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

I have been out of work on XXXX for a year and I have managed to get all my payments caught up until XXXX when Hurricane XXXX Came and I was without power and displaced 3 1/2 weeks.My XXXX bill was due on XXXX XXXX. 
I reached out to Southeast Toyota Finance on XXXX XXXX, XXXX asking for an extension for XXXX and was informed that they were no longer giving free extensions for hurricane victims as of XXXX XXXX. 

I informed the customer service rep that I receive a XXXX check on the XXXX of each month and I would not be able to pay the extension payment until XXXX XXXX. Even after informing SETF of my current situation ; I harassed with collection calls everyday until XXXX XXXX, XXXX ; On XXXX XXXX, I asked the rude customer service associate if I could to speak to a Manager regarding the written ceases and desist that is associated with my account. I I was told by the manager that I did not have a request on record. Exasperated I stated to the manager once again my intentions of obtaining an extension on my account once I received my XXXX check the next day. 
When I attempted to request the extension online, I received an error message and was instructed to call customer service. I called customer service on XXXX XXXX, XXXX @ XXXX XXXX and was told that, now since my XXXX bill has become due I am unable to get an extension for XXXX!!! XXXX must be paid in FULL they were willing to give me an extension on XXXX bill which is only 3 days past due. 

I am a XXXX veteran and I have been with Southeast Toyota almost 6 years and they are terrible to their customers. Sometimes life happen and bad things happen to good people ; the customer service reps make you feel horrible, they make you want to give up throw in the towel and the VEHICLE and not pay them another blood and tear stained dime. 
I am sick of the Harassing phone calls all day and if I speak to them today they will still call me right back the next or every two days regardless of what you thought you had resolved on previous conversation with the previous associate. 

They create barriers for customers to pay off loans I asked for documentation of my past extensions and agreements because you are unable to obtain information online and they send nothing in writing by mail verifying the transactions and agreements, my payoff amount has not changed in a year after almost 6 years there should be a much higher amount applied to my principle and there is no one to discuss your account with because the harassing callers do n't have access to your account or payment history they are just collectors.
Product: Checking or savings account

I had a checking account with TD bank. They closed the account because of suspicious fraudulent activity. It has been over 1 year since they closed my account and I have yet to received the funds that were in my account. I went to a branch recently and they informed me that because of the suspected fraudulent activity, the last check deposited into my account was returned. Therefore, there is no money in my account. That was a little bit more than XXXX in the account, that I have no idea where it has gone and they are refusing the give me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I sent a letter requesting the XXXX credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according to the law. Every piece of information listed on my credit report is still not 100 % accurate. 
The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

A charge off is a certificate of indebtedness and considered income. I have opted out of any authorizations to share my personal information per 15 USC 6802. See attached.
Product: Credit card

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. 

On XX/XX/XXXX I logged in to my current account I have with Barclays XXXX XXXX  to review balance and payments due for my Navyist Rewards Master Card XXXX. After I did log in, I noticed there was another credit card Jet Blu Plus Card XXXX with an available balance of {$8000.00} which was opened without my knowledge and I have never requested for. 

After I noticed about this, I checked my bureau credit report and there is a report for this inquiry I never requested for. I also can see the personal information ( Address and phone number ) does not match with my current personal information. I moved to my new address on XXXX, XXXX and Barclays Card was still sending promotional letter to my old address. 

I placed a hold of my email and updated on my Barclays mobile app, my personal information to my current credit card I have with Barclays US Bank ( Navyist Rewards Master Card XXXX ). 

I have tried to contact Fraud for XXXX consecutive days to Barclays Bank but they do not pick up my call after I am waiting for more XXXX hours in the line to report this.
Product: Debt collection

Have called many times..explained to them that the person they are looking for is not at my number..they keep calling and yesterday,XX/XX/XXXX, left threatening message for that person. Called them back to again request that they remove my number and if not I would contact you. They called right back and stated that they 'll continue to call regardless of what I wanted..I 've had enough of this.
Product: Debt collection

This is an attempt to collect a debt that does not belong to me as a result of identity theft. I filed a complaint about this collection on XX/XX/22 because the collection company never sent a collection letter but added the collection to my credit report unlawfully, completely ruining my credit. No remedy was provided from your agency following this complaint although it was closed. I sent a letter to the company requesting a verification of their contract and authorization to collect this debt in an effort understand the basis of this collection, which appears to be for a hospital visit that I have never had, for services that I have never received. My request for this information and verification of the validity of this debt has been blatantly ignored by AArgon Agency which is a violation of the FCRA. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I am allowed to sue a credit reporting agency for negligent or willful noncompliance. the failure for AArgon agency to respond and provide important information to verify this debt is illegal and punishable by a fine. This collection must also be removed from my credit report immediately. I seek a proper remedy to this complaint from CFPB requiring AArgon to provide verification of contract to collect debt as well as proof of FCRA Compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted copy of my dispute letters on XXXX  company has failed to respond to my letters, complaints, or investigations
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. 

XXXX, Transuinon, XXXX, is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : DP OF EDUC : XXXX DP OF EDUC : XXXX DEPTEDXXXX : XXXX XXXX : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Money transfer, virtual currency, or money service

* Do not have access to my account for the last two days.

* Lost potential gains of at least US {$4000.00} so far due to inability to login to close my positions.

* Password reset doesnt work and they refuse to reset or give me a call back.

* There is no phone support.

* In the live chat, customer support claims password has to be reset manually but they haven't done that for two days.

* Have been persistently trying to talk to someone in the live chat. Average waiting time is two hours. Half of the time that I reached an agent, they say I'll get an e-mail, which I never get. The other half, the queue just resets and I go back to the end of the queue to wait for two more hours.

* As I was writing this complaint, I got an e-mail saying my account has been disable for security checks, and they won't allow me to login unless I send them an e-mail with a statement that would clear them from wrongdoing.
Product: Credit card

CAPITOL ONE, XXXX, XXXX, CAPITOL ONE have not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed an inquiry in my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means. This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit card

Capital One closed 2 of my credit cards without cause. I sent Capital One a negotiable instrument for presentation to the Treasury. Not only they didnt accept my instructions and instrument, they closed both of my accounts. Per their credit card agreement, they may accept this is a form of payment without losing any of their rights. They have violated their SEC prospectus and their credit card agreement. From what I hear, Im not the only one they have done this too. This matter needs to be investigated.
Product: Payday loan

I was recently contacted by a XXXX XXXX from telephone number XXXX. She told me she was with a location service. She then went on to accuse me of Internet fraud. The person in question then went on to say that I owed {$1600.00} to the Eastern Management Group and she was collecting for them. 
Prior to this phone call I received a call from my ex-husband my son and my current spouse who she had contacted stating she was trying to find me because I was being charged with internet fraud. This woman at badger in my son at his place of employment continuously asking him is this the kind of stuff she does. And then when I talk to her, she stated my son replied yes this is what she does. My son never stated that. 
This woman continue to harass me stating that if I did not pay her the full amount today she would send out a process server and I would be arrested, she also threatened my XXXX license. 
I requested documentation to verify that this loan was even mine and I also asked her to send me a disclosure about her being a debt collector I received neither one. 
XXXX XXXX informed me that I did not get back with her with a payment she would then contact my employer and have my wages garnished.
Product: Debt collection

1. On XX/XX/2022, I granted, conveyed, transferred, pay, assign, deliver, my security interest my rights upon the debt instrument ( payoff quote ) in the form of a promissory note as cash payment dollar for dollar for full settlement and discharge of the total obligation due as a pre-payment. via Negotiable Instrument transaction. 
2. GM FINANCIAL after keeping all full payments I presented to them for discharge had hired XXXX XXXX XXXX to take my private personal property my vehicle while I was currently inside the automobile ( XXXX XXXX XXXX XXXX # XXXX on XX/XX/2022. I received a letter by GM FINANCIAL on XX/XX/202, of the sell of my property that was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint with hopes that you are able to assist me. During the pandemic the president signed the " Cares Act '' which placed all federal student loans on a pandemic forbearance/suspension. To my knowledge all of my student loans are federal student loans so I assumed that all of my student loans would be placed in this status. The cares act with respect to the student loans was extended at multiple stages throughout the 2020 year due to the continued state of the Covid-19 pandemic. It was not until late XX/XX/XXXX that I pulled my credit report and noticed that half of my student loans were reporting as current and the other half was reporting as past due. I immediately contacted the Navient company to find out what was going on. I spoke with a representative and I was informed that yes all of my student loans are federal student loans however half are owned by the Department of Education and the other half was owned by Navient. I immediately attempted to rectify the situation by applying for a deferment which was approved. However reporting on my credit report are late statuses for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Navient has been sending my past due status and my monthly statements to an UNKNOWN ADDRESS, for which I am attaching those documents. FYI I was able to recognize the address discrepancy because during one of my conversation with a customer service rep she walked me thru accessing the documents online and I noticed that for some odd reason they were sending certain correspondences to my address XXXX XXXX XXXX but some to an incorrect address for which I have never lived XXXX XXXX XXXX XXXX # XXXX. I added this to explain why I was not more proactive in trying to rectify the situation before it even got to this point where the accounts were reporting past due. Whats wierd is they were sending letters to this address telling me they were unable to get in touch with me to the same address they were unable to contact me at. Looks like they updated my address since. 

Regarding : Account # XXXX Attaching 1. Cares act info 2. Screen shot displaying the past due statuses on my credit report 3. A few documents showing proof that notices were being send to wrong address.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter from Liberty First Lending advertising rates as low as 5.99 % APR, with a disclosure that the range is from 5.99 % -29.99 %. When I called, I spoke with a representative named XXXX who informed me that there arent any 5.99 % loans, and he hasnt seen that rate in a very long time. In fact, he didnt have anything under 10 %, which is what I was aiming for, so I dont know what their baseline is. Regardless, they are falsely advertising a rate that they dont have available for anyone. For reference, my credit score is excellent.
Product: Debt collection

The Judgements were paid on XX/XX/XXXX in the full amount of {$1600.00} through the Courts of XXXX, MS . The Courts finally took the public records off of my account on XX/XX/XXXX. XXXX and XXXX  refuse to remove the collections off my account Case or ID # XXXX  Case or ID # XXXX
Product: Debt collection

XXXX sent a letter stating I owed {$600.00} to XXXX XXXX XXXX for service date X/X/17. It was not my correct first name. XXXX instead of XXXX. My middle name however is XXXX. I have never used that health vendor either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Consumer Adjustment Company a request to block a fraudulent account that is being reported on my credit report. The request was sent via certified mail recorded delivery.
Product: Credit card or prepaid card

The CHASE CREDIT CARD company is driving me crazy. My CHASE account was closed by the CHASE CREDIT CARD company On XX/XX/XXXX on purpose. The reason is : On XX/XX/2020, I paid the full balance for my account with my XXXX  debit card, and I got the confirmation email from CHASE. But CHASE CREDIT CARD company CANCELLED my payment without any message. 

The consequence is that the CHASE CREDIT CARD company put the interest charges on my account.in XXXX XXXX, XXXX, for ever, even if I paid the statement balance in full. I can never pay them off. 

The original message from CHASE CREDIT CARD company is as follows : I will be happy to assist you with the interest charges on your account. XXXX, your email has reached the highest level of escalation. even though you paid your XX/XX/2020 statement balance in full, your XX/XX/2020 statement balance was not paid in full by the due date and interest charges continued to accrue on your revolving balance between the date your statement was issued and the date you paid the statement balance in full. This interest charge, often referred to as residual interest or trailing interest, is reflected on your XX/XX/2020 billing statement in the amount of {$24.00}. Interest accumulates daily but is not charged to your account balance until the end of the billing cycle. If you carry a revolving balance, you may notice residual interest charges on a newly generated statement after having paid your prior statement balance or Interest Saving Balance in full. These charges accrued between the date your prior statement was issued and the date it was paid. I regret to inform you that we are unable to reverse the interest charges of {$24.00}. We appreciate your business and thank you for being a Chase customer. Thank you, Chase Email Servicing XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX and XXXX, XXXX, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. XXXX sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX
Product: Money transfer, virtual currency, or money service

I have gotten advances from work and while it was declined by Zelle for my account being inactive while it was active, it still took the money out of the other account and it was never deposited into my account. Now I cant even get into Zelle because the bank that was compatible when that transaction happened is not compatible anymore. And I never got any of my advance.
Product: Student loan

The total loan and fees were not fully disclosed or improperly explained resulting in substantial interest in addition to principal amount.
Product: Bank account or service

Dear XXXX, I 'm writing to report on the illegal close of my Home Equity Line account ( Account number XXXX ) with the Bank of America last month. 
Since I opened this account in 2015, I used it several times and paid all the balance back. I need this account in the future. 
I have contacted the Bank of America many times and was told to wait for 10 days for this account of mine to be reopened. However more than XXXX days have passed, I have not got my account back, yet. 
Please investigate what happened within the Bank of America and help me get my XXXX XXXX XXXX account back. 
Thank you! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS company being reported on my credit reports are NOT my account : XXXX XXXX XXXX XXXX - Acct # XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I sent 3 written letter to the 3 credit bureaus asking for proof that this is my account, I also called XXXX XXXX for any kind of contract they have showing this is my account they have failed to do so. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they 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. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. Their failure to positively verify this accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, The credit bureau and XXXX XXXX XXXX XXXX have failed to do so.