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

I put in an order for a XXXX XXXX XXXX on XX/XX/2021 for a car which was blue, with XXXX XXXX XXXX  but was also supposed to include some other standard features which were advertised at the time of purchase such as a tilting front screen and the ability to play XXXX like games such as the XXXX from the car. The problem is that after the car was delivered those XXXX aformented features have finally come and been implemented, however I was told today that I must pay for these upgrades. I believe its unfair to have to pay when those features were stated to be included at the time of my purchase.
Product: Consumer Loan

My Toyota financial payments are made through EFT transaction. On XX/XX/2017 XXXX deducted the wrong amount from my bank account. My correct payment amount is {$380.00}, but Toyota deducted {$310.00} which is an incorrect amount. I was not aware of this until my credit monitoring service notified me on XX/XX/2017 that I had a derogatory mark on my credit report. After investigating I learned that Toyota Financial had reported my XX/XX/XXXX payment 30 days late. After checking my bank statements for the prior three months I noticed that the XX/XX/2017 payment amount that was deducted from my account was not the correct amount. I logged onto my Toyota Financial account and saw that I had an outstanding balance of {$63.00} and a late charge of {$3.00}. Next, I called Toyota Financial and spoke to a customer service representative. I explained what happened as best as I could, but the CSR had a heavy accent. I could not understand her well and she could not understand me - she repeatedly asked me the same questions over and over and could not understand my answers. In the end she told me there was nothing she could do and that I would have to dispute the matter with the XXXX credit reporting agencies. This error on Toyota 's part has cost me XXXX points on my credit score. That 's exactly how much lower my score is now. I spent several hours on the phone this morning with the XXXX credit reporting agencies : XXXX, XXXX, XXXX and XXXX. XXXX told me they would remove the error immediately. XXXX told me they would file a complaint against Toyota Financial and review the dispute and rule on it within 30 days. XXXX and XXXX told me they would review the dispute and rule on it within 30 days. This error has caused an undue amount of hardship. I want Toyota Financial to correct my credit report with all of the agencies they report to and refund the late charge to me.
Product: Vehicle loan or lease

This vehicle amount I was quoted was {$260.00} and a {$1200.00} trade in. I was told by the dealer that I could return this vehicle with no issue. Then I received voicemail attempting to intimidate me to agree to new terms and conditions. This went on for weeks. I asked repeatedly to end the deal and return my trade in the vehicle. I was threatened that the dealership has means to force the deal with a higher monthly amount and lower trade in value. I emailed the dealer and sent emails to the XXXX. The car went into collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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.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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block information appearing on my credit report that is the result of identity theft and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX XXXX on XX/XX/year> under account number XXXX I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, Experian, block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Product: Student loan

Loan Lending Company XXXX XXXX. At this time the Lending Company has merged 3 times to a fourth company, now Nelnet since I signed up. That is an indicator to me and a privacy concern. I thought the bank account information and the personal information in general should have been a Second Amendment possibility. The company is for students and that is too much to consider after a XXXX I am now alerting someone. 
I have written a letter of complaint by mail to the company direct unsure of receipt. 
XXXX XXXX XXXX XXXX Nelnet
Product: Checking or savings account

I tried to deposit a paper check into my account via mobile deposit. I was told that I did not qualify for the feature of mobile deposit because I had an NSF after being double charged by a different institution. In effect, they denied me the ability to deposit money because I did not have enough money. The checking account is designed for people who travel extensively, which I do for work. They have in effect XXXX a key feature that makes the account viable.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX hard enquiries not mine 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 collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo has refused to communicate with me regarding my being a victim of Fraud and also Identity Theft on their service. Because they say I'm not a customer ( I'm not ) they will not give me any information. I have filed a case with my Bank who has now closed the investigation with a finding of fraud. Venmo claims that's the end of it because in their POV, the Bank is standing and I do not. 

At their insistence, I have filed a police report. The report names me as the victim of Identity Theft. Resolving any claims with my bank is no longer an excuse to ignore me. 

Now their excuse is that " I'm not a customer '' i.e. I haven't ever agreed to their terms and conditions, which undoubtedly states they won't communicate with anyone but law enforcement on such matters ( which is how they are now obfuscating the process ). Thankfully, I never agreed to their terms and therefore I'm not bound by them. 

I have repeatedly made Venmo aware of the facts, the bank investigation, and the police report regarding my identity theft, yet they refuse to talk to me or even return my communications. 

I'm now re-filing my complaint with the CFPB to now include Identity Theft, and more specifically, I'm naming Venmo as a party to that crime since they refuse to discuss the issue and provide any documentation on the crime. 

Why does the government allow companies like PayPal/Venmo to hide behind these avoidance tactics? They are complacent in a crime. I'm the victim here, not them. 

I demand to be heard and my case resolved. Paypal Lawyer Mr. XXXX is utterly unresponsive and should be held to account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple dispute with Equifax. Equifax is reporting late payments on my credit file for a XXXX XXXX account that was closed and paid in full in XXXX. I have also contacted XXXX XXXX who indicates they have not submitted anything to Equifax. Each time I file a dispute which has been three times, Equifax adds another month to the late payment. This has been devastating and is impacting my credit reputation. I submitted a letter to Equifax asking for written documentation and proof that XXXX XXXX is submitting this information. Equifax will not provide any written documentation and keeps indicating that XXXX XXXX is submitting this information. I have attached written letters and disputes that were mailed to Equifax. I am very concern that Equifax is not accountable for these errors. 

I have attached a follow up letter with XXXX XXXX to show on XX/XX/XXXX they responded after I reached out regarding the late payments posted to my Equifax Credit file on XXXX and XX/XX/XXXX. To date this is the only documentation I have received from XXXX XXXX via mail.
Product: Credit card or prepaid card

Credit card company initiated dispute at my request. Then re-billed the item even after sending me a letter than I had won and the merchant had failed to respond. With no further correspondence from credit card company, they then rebilled the item on my account now saying merchant responded. Item still not received and credit card company is allowing fraud to occur to me and not properly filing  Federal rules.  This is for a credit to my account   XX/XX/XXXX  fo r {$48.00} and the rebilling of {$48.00}   XX/XX/XXXX .   <P/><P/> Time period for merchant to respond expired and merchant responded.  XXXX  out of Tennessee was extremely rude and advised they do not have to send consumer notice that item has been rebilled or supplied additional information, beyond the expiration of merchant 's time to respond, that item was rebilled. This is outrageous and violation of  Fair Credit Act.
Product: Debt collection

I contacted Credence resource management and let them know that this is a case of identity theft fraud and that this account does not belong to me and that I have active fraud alerts with all three credit bureaus and that no one from there company tried to contact me about and that they sent this into the credit bureaus without contacting me or following the proper procedures concerning fraud alerts. I asked for the account number which they did provide and made them aware that I have never lived outside the state of XXXX XXXX and that I had recently moved from XXXX XXXX XXXX to XXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, I notice 5 charges that was not authorized by me and that bank of America did not pick up,  I immediate lock my credit card and dispute the charges that were done in South Carolina, Florida and Georgia .  I call them and it has been more than 10 business days and they have not credited my account.  The fraudulent charges continue and I was issue another card.  However 10 business days has passed, XX/XX/2019 they still refuse to credit my account.Disputed charges XX/XX/2019     XXXX XXXX in South Carolina: XXXX      XXXX XXXX XXXX in South Carolina XXXX XX/XX/2019: 2 charges from XXXX of XXXX                                          XXXX XXXX  XXXX: XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

The first three payments were ok then I switched the method of payment and the next payment was ok then they went back to a previus payment method that was removed and caused overdrafts. I recieve terms that im not to file a dispute. My last payment was held for 4days and " returned '' I was kick off the app for 3 weeks and unable to connect with customer service. I have XXXX in a savings
Product: Credit card or prepaid card

They are charging foreign transaction fees on auctions on the statement thats on top of the foreign transaction fees disclosed at time of payment. The additional fees are without my permission consent or notice to me.
Product: Credit reporting or other personal consumer reports

XXXX ACCT NUMBER XXXX DATA BREACH OCCURRED
Product: Credit reporting or other personal consumer reports

MY CONSUMER REPORT IS REPORTING INACCURATE AND UNVERIFIED ACCOUNTS. THESE ACCOUNTA ARE A VIOLATION OF THE FCRA BECAUSE THEY HAVE SEVERLA INACCURACIES IN THE DATE OF LAST ACTIVITY AND THE PAYMENT HISTORY. ALL OF THESE ACCOUNTS ARE SHOWING DIFFERENT INFORMATION IN THE PAYMENT HISTORY, DATE OF LAST ACTIVITY/STATUS DATE BETWEEN ALL XXXX, XXXX AND XXXX. DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX ) ( XXXX XXXX ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HAVE UNAUTHORIZED INQUIRIES REPORTING ON MY CONSUMER REPORT. I DID NOT AUTHORISE THE ACCOUNT TO PULL MY CONSUME REPORT. THEY HAD NO PERMISSABLE PURPOSE AND IS IN VILATION OF FCRA LAW. DELELTE VERY INQUIRY I HAVE LISTED IN THE RESOLUTION AREA IN THIS COMPLAINT.
Product: Payday loan, title loan, personal loan, or advance loan

I have had this loan for a while, and it has multiple charges. I am having a hard time keeping up with the loan. There is an interest rate and a service fee. A fee that gets added every two weeks. It was stated that this loan was good because it did not charge interest fees. But it does. It charges that plus service fees. I was in EXTREME need of this money to fix my car, but now I can not afford the loan. I am struggling to pay it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit and found a account that wasn't mine I tried calling the company 's phone number just to find out it is a automated number and doesn't connect to a service representative and it then hangs up on you I have then went online to search for other numbers and have ran into the same thing saying this company does not have a phone service I have emailed the company just to have them tell me they are looking into it and then emailed me back saying we can no longer investigate this claim without a police report and still no phone to contact anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Explanation of items being disputed : My credit report includes a name that is different from mine. Each report lists the name/alias : XXXX XXXX XXXX However, my name is XXXX XXXX ; as listed on my birth certificate, and social security number. I have never opened a credit card or line of credit, and I am only XXXX years of age. I am a victim of identity theft and don't recognize the accounts on my report ( listed above ). The only loans that I have ever authorized are student loans and they are linked to my real name : XXXX XXXX. All other things on my credit report, previously or presently are fraudulent. Please investigate these claims and have them removed from my credit report. I have made disputes in the past and had them removed as they were also fraudulent. Some of the past reports stated credit cards in my name before I was the age of XXXX. I have suspicion that my social security number has been breached and I am a victim of identity theft and fraud. 
Thank you for your assistance.
Product: Credit card or prepaid card

I logged in to my Banana Republic credit card management portal ( XXXX XXXX ) to see how many points I have to purchase new clothes and it says that my account is closed. I just made a large purchase last month and paid it off in full and have never been late. They closed my account for no reason given and without contacting me first. Everyone should cut up their OldNavy/Gap/Banana Republic cards because Banana Republic does n't want the benefit of the sales from these cards or what? BR needs to get rid of XXXX XXXX. I ready tons of complaints that they are just canceling cards left and right for no reason. Blaming it on inactivity ( which really means, not carrying a balance often enough ).
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the XXXX XXXX Data Field Formatted Reporting Standards, as per CDIA guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within XXXX business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX  XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 u.s.c. 1681. 
Account Name ... .... XXXX XXXX XXXX .... Account # XXXX .... Account Name ... XXXX XXXX. Account Name .... XXXX XXXX XXXX XXXX 
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 reports 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. 1681 S-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a 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

the accounts listed have been properly discharged by the IRS Please make sure that THE ACCOUNTS ARE UPDATED TO PAID IN FULL CORRECTLY this was date XX/XX/ here is the evidence it was accepted by the IRS. this was the date XX/XX/ it was mailed. I AM ATTACHING ALL EVIDENCE OF THESE DISCHARGE. 

MY COPY B FORM ACCEPTANCE EMAIL. 
AND USPS OFFICIAL COPY B TAX DOCUMENTS MAILED ON CREDITORS BEHALF.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third pass with XXXX ( account number XXXX ). I settled this on XX/XX/20. XXXX agreed to delete it from my file. In XXXX they left a balance of {$320.00} on the record on Experian. We disputed it again. They removed the $ XXXX..but did not remove the collection ( as agreed upon with payment )
Product: Debt collection

This company contacted me stating I owed a debt that didn't exist. I contacted the original healthcare provider to confirm this. The healthcare provider sent all supporting documents showing I owe no debts. This company stated to provide all supporting documents in which I did. Now they are not responding to me when I ask for confirmation. I have sent four emails asking for assistance. They only continue to send me letters in the mail and ignore what I have provided.