Relationship : I have never engaged in any business with XXXX  Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

XXXX. Inaccurate Reporting : The account information reported by XXXX Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

XXXX. Unauthorized Credit Report Entry : XXXX  Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt.