23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I received a statement from Toyota Financial Services on XX/XX/XXXX showing that I only owed {$1.00} due XX/XX/XXXX. I called the company to see if this was correct. The lady I spoke with said yes the {$1.00} was an unpaid late fee which I am removing so you now have a {$0.00} balance. I also have the Toyota Financial Services APP on my phone and checked it again at the beginning of XXXX and it showed I had a {$0.00} balance. XXXX the XXXX I went in to make the XXXX payment due on XX/XX/XXXX still only showed I owed one payment. I went back in the app on XX/XX/XXXX to schedule the XXXX payment for the XXXX and noticed that I owed 2 payments. I called Toyota Financial Services right then to see what the problem was. The lady was very rude and absolutely no help. She said at the time I was now 9 days past due on the XXXX payment and I must pay it with the late fee. I explained to the lady what happened an again very rude. I called back a few days later during the day and got another lady that was absolutely no help. She proceeds to tell me the same thing the payment is due and there is nothing they can do for me. I advised that I always make my payments on time and would never wait 26 days before making a payment and there is no way I can come up with the 2 payments this month because I was definitely not prepared for that. Asked if they could defer the payment since it was there fault and she says no they cant do that. She said when I called in back in XXXX they noticed that something must not be right and looked into it then found the error in XXXX so the payment is due. I advised the lady that I understand that it's due, but it was there mistake so could they please defer it. She would not. I hung up with her and called back in today XX/XX/XXXX. I got another lady who is no help. She said it states in your contract that you have to make a payment each month. So its not our fault and you owe the payment, we can't do anything for you. She proceeds to ask when I will be making the next payment for my XXXX payment ( which should be for my XXXX payment ). I told her I will be making the XXXX payment on XX/XX/XXXX and then will be refinancing with another company. This is literally the worse place to do business with. I will never finance anything with this company again and something needs to be done with the way they do things and how they talk to people.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance XXXX - XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Balance : {$0.00} CONFIDENT FINANCIAL XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting

I was told by XXXX Bank XXXX XXXX XXXX Account XXXX that they will remove entire trade line, Back In XXXX it has been completely removed and now in XXXX it has been reposted. I included a copy of my report showing complete removal.
Product: Credit card or prepaid card

I had 2 accounts with XXXX XXXX XXXX. I closed both of them at the same time, one had a balance of less than {$10.00} and the other one was over {$1000.00}. I have been paying on the higher balance one as I agreed with the amount owed. 
The account ending in XXXX I disputed with Resurgent. They sent me the statements and there are 3 months of no statements where the amount owed went from less than {$10.00} to over {$1700.00} and kept accruing interest and late fees, now totaling {$2100.00}. I have repeatedly asked for them to show where the charges came from on a closed account. The last agent I spoke with at Resurgent advised me that I have to prove I didn't make the charges. No, you have to provide me documentation showing where the charges came from, which they have repeatedly failed to do so. 
This account was closed, I would be happy to pay the balance that was showing on the final statement that was less than {$10.00}, but I will not pay for any more as I didn't have the card and they can't provide what the charges were after the final statement I had originally received.
Product: Credit reporting or other personal consumer reports

The following information does not belong to me, I 'am a victim of identity theft.

Reason Code : This account is not mine and is a fraud. Please delete it from my report.

Instructions : In compliance with the Fair Credit Reporting Act ( FCRA ), you are required to verify the debt and confirm your original signature by the FCRA 's obligations for validating a debt. And if you can not validate the debt, then the account must be deleted immediately.

Provide a detailed log of dates and times of attempts to contact our client, and explain your relationship to the alleged account creator. Specify if this is an assignment or a purchase of the account. Also, furnish the account details for the past year and any applicable collection fees or interest. If you're a third-party collector, submit your license or bonding information to confirm your identity. Failure to comply with these questions will result in the removal of the aforementioned fraudulent tradelines from the credit report due to the violation of our client 's consumer and privacy rights. You are hereby required, under the FC RA 's regulations, to : a ) Validation of the debt refers to checking the accuracy of accounting. 
b ) Verification of signed Invoice.

c ) A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

d ) Please provide the original document and a wet signature. If you can't provide these items, then you must delete them. 

Let it be known that XXXX XXXX has suffered substantial financial loss, harm, and aggravation due to this erroneous reporting. With the foregoing in mind, our client prefers to avoid litigation but stands ready to exercise his or her respective rights should the need arise. Nevertheless, our client ( XXXX ) seek the removal of the aforementioned account. And if the accounts are not removed within five days of receipt we shall seek a reasonable settlement offer for {$25000.00} in consideration of the financial loss and distress our client has suffered because you failed to comply with the FCRA statutes. You shall pay on XX/XX/2023, the sum demanded if the accounts listed above are not removed by XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We used Security National Mortgage ( A Team - XXXX XXXX ) because we were led to believe we would get some extra benefit for using the preferred lender of our home builder, XXXX XXXX. XXXX of the big considerations for us was that we were told that we would get {$5000.00} off of the purchase price of our home for using the lender. This benefit alone presented enough benefit to justify switching lenders. At closing on XX/XX/2021 we were told something completely different than what was explained and emailed to us. The purchase price was not adjusted. Our next concern is that we had a 100 % VA funded home loan and were told we would get our earnest money back because we were doing no down payment. Again, at closing on XX/XX/2021 we found that we were not getting our earnest money back. We were deceived and misled by our lender and proper disclosure was not provided about how the benefits would work. Had we known how this process was going to work we would have stayed with our original lender because there was no real cost saving for using the preferred lender.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.
Product: Debt collection

I am writing to request that the following accounts be removed from my credit report as there is insufficient information to verify them : DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATION/XXXX XXXX. I kindly ask that you investigate these accounts and remove them from my credit report as they do not have enough information to be verified.
Product: Credit reporting

Capital One has been settled through XXXX on my behalf and is being paid but not reflecting this on credit report, balance has not been reflected, still showing as chargeoff/collection account. The balance is incorrect. and should say paying as agreed, as it is not with a collection agency it is still with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company back in XX/XX/2022. And advise them to remove the inquiry.
Product: Credit card or prepaid card

I have a prepaid Netspend debit card. I have often seen lots of small charges ranging from XXXX to {$1.00} on it charged in places I'm not in and at times I'm somewhere else. ( I can verify this ). Netspend has told me those are someone checking in to see my balance, they claimed to be unable to do anything about it, and they had me purchase a new debit card. I did so and changed the PIN number. 

But nothing changed. I signed up for the text alert when my card is used and that's where I am now. 

At XXXX XXXX Pacific XX/XX/2022 today, when I was at home in XXXX, I got an alert that my new card was charged for {$30.00} at a XXXX  in XXXX XXXX. I only know this because I was sent a text alert. This charge wiped out my account. I was at home in XXXX when I got the alert. XXXX XXXX is far from my home. 

I am working class poor. {$20.00} of that {$30.00} was going to go to groceries that I planned to get tomorrow/Sunday. 

I immediately went to the Netspend " dispute charge ''. That page wouldn't load ; I got a 404 error. The 404 error happened the last time I went to the Netspend account to dispute a false charge. I couldn't call because their call center is closed. I will call in the morning when they're open during my time zone. 

I think Netspend and its associated XXXX is complicit in fraud. I need help, please, making this stop. Netspend has not helped.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally request your assistance in obtaining a copy of the 1099-C form related to a charge-off that Upstart Network, Inc. has reported on my credit file.

- Name of Creditor : Upstart Network , Inc .

As you may be aware, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more, which is considered taxable income by the IRS. I am seeking this document to better understand the implications of this charge-off on my financial status and tax obligations. 

I would appreciate your prompt attention to this matter, as I would like to ensure that all of my financial records are accurate and up to date. Please let me know if you require any further information or documentation to process my request. 

Thank you for your assistance in this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

The company is reporting that I have delinquent payments. That is incorrect information.
Product: Student loan

Beginning XXXX I have dealt with my current payment situation on almost a monthly basis. I have been paying on my student loans for over 10 years. Throughout that time on usually an annual basis, my information mysteriously goes missing and after a period of time just long enough to get my payment behind Navient miraculously is able to track me down. I have been told that my address was no longer valid even though I owned the home and had lived there for multiple years. I was told that I requested to convert to online billing ( which I did not ). The online billing " request '' event has happened multiple times. It is always just long enough for me to have to pay late fees and catch things up. I have several bills and I work a long hours and I do not always notice if I have received a particular bill that month but I pay everything that I receive. I applied for income driven payments since my payment was more than my mortgage payment. Each year there would be a delay and more costs so I signed up for a 3rd party company to navigate the paperwork for me. I am a full time instructor and have been since XXXX so I enrolled in 10 loan forgiveness. Due to inability of Navient to bill me properly I have now lost 3 years of consistent payments and have to begin at day 1. It all seems like a scam and I feel like I am being punished for wanting an education.
Product: Debt collection

I received a bill from Montgomery Ward for a product I did not order. Friend took catalogs home with her. I know it was fraud because I did not order this product.
Product: Credit reporting or other personal consumer reports

My score with XXXX is XXXX and I dont have any hard inquiry, My TransUnion score is XXXX.and I have a hard inquiry Please fix the score and inquiry with TransUnion, Im trying to raise my credit score so I can apply for a home loan. My score should be much higher than it is, check accuracy and age of accounts. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with DEPTEDXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPTEDXXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Requested a XXXX XXXX XXXX XXXX ( XXXX ) regarding an inaccurate collection account that appears on my credit report. The account in question is being reported by XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The reported status of this account is inaccurate and unverifiable, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, parroting information provided by data furnishers without conducting an independent verification constitutes willful noncompliance, as upheld in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ). 
Pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ), I am requesting : XXXX and XXXX XXXX of XXXX on this account, including : The original signed agreement or contract. 
A full payment history and itemized breakdown of the alleged balance. 
XXXX of your independent investigation into this accounts accuracy. 
XXXX removal of this account from all three credit bureaus ( TransUnion, XXXX, and XXXX ) due to its inaccurate reporting. 
Failure to comply with this request will leave me with no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office.
Product: Checking or savings account

Received unsolicited debit card from CapitalOne. Also received e-mail from CapitalOne to tie debit card to a checking account. I do not do any business with CapitalOne nor do I plan to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair reporting Act my rights have been violated in disclosure of debt and acurrateness provided by furnishes Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These debts are violating my rights
Product: Mortgage

My mortgage was sold by XXXX XXXX to Fay Servicing XXXX around the end of the last year. During my time with XXXX XXXX, I had a repayment plan in process to get caught up on payments that was supposed to end in XXXX with a payment of {$1100.00}. Once Fay Servicing took over the loan, they never tried to contact me via phone or email. They only sent letters staying that I owed {$2000.00} plus on my mortgage with no explanation. Was not able to get anyone on the phone at the time when calling them. I made a payment through the automated system on the phone for the final repayment plan amount of {$1100.00} in the month of XXXX. I finally got logged onto the online portal and found that my account did not reflect me making that payment and stated I only paid {$850.00}. I called and called and finally got a hold of a actual person on the phone on XX/XX/XXXX ( who was extremely rude ) and I explained to him that I made the final repayment plan payment and that should've been finished. He tried to tell me my repayment plan goes until XXXX? And he couldn't explain either why the previous payment didn't reflect the correct amount I paid. He told me that he would get the details of my repayment plan and call me directly in a couple days. That has not happened. Again he was extremely rude as well. It's been two weeks since and now I can't get a hold of anyone on the phone at the company now. This company does not have a good reputation either I'm begging already for this company to sell my mortgage elsewhere or anything.
Product: Payday loan, title loan, personal loan, or advance loan

I requested the loan online and received the funds XX/XX/year>. I thought about the interest rate and decided to rescind the offer. I sent the funds back to the company on the following Saturday. However, Monday was a holiday. They received and posted the funds XX/XX/year>. Now they are stating i owe them {$750.00} for the origination and other fees. I read the truth in lending and there is nothing pertaining to a rescinded loan. I am held to pay them or it will impact my credit. I have called and spoke with a rep which advised he could take a payment from me. I need my money back.
Product: Credit card

My XXXX  was stolen from me and was used to make fraudulent charges as well as open a new credit account. They bypassed all of the built-in security measures that the XXXX is supposed to have.
Product: Credit card or prepaid card

On XX/XX/2020 I was to receive a refund in the amount of {$200.00} to my credit card following a car rental with XXXX but because my credit card was cancelled by the Bank of America due to my card being compromised the refunded never made it back into my account. Bank of America then pulled the amount from the vendor returning it to me stemming an investigation. XXXX turned in incorrect documentation stating that a refund was issued in the amount of {$200.00}. I then submitted documentation that the refund of {$200.00} that was issued by XXXX was for a prior rental. I have sent in several supporting documents to prove that I am entitled to a refund of {$200.00}. Yet both XXXX and Bank of America has yet to make good on returning my refund amount of {$200.00} and has just ignored the situation all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than XXXX  days since I originally wrote them.
Product: Credit card or prepaid card

Around a year ago American Express Bluebird prepaid debit card division permanently suspended my Bluebird debit card while it still had a huge balance that I can no longer access. 

They then sent me an email claiming that their fraud detection algorithm detected what they believe is my violation of section 22 ( d ) of the Bluebird Member Agreement. 

They refuse to state what behavior or action I did that caused this algorithm to suspend my account nor did they give me any ability to appeal the decision. 

The first dozen calls to American Express outsourced call centers initially gave me hope because the poorly-informed, poor quality, and poorly-trained customer service reps said they just needed to contact my local bank about my main bank account to verify its ownership by me then they would be able to reinstate the card. At the time they couldnt because it was after bank hours. 

The next day I requested to speak to a supervisor since I could not easily understand the reps that would initially answer the phone. They clarified and said I was permanently suspended with no way of fixing the issue on their end and I would have to write a letter to their corporate po box if I was upset with the outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had bought a refrigerator from XXXX at their store located on the island of XXXX XXXX XXXX XXXXXXXX The refrigerator didnt work too well so I returned it. The cashier whom I was referred to told me that I would see a XXXX balance on my XXXX card on the next billing statement and not to worry about it. I was very surprised to see the account charged off and reporting on all 3 credit bureaus as derogatory and charged off. I have contested this problem with the XXXX and tell them that the information is wrong and that i5s not mine. I returned the appliance and XXXX didnt do what they were supposed to do so this problem is not my fault and should be removed from my credit report immediately.