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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : Chapter XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

Toyota Financial Services erroneously ( perhaps fraudulently ) issued both my wife and me IRS XXXX XXXX claiming excess wear and tear on leased vehicles. These were issued erroneously because, for a debt discharge to occur, the amount of the obligation owed must not be open to any real dispute as to whether or not it 's actually owed. These are and always have been vigorously disputed and never documented. 

Additional pertinent facts : 1. These charges were repeatedly disputed under the Texas Fair Debt Collection Practices Act. We were never provided any photographs or repair bills supporting their claim. 
2. Toyota periodically reassigned our accounts to different collection agencies. Each time we asserted our rights under the TFDCPA they ceased collection activity without providing the requested documentation. 
3. Toyota 's own website includes numerous examples of excess wear and tear, none of which were on our vehicles. ( My wife and I are XXXX+ year old XXXX 's and these are XXXX Toyota Camrys. We are not exactly hard on cars. ) 4. The dealership inspected and accepted our vehicles upon return. The charges were " surprise bills '' that came later, with no opportunity to further inspect or effect repairs on our own. 
5. Finally and perhaps most importantly, this is internally generated revenue to Toyota. They choose an amount, and once the vehicle is beyond the customer 's control, send the bill. They simply have not documented that they incurred any actual repair cost. Debt discharge can only exist if, and to the extent that, the lender has taken an actual cash loss. 

In summary, these XXXX forms were issued for losses that can not be documented. In talking with several of the collection agencies assigned to these accounts, it appears that Toyota regularly tacks on these additional charges as yield enhancers and this is a common practice for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with Shellpoint Mortgage company.

Shellpoint is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.
Product: Checking or savings account

So basically my bill payment & invoice transfer was voided out and the funds was suppose to return to my Bank of America account and it still havent
Product: Credit reporting, credit repair services, or other personal consumer reports

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a Barclays credit card in the last 6 months. So Barclays Inquiry on XX/XX/2022 is not resulting from my personal action.
Product: Bank account or service

I deposited XXXX $ to wrong person of Wells Fargo bank account holder as a cash.Next day i called to the bank and asked to make a hold on it or reverse my wrong deposit made to the account holder with the original transaction receipt but bank responded me as they cant able to reverse it. 

Please help me to get my money back since it is huge amount. 

NOTE : i made wrong deposit because of fake person asked me to do for part time job offer.
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

I had a Business loan and I got sick in XX/XX/XXXX and tried to make reduced payments and Capital One didnt want to so they filed a lawsuit and we went to court. I told the judge I knew I owed the money and they didnt want to make arrangements for lower payments due to Ill ess so it was bankruptcy or lower payment arrangements and they agreed to lower payment arrangements. I made all the payments and paid the final payment in XX/XX/XXXX and Capital One ever filed the Release of Lien that I paid of the judgment and now they or their lawyer dont want to file it. I have called XXXX and talked with XXXX, XXXX and XXXX at a call center. They can only relay messages to other departments. You never get call backs from these departments or follow ups, no addresses, phone numbers, e-mail addresses. You cant get anywhere past these three people. You are at a dead end with Capital One. Internet only has XXXX. XXXX XXXX XXXX is it a payment center or call center only? You get no where. Its a dead end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

I have been attempting to apply for a credit card since XXXX, XX/XX/year>. I was able to very quickly and expeditiously unfreeze my credit and update my account and cell phone information with XXXX and XXXX. However, Experian 's system is a complete mess. The online login is useless as it does not recognize my changed passwords. Moreover, when i attempt to find another attempt to login, it does not recognize my birth date and social security. It provides a message that those two items do not match ( which is completely incorrect ). I am able to receive partial text messages to my new phone number but not when I am attempting to unlock my account. 

Experian provides NO customer service agent at all to help resolve this problem. The automatic, guided phone service is completely useless and goes through a loop of no resolution. 

Experian appears to provide no way of clearly and effectively communicating with a live customer service individual to correct and resolve issues. This lack of service affects individuals personal and financial lives. This is the worst customer service I have ever experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 15 U.S Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S Code 1681c ( a ) ( 5 ) : 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 antecedent the report by more than seven years.

15 U.S Code 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: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report the account XXXX XXXX XXXX XXXX incorrectly. The consumer agencies do not have access to my private financial records so there is no lawful way they verified these late payments. Remove these payment immediately or I will sue and ask that you place the financial records into evidence for my inspection.
Product: Credit card or prepaid card

I have a credit card with American Express ( The XXXX XXXX American Express Card ) On XX/XX/XXXX, I made a {$23000.00} payment against an outstanding balance of {$24000.00}. On XX/XX/XXXX, I visited the American Express online portal https : //XXXX to verify receipt of my payment and to check the total outstanding balance. The site showed a {$1500.00} Total balance that included charges included {$1000.00} posted since XX/XX/XXXX. Those charges checked out. However, a pop-up linked revealed additional information, to wit : " A plan has been created with Plan-It on this account. The balance will adjust as plan payments become due. View Plans. '' I did create a " Plan-it '' plan back on XX/XX/XXXX. The " Plan '' was to select and group ten purchases and pay one flat charge over a period of ( 24 ) months for {$110.00} on a {$2200.00} grouping of charges. 

Problem 1. {$480.00} out of my {$1500.00} balance as of XX/XX/XXXX, is residual " unpaid interest '' from the created plan that American Express solicits and offers its customers. Purportedly, to better manage high unpaid outstanding balance. American Express claims it would save the customer interest over a period of time. However, American Express, as a " banking subsidiary, '' does not disclose the actual ( APR ) interest rate on its " Plan-it '' program. 

Problem 2. When a customer pays on a single credit card account. He/She is paying toward the total outstanding balance, which includes, principal plus, interest. Question : Then why can American Express arbitrarily determine which is principal, and what is interest, if a customer decides to pay off or significantly reduce his/her total balance, and thereby eliminating aggregate interest charges before the " 24-month Plan-it '' term ends. What is the savings here?

Problem 3. As a customer in good standing, I am uncertain whether I actually benefited from making the " Plan-it '' offer that was solicited to me.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

My TD bank in XXXX is blocking any cryptocurrency purchases. 

Previously, it would block any purchase from a website called XXXX. I would have to call in and have the website unblocked to make a purchase. Then the block would be immediately put back on. 

Now, they've gone a step further. Now they are saying it's not even getting to their banking system. And that they can't unblock it because its not even getting to them. The purchase on XXXX says " declined by your bank ''. 

The first representative i spoke with from TD bank on XX/XX/18 told me they have a new " blanket ban '' on all cryptocurrency. The manager i spoke to immediately after claimed they are not purposefully blocking anything. But after claiming that they don't know why it wasn't showing up, they made no effort to try to resolve the problem. You think a bank manager would want to know or solve a problem with a non-working purchase. It seems this would be a big problem or technical issue that their technology or security team would want to know about. But no help whatsoever. 

I would like to resolve this block or sue TD bank. Thank you.
Product: Credit reporting or other personal consumer reports

Ive sent in more than 2 times. I have reached out to the the cfpb twice to rectify the problem and help with a solution. Please if possible to get this faulty information off my credit report. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Per violation of the FDCPA, which stipulates that I am entitled to {$1000.00}, they have manifestly infringed upon my legal rights. 

I hereby request that this organization remove this account from all XXXX  credit reporting agencies and provide compensation for the infractions. Failure to do so will force me to escalate this matter to my XXXX  attorney, who has informed me that the absence of a " consumer disputes '' entry on my credit report constitutes a breach under which I may file a lawsuit against them.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been contacting them for months to get into my bank account. They have refused to contact back I have money in my account that I can't get into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has violated my federally protected rights. 
I reached out to Bankruptcy court regarding if they furnished the bankruptcy to Lexis Nexis they responded they did not, the letter is attached.. 
I sent Lexis Nexis a handwritten letter around XX/XX/2022 exercising my federal rights and they have failed to respond. 
Lexis Nexis did not have a Permissible Purpose, and bankruptcies shall be excluded per the FAIR CREDIT REPORTING ACT. 
I HAVE NOT GIVING WRITTEN INSTRUCTION TO FURNISH THIS INFORMATION NOR HAVE I GIVING AUTHORIZED USE OF MY INFORMATION TO LEXIS NEXIS. REMOVE THIS INFORMATION TO PREVENT FURTHER INJURIES.
Product: Debt collection

Credit account was not made by me. The account is fraud. They will not delete and keep trying to collect the debt. After I provided the police report of the fraud.
Product: Credit reporting or other personal consumer reports

A representative from Catalyst Mortgage Company TN lender ID XXXX, sent a text message notifying me that they knew my credit report had been pulled. I have not conducted or solicited any business with this organization. This was an unsolicited message to attempt to get me to apply for a mortgage with their company.

How did they acquire access to my credit report without my consent?

How were they alerted that I had applied with another group?
Product: Credit card or prepaid card

I recently entered into a transaction to buy a home inspection and was charged a cash advance fee and interest for the transaction. Chase is changing the definition of " cash like transactions '' such that as a consumer, it is difficult to discern what will be a cash advance at the time of the transaction, and if we will be charged a fee and interest at the time of sale. These " cash like purchase '' will include buying cryptocurrency or peer to peer transfers using commonly used applications like XXXX ; where at the time of purchase, the consumer will not know they are entering into a cash advance. I've reached out to Chase to try to block all future cash advances in the future so that I will not get unexpected charges, and they do not have the ability to do so. I am forced into a situation where whenever I use my credit card to purchase something, I am unsure if it will be considered a " cash like transaction '' and be charges an inordinate amount of fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the inquiries listed on my Equifax credit report are fraudulent. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

My account has been blocked, no one in customer service can see any information about this this amount in question, Im unable to speak to anyone about providing proof of this transaction, because its blocked. The payment they are requesting are from cancelled orders, that has yet to be corrected, I placed this order on XXXX, XX/XX/year> for {$320.00} part of this order was cancelled the new amount was {$110.00} I returned one of the items in this order for about {$22.00} no refund was issue the second order in question original was {$96.00} part of this order was also cancelled new amount was {$45.00}, TRS has informed me that they need to collect {$320.00}, {$110.00}, {$96.00}, {$45.00} for these items that has been cancelled XXXX, attempted to take all this payment for items I dont have Im not sure if these amount that I actually owed, has been taken out of my account, I did stop payment on these items that were cancelled
Product: Credit reporting or other personal consumer reports

I was not aware that my account would be 30 days late in XX/XX/XXXX. Oneblinc marked my account as delinquent when I made payments consistently. They are trying to say that I was not caught up when I asked them ok I caught up on my payments. They marked me as 30 days late in XX/XX/XXXX, which affected my credit score. On top of the account was closed leaving me as 30 days past due. I paid off my loan in XXXX and its still showing as 30 days past due? This is not right its XX/XX/XXXXXXXX  and my account still saying 30 days past due when the account is paid in full and no balance. Its not making any sense. I talk to XXXX XXXX from one Blinc who told me my account would be current in XXXX. I am highly upset with this service
Product: Debt collection

I began to get collection notices from XXXX starting on XX/XX/2021. I received another debt collection notice on XX/XX/XXXX, also by email and then yesterday, I received another collection notice in the mail - that is on XXXX. I have never taken a loan from XXXX. I have never contacted XXXX. I have no idea of what they say is the amount of the loan. I have never received any funds from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian sent me a response to a previous dispute, report # XXXX, stating they investigating the following accounts as accurate. However, Experian failed to report the notice of dispute within 30 days violating FCRA 623. I then sent Experian a letter asking for the Method of Verification on XX/XX/XXXX and they have failed to provide their method of verification. Experian still choose to report these inaccurate accounts and have failed to perform a proper investigation even though they said they did but have no proof. Please see attached documents.
Product: Debt collection

I submitted a complaint regarding Resurgent capital services reporting inaccurately on my credit report and requested debt validation of the alleged account along with the purchase order and chain of assignments as multiple collection agencies have contacted me about this alleged debt. They failed to provide requested documentation. This does not meet FDCPA standards.
Product: Mortgage

Private Mortgage Insurance Cancellation and Termination my loan is 80 % decreased from original value and property appraised more value but chase declined to remove PMI
Product: Credit reporting or other personal consumer reports

Under section 605 b and the Data breach with trans union this inquiry information have to be deleted within 4 business days not 30 nor 60 days also Title 15 USC 1681 and Title 15 use 1692 XXXX XXXX XX/XX/2024 Reference # XXXX