23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To : Consumer Financial Protection Bureau I am writing to bring to your attention an issue that I am having with a Debt collection company under the name of XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a letter where advised that Toyota Motor Credit Corp asked them to collect from me the amount of {$160.00} because according Toyota Motor Credit Corp records after I returned my XXXX leased vehicle by ending XX/XX/XXXX I got an outstanding balance. I first never received notification of a charge against me and this collection letter doesn't explain the reason why I owe them money. I immediately took steps to see what was going on and I decided to call Toyota Motor Credit Corp and  clarify this issue they couldn't explain me the reason why I am getting this charge about it and beside that they were rude over the phone and refusing to talk to me and telling me that I have not longer account with them and I had to be direct to the collection company this happened twice in two different time that I tried to resolve this issue with Toyota Motor, and they kept re-directing me to the collection company. After feel so frustrated I decided to call the dealer XXXX XXXX where I returned my XXXX leased and spoke with same sale person who took my leased back and sold me a new XXXX leased and he checked my records and he said Toyota Motor Credit Corp is charging me because I didn't return the 2nd Key from my XXXX Leased and I called again to Toyota Motor Credit and advised them that I still have the XXXX Leased key with me that I can return it and also I asked them how you can charge for something that I wasn't aware that I will get charge if I don't return also there is not where saying that I have a time frame to return the key and get charge for if it doesn't get returned. I am very concern at this time because they sound not be reasonable and careless if they make a negative mark on their customer credit records for something can be resolve in the right way. Once again I never get any disclosure that I had to returned the 2nd key in a time frame if not I will be charge for. This is incorrect and not acceptable. I really appreciate if someone can assist me in this matter. Thanks!
Product: Vehicle loan or lease

in this time we're struggling on inflation and. I request many time for. payment extension and they refused doing that even my car payment is not high like. it's just left almost XXXX on with the bank. and they always refuse. They have the reason they says I have done all extension. on my account which is they using the extension account without my permission for COVID 19 since hit in XXXX I. know they're going to use all my extension months. I refuse to let them but they don't tell me until I decided to. have extension on XXXX because this inflation on this hard kind to collect the money and everything is raised up like a food rent utility and they keep refusing give me any at least one month extension I'd like to complain about that with the bank name is stirred the finance XXXX  XXXX  XXXX XXXX. That's my story. I wish I had two months extension to can step up to I can. stand up on my feet again until I pay off my car. Also, I'd like to add something. They give me two times or three times fees and they not wave, wave down this feed. because I'm struggling. The payment they don't respect, they don't appreciate long time term with them and they are keep. give me a fees and they don't give me a one at least one month of extension. My payment
Product: Checking or savings account

On XX/XX/year>, I attempted to resolve issues with Ally Banks failure to send a replacement debit card for an expiring account. Despite the cards expiration, no replacement was automatically issued. During two calls that day ( 6 minutes and 10 minutes ), the agent could not clarify why no replacement was sent, review card expiration records, or confirm if prior cards had been mailed. 

On XX/XX/year>, I made three additional calls to Ally : - A 38-minute call ended when the agent disconnected without resolution or callback. 
- A 25-minute call involved an agent who refused to allow my wife ( a joint account holder ) to authorize me to perform transactions or order a replacement card on her behalf, even after we explained XXXX XXXX XXXX and unavailable. The agent showed no empathy for our situation and insisted she remain on the line, which caused completely unnecessary hardship. 
- The same agent could not confirm if a replacement card ( ordered on XX/XX/XXXX ) had shipped, provide tracking details, or explain why an unexpired card in the joint account holders name could not be activated. He claimed the card was canceled due to delayed activation but provided no prior notification of this policy. 
- The agent refused to expedite a replacement card without fees, despite Allys errors causing the issue. After over an hour on hold for a fee override, I abandoned the call. 

Throughout these interactions, Ally Bank failed to address systemic issues with card replacements, activation policies, or customer support.
Product: Debt collection

They keep calling me asking for " XXXX ''. I do not know nor am affiliated with anyone by that name. I 've asked them to stop calling, they confirmed they would put me on a 'Do Not Call ' list. And yet they 've called again today.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Mortgage

i received a response from fay servciing want to comment and then add new items. I have no entitlement. but i know there are legal criteria to do property inspections that a bank has to meet before they can just do them. that was not done in my case. i received no communication in fact in XXXX i sent a certified letter fay received stating that i am in the home there is and will be no need to do inspections. I will dispute any and all fees. 
Next, I have asked especially now during the pandemic where there should be and will be laws to protect me from this, i asked for more time to submit 1099 income to complete my review. I am told they may file for foreclosure on XXXX consistent with their right possibly even during these times but certainly not consistent with reasonableness and truly wanting to : help : '' I ask you NOT to assess fees, or file foreclosure on XXXX but otherwise to wait until XXXX at which time i can show another XXXX of income. I will fight any and all fees. lawyers etc. How can this happen during a pendemic where people are XXXX and poeple are jobless? How can i be held to pay all arrears now? why is there no deferment option? i am writing to Governor today as well. Please do not file now. PLEASE. wait til i can submit more income.
Product: Credit reporting or other personal consumer reports

Trans Union refused to delete a bankruptcy when I provided evidence from the State that they didnt place it on the report. They lied and said they verified it.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did provide me with the original contract as i requested.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 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. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS 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. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

My conventional XXXX XXXX XXXX was refinanced through loanDepot in XX/XX/XXXX. This property was purchased by me in XXXX of XXXX and financed through a conventional XXXX XXXX XXXX. Between then and the present, I have not missed any payments or become behind on the loan. I am also current on property insurance and property taxes. When I first purchased the property in XXXX, I put down a 20 % downpayment in order to save the cost of XXXX XXXX XXXXXXXX, deal with the hassle of escrow, and have control over my finances, with the mortagor only being a part of that. My philosophy has not changed between when I purchased the property, refinanced, and present day. I never had any of the following issues with the original mortgage, nor their servicing -- despite the servicer being changed. In fact, my insurance with XXXX is still the same policy from the day of purchase to refinance to today. 

Enter XXXX when I refinanced my property with loanDepot. loanDepot is also the current servicer, and who this complaint is aimed at. For the second time, loanDepot has, without my knowledge or consent, opened accounts in my name -- months prior to my knowledge. These accounts were opened to accure large fees months before they went into effect. These fees are for an escrow account, which I have never had, nor have any reason to have, so loanDepot can purchase property insurance on my behalf, at roughly XXXX the cost of the insurance that I already have, that meets the requirements, both federally and internal to loanDepot. The reason these accounts were opened, according to a phone representative on XX/XX/XXXX, is simply that loanDepot presumes homeowner 's insurance is not in place unless proven otherwise, despite them having the policy information. To be clear, my homeowners policy has been with XXXX since day XXXX of ownership and has been renewed, with loanDepot as the named insured. With all of that being said, my payment on XX/XX/XXXX and forward will be roughly 50 % more if these concerns are not taken seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2012, examined documents assigned to XXXX XXXX ( XXXX, SC ) court house at Deeds office. As well as, examined documents with Clerk of Court in XX/XX/XXXX. Retained two law firms to represent on my behalf. The XXXX XXXX is the originator of my home loan at XXXX XXXX XXXX XXXX, XXXX, SC XXXX.
Product: Credit reporting

My credit report company refuses to get rid of the dispute on my credit. I told them im not disputing my car and i wrote to transunion XXXX and XXXX and requested that they take it off. XXXX XXXX also telling them to take it off as well. They told me they wont re investigate and that information is correct and that they wo n't take it off my credit. I sent them letter and told them countless time to remove it. The person im dealing with has pulled my report. Several times and my score has dropped alot and i have a baby comming and i ca n't stay in this condition. I live in a hotel room paying XXXX a week and i 'm feeling really fustrated right now
Product: Checking or savings account

I made a purchase on XXXX on XX/XX/year> at XXXX Hrs. I was unable to reach the vendor sellign the item, so today I cancelled the order. XXXX XXXX attempted to issue a refund for {$690.00}, but my debit card was locked at the time the credit transaction was initiated, so XXXX XXXX blocked the credit transaction. 

I used PayPal to make the purchase in order to be protected. However, they are the one who are witholding my money now. I have made several attempts to resolve this issue with them, but the refuse to help me. They keep saying give it 3-5 business days to post. They aren't even listening to me. I cant get them to understand that the transaction was already attempted but declined by my bank due to my debit card being locked. 

I just want my money back for the canceled order. I have attached screenshots of the transaction being blocked ( email from XXXX XXXX ), along with the order cancellation confirmation from XXXX XXXX.
Product: Student loan

My parents took out a private student loan through XXXX XXXX in XXXX 2004. I was the XXXX co-borrower on the loan. It stared out as a {$22000.00} loan. I had asked that the loan be cancelled but my parents decided to keep it for their personal use. Throughout the years my family had defaulted a few times and has affected my credit. XXXX XXXX changed to Navient. When they switched over, Navient made a payment agreement with my parents to get back on track with their payments. My XXXX questions are : When this loan was refinanced through Navient, should n't I have been allowed to take my name off loan? I never signed off on any paperwork. 2 : I feel that there is something wrong mathematically as to why this {$22000.00} loan has a balance of {$39000.00}
Product: Credit reporting or other personal consumer reports

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a XXXX complaint, lawsuit. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Account Name : XXXX XXXX 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried numerous of times to get the credit reporting agencies to remove the incorrect information from my credit report. All of the information and unknown collections and closed accounts appear on my credit report and never been removed. The negative incorrect information caused damaged to my credit and life can you please fix this problem. Once again Ive reached out to all of the credit reporting agencies and they have failed to correct my credit report this makes it hard for people to make a honest living. Especially when the credit reporting agencies are reporting incorrect information without the proper investigation. This needs to end immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.