23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XX/XX/XXXX I called Toyota Financial Services to discuss my lease end options. At that time, I was told by a manager within the Customer Loyalty Team, that since I had XXXX Toyotas in a row, that my disposition fee at lease-end could be waived. I was told that all I had to do was call in to request this, after I received my final bill. Since that time ( see letter ), I have spoken to XXXX-XXXX people in various departments, had to explain my issue each time as I was blind transferred, have been hung up on, talked over, and interrupted. I have been told that if the fee waiver had been notated on the account then it could easily be adjusted, or that if only this was my XXXX Toyota - than they could waive my fee. I have even had my integrity questioned. Requests to speak to a Manager were denied, manager callbacks were promised and never occurred, and the one person who I spoke with that actually acknowledged themselves as a Manager provided the worst service of them all. I am only seeking Toyota Financial Services stand behind what one of their leaders told me would happen, and they waive my disposition fee. I have asked them to locate and review the call ( outbound call to me in XX/XX/XXXX ) and was told that not all calls are recorded. I was assured the fee could be waived, and now nobody wants to stand up and do the right thing. Had I known this, I may have decided to trade the vehicle in, as opposed to ground it - as a point of reference, the car was a XXXX mi lease with only XXXX miles on it, worth more than the residual.
Product: Vehicle loan or lease

I have filed several complaints with cfpb in regards to this creditor this acct was supposed to be a settlement in full yet they are still reporting delinquent acct on at least two credit reporting agencies my next step is legal action also this acct is stating as a charge off how is that possible when I several letters of proof of settlement and my car title
Product: Mortgage

On XX/XX/XXXX, in the process of applying for a mortgage refinance with XXXX XXXX XXXX XXXX, the mortgage processor asked Suntrust for a document called a " Subordination Letter. '' As of today, XX/XX/XXXX, Suntrust has not complied. 

Mortgage processor from XXXX XXXX calls Suntrust weekly to find out the status of the document and is told " we are working on it. '' I went to local Suntrust branch where I do my banking ( since XXXX  ) to ask them to find out what was happening. I was told this is just " how we do business. '' This delay hurts me enormously. And I might add, when I applied for a Home Equity Line of credit last year, it took over 5 months to close. My credit score is well over 800.

When I complained to Suntrust, I received a call from a lady at their corporate offices who admitted the HELOC should only have taken 30 days to close.

This is so wrong. I am a longtime customer of Suntrust but this doesn't seem to matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX shows an installment loan in my credit bureau reports which I never applied for.
Product: Debt collection

I was contacted twice by a courier service wanting to deliver paperwork to be signed by me for legal action. After the 2nd call, I contacted the company Collection Agency that requested the paperwork be delivered, XXXX XXXX and spoke to someone who was not only very unprofessional, they also threatened me and hung up on me. They provided me with the last payment date of XX/XX/2014 and the name of the company, Care Credit was suing me for the balance owed in excess of {$3000.00}. If this is a legitimate credit company, they should not only know the laws of the Statute of Limitations for the state they are collecting in but should also be professional when speaking to customers.
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 appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Mortgage

My mtg. escrow had an overage of XXXX, which was suppose to be mailed out on XX/XX/2021. As of XX/XX/2021 I have not received the check. I have talk to the Loan care several times. They said I had to wait 30 days before they can reissue the check. But they never mailed it because I have received two bills, and two other letters form them since XX/XX/XXXX. I want my check they are holding from my overage in escrow.
Product: Debt collection

Tracking number : XXXX. 

Damaged goods/package, that was scheduled and paid for to be shipped from the US to XXXX in XXXX. It was never ever received or delivered to the recipient, instead retained to the US after 1 month totally damaged, broken and fallen apart, while XXXX is trying to now charge me a the returned goods. The cause me damages for over {$3500.00}. Sending over 10 emails, placing phone calls and formal complains, the reps hang up on me and totally disregarded the issue. I want to sue them for damages and for them stop collecting on something that they are actually responsible for!! Now XXXX is send {$1600.00} to the collection agency by name Transworld Systems and trying to collect on the shipping charged than I never asked for and for the package that was damaged.!!
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Account involved in it litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open collection account with a limit. Please remove the following accounts from the credit report : 1 XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report 2. XXXX XXXX Account Number : XXXX Please remove it from my credit report 3. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 4. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 5. XXXX XXXX Account Number : XXXX Please remove it from my credit report 6. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 7. XXXX XXXX Account Number : XXXX Please remove it from my credit report 8.XXXX XXXX Account Number : XXXX Please remove it from my credit report 9. XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 10. XXXX Account Number : XXXX Please remove it from my credit report 11. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 12XXXXXXXX XXXX Date Of Inquiry : XX/XX/XXXX 13. XXXX XXXX Date Of Inquiry : XX/XX/XXXX 14. XXXX XXXX Date Of Inquiry : XX/XX/XXXX 15. XXXX Date Of Inquiry : XX/XX/XXXX 16. XXXX Date Of Inquiry : XX/XX/XXXX 17. XXXX XXXX Date Of Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Procollect , INC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Amount : {$1700.00} According to 15 U.S.Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Debt collection

I disputed this inaccurate account a long time ago and Jefferson Capital still has never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the item must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.
Product: Credit card

I went to XXXX XXXX  to book a flight. XXXX XXXX had a decent round trip flight so I went to book the flight through their website. A promotional ad popped up representing that I could save {$200.00} on the flight in question 'today. ' The ad had the price of the flight and underneath '- {$200.00} ' today. I would have to apply for a new credit card with Citigroup, which I did. I provided the information requested but there was no way to use the flight discount the same day. I contacted Citigroup and was advised that they would provide a temporary credit card number to use to obtain the discount. This was untrue. It was impossible to use the new credit card the same day to obtain a {$200.00} discount on the flight. This was at best misleading and at worst a classic bait and switch strategy. This tactic has been the subject of numerous online complaints. I sent a written claim to Citigroup and XXXX XXXX. XXXX XXXX has made no response. Citigroup has conducted a one-sided outcome-oriented " investigation '' and they appear to have denied my claim made under the XXXX Consumer Protection Act . Citigroup 's rep also contacted me via cell phone and recorded the call without my consent.
Product: Money transfer, virtual currency, or money service

I have tried over the past three or four years many times with, XXXX XXXX, MoneyGram, and Walmart to Walmart. I can not send or receive money this is created a very very extreme problem for me and my wife. I don't think I need to explain the details but I believe it's unfair than all of a sudden they decide what they think is best. They shouldn't be in business if they're going to do this to people I want to know why they have singled me out. I am not a crook. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Debt collection

they call and send letters for a {$720.00} balance on something that i have never had -????
Product: Credit card

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed.
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 XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made withou my consent. According to section 604 of FAIR CREDIT REPORTING TO SECTION act ( 15 U.S.C168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT REPORT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE XXXXXXXX XXXX XXXX XXXX acount number XXXX
Product: Debt collection

On XX/XX/XXXX, I woke up to my small business and my personal account being empty. Law firm RAS LAVRAR garnished the money in my accounts and on XX/XX/XXXX they also garnished my pay check. One account they took {$530.00} then my pay check {$1200.00} and business account {$1000.00}. I called the company and to see what is going on and they said I owed a XXXX Credit Card in the amount of amount {$6000.00} from XXXX and that i was sent to court in XXXX. I asked them how could this be and they said there is nothing I can do. I had a debut collector contact me about 2 months ago but did not want to understand that I had no knowledge of this and I had my identity stolen back in around that time period. He was frustrated and so was I so I hung up. He process to call me again a few time and finally left a message that he was moving forward with suing me and wished me luck. I has a couple of calls XXXX with whom I'm now assuming was debut collector because they did not want to give me any information when I asked what this is about. The person said well I got this case on my desk but if you don't want to provide your personal information that is your decision. I told them that they should have my information since they are the ones calling me so with so much scams going on I declined to give him any information. He did not want to provide the company name or reason for the call and we hung up. I have police reports and report to social security office as well as an other police report in XXXX XXXX Florida where the person that stole my identity was working at the time while using my papers and social security number. I had not heard about this XXXX XXXX prior to this. I try to work something out with this law firm but they refuse to work with me as far as payments go so that they can take the garnishment off.At this point I would like to know what my options are since this case is on going. Please let me know what how to proceed. Thank you for you time.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX  and I was unaware that my information was given to Credit Acceptance! I did not give them my signature nor did I give them my social security number. They are reporting late payments on my credit report when I never did business with them in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX, XXXX and Innovis credit reports are showing that I have late payments on my student loans and this is inaccurate reporting. I attached letters that show that I contacted XXXX, who verified that I was in school during these periods and could not have been late on any payments, as they were not due. My in-school deferment per the letter attached was from XX/XX/XXXX-XX/XX/XXXX. For some reason, despite my efforts and the proof that I have sent, these false late payments are still showing. 
These same bureaus are reporting that I owe XXXX XXXX and XXXX XXXX XXXX as collections accounts but this is also false. I attempted to get this information verified ( see attached letter from all the way back on XXXX XXXX ) and I got no responses or validation of this debt at all. At this point, my rights are being violated. 
Section 611 ( a ) says a failure to investigate these things within 30 days gives a reason to immediately remove the items from my credit reports and it has been over a year. I demand that all the above listed items be removed from my reports or I will be forced to file litigation. I need these problems fixed promptly because this is costing me thousands of dollars and I will not wait another year for results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts listed on my credit file that I do not have any knowledge of. On XX/XX/2019, I mailed a letter to the creditor listed on my credit report requesting verifiable proof that the accounts are mine. I have waited over five months for a response or a deletion from my credit report and neither have happened. This dispute is well over the 30 days and should be deleted from all three credit bureaus. I sent the debt validation letter by certified mail. I have uploaded a copy of the certified mail receipt and proof that World Finance have received it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), World Fiance are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification WORLD FINANCE CORPORAT XXXX No contract, contract canceled. Unverified Account WORLD FINANCE CORPORAT XXXX No contract, contract canceled. Unverified Account. 

I am requesting for a deletion from my credit reports.
Product: Credit card or prepaid card

Elan Financial Services erroneously charged me fees. These fees led to the account being reported as " late '' to the credit bureaus. Elan acknowledged that these fees were erroneous and has since reimbursed me. I would like them to remove the derogatory payment history with the credit bureaus. I have sent a letter to Elan Financial credit bureau dispute department, but they sent me a seemingly pro-forma letter denying my request. Their response letter made it obvious that they did not even read my original complaint fully.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Debt collection

The company, Portfolio Recovery Associates, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$4600.00}