23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

( OPPORTUNITY TO CURE ) SOUTHEAST TOYOTA FINANCE has failed to perform after submitting numerous presentments. SOUTHEAST TOYOTA is still attempting to collect on an alleged debt which has yet to be validated. SOUTHEAST TOYOTA FINANCE represented by XXXX XXXX XXXX, have been highly misleading about their practices and have caused serious harm asa result of said actions. Furthermore, SOUTHEAST TOYOT FINANCE illegally repossessed my automobile, when they failed to provide a " NOTIFICATION BEFORE DISPOSITION OF COLLATERAL '' as required pursuant to ( U.C.C 9-611 ). SOUTHEAST TOYOTA FINANCE has now forfeited their " right '' to collect on this alleged debt as a result of said failure stated above. WITHOUT PREJUDICE, ALL NATURAL INALIENABLE RIGHTS RESERVED. XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

Per my previous complaint to you about a financial company I was fraudulently enrolled in, my bank gave me a provisional credit for money I lost to the scammer. Yesterday they took it back without notice claiming they found in favor of the scammer. They claimed they sent me an email on the XX/XX/XXXX about this. They did not. 

I reopened my complaint with them but they have in the past been lax in their responses to my complaints. More information about the offender, XXXX can be found in a complaint you forwarded to the FTC, who did noting on it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Acct Number XXXX, XXXX. {$550.00} XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX, XXXX. {$2500.00} XXXX XXXX Bank Acct XXXX XXXX, XXXX. {$520.00} XXXX XXXX Acct XXXXXXXX XXXX bal. {$3400.00} XXXX Acct XXXX XXXX, XXXX. {$2900.00} XXXX Acct XXXX XXXX, XXXX. {$3800.00} XXXX Acct XXXX XXXX, XXXX. {$3500.00} XXXX Acct XXXX XXXX, XXXX. {$6000.00} XXXX Acct XXXX XXXX, XXXX. {$1400.00} XXXX Acct XXXX XXXX, XXXX. {$1500.00} XXXX Acct XXXX XXXX, XXXX. {$3500.00} XXXX Acct XXXX XXXX, XXXX. {$3400.00} XXXX Acct XXXX XXXX, XXXX. {$1500.00} XXXX Acct XXXX XXXX, XXXX. {$4500.00} XXXX Acct XXXX XXXX, XXXX. {$1000.00} XXXX Acct XXXX XXXX, XXXX. {$510.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$2000.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$6800.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$1000.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$510.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$3500.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$2600.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$4600.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$1900.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$3500.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$9300.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$5600.00} XXXX XXXX XXXX Acct Number XXXX, XXXX. {$5800.00}
Product: Credit card or prepaid card

I do n't have info on specific dates and times because I called them every time. They should have those records. I did contact them on  XXXX  last week where they said they 'd call me and have n't yet. Basically, I closed my bank account ( thank  XXXX   )  and ordered a new credit card as far back as  XXXX . Since then I 've talked t o 5+  agents who all said they changed my address and I 'll get my card through rush shipping. I 'm getting charged all sorts of late fees when I have n't even been regularly billed! Now that I am getting billed, they can only seem to send bills, not my credit card. 4 months later. No card, but I 'm still getting billed for each time they do the rush shipping. And my online account has been locked so I have n't been able to change anything on my end. Absolutely ridiculous.
Product: Credit reporting or other personal consumer reports

My Milestone Mastercard is lost/stolen and has fraudulent transactions on the account. I want Milestone to immediately close the lost/stolen Mastercard account . I want XXXX and XXXX to immediately delete and remove the lost/stolen Mastercard account from my XXXX and XXXX credit report. I want XXXX and XXXX to report this information to XXXX XXXX and Milestone. My Milestone Mastercard Account Number is : XXXX.
Product: Credit reporting or other personal consumer reports

I had an American Express, platinum card and an American Express, Delta card and on the cards. It says that there's multiple months where there were thirty and sixty days late, however, I made the payments. And then I kept getting calls from American Express. And they would tell me that I could only pay if I call them which was weird because I have up to that point paid online. And when I tried to actually call and talk to somebody about it. I'd be on the line for 3 hours. And I get ahold of one division and they send me to another division and the send me to another division. And I never got any resolution, and this happened multiple times. And then, without notice, canceled both of my cards. Been making all my payments online. Additionally, American Express would not honor the XXXX so I actually had to follow complaint with a better business bureau and after I filed a complaint, they finally honored it. I even went as far as to pay off the platinum card in full approx $ XXXX. To this day I don't know why any of that happened the way it did. And now I'm stuck with delinquent marks On two closed account one which I paid off in its entirety on my own and. I would like to at least have those delinquent remarks taken off.
Product: Credit card

American Express is not allowing me access to my Membership Rewards points after I have earned the points. I have an upcoming flight I need to transfer my points to and it 's frustrating how they advertise their rewards program and not allow you to use it. American Express refuses to let me speak to the department that handles it and refuses to give a timeline on when it should be resolved.
Product: Credit reporting or other personal consumer reports

someone has been using my identity and trying to open credit cards and lines of credit using my personal information
Product: Money transfer, virtual currency, or money service

I transferred funds in the amount of {$10000.00} from my XXXX account to my Coinbase account XX/XX/XXXX using my EOS wallet transfer address. It shows completed XX/XX/XXXX at XXXX via XXXX account. MY coinbase XXXX  wallet was the receiving end and I've exhausted all measures to try to contact them, and see what has happened with my funds. I have not received any confirmation from Coinbase nor at the least, a pending transaction. It's as if the money just vanished. I have checked over and over to ensure I sent to the correct wallet address and tag/memo ( no error on my end ). I understand coinbase is a very busy company, but to go this long without a response is just inexcusable. These are funds that are meant to pay for my wedding coming up XX/XX/2021, and I've tried to express that through my complaint. All I ask for is a confirmation of my funds pending or received. I'd appreciate anything you could do for me at this point. Again this money was being used for my wedding so it puts me in a desperate situation for the reasoning of this complaint. 


Respectfully, XXXX Due to the nature of security I will not post my transaction hash number but I will provide the original case number Case # XXXXand new case # XXXX I've filed to Coinbase which has that hash information provided in the complaint.
Product: Credit card

Capital One is constantly misleading consumers about low-interest promotions. 
As result, I will end up paying over 20 % interests on those old purchases, not just on the balance additional purchases at the end of the promotional period. 
The promotional notes that I received on the advertising materials do n't disclose the rate increases at all, while I 've just been contact by Capital One sharing " good news '' stating that my account it is eligible for a lower annual percentage rate ( APR ). So, to make the notice prominent enough, Capital One is creating the " impression '' that higher rates wo n't apply and it will go down to a standard purchase rate, but without communicating the actual rate.
Product: Debt collection

I received a letter from Devt Recovery Solutions LLC on XX/XX/XXXX that stated they are trying to collect a debt to XXXX XXXX XXXX. They claim I owe a medical bill from XXXX, which is false information. This is an old debt that was paid off in full in XXXX. I believe they falsely got my information via a data breach and are trying to steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my Equifax credit report last checked on XX/XX/XXXX Confirmation # : XXXX there is an account that should not be on my credit report. I have tried 5 times in XX/XX/XXXX to remove a XXXX XXXX XXXX account from my credit as inaccurate information is being reported. I have found a major discrepancy and I have tried many times to correct the issue directly with XXXX XXXX XXXX and Equifax as well but have gotten no where with the issue. The date of first delinquency on this account is incorrect. Back in XX/XX/XXXX the car that I had financed at the time through XXXX XXXX XXXX was repossessed. For some reason they are reporting to Equifax that the date of first delinquency was on XX/XX/XXXX. It is impossible for a car to be repossessed by the bank if the consumer is not past due therefore the date of first delinquency is incorrect. The other inaccuracy I found was that the 81 Month Payment Chart does n't even match the date of first delinquency. For the 81 months shown on the payment chart it is full of NR ( Not Reported ) or CO ( Charge Off ). On the 81 Month Payment chart on XX/XX/XXXX which is the supposedly date of first delinquency XXXX XXXX reported NR ( Not Reported ). If I were delinquent on that date the 81 Month Payment chart should reflect a 30,60,90,120 etc showing some sort of proof that I was late. The information that they are reporting within itself does n't match. Let alone it is the incorrect date. If the account would be reported correctly with the correct date of first delinquency being XX/XX/XXXX when the car financed was repossessed the 7 years from that date would of been in XX/XX/XXXX meaning that this item would no longer even be on my credit report. Please review the details of this account carefully as you will find exactly what I am referring to and see that this account should be removed from my Equifax report. One last thing I would like to add is that XXXX  and XXXX removed this account on their own as they had the correct information being reported at the time and automatically removed the account at the 7 years from the date of first delinquency. Equifax is the only bureau with the problem.
Product: Mortgage

I applied for a fixed loan at BankAmerica I just received notice that my application was denied do to that fact that I bought a property during the process. I disclosed such to the bank. 

I have a credit score of XXXX. Network {$7.00} XXXX. Been with the bank for over 50 years. 

Have an existing HELOC with the bank of $ XXXX, with a drawdown of $ XXXX. I was attempting to close this with the fixed loan. 

I can only surmise I was denied due to age discrimation. I am XXXX.
Product: Money transfer, virtual currency, or money service

Unable to receive my money back when accidentally sending to the wrong recipient.
Product: Vehicle loan or lease

I lease a XXXX XXXX XXXX, with a lease through XXXX XXXX XXXX. I make the lease payments online. Today, I signed into the XXXX website to schedule a payment. A pop-up notice warned me that starting XX/XX/2018, online payments will incur a {$3.00} fee. The fee is not charged to Auto-Pay customers, who have the money automatically withdrawn from their bank account. This fee did not exist, and was not disclosed, when the lease was signed, and is a material change in the lease contract. I submitted a complaint to XXXX, and am submitting this complaint for your review and action. A screenshot of the fee notice is attached.
Product: Debt collection

My name is XXXX XXXX, D.O.B XX/XX/XXXX and Social Security Number is XXXX. On XX/XX/XXXX I discovered L J Ross Assoc for XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately
Product: Vehicle loan or lease

XXXX granted me an extension on XX/XX/XXXX and failed to process the extension. They then granted me two extensions to make up for their error and then deceived me in regards to their processing of the extensions and the negative effect what they were going to do had on me and my credit. Instead of granting the XX/XX/XXXX extension they promised, they back dated my XXXX payment which made me appear late In XXXX, then then reported the delinquency to all three credit agencies. I have had to dispute Exeters incorrect reporting to all three credit agencies on four separate occasions, beginning in XX/XX/XXXX. All four have been corrected but were reported incorrectly be Exeter and would not have been corrected if I had not checked my credit reports and disputed. Exeter then sent me a letter saying their reporting to credit agencies is accurate. I then viewed all three of my credit reports that show Exeter again has reported incorrectly and I have all the documents to prove. Exeter has failed to create a procedure that eliminates the incorrect reporting. The incorrect reporting has led to increased interest rates on loans I have taken out and cost me more. I have also been declined credit and housing due to their incorrect reporting. I have called Exeter 15 times in XXXX to report consistent overcharging and incorrect billing statements. I was told everthing was accurate. I audited my account, against their statements, and my bank and was overcharged over {$100.00} in the last year. When I brought it to the attention of the CEO, the OOP, and XXXX XXXX it was ignored. If all of Exeters borrowers were overcharged {$100.00} this year alone and ignored, that is unlawful overhead. Approximately 10 of my calls were related to questions regarding Exeters standard business process as it relates to extensions and repossession. I was told there was no standard business process in regards to extensions. I was told once they were offered, I was next time they were not-then on the same call I was granted one. I asked at the call what the standard business process was and the representative could not communicate one. I told him with out standard process discrimination came into play and he agreed. That extension was not processed. XXXX XXXX called and then granted me two extensions, I asked her what standard business practice was and she said she had the leeway to do whatever was needed. She then processed two extentions and failed to inform me of the actions she was going to take that negatively impacted me, see paragraph one. I then reached out to the CEO on XX/XX/XXXX and asked for their standard practice and time line in terms of repossession. All of the above and the fact they financed a {$9000.00} for {$35000.00} has pushed me into job loss and bankruptcy. I told them I needed to know time line so I could manage everything and surrender the car if needed. I have sent two inquiries to the CEO, Office of the President and have been ignored. Exeters actions violate Consumer Law, have cost me greatly and their lack of standard business process and service makes them a discriminatory predatory lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below me XXXX XXXX XXXX Account number XXXX Items Highy Requested The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The Valid documentation used to validate the dispute. 
Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. 
IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these
Product: Debt collection

Truist Bank is reporting a settled account inaccurately from five years ago. The account shows {$3400.00} balance when the amount was mutually settled in 2018. Truist reports the amount to XXXX as open and no XXXX balance per agreement. It is inaccurate and should be deleted per the FCRA and my scores with XXXX should be updated. The notation should be PAID AS AGREED and no further credit reporting to any agency. 

These items were also disputed during Covid and Truist illegally sought to collect these items after they had been paid and agreed. Call logs with XXXX & XXXX XXXX years ago were not updated during the merger.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ,15 USC 1681 section 604A section 2 also states, a consumer reporting agency can not furnish in account with out my written instructions, under 15 USCS 1666 B 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: Mortgage

To Whom It May Concern : We recently sold a house. Our settlement was supposed to have been XX/XX/XXXX but due to the gross negligence of the mortgage lender for the buyer of our house, our settlement ended up being pushed to XX/XX/XXXX. We did not become aware of the need to push the settlement one day until the afternoon of XX/XX/XXXX. Because of this last minute change, we incurred substantial out of pocket expenses totaling {$840.00} ( boarding charges for pets, storage of items on moving trucks, lost wages, and costs for temporary internet coverage to support home based business ). It came to our attention that the mortgage lender had the wrong settlement date in the file which caused this delay. I reached out to the mortgage lender on XX/XX/XXXX asking for reimbursement of these expenses but he is denying responsibility.

Our real estate agents were assured Tuesday XX/XX/XXXX afternoon everything was on track and that they were only missing a couple pieces of information. It was not until noon on XX/XX/XXXX that my real estate agents finally called XXXX  after not hearing from him and he informed them that settlement was being pushed a day.

The mortgage lender that worked on this file was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

We paid our mortgage off months early trying to help with our finances, USDA then told us that they would send us a congradulation on paying off your mortgage letter.Instead what we got was an amount added to our credit reports, ALL HAVE DIFFERANT AMOUNTS OWED almost {$60000.00} added to our credit reports and they have late payments added to an account that says in GOOD STANDING while at the same time 3 months without a payment sent to them.There information has been incorrect for a very long time and they do not make any effort to correct it.We even sent a letter to them asking them to remove the late payments in GOOD FAITH because we made all payments and even paid off early.They sent a letter just stating NO.I have reported this to the three credit agencies and have done MANY dispute entries.NOTHING HAPPENS.The late payments they claim are late were never past the 3rd of the month and do on the XXXX, never XXXX days late as they claim.The only information they ever sent us was a letter stating that they would not forgive because of good faith, even though we paid early.They have a lien on our home for that {$60000.00} for subsidy recovery and this hurt our credit probably beyond repair for many years.
Product: Debt collection

I checked my telecheck report and was advised that I have XXXX collections showing on there from XXXX for XXXX and XXXX in XXXX for XXXX. I sent in a dispute with Telecheck and advised them that I do not write checks for anything and the transactions was fraud. Telecheck did their investigation and removed off the XXXX for XXXX , but the XXXX for XXXX are still showing active. Since I have communicated with them they all of a sudden sent the collections account to a 3rd party recovery service TRS. From XXXX it has been with TeleCheck this whole time and when I communicate and dispute the accounts they want to send it to a collection company. The collection company TRS has now obtained the accounts and since added additional fees in regard to the XXXX remaining accounts. I have submitted my complaint with TRS on their site along with sending in the Forgery/ Identity theft declaration form that they sent in my packet to advise me that they have obtained the accounts.
Product: Credit reporting

My account shows an address that I have never used before and believe im a victim of credit card fraud
Product: Checking or savings account

I opened a new account with synchrony bank. They accepted XXXX deposits totaling {$61000.00} ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX ) and then my account was marked " restricted '' and I was blocked from accessing these funds completely. On XX/XX/XXXX, I called to clear up the situation, and was told the restriction would be removed. After noticing that it was not removed I called back ( same day ) and was told it would tak 2-3 business days to resolve it. I waited 5 business days and contacted support via online chat. I was told it would still be 2-3 business days. I expressed my concern that this bank had accepted my funds and refused to allow me access to them, and was failing to follow through on their promise to resolve it in 2-3 business days, but they insisted there was nothing they could do but wait until it was relased by " the back office ''. This is unacceptable. I told them I would like to close my account and have the funds IMMEDIATELY transferred to my other bank, and they insisted that even if I close they account, they can't release the funds until the " back office '' removes the restriction.