23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Funding at Toyota Financial Services in XXXX, XXXX. We are in charge of reviewing the lease agreements and contracts that come in from XXXX customers who buy or lease a vehicle. Within the State of XXXX, consumers are given a trade in sales tax credit for their prior owned or leased trades. XX/XX/2015 Toyota got word that the WI tax rules had changed but did not update their systems. When calculating the taxes, myself and a few others noticed that XXXX dealerships, XXXX XXXX XXXX, XXXX of XXXX and XXXX of XXXX had their customer 's taxes coming in at lower amounts. Upon further review, we discovered that it was because those dealers had updated their systems to reflect the new tax laws. 
This means that a new tax calculation worksheet needs to be created. 
It was, however was only used for those XXXX dealers. The rest of the dealers use the old one. 
This did not sit well with me and I provided examples to management who admitted that there was disparate treatment due to the fact that if you purchase or lease from any other dealer, you would be paying more per month in monthly sales taxes than if you were to pay at XXXX of these XXXX dealers. It is now a year and a half later and the dealers have not been instructed to update their systems and I have constantly been told that more information is coming. I am told we will be discussing this soon. 
In the meantime deals are being booked everyday under management 's eye knowing that there is disparate treatment being done in the State of XXXX. You have tax XXXX worksheets being done and if you are unlucky enough to buy from another dealer, you may be paying more per month in sales taxes. 
I am no longer employed by the company however, just as I did when I was employed, I knew this was wrong and I brought it to their attention. 
Now that I am free from speaking out against them per policy, this is to help all the people in WI know that us other small people are on their side and we do try. Corporate America just does not care.
Product: Debt collection

XXXX XXXX XXXX, based in XXXXXXXX XXXX, contacted me using vulgar and explicit language, making threats that my credit report would be negatively impacted if I didn't make a payment promptly. Their unprofessional behavior and threats violated consumer protection laws, specifically under the Fair Debt Collection Practices Act ( FDCPA ). As a result, the entry should be removed from my credit report due to their inappropriate conduct.
Product: Debt collection

Company : NCA / Acct # XXXX Date : XXXX Amount {$400.00} I try contact this company for months and no, responds they will not validate this account is mine. They need to delete and remove this account there in violation due to the fair credit act this is not my account I notified the credit bureau several times and they do nothing this account was removed off my XXXX  but, still reminds on my XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXXXXXX 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 and XXXX XXXX XXXX credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA.

I pulled my credit report and disputed items on my report to XXXX, XXXX AND TRANSUNION. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act the didnt notify me of the investigation results within 30 days. 

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

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX
Product: Vehicle loan or lease

I relocated to the state of Tennessee from the state of NY and took a significant reduction in my pay. long story short we where forced out of our mortgage after we could no longer get caught up after covid job loses. I finally got a job in Tennessee making only $ XXXX from making $ XXXX and I am paid once a month at the very last day of the month with the school district. I called Santander to arrange for a 2 month extension so that I could get caught up. I was told that I have not made the require XXXX payments to qualify, b ut if I paid {$220.00} I would then qualify. I paid the {$220.00} and was still to this day told there is nothing they can do. I can not get blood from a stone if I don't have it I don't have it, but they are unwilling to cooperate and work with me.
Product: Credit reporting or other personal consumer reports

This is a formal follow up complaint regarding an ongoing issue with a late open account on my credit report. Despite my numerous attempts to rectify this matter, it remains unresolved. I have contacted the credit reporting agency and the creditor XXXX times to correct a late open account that has been inaccurately reported on my credit report. Despite providing all necessary documentation and evidence to support my claim, this error persists. Each time, I have been assured that the issue would be resolved, but it remains unresolved. This incorrect information has significantly impacted my credit score, resulting in denied credit applications, higher interest rates, and undue stress and frustration. As a responsible consumer, I have diligently followed the dispute process, but the lack of resolution has been unacceptable. I kindly request that you could intervene to ensure that the incorrect late open account is promptly and permanently removed from my credit report. I also request that any negative impacts resulting from this error be rectified, and that I receive confirmation in writing once the correction has been made. Please help me correct this account : XXXX XXXX Balance Owed : {$3300.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately.
Product: Credit card or prepaid card

Thank you so much for taking the time to help me, this has been an on going dispute for 4 months. The credit card that I'm speaking about is a ulta credit card, I will leave he numbers at the end of his message. I discovered a fraudulent use on my ulta CC after looking at my credit report on XXXX XXXX. My husband pays the bills '', he would pay all bills with a flat amount mostly above and beyond to pay cc off quickly. Bill pay is automatically set up. Please see statements. I called and spoke with customer service, twice in 3 days. I wanted an answer as to " why We have NEVER Received statements for this credit card '', what was charged on this card? Why is there only late fees and interest as charges? They could not give me an answer, I filed a dispute. I reported this card as fraudulent not my charges and paid in full ( over two years ago ) Unfortunately, my husbands mistakably continued to pay it. Lastly, asked OCC to remove a late 30day on my credit report. Also, in XXXX I went on line and registered for on line statements, I went as far back as the online statements would allow and there is nothing but late charges and interest. After four months of waiting for a response I called the credit card company to ask about the payment I didn't want another 30 day late on my credit report. And I wanted to know the resolution of the dispute. At this point when I called the credit card company, I was given the runaround, they said I needed to speak to a different department and when they would transfer me they would hang up on me. This went on for about two weeks, finally I called and asked for the manager and I demanded an answer. I was told that they did not approve the dispute because I had filed for a bankruptcy back in XXXX? I said that has nothing to do with this fraudulent credit card. They said I had to continue paying and they would not take off the 30 day late. I desperately need help in this situation please let me know if you have any other questions. They have never sent me a written report. I am requesting all my money back from the overpayment of a paid off credit card and the fraudulent charges on the credit card removed. Please let me know if you have any questions. XXXX XXXX XXXX XXXX last four digits of the credit card or XXXX To date ulta CC did take off the 30day late.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the XXXX-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit card

I have been trying to pay this debt that I owe and I have not been able to contact anyone regarding this issue. I have called every phone number listed and there is always a machine that answers that nobody is available to take my call and disconnects me. I have tried chatting with a live representative and they just gave me another phone number that did the same thing I mentioned above. I sent letters and got no response or phone calls. I sent letters to the credit bureaus.. I just want to pay my balance! This is stopping me from getting a promotion and I am so frustrated that I ca n't find a way to make my payment! The lack of customer service is ridiculous!
Product: Checking or savings account

On XX/XX/2023 I applied with BMO Alto to open a new jointly owned CD account with me as primary owner and my husband as co-owner. Their online application form required my personal information only, and stated that the co-owner will be invited to apply once the account is opened and funded. We funded the $ XXXX account via ACH, and the account officially opened on XX/XX/2023. 

On XX/XX/2023 my husband was invited via an email from BMO Alto apply for his co-ownership, which he did. Later that day he received another email stating that his ownership was denied, and that he would receive a follow-up email with more information. He is still waiting for that email. He called BMO Alto, and was informed that a co-owner can not be added to an account once it is opened and funded, which is in direct opposition to the online application process and also the opposite of what was stated in the first email he received. The customer service rep ( XXXX ) filed a complaint on my husbands behalf and was told a supervisor would call back in XXXX hours. He is still waiting for that call. 

On XX/XX/2023, I received an email from BMO Alto stating Thank you for choosing BMO Alto. We regret to inform you that we're unable to honor your request to add ( my husband ) to your account ( s ). This is to let you know that your account ( s ) will remain in your name only. Thank you for choosing BMO Alto. This is not what I wanted at all. BMO Alro took it upon themselves to change the application from a co-owned account to an account in my name only without my input or permission. I would have never allowed this had I applied for the account in person. I called the bank asking that the account be closed immediately and that our entire $ XXXX be returned without penalty, considering that the bank mishandled the account ownership. The rep I spoke with filed a complaint on my behalf and told me I would receive a follow-up call in XXXX hours. I am still waiting for that call. 

After a week went by without hearing anything from BMO Alto, I called the bank again. I reiterated my request. I was told that the account would be closed without penalty on XX/XX/2023, and that our money would be returned in its entirety within XXXX hours after the account closed. It is now XX/XX/2023. The account is still open. Our funds have not been returned. The bank has not contacted us.
Product: Debt collection

Background - I refinanced my home loan and paid off debt with the equity. One of those debtors was a regions credit card ( {$7900.00} ). XXXX XXXX pre-printed the checks they inadvertently wrote regions ' check for {$7900.00} which was XXXX XXXX cents short. 
On XXXX XX/XX/XXXX I made a pre-written check payment ( through XXXX XXXX ) to my delinquent credit card account. I made the payment at the drive-thru window at my local Regions bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX ). I did not follow-up until today ( XXXX XX/XX/XXXX ) as I assumed if there were issues I would have been notified. There was no notification neither from XXXXXXXX XXXX  nor Regions. 
On XXXX XX/XX/XXXX I called the " charge-off '' department of regions to inquire about the delinquent account. I was anxious and upset. I informed the regions representative as such. I maintained my composure however, the moment I stated my frustration seemed to trigger, from then on, a very negative condescending and authoritarian attitude. The bottom line was the payment was {$.00} short. 
This is the issue. Regions took my money from XXXX XXXX and deposited it. Where it was deposited I do not know, it was not applied to my delinquent account ( per account statements as of this date XXXX ). It was not returned as insufficient payment, I have receipts for the processed check and the teller deposit, dated & timed. The account shows {$7900.00} delinquent. That means they most assuredly made interest from that money. After three months of holding my money they should credit the XXXX  cents and write me a check for the balance of the interest from {$7900.00} for three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stating that XXXX, Transunion, XXXX, and XXXX  have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, Transunion, XXXX, and XXXX  are reporting should not be on my consumer report ; pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to Discover through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, Transunion, XXXX, and XXXX  to not only delete any and everything from my consumer report in regard to Discover ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Cbna Inquiry date : XXXX2018 XX/XX/XXXX2018 XXXX2018
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another notice of claim brought against Equifax. Equifax has inquiries listed on my consumer credit report that are in violation of 15 U.S.C 1681b. These inquiries are unknown to I the consumer and must be deleted. Consumer has put Equifax on notice of this fraud alert. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer will file continue to file complaints against Equifax for the improper and unlawful dispute processing tactics. If these inquiries aren't removed within 4 days, consumer will alert the AG, FTC, as well as file suit against the reporting agency for false reporting. Equifax must provide my signed signature authorizing a consumer credit transaction as source of furnishing these inquiries. Equifax has yet to provide any evidence of extension of credit establishing these inquiries.