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

I purchased a new XXXX XXXX in XXXX. At that time, I purchased additional actual Toyota products for many thousands of dollars. These products were wheel/tire insurance, windshield insurance, pre-paid Toyota maintenance , and a Toyota extended service contract. I decided to trade the car in. In the middle of XXXX XXXX XXXXXXXX, I cancelled these products. I received emails indicating the products were cancelled. Because there was a finance balance with Toyota Financial Services, the refunds for these items was to go back to Toyota Financial Services, which I was fine with. Toyota 's cancellation department indicates a check payment was sent by mail in XXXX XXXX XXXXXXXX. This were all Toyota products, services, and departments. The payment still has not been applied to the account and they can not indicate when it will be applied. Meanwhile, I am still paying interest on this balance and am left in a position where this detracts from my ability to trade the car in. Regardless of how they want to paint this picture through a maze of affiliates and other corporate structures, this is Toyota paying itself while I pay interest on money they already have. I did read on this web site that the CFPB has already gotten after Toyota for making it difficult to cancel these items. In response, it now appears they just make it difficult to get the refund applied.
Product: Credit reporting or other personal consumer reports

This company has been asked upon several attempts to provide a signature that connects myself to ownership of this debt and they are unable to provide the requested information. They have also violated a right to privacy by adding this account to my credit report showing multiple late payments. This account has been shown as updated and verified multiple times and that is not true so I am requesting this account be deleted from my credit report.
Product: Student loan

Ive been making payments faithfully for 3 years now to Navient. We have 2 loans through them and have been told multiple times that they can not combine accounts to make payment easier. 

At any rate, they have been sending bills and getting payment for the above duration. Again, 2 different bills. This month is the first time we have missed a payment on accident due to only paying one bill. I think we were 15-16 days late. I got no email, repeat bill via mail or call. I didnt even get a fee charged for being late. 

They called my mother 2-3 times a day looking for me over {$63.00}. Are you kidding me?!?! This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DOBXX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Dear XXXX  XXXX XXXX Im writing to your company today inference to the account number listed above. I recently view my credit report and disputed this information with the credit bureau keeps saying that the account is reporting correctly. I noticed some serious violation of the federal law. And the fair debt practices act on your behave first of all this account is charge off- you didnt indicate in your reporting who the debt was transferred or sold to major violation! 
Violation number 2 there is no dos or dola listed on the account. This is a violation! 
3 FCRA 623 states that the creditor must must enter a noticed of consumer dispute if this information has and must entered on the credit report you have failed to do this as well. 
1. Also you are reporting a balance on a account that you know longer own this is a major violation you are not allow to report a balance. 
2. Also you are reporting a past due balance on a charged off account if you charged off this account their should not be a passed due balance on a charged off account 3. XXXX XXXX XXXX there is a serious violation you are committed and you are not following the FCRA and the FDCPI ask that you delete this account from all three my credit file ASA If 4. You do not delete these serious Federal Violation immediately I will file suit you
Product: Checking or savings account

Deposits were reversed and later posted after transaction creating overdraft fees.
Product: Debt collection

On XXXX XXXX I called my local XXXX XXXX California branch to talk about my account. I was answered and given personal account information without verifying or authenticating I am account holder. I asked if anyone can call and get personal information with just my name, they yried to deny it stating she did not give personal information, but she did inform me about previous transactions on my account. I called again one week later to the call center to file a complaint, they said they were going to, but never happened. I called my local branch again to make sure maybe it was just that one call, they gave me payment information and debt information without verifying I am account not holder. I asked the associate why she did n't verify I am account holder because that is private information and I would n't want anyone to just call and get it, she stated that they are not required to ask questions to authenticate customers, when I asked her how is my information protected she then put me on hold and transferred me to the manager without telling me. The manager stated that they do normally ask questions but she does n't understand why I was complaining about this. I was also called on XXXX XXXX, to collect a debt that was n't due until XXXX XXXX, payment was not late yet, when I got in contact with them and asked them why are they making a collection call before me due date, and again did not verify me, her words were " I was just wondering if you were going to make it on time, " the company is one main, in XXXX XXXX, California. I received a call today XXXX/XXXX/XXXX from the call center, they again just gave me payment information without authenticating me, I asked how is my information protected and she stated they are not required to ask authentication information u till after the call and after all information is given. I feel my informative n is not protected and they are violating consumer information privacy.
Product: Mortgage

I requested all information under 1024.38 ( b ) ( 1 ) ( ii ). They only provided a small amount of the required information, and much of it was incorrect. For example, they show the original term of the loan was XXXX  months, which is incorrect. The original loan term was XXXX  months. Their balance also includes excessive and invalid property inspection fees, and does not reflect a payment made in 2019. 

Lender/servicer also needs to honor the 2019 modification agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
Company Inquiries : XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX, US SM BUS ADMIN ODA
Product: Credit card or prepaid card

I applied for an AmEx Gold Card, partly because there was a promotional offer to earn 75k points after spending {$4000.00}, and I had a big purchase to make which would help me reach that goal quickly. I also read that AmEx has an " Instant '' card feature, whereby you could get your card number immediately upon approval to use right away : the website says " Instant Card Number is available for all American Express Consumer Credit and Charge Cards. '' [ https : //www.americanexpress.com/us/credit-cards/features-benefits/digital-wallets/instant-approval-credit-card/ ] However, the language is confusing : while it says something about " eligible '' customers, it does not define eligibility in any meaningful way : only saying that it must " authenticate '' users. Because I have a strong credit score and history, I did not expect this to be a problem. 

However, after applying, I did not receive this feature, and chatted using their customer service chat. I got a lot of confusing corporate-speak, essentially telling me that I did not read the terms. I explained that I did, and that I felt as though this process were misleading : again, there is no detail on what makes someone eligible or not. More importantly, there is no way to opt-out of the application if one is not determined to be eligible. For a significant card benefit, I would think that I should have the right to cancel my application if I am determined not to receive this benefit. I was not able to make an informed decision about whether I actually wanted to proceed with my application. 
Instead, it just approved me for a card with different terms than I wanted. 

I was also concerned that I had now just had an inquiry on my credit report, which would " count against '' me. I asked to have this reversed and was told I had to call tomorrow during limited business hours. Online chat could not help me and there was no way to send an email or message. This is just ridiculous! If I could apply for a credit card and receive support online, why should I have to call the next day? I have spent over an hour now on this process, ultimately ending up without the card and now with my credit score negatively impacted -- and I'll now have to spend more time fixing this. 

I'm sure this is all above board legally, but I find it disingenuous and misleading. I should have known better.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX case : XXXX My Loan Care Mortgage Company Then on top of that, they refuse to accept my every other week payments. I have now overpaid {$1500.00} and they are still saying I'm late. I've called for them to accept this arrangment and they accepted. Subsequent calls to get the payments applied have been unsuccessful. This is affecting our credit scores because of their inability to apply payments and communicate with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions and XXXX is the only one with no help. I didnt authorize the pull of my credit from any of these companies listed below Santander Consumer-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I had sent in some sensitive documents for example, birth certificates all the documents that XXXX, transunion and XXXXXXXX request to freeze minor credits. XXXX had prompt service in gave my freeze pins for my XXXX XXXX  children.I sent in the information around XX/XX/2021 I have not heard anything from XXXX or Transunion. When, I try to call the company I can not talk to live a person, and when I did the customer service person said they do deal with that kind of thing. Im concerned about where me and my children sensitive documents went or who has them at transunion and XXXX.
Product: Checking or savings account

Well they werent helping at all with Zelle They are always charging a XXXX dollar fee i didnt know about
Product: Credit reporting

TransUnion is not accurately scoring me. I have done several disputes and the score keeps dropping. Something is wrong. 
My debt to income ratio is low, same job for 31 years, no mortgage, paid off high debt, very good salary - yet my score is hooverting around XXXX?????
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services ; XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to XXXX  XXXX XXXX And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From My Early Warning Systems Consumer Report and XXXX  Consumer Report. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.
Product: Debt collection

CFPB - XXXX I haven't been provided proof of a signed agreement and itemized transactions comprising the above debt. Only summary statements that aren't proof of the debt belong to me, especially since I've been subject to identity theft. I've asked for this to be provided many times, but there has been no resolution. So, before filing suit, I will attempt to ask one more time for those items, proving that this debt wasn't caused by my identity theft reported, as indicated in previous communications. South Carolina will require this information to be provided to my legal council as part of discovery.
Product: Checking or savings account

CHEX SYSTEMS IS STATING THAT XXXX XXXX XXXX SUBMITTED A NEGATIVE COMMENT ON MY CONSUMER REPORT ON XXXX/XXXX/XXXX. HOWEVER XXXX XXXX XXXX WAS NAMED AS A DEBT IN MY CHAPTER XXXX & CHAPTER XXXX FILING XXXX. THIS DEBT OCCURRED EARLY XXXX & XXXX AND THE NEGATIVE FILING WAS NOT FILED UNTIL XXXX AND SHOULD BE REMOVED BECAUSE I WAS PROTECTED UNDER THE BANKRUPTCY DURING THE TIME THE DEBT OCCURRED. JUST BECAUSE XXXX XXXX XXXX FILED THIS NEGATIVE INFORMATION AFTER THE DATE OF THE BANKRUPTY DOES NO HOLD ME AS THE CONSUMER LIABLE DUE TO THEIR DELAYS IN REPORTING TO CHEX SYSTEMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As  such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is XXXX XXXX # XXXX .... 

I've mailed 3 certified letters over a period of 3 years to Experian to verify this account belongs to me and they say that it does. How can that be if the account hasn't been updated in 4 years. Experian could not have done an investigation with XXXX and not have updated the account in 4 years. They lied. 

I want this account deleted from my credit report immediately or I will file a lawsuit.
Product: Money transfer, virtual currency, or money service

My Venmo account was suspended on XX/XX/year> for no valid reason. I sent in my ID for them to unlock it on that date and still have not gotten a response.
Product: Debt collection

On XX/XX/XXXX I was alerted by XXXX XXXX that Contract Callers Incorporated reinserted a previously deleted debt. Contract Callers Incorporated reported the collection date as XX/XX/XXXX. I believe this is an attempt to falsely reset the statute of limitations for debt collection. I was never notified about the reinsertion. I called and requested the false information be removed. Contract Callers Incorporated has refused to remove this falsified report.
Product: Credit reporting or other personal consumer reports

I have a total of 6 student loans. The loans were originally under XXXX XXXX but in XX/XX/XXXX all were transferred to XXXX XXXX. 
According to Experian Credit Bureau they are reporting 12 student loans in my credit report. Instead of showing the actual 6 loans under XXXX. Its showing that I have 6 under XXXX and 6 under XXXX which is INCORRECT. 
I spoke several times to the credit department at XXXX and they said that they transferred all 6 student loans to XXXX and XXXX should have continued those 6 loans but instead OPENED 6 new credit lines and this is what has caused the error on my credit report. XXXX said only XXXX can rectify this issue because it was their error. 
I have been going back and forth with XXXX provided all documents needed and they still failed to resolve the issue. I first reported the issue beginning XX/XX/XXXX a supervisor at their credit department told me it would be fixed in 2 weeks. Its been almost 2 months and absolutely nothing has happened. Due to this error my credit report is showing my student loan debt to be doubled the amount of what it actually is, its showing {$82000.00} in student loan debt which is completely FALSE. 
This is greatly impacting me in my finances. Please help.
Product: Credit card

I purchased a memory foam bed through XXXX XXXX on XX/XX/XXXX because they offer no interest financing for 2 years ( or even longer, but we opted for 2 years ). Not surprisingly, this offer is still listed on their website, here : XXXXHowever, this offer is serviced by Wells Fargo and they are refusing to honor the terms of this agreement. Wells Fargo started charging me interest on roughly half of the remaining balance starting in XX/XX/XXXX ( which is 14 months after the purchase ). When I called Wells Fargo customer service, the rude representative told me that " I signed '' an agreement saying that the no interest period was 12 months. That is n't mentioned in the agreement I signed. According to my records I did not sign any such thing. Unless they can furnish the document, then it did n't happen. Also, if the representatives story was actually true, why would interest charges only apply to a fraction of the remaining balance and not the full balance? Also why would it start to happen 14 months later instead of 12? I have n't used the credit to buy anything besides my bed and pillows. Somewhere a mistake has been made. Wells Fargo should not charge interest until XXXX XXXX as per their agreement! Which they are not honoring. So far I have accumulated {$330.00} of erroneous interest charges according to the statement on XXXX/XXXX/XXXX.
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5-step validation procedure which make this unfair practice. According to the FDCPA I'm entitled to {$1000.00} USD per violation and they clearly violated my rights.
Product: Credit card or prepaid card

Hi I have been a customer with AMEX for quite sometime. I have XXXX personal accounts and XXXX biz acct. I fell behind on my XXXX account over 30 days. The XXXX   account is in an XXXX. My XXXX accounts I have always paid within 30 days. I have had trouble paying my XXXX  account due to a XXXX XXXX. AMEX is hurting my credit report since they have closed both accounts and are not reporting my history of making payments. 

I am paying extremely high interest, The least that they can do is report my credit accurately.
Product: Debt collection

I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject XXXX promissory note and claim of ownership over my name XXXX XXXX XXXX. I command the Department of EducationXXXX with the account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, XXXX, and fairness in order for the Department of Education/XXXX  debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that the Department of EducationXXXX has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get XXXX to investigate several inaccuracies that have not be verified with proof on my consumer report. After the last disputes I made XXXX finally deleted only 3 accounts from my consumer report. I will like further investigation to be done for all disputed items and I will also like remedy in the amount of $ XXXX deleted from report on XXXX due to emotional, mental, and financial hardships this inaccurate reporting has caused me.
Product: Credit card

I was attempting a purchase for {$45.00} on the " XXXX XXXX  XXXX '' offered on the merchant site thru PayPal ( PP ). As shown on attachment " XXXX  XXXX, '' they obtained an authorization on my XXXX card for the entire amount ( which I understand, it was only an authorization, not a charge ). However, after taking authorization, they sent an e-mail ( " XXXX  XXXX '' ). When I clicked " Go to Message Center '' to view their response, " Paypal XXXX '' ( attached ) shows what I saw ... Impossible to read! 

I attempted to call PP to inquire at XXXX XXXX  XXXX ( " Paypal XXXX '' ). However they were closed, not opening for about 3 more hours, so I completed my purchase with the merchant, paying in full using another card. At XXXX XXXX  XXXX, I again phoned them. I inquired why and, of course, she couldn't provide me any information ( I guess their motto is " Keep the customers 'in the dark ' '' ). I requested she immediately close my PP account ( didn't have 'em before, don't need 'em, was just gon na use their money for free for a few weeks ). I further instructed her I wanted NO e-mail, spam, advertising, ABSOLUTELY NOTHING from PP PERIOD, except I would still like to know why, and informed her since she could NOT tell me, I would file a complaint w/CFPB! I would still like to know why they declined, and how they can do this to people... take an authorization for the entire amount ( which I understand, will drop off after a few days ), but then decline them AND NOT EVEN GIVE A REASON??? PATHETIC!