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

XXXX Dear Consumer Financial Protection Bureau, This matter concerns my lease of a XXXX  XXXX ( XXXX, XXXX  ) secured from XXXX XXXX ( Florida ). 

Southeast Toyota Finance ( SETF ) has a strange website notice which reads : Southeast Toyota Finance will not receive immediate notice of payments you make online. To avoid potential repossession of the vehicle, please contact us before you make an online payment, XXXX. 

Southeast Toyota Finance ( SETF ) website claims I owe {$2000.00}, but the monthly payments are just over {$650.00} and as I recall I made payments through XX/XX/XXXX and have only missed payments in XXXX and XX/XX/XXXX. Therefore the amount due is actually closer to {$1300.00} ( not {$2000.00} in my estimation ) as I understand. 

The problem is the Southeast Toyota Finance ( SETF ) website does not allow me to see my past payment history to make accurate calculations and computations, regarding what needs to be paid and what is past due. 

XXXX XXXX XXXX  Account # : XXXX VIN : XXXX I want to make a payment for {$650.00} today ( normal monthly payment today ), but can not because SETF is trying to force a {$2000.00} payment from me, which appears to have excessive fees I did not agree to and can not dispute as SETF will not reply to my emails. My USA phone is presently not working and I am outside the country in XXXX. I also can not see my payment history on the SETF website. 

Because SETF is not reducing my money owed to them after I make payments on its website, I am concerned about CONSUMER FRAUD and am filing a complaint with the XXXX XXXX XXXX to ensure SETF updates their financial records before forcing me to make double and triple payments above and beyond what I am required to pay. 

I am a poorly paid school teacher living on a small salary. 

I am asking SETF to update its financial records on my account and its website to allow me to see my payment history. Moreover, when I make an online payment on SETFs website, I want it to allow me to do so in part and not require me to pay an excess amount of {$2000.00} Thirdly, the XXXX XXXX  has squeaking breaks, although only XXXX miles and the technicians at XXXX XXXX have not been able to identify the problem upon evaluating the vehicle three times already ; leaving me to believe this vehicle has irreparable manufacture defects and is a lemon. 

Fourthly, I currently have an XXXX  XXXX, which I recently learned about from my doctor when I was evaluated via an XXXX XXXX and must slow down my pace of life to care for and attend to my health. Of course I will continue working, but need some grace and patience from SETF while I adjust my work and lifestyle so I do not prematurely drop dead. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sincere thanks for your kind assistance and intervention. 

Respectfully with gratitude. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have submitted a request to have the debt removed because it was reported as income on my pay statement.
Product: Checking or savings account

I'm XXXX years old, and up to now, I've had minimal experience with banking. My parents helped open my account when I was a minor but my banking experience was limited to direct deposits and debit card transactions. 
I deposited two checks I was given through an internet transaction. The bank cleared the funds into my account for thousands of dollars, even though I only had {$30.00} in my account at the time. Shortly after, the person who gave me the check demanded a refund, so I agreed to refund his money, not knowing that the checks he gave me were fake and would ultimately bounce.

Now Huntington says I owe them {$2000.00} for the fraudulent  checks. 
Huntington did not follow reasonable practices and procedures to protect my account. I now realize that the checks were both obviously fake, but Huntington lifted the hold without reviewing the checks : 1. Both checks had a seven-digit routing number when all routing numbers must be nine.

2. One of them was a third-party check and was not endorsed at all, including the third party.

3. The check number on the top of the check did not match the one on the number line.

4. The check number on the number line was the same for both checks, even though they were written for different amounts and to different people.

Huntington lifted the hold on these checks without even looking at them. When the hold was lifted, I thought the checks had cleared. 
The person who gave me the checks demanded I refund his money. Assuming that his checks had already cleared, I refunded the money. Now Huntington says I owe them {$2000.00} and they do not want to take any responsibility for their poor processes that led to the loss of the money. 
To add insult, they are adding fees to the balance because the non-checks they cleared bounced. 

I'm a victim of bank fraud, and Huntington Bank 's lack of commercially acceptable practices failed to protect me. They should not have cleared what was obviously fraudulent documents resembling checks without any professional oversight. Further, they cleared a check written to a third party that was not endorsed, which is a banking compliance issue.
Product: Credit reporting or other personal consumer reports

I was provided a subpar rate for my home loan due to the fact Experian has been negligent in reporting information in my file correctly. They have violated FCRA and FDCPA and have willfully omitted information from previous reports sent to me that they continue to inaccurately report to creditors. My credit union provided me the following reasons for the rate based on Experian falsely and incorrectly reporting the following : XXXX - Too many accounts with balances : Most if not ALL my accounts aside from my home loan have a {$0.00} balance. So how many accounts with balances are you talking about? What's too many? 

XXXX - Too many consumer finance company accounts : I have NONE as in XXXX ( XXXX ) consumer finance company accounts which are NONBANK COMPANIES that offers loans! I have XXXX accounts that meet this criteria yet Experian continues to report this and has done for years without providing satisfactory reasons as to which account or accounts of mine they are considering NONBANK COMPANIES, my home is financed through a Credit Union and I have no auto loans. 

XXXX - Too many account recently opened - I have opened one ( 1 ) account in the last two years. How is this " too '' many accounts? 

XXXX - Proportion of balance to high on bank revolving accounts : My credit utilization never exceeds 5 % of my available limit, everything outside of my home has a XXXX balance. How can they say I have too high a balance. 

I believe Experian is choosing to intentionally continuing to report false and inaccurate information to lower my score because of my ethnicity otherwise why would I have to keep fighting the same issue for 11 years! This has gone on long enough!
Product: Debt collection

Improper use of my credit report. In accordance with the fair credit reporting act this credit CREDIT COLLECTION SERVICE has violated my rights. They assumed the debt of XXXX. XXXX and I have a dispute. A file with the Department of Banking and XXXX places the XXXX claim places this amount in dispute. Moreover it alleges XXXX acted in bad faith and I am due damages. Further 15 USC 1681 Section 602 states I have the right to privacy. This reporting is an improper us of my report. 15 USC 1681 Section 604a ( 2 ) Section 2 a consume reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment as late under a open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX 
Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided XXXX demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Capital One institution from XXXX, VA XXXX, he made 1 hard inquiry on my credit without my authorization. I did not request this transaction.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

A XXXX ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

These inaccurate items on my credit report are due to ID Theft, ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
This has been reported via police report and FTC Affidavit of ID Theft. True Name ID Fraud was listed on my credit report after I found out, but for some reason now they show up under collections. This is prohibiting me from getting my credit score back to Pre-ID Theft which was a XXXX. After all this fraudulent activity and reporting, it is low XXXX and has caused damage to me and my business as well. Reports show that fraudulent account was opened XX/XX/XXXX, XXXX in my attached report it shows that they were 'assigned ' over a month before the open date!
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Hi, I opened an account online and made a deposit of {$50000.00} my intention was to wire transfer to myself that money. I was doing it through Chase bank because my current bank ( XXXX XXXX ) doesnt have international wire transfers. After the funds were successfully transferred I made a wire transfer of {$25000.00}. The transfer was cancelled and my online account was blocked so I called to validate my info and unblock my account. After the account was accessible again I called again to ask if was all ok so could make the wire transfer, the agent told me I could so I did but the transfer was cancelled again and my online access blocked again. I called again but this time I had problems and the agent told me I had to go to a branch and I had to explain I was not in USA and because of COVID-19 I  couldnt travel from XXXX to US. I opened a previous complaint and the company responded saying I had to call and authenticate my self so the funds could be released to me. I called customer service and they asked me my phone number so they could send a text to verify, I gave my registered number but they said it was not correct. I told them that was my number and I had an email with the confirmation of that number being activated, I even told the agent I can send a text to XXXX and get information about the account and the agent told me she cant see that and doesnt believe I had access to the account using my number so they said again I have no option but to go to a branch. So even though I gave my SSN, full name, address and date of birth they said they couldnt validate was me because of the phone number. I called a couple of more times and they didnt care about the travel restrictions and all told me I had to wait whatever time to go to a branch. Now the travel restrictions are extended until the end of XXXX and the bank is refusing to return my money. Why the bank didnt block the account when I made the deposit? Why they blocked my account after I made valid transactions allowed by the system? And why after validate my identity several times and requested verification codes several times they still refuse to give my money back? The bank has been unable to explain what was the security risk, the response was that they can block the account unilaterally just because they can. Im attaching the email as proof that my number was activated
Product: Credit reporting or other personal consumer reports

I dont know the company and they report hard inquiries on my credit report
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Credit reporting or other personal consumer reports

Dear everyone XXXX XXXX XXXX XXXX late payments XXXX XXXX other XXXX these are closed accounts so they cant change them. XXXX  lending has XXXX & XXXX & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX, I circle XXXX  these inaccurate things on these reports. Need fixed or deleted XXXX  inaccurate items i circled also asked about the bank statements could provide they say & i just want these accounts deleted now cause i contacted XXXX no response
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I have already reported this to the credit bureaus as well as to the FTC but they do not respond to me at all. It has been over two months and they do not send me any type of response. I know I did my paperwork right and attached my IDs. I even put a copy of the Fair Credit Reporting Act. I know they are breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According with the fair credit reporting act XXXX account XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Debt collection

Allied Interstate, XXXX has called constantly for the past several days. it is not even XXXX pm today and has called me 5 times with no messages.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unfamiliar accounts that have recently surfaced on my credit report. After thoroughly reviewing the information provided by your agency, I have identified the inaccuracies that require immediate attention.
Product: Checking or savings account

On XX/XX/XXXX XXXX I made inquiries on the exchange rate offered at XXXX ATMS and withdrew funds [ only ] from a third ATM while on travel in the country XXXX. On my checking account electronic record, I see instead that all XXXX ATMS recorded the withdrawl of funds. It is clear that only XXXX of these was a legitimate charge as international ATM withdrawls always show the exchange rate used and have a foreign exchange rate adjustment fee associated. The legitimate charge had these ; the XXXX inquiries show a withdrawl of funds but had neither echange rate information nor an exchange rate adjustment fee. I complained to my bank ( Chase ) and they provisionally withdrew those XXXX fraudulent changes, only to reinstitute them weeks later. I spoke to Chase bank and my local Chase bank representative spoke repeatedly to supervisors requesting the withdrawl of those charges, without success. Chase said they look like legitimate charges, and had the audacity to suggest that perhaps all XXXX banks pooled their fees to create the single Foreign Transation Fee recorded - something they are capable of knowing is not the case. It is clear that Chase made a mistake, I have lost funds to fraud, and Chase is unwilling to examine their erroneous judgement. My CHase branch officers are as surpised as I at the attitude of central officers in this case. THe case would be reopened, they said, if I offered more proof but there is no other, and no better, proof than my checking account statement, which they have in hand. Account number XXXX ; Routing number XXXX.
Product: Checking or savings account

deposited 2 checks. They were put on hold. No problem! My account got suspended. I called multiple times. Ive got lied to every time. They told me once the check clears my account will be unlocked. The checked is cleared and has been cleared. They are holding my money XXXX. I need my money. You guys verified the checks. The checked are paid. They are saying my account is getting cleared. They did not explain why.
Product: Credit card or prepaid card

On XX/XX/ 2023, I received a credit card in the mail from US Bank with a credit limit of {$25000.00}. It's a card that I never applied for and it was fraudulently opened. I immediately called US Bank and informed them of the issue and they took action to close and delete the card. They informed me that someone had tried to transfer credit card balances of over {$11000.00} to the fraudulent card. The party that opened the card had my correct personal information down to the car that I drive.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information appearing on my credit report includes : A personal credit card account opened at XXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXXXXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. 
A lease account opened at XXXXXXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXX XXXX XXXX on XX/XX/XXXX. 
Additionally, multiple fraudulent hard inquiries and collection accounts have appeared on my consumer credit report as a result of these fraudulent accounts. These accounts, inquiries, and collections were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

I have attached the following documents to support my claim : A copy of my consumer credit report maintained by XXXX showing the fraudulent items. 
A list of the fraudulent hard inquiries in question. 
A copy of an FTC Identity Theft Criminal Complaint confirming that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( Demand for Relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within four business days of receiving this complaint. I also request that all collection activities related to these fraudulent items cease immediately. 

Please provide written confirmation regarding the resolution of this complaint.
Product: Debt collection

TRUISTXXXX ; LOCATED : XXXX XXXX XXXX, XXXX, GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$3900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.