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

Formal Complaint Against Toyota Financial Services for Unresolved Refund.

I am filing a formal complaint against Toyota Financial Services ( TFS ) for their repeated failure to process a refund of {$2900.00} for a canceled service contract. This issue has been ongoing for over three months, with numerous delays, reversals, and lack of accountability from TFS. 
Background and Timeline : - Service Cancellation : I purchased a service contract through a Toyota dealership but canceled it on XX/XX/year>, after determining it was unnecessary. XXXX XXXX XXXX confirmed the cancellation and promised to issue a refund to TFS. 
- XX/XX/year> : XXXX XXXX XXXX issued a refund check, but TFS rejected it due to insufficient funds. 
- XX/XX/year> : I requested XXXX XXXX XXXX to reissue the check, which they promised to do, but the refund never appeared on my account. 
- XX/XX/year> : XXXX XXXX XXXX issued a third check and confirmed delivery. 
- XX/XX/year> : TFS  confirmed receipt of the check and assured me the balance would be removed from my account within 24 hours. 
- XX/XX/year> : I checked my TFS account balance through the app and saw the refund was applied. I took a screenshot for documentation. 
- XX/XX/year> : Upon checking my account, I found that the refund had been reversed. I contacted TFS customer service, and they claimed the check was rejected due to insufficient funds, providing no further explanation. 
Key Issues : - Repeated Reversals and Delays : TFS has confirmed receipt of multiple checks but has either rejected them or reversed the refund without explanation. 
- Lack of Accountability : TFS continues to partner with XXXX XXXX XXXX, whose inability to issue valid checks is causing significant delays and stress for customers. 
- Ongoing Financial Burden : I canceled this service in XX/XX/year>, yet the balance for the canceled service still remains on my account, causing unnecessary financial strain. 
- Poor Communication : TFS has provided no written confirmation of the refunds status, leaving me to follow up repeatedly without clear resolution. 


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

Subject : Request for Action Regarding Equifax Data Breach Failures and Incorrect Information on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint and request your assistance regarding issues with my credit report from Equifax, which I believe are related to the recent data breach. Despite my efforts to resolve these problems directly with Equifax, I have experienced continued inaccuracies and failures in addressing the following issues : Failure to Block and Remove Incorrect Accounts : I have several accounts on my credit report that I believe were incorrectly reported or associated with my name due to the Equifax data breach. The following accounts remain on my credit report, and I request that they be removed or properly investigated : XXXX  Account # XXXX ( opened XX/XX/XXXX ) XXXX XXXX Account # XXXX ( opened XX/XX/XXXX ) XXXX XXXX Account # XXXX Account # XXXX ( opened XX/XX/XXXX ) XXXX Account # XXXX ( opened XX/XX/XXXX ) XXXX  Account # XXXX ( opened XX/XX/XXXX ) XXXX  Account # XXXX ( opened XX/XX/XXXX ) Failure to Remove Incorrect Hard Inquiries : My credit report also shows several hard inquiries that I do not recognize or believe were incorrectly added due to the breach. These inquiries include : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Update My Address : I also request that my address be updated to my correct mailing address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX.Despite numerous attempts to work with Equifax to resolve these issues, they have failed to address my concerns in a timely manner. I am requesting that the CFPB intervene and ensure that the incorrect accounts and hard inquiries are removed from my credit report, and that my address is updated accordingly. 

Please let me know if any additional information is required to process this complaint. I appreciate your attention to this matter and your assistance in resolving these issues. 

Thank you for your time and consideration. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Experian has not provided information on how this information was verified remove it asap
Product: Credit card or prepaid card

ELAN card services, the servicer of my fidelity rewards visa, continues to decline legitimate transactions. This is apparently due to false positives on their fraud model. I've contacted them multiple times on the past few days, put a travel note on my account and asked to receive fraud notifications. Despite this, they continue to decline transactions without sending me notifications.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, XXXX and XXXX, alleging systemic issues such as failing to forward consumers provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures aligned with my experience, where Experian, XXXX and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as Experian 's, XXXX and XXXX inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

WELLSFARGO SENT MEDIATION REQUEST TRACKING NUMBER XXXX. 

I SENT THE UPDATED FORM 3 TIMES FROM PAST 3 MONTHS AND THEY KEEP CLOSING AS DUPLICATE REQUEST FROM LAST YEAR. 

WellsFargo is not making any sincere effort to resolve the case when they themselves sent me the mediation form. When they sent the mediation form they agree that it can go thru mediation process.
Product: Checking or savings account

Chime Financial, LLC completely restricted access to my bank account due to suspicious or fraudulent activity. 

Over the last three days, I have been on the phone four separate times. I have verbally verified all of my personal information on every recorded phone call, I have emailed them pictures of my drivers license, SSC, and a W2 all as requested. I have done all of the above many times, they repetitively ask me to verify the same information. 

They are now requesting me to send them a selfie, and are refusing access to my bank account until I email a selfie to their support team. Ive discovered multiple multiple lawsuits and court cases out against this institution for the same reason, among many others such as fraud, breach of contract, and many more. 

In their privacy policy, they specify that they only request name, email, phone, address, and social to verify a person. It is not stated that they ask for pictures of any documents, let alone a selfie of the individual. This has to be breach of contract
Product: Bank account or service

My wife and I have had a Merrill Lynch XXXX " wrap '' account for about 25 years. My wife also has her own Checking/Savings account at Bank of America, Merrill 's parent. She deposited a check against her B of A account into the Merrill Lynch account at a B of A ATM. One week later, the funds were still not in the ML account. This has never happened before in the many other instances she has done the same exact type of deposit transaction. I asked her to check her B of A account activity and, sure enough, her balance was lower by the amount of the check ( {$1500.00} XXXX. I called ML 's customer service rep and was told that checks can " take up to 8 days to clear '' and appear in the account balance EVEN IF THE CHECK IS FROM B OF A, THEIR PARENT! I asked, " if the funds are already out of my wife 's B of A account but not yet in mine, where are the funds right now? I was provided no answer to this seemingly simple question. Are they ( BofA/ML ) deriving some benefit from holding my funds temporarily?
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN THIS DOES BELONG TO ME. I NEED HELP TO GET THIS REMOVED FROM MY CREDIT. I NEED HELP. THEY ARE BOTHERING ME, THEY DONT STOP CALLING WHEN I SAY STOP XXXX  XXXX  Reported : XX/XX/XXXX {$700.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$180.00} XXXX Reported :XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I opened a car loan with Consumer Portfolio Services , Inc back in XX/XX/XXXX and did a voluntary surrender of my vehicle in XXXX XXXX due to the following reasons ; 1. unable to pay down the principle balance since XX/XX/XXXX Original loan amount was- {$21000.00} Interest paid- {$18000.00} Principle paid- {$1700.00} Additional fees- {$1400.00} So, in 5yrs over {$18000.00} was paid in interest alone and nothing towards the principle balance. Consumer Portfolio Inc, was never willing to explain why I paying so much in interest and continued to add late fees and interest on top of interest. Recently, I received a letter from CPS, Inc dated XX/XX/XXXX on XX/XX/XXXX which was an " Explanation of Calculation of Surplus or Deficiency ''. I contacted CPS, Inc on XX/XX/XXXX to get my balance and see if I could set up a payment plan for the remaining balance. The total amount due on the letter is {$11000.00} and when I called they stated my balance was XXXX, when asked why the difference from the letter I was told I was 159 days past due when I disputed the fact CPS, Inc could not provide an explanation and I was transferred from person to person. Finally, I was told that on the {$11000.00} balance that I was being charged {$4.00} a day/ {$130.00} per month in interest and again I am back in the same boat with CPS Inc , where I am only paying interest so I am in a never ending cycle of interest where in the end I will have paid almost $ 40k or more on a $ XXXX car that was bought in XXXX. They have been unwilling and unable to explain the fees and interest to me nor have they wanted to work with me during these difficult times. I have done research on this company and noticed several lawsuits and complaints regarding the same issues with people never being able to pay down their car loans. At one point they were calling me several a times a day harassing me and making threats for me to pay hence why I made the decision to surrender the vehicle because even after making my monthly payments since XXXX I was still unable to pay it off. Even as of my most recent call with CPS, Inc XX/XX/XXXX I am still being bullied and forced to pay outrageous interest fees without explanation.
Product: Student loan

My Discover private student loan was transferred and sold to XXXX. When deciding what private loan company to use, Discover was the best option for me due to their grace period of repayment, to begin XXXX years after graduation. I graduated this XXXX, and was surprised to see Discover student loans going out of business entirely. Once the loans transferred over to XXXX, the grace period ended completely. I was then told I began to owe over {$1400.00} a month in repayment beginning XX/XX/XXXX, just a little over a month after transfer. Ive contacted customer service about getting relief, to which I get no response or help from. Im XXXX, in current search of a job, with no way of paying {$1400.00} a month for my loans at this time. They dont care about that, and havent helped me at all. I feel as if the rug was pulled out from under me.
Product: Mortgage

I received a check in the mail from my mortgage servicer stating that I did not send enough to re-instate my loan. I have been sending them money on a regular basis since I regained employment. I am trying to catch up on my payments as fast as I can. Why are n't they accepting this payment when they accepted previous payments and payments since this payment? Help me stay in my home! I 'm desparately trying to catch up on my mortgage that was already modified once!!
Product: Credit reporting or other personal consumer reports

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. Moreover, they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Money transfer, virtual currency, or money service

Robinhood cryptocurrency orders were delayed on XX/XX/XXXX from XXXX - XXXX. At this time, the price fluctuated dramatically and I was unable to complete trades. The trades that were completed were not at the prices promised. This caused me to lose aprox. {$50.00}. I am looking for this credit. Robinhood did not give an appropriate response for weeks and has then not been able to answer what the criteria are for credits, and refuses to budge on a " final decision ''. This should be investigated.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. My awareness on this matter is nil, and the company proceeded without my approval.
Product: Credit card or prepaid card

Every time when I try to build available credit on my dental finance account. They take credit away from me now I only have {$75.00} available credit which I can't use for dental services. This is causing me mental distress which I shouldn't have to go through. I had {$200.00} available credit now it has been taken from me. It seems to me they don't want me to use my account anymore.
Product: Credit reporting or other personal consumer reports

These agencies are not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified.
Product: Debt collection

I have not received the XXXX for the charged off debt that's reporting to my credit report. SYNCB/ NETWORK is supposed to comply and send a XXXX to report the income but they never did. which means they can not inaccurately report a charge off, and its prohibited for alleged creditors to report income on my credit report. Charge offs are consider taxable income. It's a violation and prohibited for INCOME TO BE REPORTED ON A CONSUMER REPORT,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on my credit report, it has been well over 30 days and I haven't receive any investigation results.
Product: Debt collection

Did not provide me with any verification that this belongs to me. I have sent two letters to them with know response. I have sent a certified letter with return receipt. This was removed from my credit report and put back on as a new collection, according to the laws written they are in violation.
Product: Credit reporting or other personal consumer reports

For the last few years, my personal information has been leaked from several corporations, which they called a data breach. Lately, someone has stolen my personal info and used it for their personal gain. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally express my dissatisfaction with Zelle 's user interface and transaction process, particularly regarding the lack of an opportunity to review transaction details before completion. During transactions, I was unable to confirm that the recipient information matched my intended details prior to sending. This lack of a review step resulted in an error that could have been avoided. Despite reaching out for assistance, I was informed that the transaction could not be reversed, highlighting a significant gap in consumer protection and usability. This issue reflects broader concerns about Zelle 's prioritization of user safeguards, as highlighted in recent scrutiny of its practices.
Product: Credit reporting

I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME XXXX CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.
Product: Student loan

Mohela required me to recertify my income in XX/XX/XXXX during the payment pause for student loans. Shortly after requiring recertification, all federal student loans were placed back into a pause in XX/XX/XXXX. I called in XX/XX/XXXX and they refused to revert the recertification that was not needed and that they never should have requested in the first place. They threatened me with a payment 4x my amount if I didnt do the recertification. When loans were paused again, this recertification should have been cancelled. I request the same rights as all other borrowers. They also still have not corrected my recertification date since it falls within 6 months of payments starting. It should be XX/XX/XXXX, not XX/XX/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 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 ( Original Creditor : 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XXXX, 2019, TRANS UNION RENTAL SCREE add a hard inquiries on my credit report per TransUnion.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit card or prepaid card

This relates to a credit card with Chase Bank. I was away from home in 2015 dealing with a family member in the hospital. I had cancelled a service Chase offered for a monthly fee by phone as instructed. Chase charged me again for the service I cancelled plus interest and late charges as I did not pay on time because I had not authorized additional charges so thought my balance was XXXX. The total amount was about {$170.00}. I had this credit card with them for about 15 years. I of course paid the small amount even though all of the charges were fraudulent. Chase reported the late payment to the credit bureaus. I made several phone calls and Chase refused to investigate or take any action even though the charges they reported were not authorized. They made it clear they did not care about my long relationship with them - the {$170.00} was all they cared about.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.