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

In XX/XX/2019, I applied for toyota mobility refund for almost XXXX. I was supposed to have check by mid XX/XX/XXXX. I asked for XXXX payment to be deferred until I got check. Check never come. I called toyota XX/XX/XXXX and they told me they lost my paperwork and had me reapply. I did that XX/XX/XXXX. On XX/XX/XXXX, they sent me a case number. I then asked for XX/XX/XXXX to be deferred as I was still waiting for check. In meantime, toyota calls me 10 to 15 times a day harassing me for lease money and is ignorant when i call to find out about check. Today i get letter stating they are going to repossess my vehicle so my nephew calls and gives them debit card to cover XX/XX/XXXX payment. Instead of toyota using money for XX/XX/XXXX payment, instead they use it for late fees ( which are not owed as toyota agreed to defer XX/XX/XXXX and XX/XX/XXXX ) and deferment fees ( which are not owed as toyota agreed to add onto end of lease ). Toyota commited fraud with my nephew bank account, refuses to talk to us and hung up 3 times on XX/XX/XXXX. Now, they lie and state no money taken out of nephews account which is not true as nephew got instant notifications seconds after giving toyota bank info. I have reported this to nephew bank for fraud. Now toyota continue to harass me 10 to 15 times a day for money when in reality they owe me XXXX
Product: Checking or savings account

Navy federal withdrew XXXX dollars from my account with out my knowledge or consent i called to make a fraudulent claim and they said that they could not because they cant make a fraudulent claim against their own company. I made these calls on XXXX XX/XX/2025 and have 5 recordings from navy federal fraud department stating they cant make a fraudulent claim against their own company.
Product: Credit reporting or other personal consumer reports

Company has failed to investigate DISCOVER file even when provided with information that proves account is invalid. For XXXX  months company reported account as at FCRA standards but recently had retracted information. This is proof the company has never actually ran dispute to FCRA standards as previously stated as they removed XXXX inaccurate data points. This is valid proof that the entire file is corrupt data and should be removed. The company should also be held liable for financial damage they caused for not upholding legal standards for FCRA violations on multiple occasions and being the direct cause of financial hardships This account is not mine and that has been stated multiple times on multiple occasions. Account was opened fraudulently
Product: Mortgage

Like many others, we have been facing difficult financial times for the last few years. Late in 2013 we took a XXXX mortgage on our home to catch up on our bills and to help launch a business that would get us back to work. The lender ( Sterling Homes ) took a second position on our home. By the time they had the money for us we were desperate, and they smoothed through the XXXX pages of documents so quickly that we signed without really understanding what the paperwork said. Turns out the loan was to be paid back with interest only payments of $ XXXX monthly due to a 16.26 % annual interest rate and {$9000.00} in fees ( over 10 % of the loan amount ). Worse, they slid a clause in their fine print that says they can foreclose even if the first is brought current. These guys presented themselves as banker type lenders, but they were loan sharks. The terms of the loan are usery and they should never been able to charge such exorbitant rates and fees especially when the loan was secured by an owner occupied home. They said they were lending my business money, but they showed little or no interest in it at all. The business still has n't launched and money is still tight so we are almost 7 months behind now on both the XXXX and XXXX. The XXXX is with XXXX and they have agreed to a loan mod beginning XXXX XXXX that will substantially reduce my payment, get me current and waive all their late fees. The problem is that the second lender has a XXXX XXXX foreclosure date and will not grant any kind of modification, nor even let us catch up. They are requiring us to pay off their loan in full before XXXX XXXX or forfeit the home where we have been raising our boys for XXXX and XXXX years. They want to steal our equity even though we have owned the home for over 19 years, borrowed money from them only 3 years ago, and only owe about {$6000.00}. Please help us force them to modify their loan to allow us to keep our home. They have already made over {$30000.00} in straight profit for lending us $ XXXX and we still owe them the entire $ XXXX! They took advantage of our desperation and now they are trying to take our home even though the first lender is working with us. We need your help!
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Report Act. The list accounts below has violate my federally protected consumer rights to privacy and confidentially under 15 USC 1681XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX has violate my rights 15USC 1681 section 602 A states I have the right to privacy 15 USC 1681 604 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681c ( a ) ( 5 ) section : No consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information other than records of convictions and crimes which antedates the report by 7years 15 USC 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that its is inaccurate
Product: Checking or savings account

On XXXX/XXXX/XXXX I got a letter in the mail from Citibank stating that my account ending in XXXX has insufficient funds and was overdrawn. 
I checked all my accounts with Citibank and did n't find any account ending in XXXX. I called the customer service at XXXX XXXX/XXXX/XXXX to find out what happened and I was told I had an account which was opened on XXXX/XXXX/XXXX and it was overdrawn by XXXX for monthly fee and overdraft fees. I told them I never opened an account on that date and I requested to get a copy of my signature card and the branch the account was opened. 
They agent refused to tell me this information and was extremely rude on the phone, she said her name was XXXX and she was the supervisor. I asked her to open a case, escalate this issue and give me a case number but she vehemently refused to do that and asked me to go to the nearest branch. 
This is absurd that Citibank would open an account without the client 's knowledge, access fees on the account which overdrew the account! If I had not gotten this letter, I would not have known I 'd an account that was overdrawn. They would have continued charging a monthly fee on the account which would overdraw it by a lot of $ and then send it to collections and ruin my credit I worked so hard to build. I am livid to state the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/202XXXX XXXX
Product: Vehicle loan or lease

The company charges a {$400.00} end of lease fee but waives it if you purchase/lease another vehicle from them. I was leasing a new vehicle from XXXX XXXX in XXXX, NJ and they sold the vehicle out from under me. I was XXXX minutes from leaving my house to pick up the XXXX and I got a call from the salesman and he said the vehicle was sold. I said You took a copy of my license and insurance card and I offered to give you all the money the previous evening. They said no need. I had to leave to get back home for a video meeting. It took them so long to locate the XXXX that it ate into the time we were there.
Product: Debt collection

debt collection letter sent by online information services in representation of XXXX XXXX, amount of XXXX. Contacted OIS, they instructed me to file for identity theft. Contacted XXXX XXXX they requested I fill out this form.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX  XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX  XXXX XXXX Georgia XXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

I PERSONALLY TRIED TO FIX THIS PROBLEM BEFORE I CONTACT YOU I CONTACT EQUIFAX ON REPEATEDLY OCASIONS BUT THEY IGNORE THE LAWS AND IGNORE MY RIGHTS AS A CONSUMER, THEREFORE I AM ASKING YOU TO INTERVENE FOR JUSTICE FOR ME AND ALL OTHERS IN THE SAME SITUATION AS US WITH THIS COMPANY EQUIFAX THIS ANSWER ON XXXX XXXX # XXXX IS LIKE ALL OF THE OTHER ANSWERS WE GET FROM THIS AGENCY EQUIFAX INSTEAD OF DEALING WITH THE ISSUES LIKE THEY SHOULD HAVE SINCE XX/XX/XXXX HAS THE COMSUMER LAWS MANDATE FOR A CREDIT REPORTING AGENCY, NO THEY KEEP REPORTING SOMETHING THEY SHOULD KNOW AND BE SUPPOSED TO KNOW. THE IS MORE THANT 7 YEARS OLD, THEIR IMMEDIATE RESPONSE IS TO DENY AND BLAME THE CHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX THAT BY LAW ONLY LAST FOR SEVEN YEARS AND OTHER CREDIT BUREAUS ALREADY BEEN CLEARED BUT THIS BUREAU EQUIFAX IS PLAYING IGNORANT AND UNAWARE THAT IS HAS BEEN REPORTED FOR SEVEN YEARS LET 'S SEE WHAT THEY TELL AT THE END THIS TIME YOU WILL WITNESS MY ACTIONS AND THEIR ACTIONS, IN 20 DAYS FROM TODAY IF THEY DO N'T CLEAN MY CREDIT REPORT I WILL START A LAW SUIT AGAINST THEM FOR {$XXXX} DOLLARS THIS TIME YOU ARE TO BE MY WITNESSES I HOPE THIS TIME IS TRUE AND WE CAN LEAVE THIS CREDIT REPORTING NIGHTMARE BEHIND THAT IS COSTING ME AND MY WIFE A LOT OF MONEY AND SHAME. 
SEE ATACH PROOF CONFIRMATION DOCUMENTS FROM EQUIFAX # XXXX # XXXXCHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX TO XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal. Theyre holding over XXXX
Product: Payday loan, title loan, or personal loan

I took a {$400.00} payday loan out for bills during XXXX. I have been unable to pay back due to ongoing medical bills, and personal bills. The company has called my phone over XXXX time a day, and left several messages. Now theyre sending threatening emails saying if I make a payment of {$50.00} I can avoid them from processing a judgement with the local courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, TransUnion, and XXXX during the first part of XXXX to investigate negative information on my credit reports that is not actuate, has been over 30days and the credit companies are not complying with their own policies in a timely manner.
Product: Student loan

My wife has 3 subsidized loan at 3.8 % a 3 unsubsidized at 6.8 %. She has giving me permission on her great lakes student loan account and something does n't seem right. She has n't graduated yet but is n't attending right now because we have kids at home. I believe the 6.8 % is to high, and believe that for a graduate student the max is 5.7 but I might be wrong. Can you please give me some advice or direction on this matter.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, baed on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citi claims that in their XXXX ( I opened my account in XXXX ) " Consumer Deposit Agreement '' they are allowed to restrict my account due to inactivity. I have a copy of the XXXX page " Abbreviated Consumer Deposit Account Agreement '' and there is nothing in the document that references restricting accounts due to inactivity. however, at the bottom of the cover page it states " To review the complete Consumer Deposit Account Agreement applicable to your account, please see citi.com/ ... .... Which is XXXX page document. Buried on page XXXX is the language that Citi is using to justify restricting the account. This is the equivalent of " Fine Print '' which is illegal under the Truth in Lending Act and the Securities Exchange Commission 's disclosure rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

our Name Address City, State Zip DATE Collection Agency Name Address City, State Zip RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 



Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within XXXX ( XXXX ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of YOUR STATE GOES HERE medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX
Product: Credit card

I received a bill in the mail from Home Depot Decemeber 2023. The purchase was made on a Home Depot credit card. I did not open a credit card with Home Depot-Citi Bank . It was opened fraudulently under my name. I did not even know a credit card was open under my name with Home Depot. I have called and opened a fraud claim with Citi Bank multiple times and they keep determining that I am responsible for the charges and closing the investigation. When asking why, they state they have proof of delivery to a previous address of mine ( my parents ) but Home Depot and the receipts state that the items were picked up in store.The store that items were purchased and picked up at is located 4 hours away from where I live. They are stating that a different person with the name of my father ordered and picked up the items. Neither one of us have done so. I have filed a fraud claim with the FTC, contacted the collections agency that my account is now in, contacted Home Depot but no one can do anything when Citibank is stating we are still responsible. I have filed a police report in XX/XX/XXXX. Police have tried to contact Citi Bank multiple times and can not get through to a representative they can give information to. When asking to speak to someone in the investigations department we are told it is not possible. We are at a loss and can not seem to get anyone at Citibank to listen to our concerns or look into the fraud.
Product: Credit card

I have a credit card debt with Wells Fargo that I have been trying to pay off for at least the past 3 years. Last year in XXXX of 2014 they gave me a break & stopped charging me intrest on the account due to financial difficulty & I was able to make regular payments on time. However it was only for a year. Now they have added they have added the intrest payments back which doubles the amount I have to pay, on top of which the account is closed/cancelled so I can no longer use the card. For the past few months I have been charged intrest on cash advances & purchases I ca n't make. I also have no way of making payments to the principle credit card debt. How am I suppose to pay the debt off????
Product: Checking or savings account

I opened a savings and checking account at Citibank at the XXXX branch in XXXX, CA on XX/XX/2021. The accounts were opened with a promotional bonus offer that consisted of two bonuses for {$300.00} and {$1500.00}. I deposited a total of {$300000.00} and met all the coupon requirements. I was supposed to have been credited the {$1800.00} as of XX/XX/2021, but did not get anything. I was told their system didnt capture the coupon code and that it could take weeks before there complaint department reviews and approves anything. The XXXX XXXX did not appear to care about anything when I spoke to him today. I asked him to expedite this but he could not guarantee anything. He said I can not close the accounts or else I will not get anything. This is misleading and false advertisement. This is also potential sales abuse because it appears they are targeting customers to open accounts and not abiding by anything. I would like tone {$1800.00} as soon as possible. I had been considering banking with them long term, but this seems shady and unethical.
Product: Credit card

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year> Barclays Bank Delaware Credit Dispute Department XXXX XXXX  XXXX XXXX, DE XXXX Dear XXXX, Subject : Follow-Up on Dispute of Inaccurate Credit Report Information Underage Account Thank you for your response dated XX/XX/year>, regarding my dispute of the Barclays View Mastercard account XXXX in XXXX. 

I am writing to reiterate my position that the account was opened illegally while I was under the age of XXXX without a cosigner and without the means to independently make payments. 

According to the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, specific requirements must be met when issuing a credit card to individuals under the age of XXXX. The CARD Act mandates that individuals under the age of XXXX must either demonstrate an independent source of funds sufficient to repay any debts incurred with the credit card or have a parent or another person who is at least XXXX XXXX XXXX cosign the credit card. Here is a direct reference to the policy for your convenience : The CARD Act requires people under age XXXX to have a parent or other person who is at least XXXX XXXX XXXX cosign the credit card if they cant demonstrate an independent source of funds sufficient to repay any debts incurred with the credit card. 

At the time this account was opened, I was under the age of XXXX and did not have a cosigner nor the means to independently make payments, which clearly violates both the CARD Act and CFPB regulations. Therefore, the account should never have been approved, and its presence on my credit report is erroneous and damaging. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX. 

Enclosures : - Previous Correspondence Copy of Identification
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and despite multiple disputes, TransUnion continues to report a fraudulent XXXX XXXX account on my credit file. This is unacceptable. I have already provided a police report and all required identity theft documentation, yet this account remains. XXXX and XXXX have correctly deleted it, so why is TransUnion refusing to comply? Under 15 USC 1681c-2, TransUnion is legally required to block and remove fraudulent accounts once I submit proof of identity theft, yet they have blatantly failed to do so. Their continued reporting of this account also violates 15 USC 1681e ( b ), which mandates maximum possible accuracy in credit reporting. By ignoring my disputes and allowing this fraudulent account to remain, they are in further violation of 15 USC 1681i ( a ), which requires a proper reinvestigation when a dispute is submitted with supporting evidence. Additionally, 15 USC 1681b ( a ) states that no account should be reported without my written consent, which I never provided. I have exhausted every reasonable effort to resolve this, yet TransUnion continues to ignore clear violations of federal law. Their refusal to remove this fraudulent account is reckless, harmful, and a willful disregard of my consumer rights. I demand the immediate and permanent deletion of this account, as required by law, and a written confirmation that it has been removed. Failure to comply will result in further action.