23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX EXPERIAN XX/XX/XXXX TO WHOM IT MAY CONCERN.

THE ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, DELETE THE LISTED ACCOUNT BELOW IMMEDIATELY FROM MY CONSUMER REPORT. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX.
Product: Vehicle loan or lease

I previously submitted a complaint to the CFPB about this company without any remedy as the company closed the complaint before they addressed my concerns ( attached to this complaint ). So here I am once again, the consumer submitting a complaint on my own behalf with first-hand experience of the transaction. Toyota Motor Credit Corporation financed the deal for the truck that I purchased on XX/XX/2019 from XXXX XXXX XXXX in XXXX, Arizona. Toyota Motor Credit Corporation ( sponsor ) received the contract ( or receivable ), which they call a retail installment sales contract or note, and took the contract/receivable and transferred the contract/receivable to Toyota Auto Finance Receivables LLC XXXX XXXX XXXX XXXX After Toyota Auto Finance Receivables LLC took possession of the contract/receivable, it then went to Toyota Auto Receivables XXXX Owner Trust ( issuing entity ). Given that XXXX XXXX XXXX XXXX is responsible for " assigning, granting, transferring, pledging, mortgaging and conveying the Trust Estate pursuant to, and on the terms and conditions described in, the indenture ( the Indenture ) between the Issuing Entity and XXXX XXXX XXXX XXXX as indenture trustee ( in such capacity, the Indenture Trustee ) and to holding, managing and distributing to the holders of the Certificate ( the Certificateholders ) pursuant to the terms of the Sale and Servicing Agreement any portion of the Trust Estate released from the lien of the Indenture. '' This information is public knowledge and is located in the attached document that is filed with the SEC. This shows and is primie facie evidence that the contract/retail installment sales contract/note was accepted for value fulfilled the obligation that creditor alleges I owe. It would be an inequitable transaction for me to provide value in terms of the contract while also paying monthly payments to the creditor. I feel that I have been injured for this reason.
Product: Credit reporting or other personal consumer reports

There are 6 unauthorized inquiries on my credit report maintained by transunion that are not attached to any open accounts and should be removed immediately per 15 USC 1681 ( b )
Product: Consumer Loan

Their info and process is not transparent and dont give clear info. I paid a big chunk of my loan last year and they told me i have the payment due one year after. I still paid some before the next due date. I am paying more now than before even, but i still get few calls a day telling me i am behind and they will send me to collection and my credit will be ruined and they are charging more for finance charges. They are charging me 37 % interest and never decrease the payment amount due to lower total. The never give me clear numbers why and how they are charging me this much and why i am behind with higher payment with lower amount owing and still the amount owing keeps increasing. It is like contracting with devil.
Product: Credit card

I opened a US Bank triple cash card that advertises a {$100.00} credit after paying for a software purchase for 11 consecutive months. I began paying {$9.00} a month for an XXXX  XXXX XXXX on XX/XX/XXXX and have been paying it monthly since them. According to the terms, I would have met the 11 payments in XX/XX/XXXX. I did not receive the credit and followed up. I then called today XX/XX/XXXX and was told it could be 4 weeks until a decision was reached and a letter would be mailed to me. 

I would appreciate the credit now. I have met the terms. I have been paying consistently since XXXX of last year.
Product: Credit card or prepaid card

On XX/XX/2020 I made a payment in the amount of {$1000.00} to my credit account with Suntrust Bank whom Ive banked with for over 15years. My current credit limit was XXXX and my current balance before the payment was XXXX due to last months interest fees, however Ive always paid at least the minimum amount due on time. My payment was due XX/XX/2020 in the amount of only {$100.00} but again on XX/XX/2020 I made a payment of {$1000.00} to reduce my interest and lower my balance. This payment made my balance go down to {$1500.00} and my credit limit was still {$2500.00} giving me an available credit of {$1000.00}. On XX/XX/2020, before preparing to use my card, for some reason I noticed my available credit changed to {$990.00} but I didnt think anything of it, I then used my card to get gas ( because its a cash rewards card ) in the amount of XXXX making my now available credit XXXX, I again checked my account on XX/XX/2020 and it was still the same available credit, same {$2500.00} credit limit and now {$1500.00} as my balance. But as of today XX/XX/2020 upon checking my account I have seen my available credit dramatically reduce to {$130.00}, no interest charge nor fee was posted in such amount, I then come to find out my credit limit was decreased to {$1700.00} without my knowledge, without notification of a credit review, and without notification from my bank at all. I called and contacted them to find out why and how this was possible and the customer service representative told me sometimes they do review and reduce amounts but this was not communicated to me even amongst opening the card. Ive never experienced a credit limit reduction, but they basically took all of my available money on the account that I worked hard to be able to pay that could have been used to pay valueable bills. I asked the bank to reverse my payment but the representative advised me that it takes 3-5 days to review this request and it may be denied. I need that money back. I would not be making this complaint if I didnt. This is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  account number XXXX Net credit account number XXXX 15 U.S. C 1681 section XXXX A. States I have right to privacy 15 U.S.C. 
Section XXXX A Section XXXX it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( XXXX ) section states no 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 that XXXX  years. 
15 U.S.C. 16815-2 ( A ) ( XXXX ) 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 the information is accurate. I have no contract agreement with any of these companies I requested proof that I have a contract with the companies no one has provided proof yet
Product: Credit reporting or other personal consumer reports

You were notified in XX/XX/year> that several accounts were inaccurately reported, yet you failed to remove them after eight months. I am now pursuing arbitration for the following accounts : XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX. Please refer to the attached dispute letter, which is both dated and time-stamped, and remove these accounts from my credit report immediately. You have failed to provide the method of verification for nearly a year, which constitutes negligence. This ongoing false and illegal reporting has caused significant emotional distress and resulted in lost opportunities. XXXX has removed these accounts. I expect prompt action to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victim of identi ty theft ; SeeFraudulent Collection Account Summary below.

I want to emphasize that I did not authorize anyone to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report.

I did not receive any benefi ts, funds, goods, or services associated with the events described in the report.

Furthermore, I have no knowledge or informati on about the individual ( s ) who uti lized my personal informati on or identi fi cati ondocuments without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute packet to Transuion on Transunion states they did not receive my dispute until XX/XX/XXXX. I received a letter from Transunion stated they received addition information on XX/XX/XXXX regarding my dispute for XX/XX/XXXX. Unfortunately the postal service states they received my mailed dispute XX/XX/XXXX. Transunion advised me since the additional information was provided, which was nothing at all, they had until XX/XX/XXXX to finish my dispute results. This is in regards to a XXXX XXXX account. I received on several occasions XXXX XXXX validate debt by providing me with a copy of the contract and information related to the balance. I called and spoke with a representative on XX/XX/XXXX and was advised he was removing the account immediately. The next day I received a notification stating the account was going into investigation, which should have been on XX/XX/XXXX. When I called XX/XX/XXXX, the representative stated my account was going into " Maintenance, '' and that triggered something in their system. The reason was not provided. I requested a copy of the contract to initiate arbitration of this account and no response was provided. XXXX XXXX is reporting no payment history at all with Transunion. XXXX was showing a charge off on XX/XX/XXXX. XXXX XXXX was reporting this account to XXXX as a charge off on XX/XX/XXXX. I then filed a dispute with XXXX, XXXX and Transuion. The account was removed from XXXX and XXXX. Unfortunately Transunion did not remove the debt. If the debt is not removed I will file a second small claims suit XX/XX/XXXX, which is 30 days after receiving my initial debt. My first small claims suit was filed in XXXX of XXXX and Transunion settled XX/XX/XXXX for damanges. This is the second time Transunion has not removed debt with proof provided by the consumer and after the financial institution validated the debt via electronic means and not addressed the evidence provided. Please remove this account immediately.
Product: Debt collection

Credit adjustment inc has furnished this Alleged collection accountXXXX  Please be advised that I hereby dispute the validity of the alleged debt listed in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and an itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me.

( 4 ) Proof that this is an account as defined in Title 15 1693 A ( 2 ) the term account means a demand deposit, savings deposit, or other assetaccount.

( 5 ) Please send me a copy of any assignments of the promissory notes for the related student loans.

( 6 ) Please Send me a copy of the required written authorization received from me by the original creditor to provide a third party such as yourself with information on my behalf.
Product: Debt collection

My name is XXXX XXXX XXXX. I was audited by the Mississippi Department of Revenue for the tax years of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX and found to owe a little over $ 5K. I was notified of this debt in XX/XX/XXXX. I was in the middle of Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I also had no job. Unknown to me, my debt was turned over to the XXXX XXXX XXXX in XX/XX/XXXX but I was not informed until XX/XX/XXXX. I paid {$100.00} toward that debt via my XXXX debit card on the phone with the XXXX XXXX and received a confirmation email. It is also reflected on my bank statement. 

In XX/XX/XXXX, I received an email that in the opening statement says, " This will confirm that on XX/XX/XXXX, you gave our office checking information over the phone from the XXXX XXXX  XXXX XXXX XXXX per the SCAM outlined below. '' It is completely untrue and without merit. I ignored the email. On Friday, XX/XX/XXXX, I received a phone call from XXXX, Mississippi, from someone in the XXXX XXXX, verbally assaulting me regarding the " fact '' that I in XX/XX/XXXX I gave false banking information over the phone from the XXXX XXXX XXXX XXXX XXXX ; that I was part of a SCAM! I hung up, but not before I told the representative on the other end of the phone that I would report the phone call and the email to the Mississippi Governor 's office ( which I have ) and the Mississippi Better Business Bureau. I followed through with phone calls to both offices. 

These are the facts : 1. Until XX/XX/XXXX, I was unable to pay anything toward my debt except {$100.00}. 
2. In XX/XX/XXXX, I got a job with a sign-on bonus and offered to pay the original debt of $ XXXX to the Mississippi Department of Revenue and the XXXX XXXX. I was told that I would still owe a fee of over {$8500.00}, including the original debt including penalties, interest, and fees associated with the debt having gone into collection. I would still owe almost $ 4K, which I did not have. I was also told they would not negotiate any part of the debt until it had been in collections for at least one year. 
3. I am unemployed at present. 
4. I no longer live in Mississippi. 
5. I do not have the funds to pay the entire debt of almost $ 10K. 

I DO NOT APPRECIATE being accused of providing false banking information. I hold two current professional licenses as a physical therapist with fingerprints and have held six XXXX licenses in different states. My ability to maintain my license equates to my having nothing more significant than a traffic ticket or it would be reported to any and all state licensing boards. 

It is ABSURD that the State of Mississippi allows itself to be represented by the incompetent law office of The XXXX XXXX. 

I have documentation to support all of the above. 

Thank you, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX companies in which I never had accounts with reporting information on my credit report. I contacted the credit reporting agencies via phone to let them know and was told to contact these companies. 

I attempted to send a notification to this company and let them know of this inaccurate information but when I went to the USPS to send certified mail I was informed that these addresses can not be found in order to be delivered. These addresses are reporting on my credit report and they are not real addresses and I want this information removed immediately.
Product: Checking or savings account

XX/XX/XXXX I filed a complaint fraud via Wells Fargo, of {$1700.00}, 10 business days later they only paid me {$300.00} dollars, ( Ill upload the proof via pictures ), they proceed to close my account which I dont really care, but they didnt pay me my {$1400.00} balance that was stolen from my account, I called them and asked them what made them come to this decision of closing the dispute, and the lady on the phone says that I didnt lose the case but they wont be giving me my money because I already filed 2 complains which they consider a lot of complains which again doesnt make any sense, they gave me {$300.00} and thought I wouldnt complain, they dont have proof I made those purchases, I dont own a cash app or have one, all I want is my money back. Also they never gave me a valid reason, they transferred me to multiple departments and wasted my time, I never talked to anybody that could help me.
Product: Credit reporting or other personal consumer reports

Hi, I applied for Affirm to pay for an online course, how ever, before I applied I called & asked them do they report to any of the credit bureaus. The Affirm rep. told me they only report if you are late on payments & when you pay off the loan. So I went ahead & proceeded with the loan, because I did NOT want another account on my credit to lower the score. I have been working really hard for the last 3 years to build my credit & Im extremely close to my goals. Once I received the loan, I called customer service again & asked about payments & again if they do any reporting, a different customer service associate said the exact same thing, they do not report to any credit bureaus. Then on XX/XX/XXXX  my sore drops on XXXX & I see an Affirm account report on my XXXX Credit report. I was furious, this dropped my score XXXX points which is a big deal when your are building to buy a home & new car. I then called Affirm customer service again & The customer service rep. said it must been an error because we only report if you are late on your loan payments & when you pay off your loan, same as the last 2 customer service reps. she transfers me to a manager & the manager says " SOMETIMES '' WE REPORT, " SOMETIMES '' WOW!!! I was like why would I be misinformed 3 times!! & then I get an email that these terms are in my contract, which of course I never seen!! Im disappointed with Affirms customer service associates & the lack of knowledge & their customer service period, I waited so long on hold each time I had to call, all to get LIED TO!! They could of just not reported this loan on my XXXX credit report like I was promised, & NOT GAVE ME THE " SOMETIMES '' OF REPORTING! They are unprofessional & need to stop lying to customers! This false info. is hurting my chances of future credit for a home & new car that I desperately need. & Affirm needs to take the Affirm account off my XXXX credit! So far I made 2 on time payments, I have shown I'm responsible & credit worthy! I HAVE NO LATE PAYMENTS OR ANY NEGATIVITY ON ANY OF MY CREDIT REPORTS! THANK YOU
Product: Credit card or prepaid card

In either late XXXX or early XXXX ( can't remember the exact timing ) I went to the American Express website as I was shopping around for a new credit card. I used their 'see if you are pre qualified ' feature before exploring more, where I was presented with the cards with AMEX I was prequalified for. 

One of them was the Platinum card where I was offered a sign up bonus of XXXX with {$5000.00} in spend within the 1st 6 months. Also added on to that was a grocery / gas bonus as well which I'm not disputing in this request. So I applied, was approved. I recently noticed I was given a welcome bonus but it was NOT the XXXX feature. I used the Customer Service chat feature where I was connected with a representative. I was told offers change all the time. I clearly understand that and the representative was not even addressing my issue. I was presented with a XXXX offer which is why I applied. The representative made no offer to do research on their end to see that I was really presented that offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a dispute in regards to some credit inquiries that i did not authorize and were fraud. When i called recently to follow up they told me that they would not process my request because it was mailed. said it needed to be faxed.
Product: Debt collection

I had submitted a complaint to this company on XX/XX/2022 asking them to stop texting and calling me after hours and to delete my account. They responded saying they are deleting my account and will NOT be contacting me further. Unfortunately, they did not adhere to the guidelines they stated. I have since received 7 emails ( XX/XX/XXXX, XXXX ) from the company. In these emails they state personal details from my bank account. Including exact amounts of money I have spent and what stores I have spent the money. I think it is a HUGE violation to be monitoring my spending when they have " deleted my account ''.
Product: Credit card

I am having Wells Fargo XXXX XXXX XXXX ( XXXX XXXX ) ending in XXXX. 
I had setup automated payment on this account. 
I have no idea how that automated payment was switched off.

I realized on my own ( there is no email or notification from wells Fargo regarding the same ) and then I setup again on XXXX XX/XX/year> and immediately made a payment of {$1000.00} Called Wells Fargo at XXXX XX/XX/year> at XXXX at around XXXX XXXX CST. It's so difficult to reach a human out there- annoying IVR based bot. Finally was talking to a lady who had an attitude as if she is doing a favor by working on the weekend.

I asked why my automated payment got off? it was setup. She said it was never setup. I said please check in the system and provided the previous dates when it worked. For this she said that " I am rude '' I simply told her i know it's weekend but i am also making a call on the weekend. Can you please check at least the latest automated payment is setup correctly? For this her answer was - she can't it will take 3-5 business days. I said let me talk to the supervisor. Her response nobody want to work on weekend so there is no supervisor and simply hang up the phone on me.

I was asking her to create an internal case so that i can call later and follow up regarding this issue.

This wells fargo is nothing but nuisance.

It's so messed up website - setting up automated payment is nightmare.

Then reaching out to customer service is so difficult.

Then those customer service folks are having such an attitude that they hang up the phone.

Wells fargo charges late fees of {$29.00} on this account even when this card has 0 % APR for 12 months and I had already made the minimum payment and there was no stoppage from my side regarding automated payment.
Product: Checking or savings account

I was scammed by a fake small business loan program, never had my debt card info but they somehow hacked my XXXX XXXX next time my account was frozen and it was with security I never even touched the money at all now I owe money that was fraudulently deposited into my account and my paycheck is confiscated and I can not feed my family I am in great turmoil and now im in a financial crisis