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

I leased a vehicle with Toyota Financial Services, and everything was going well until recently. I received a notification that my credit score was dinged prompting me to reach out to the service provider today. Upon my discussion with her, I read that my credit monitoring accounts showed that I had not made a payment for the month of XXXX, which was wildly inaccurate. My account had been set to an automatic payment plan to have some peace of mind, or one would hope. 

The vehicle is a XXXX XXXX XXXX  purchased in Nebraska while I was XXXX  at XXXX XXXX. In XXXX of 2021, I received approval to complete my service at XXXX XXXX in Utah. I notified Toyota and the whole process went a little too smooth, as that was when all the issues began. The kind representative assured me that all was taken care of, and to enjoy my time in the new location. Again, automatic payments were supposed to continue on to provide peace of mind, as there is much more to worry important things to worry about such as COVID running rampant, and the military lifestyle. 

Some time passed and I began receiving a ton of phone calls from a random number in California. With my line of work, I can not have a cell phone on me so I generally rely on people being kind enough to at least leave a voicemail when something important is ongoing. I finally was able to catch the number when I was available, and found that it was Toyota Financial calling because a small amount of money was owed. The amount was the tax difference between the two states that the first representative disclosed during the update upon transfer in XXXX. Money has never been an issue, so I agreed to pay it immediately and asked if the issue could be addressed to avoid further issues going forward. Once again, I was given reassurance that all would be taken care of for that peace of mind provided by automatic payments. 

Fast forward a few more months, and here we are again. Toyota Financial was blowing up my phone claiming that I missed payments because the amount being paid was incorrect. So, both representatives that I discussed the issue with prior did not take care of the issue, and this third individual I spoke with informed me that I had to do it myself. With every payment I have in a month, the amounts always vary and the amount is deducted regardless of said amount Again, I can not stress enough the peace of mind that comes with not having to worry about actually miss any payments. 

I fixed the issue, and Toyota reported that I missed XXXX 's payment by 30 days. It is ridiculous, as a steady payment has been deducted happily by the organization. How is it that Toyota Financial is the only company incapable of adjusting the amount being processed to avoid this issue going forward? Either way, I was confident that the manufacturer I loved would take care of me, but instead they take my money and kick me down without any remorse.
Product: Debt collection

PLEASE HELP ME, EVERY TIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is an effort to get an entry on my credit report removed, because it is not accurately reporting. The public record company on my credit report was asked to remove their entry off my credit report, and there reply was, they do not report to the credit bureaus. See attached response letter from US Bankruptcy Court,  XXXX XXXX of Texas, XXXX Division. 

I forwarded a copy of this response from the US Bankruptcy Court, XXXX XXXX of Texas, XXXX Division, and all three credit bureaus still refuse to remove the entry from my credit report. They received this information from XXXX, which is not a credit bureau, and considered a 3rd party that sells people personal information to the credit bureaus. The US Bankruptcy Court,  XXXX XXXX of Texas, XXXX Division where my case is, do not report to 3rd party information brokers or credit bureaus. That makes the information being reported inaccurate, and I am asking that it be removed immediately. I have sent correspondence to all credit bureaus, and 3rd party information brokers that have any of my information for sell to put a credit freeze on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

BRIDGECREST FORMERLY DRI Last reported XX/XX/2022 Reported 30 Days Late on XX/XX/2022 In Florida, in a county/area in which I am residing ( XXXX XXXX XXXX ) XXXX was declared a disaster area by the Federal Government, as well as a State of Emergency Declaration by the State of Florida. Despite knowledge of this, the company refused to work with me and still reported me anyway. I have paid 100 % of my payments on-time, and this was the only month Ive ever missed an actual payment reported to the Credit Bureau XXXX 

Throughout the entire COVID-19 pandemic, I legally could have declared hardship, and never did. They were ALWAYS paid, even if late - I never crossed the reporting threshold of 30-60 days. Instead of acknowledging this, they tanked my credit. I asked XXXX to investigate and they IGNORED the disaster plea I made due to Hurricane Ian. 

As companies that have been investigated by the Government for FRAUD, they are quick to punish hard-working Americans who still have tried to pay their bills - despite two simultaneous disaster qualifications by the State and Federal Government. This needs to be resolved because of the storm declarations and such as, they have no legal right to do what they are doing.
Product: Credit reporting

Accounts for XXXX on my Equifax report are listed as charged-off/bad debt. These debts were included in my chapter XXXX bankruptcy. I 've disputed with Equifax and the response I received is " This creditor has verified to OUR company that the current status is being reported correctly. '' I can verify this account was included in my CHXXXX, but they did not file a claim. I 've attached my Discharge recipient notice and can provide a copy of my CHXXXX filing if needed.
Product: Checking or savings account

On XX/XX/XXXX, my husband received a text saying that someone was using his card to buy XXXX. He doesn't have any account on XXXX so he didnt reply to the text. After 2 minutes or so, someone with the XXXX XXXX XXXX XXXX ( Wells Fargo customer service # ) started calling us. The Wells Fargo representative said that his name is XXXX XXXX and that his employee ID is XXXX. He told us that someone from Florida is transferring {$3500.00} from our account to a different bank. XXXX told us that someone else is using our XXXX account and has been transferring money out of our account. We do not have any XXXX accounts and XXXX said that is why the scammer is using our XXXX. He basically said that someone opened a XXXX account under us. So, XXXX said to go to our XXXX and reverse that problem. He asked us to make a XXXX account and he was sending us texts to our phones asking to verify the codes he sent to us. When we get to XXXX, there was a name already in the account ( XXXX ). We do not know this XXXX in the account. XXXX then said that this is the scammer taking the money away. He told us to register our name and phone number and emails because the money that we are going to transfer is going back to us. Since we are in a joint account he told us both to make separate transactions. XXXX then proceeded to make comments saying that the transactions were pending and that were currently not seeing it right now because Wells Fargo ( XXXX ) is freezing in on his side so that it will not transfer. He was able to take {$1000.00} from my husband 's account and another another {$1000.00} under my account. In the end, XXXX went to XXXX and ended up transferring {$2000.00}. After the transaction was done, he hung up and never heard from him again. We looked back into our account and the XXXX account that should have been me and it is already unregistered. Then we later read an email saying that my phone number is unregistered to the XXXX account even though we didn't do anything after the whole transaction. 

After the phone call with XXXX, we immediately called Wells Fargo to freeze our accounts and hopefully stop XXXX from getting the money out of our account. Then the real Wells Fargo rep told us to call tomorrow ( XXXX XXXX ) to finish the report because the fraud department is closed during Sundays. After freezing our accounts, changing username, passwords, debit cards, and account number, we waited for the claim and investigation to process. On XX/XX/XXXX, we received {$1000.00} back from under my husband 's account. However, after calling the fraud department once again ( XX/XX/XXXX ) for my claim, they said that they are unable to give us our money back because the transaction were under my username and it looked like I gave authorization to transfer funds. As I researched and looked about this situation, Regulation E protects me and that, like my husband, I should be able to get the money back. 

After calling Wells Fargo, I then decided to file a police report and file another one here in CFPB.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Checking or savings account

This complaint is about US Bank 's external money transfer fee of {$3.00} for any money sent out of one 's checking account to another bank. While I can understand they might charge the fee if initiated on their own platform since they need to create the systems to do such transfers ( even though other banks do not charge fees for either internal or external transfers ), after all it's their choice if they want to have a policy that puts them at a competitive disadvantage to other banks. However, they charge the fee even if the transfer is initiated at any other bank! This seems like they are holding my money hostage and charging an unfair fee since they aren't doing anything at all but releasing the money as they are legally required to. They don't charge fees for debit card charges, checks written to myself at another bank, etc., so why should they be able to take {$3.00} from my account if I ask my other bank to drag some money over? This seems like yet another example of banks nickel and diming users, likely without their knowledge before the fact ( I had to call the bank to find out they do this, and even then the banker I spoke with was unaware of this practice until confirmed elsewhere while I was on hold ), in order to boost their bottom lines. It's angering, frustrating, and further creates distrust between customers and the bank. I've asked US Bank for justification of this policy but have yet to get a response.
Product: Debt collection

I am not aware of this debt. Penn Credit Corporation is to show proof that I received a 5 day notice before placing this collection on my credit report. This is a violation of my consumer rights pre the FCRA If this account is not deleted from all XXXX XXXX  bureaus within 10 days I will be seeking to file litigation. 


See documents in below in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd written request to remove late payment reported in error. I had previously filed a claim with the Consumer Financial Protection Bureau ( Claim number XXXX ) to address this issue, but it was not resolved. XXXX must comply by continuing to send automated responses stating they are researching the matter. I have also provided documentation showing the triple payments made due to a scheduled XXXX. 
XXXX XXXXRemove Late- Account Closed/Paid - car that was totaled on XX/XX/XXXX. 
Remove late XXXX, XXXX, XX/XX/XXXX Account Paid as Agreed- 3 payments ahead on the account XXXX & XX/XX/XXXX -Paid -Record paid on time. 
In conclusion, I respectfully request that you investigate this matter and remove the inaccurate late payments from my credit report as soon as possible, in accordance with the Fair Credit Reporting Act ( FCRA ) section 611, which states that consumers have the right to dispute any inaccurate credit information. Additionally, under section 617 of the FCRA, any person or company who fails to comply with any requirement imposed under the FCRA with respect to a consumer may be liable for actual damages and fines of not less than {$100.00} and not more than {$1000.00}. Furthermore, as per section 1505 of the United States Code, consumers have the right to privacy in their credit information.
Product: Debt collection

I cancelled a membership with XXXX as the program did not help me. It was too hard and I needed to use something more at my level of knowledge. They were happy and kindly cancelled and set my account at a XXXX balance. Affirm was taking the payments, I called them and they said they still had not received the cancellation from XXXX but that it should take approximately 30 days. I kept receiving emails for months saying I owed them money, even though the account had been cancelled and it was well past the 30 days. I called them and they said they were still waiting. They now submitted this to a creditor who is saying I owed them a ton of money, I told them I had documentation that the account is at XXXX balance, and they asked me to email it to them at XXXX. I sent them the documentation. they said it could take 30 days to review, less than 30 went by and I received an email saying I still owed them money even though the account is at XXXX balance since XX/XX/year>, with XXXX. They reported this to my credit the same day and said they would give me a grace period to resolve it before they did this. I emailed them back and said I did not owe this money, and I was reporting it to the FTC if it was not resolved. 

The company 's name is XXXX, the website is XXXX, the account number ends in XXXX.
Product: Debt collection

This debt was settled and paif through True Accord and it still remains on my credit report. I would like it taken off of all 3 credit reporting bureaus
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

I contacted Wells fargo because they have a property that has been on the auction for almost three years now. I contacted the executives and got a response from a XXXX XXXX XXXX. He told me that the bank would not accept any offer lower than the reserve price which was XXXX under any circumstances and if the house did not sell after the date of the end of auction. The house would be giving to HUD. Two days later I check Auctions.com and the house is back on listing and XXXX XXXX dollars cheaper. I contacted XXXX XXXX and have n't gotten a respose yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact the bureau since XX/XX/2020 requesting the removal of 3 unverifiable bankruptcies reporting on my credit profile. Transunion claimed I need to send them information from the courthouse in order for it be removed. I have sent them a letter from the courthouse stating they don't report the information on my report. I also contacted XXXX in which they could not verify the information and sent it to them as well. Transunion has not removed the 3 bankruptcies even tho I sent them the requested documentation to remove the unverifiable bankruptcies.
Product: Credit reporting or other personal consumer reports

I SAW MY CREDIT REPORT AND WAS RATHER DISAPPOINTED BY IT BECAUSE THERE ARE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I have no idea on any of these accounts so please check the documents I've sent regarding this.
Product: Credit card or prepaid card

On XXXX I contacted my credit card company ( NFCU ) and reported fraud charges that were made in another country. I was in the USA at the time of these charges. 
My current balance at this time showed {$5800.00}. I was told there would be a temporary credit and once investigation was complete the credit would be permanent. 
The amount of the fraud is about {$2400.00}. 
However, today my balance in still {$5800.00} NFCU has not credited my account to reflect the fraud therefore will be reporting inaccurate information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Product: Debt collection

This agency/law firm/debt collector sent collection letters for an extended amount of time to the WRONG ATTORNEY IN WISCONSIN XXXX, WI. Per the XXXX XXXX XXXX XXXX XXXX, this complaint closed and the attorney was found to have made the error unintentionally. As of XX/XX/XXXX, a judgement for {$3400.00} was filed and ordered. Currently, incorrect information is listed on this case. The Wisconsin Public Records states for this case has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI as a c/o recipient to receive mail effective XX/XX/XXXX. This information is false. XXXX XXXX was not retained as my attorney for this case on that date. Neither XXXX nor I were aware of any attempt of debt collection prior to XX/XX/XXXX. XXXX XXXX XXXX, Attorney XXXX XXXX, admitted to mailing any and all collection documents to the wrong attorney. I, XXXX XXXX, was unaware of attempts for contact or collection in XX/XX/XXXX until I received solicitation letter mail from Bankruptcy Attorneys notifying me that I was being sued. Not only did this law firm send all attempts to collect debt to the wrong attorney, the county court house included the wrong address to send correspondence to after the judgement was filed. I will not receive any documents regarding a pending garnishment, nor will my attorney, since the debt collection law firm made valuable mistakes with legal documents. I was not notified in the proper amount of time to work out a repayment plan before a court date was scheduled. After the court date was ruled in favor of a garnishment, the debt collection law firm continued making mistakes when submitting information to the county clerk. As of XX/XX/XXXX, the name of the representating attorney is correct, but the wrong mailing address. This law firm should be held liable for malpractice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$1100.00} This same information was previously placed on my EXPERIAN CREDIT REPORT disputed and removed under the name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED XXXX XXXX XXXXXXXX XXXX  : XXXX BALANCE : {$1100.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED My personal identifier information is being passed from company to company without my prior knowledge or consent. I have requested validation of debt from 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 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.

Because I have yet to receive any documentation regarding this account that is being published on my personal credit report that Experian Credit Reporting is providing. I am request that this account be removed from my credit report IMMEDIATELY.
Product: Vehicle loan or lease

Well what happened I was in hospital having a XXXX due too so much stress going on and flagship towed my car which is fine but they could call me too see what happened and then the people they sent went in my car trashed it and didn't return my items they put some in garage bags but didn't get permission to enter the car but now I want me to pick it back up when I don't know what was done too it so I want to sue but I can have consideration but I don't know but some unlawful things took place that I'm not wanting to deal with I work for state so I'm not trying get in trouble for nobody..