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

I began calling the company several times in the weeks leading up to the end of the lease. I requested a payoff amount so that I could purchase the car outright. I was told that I would receive the information in the mail. It took at least 10 calls to get someone to give me even a ballpark figure to pay the car off. I finally  could not wait any longer, as my lease was expiring at the end of XXXX, so I sent a check for around {$17000.00}, a figure I came to based on payments through the years. This meant that I paid over {$30000.00} total for a car whose value is around {$16000.00}. Yet the only thing I received was telephone calls from XXXX of XXXX telling me that, since I was a " loyal '' customer, I could turn the car in and get another leased car. This was not what I wanted. I never received any kind of receipt for the {$17000.00}, but the calls from XXXX of XXXX did stop at my request. Since then, I have called Toyota Financial and have been told that documentation for my payoff were sent to me, XXXX at the wrong address ) but were returned to them. They said it is against their policy to send them again, even though they have my correct address. It is the same address I have been using to pay them every month. 
I NEED the documentation that the car was paid off in order to change the title from XXXX of XXXX being the owner of the car. 
The last time I called, I talked to someone on XX/XX/XXXX, and told her to please send me the documentation that my car was paid off, the DMV was notified, and that all fees were paid in order for me to own the car. She did not speak enough English and the telephone connection was very bad, so she hung up before giving me any indication that the documentation would be sent to me.
Product: Credit card

I purchased a bolt cutter from XXXX that was supposed to cut steel up to XXXX inch diameter but only cut steel at XX/XX/XXXX inch diameter making it useless. XXXX only allows returns for just 30 days but I did not need to try it until 60 days later. After filling all 6 pages of information always demanded by US Bank for every charge back, and ignoring all other information sent to them ( I think this is a violation of federal law ) I just received a letter from them on XX/XX/XXXX denying my charge back without giving me a reason, and threatening me saying if I do not pay this charge on time they will report me to 4 credit reporting agencies hurting my credit rating. I have never missed a payment with this bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other items that need to be corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be corrected or removed immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do own Comenity about {$12000.00} in the initial charges. I got some unexpected money that I wasn't planning on and tried to settle for a lower amount - I don't remember how much as it was about 6 months ago in XXXX or XXXX of XXXX  They said they could settle for 80 % of the XXXX and it was about {$10000.00} and change. I agreed and asked for the settlement in writing, either email or mailed to me and they said they couldn't do that. 

Since they wouldn't put anything in writing, I didn't pay and they have contacted me every day 4-7x a day except for XXXX normally. I saved their contact and blocked the number so they rotate their number and still call me. Sometimes it appears as a new number and sometimes it appears as 'Unknown Caller '. I have included pics of the last month of calls because it's quite a lot. I can produce the other months if you need me to. 

They also add to my charges the interest rate plus a late fee every month and it amounts to about $ XXXX in additional charges. So every year, roughly 1/3 ( {$3800.00} ) of XXXX is added to the balance. In 2 more years, the {$12000.00} will have doubled just from interest and fees.
Product: Debt collection

I've told this company to stop calling me. They keep asking for XXXX XXXX. I am not that person. They still call me all times of day and night.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car on XX/XX/22 ; the car dealership 's finance department apply for multiple loans with out my consent. I specifically asked them to only use XXXX XXXX XXXX. I did not authorize XXXX XXXX  XXXX, XXXX XXXX, or XXXX XXXX to pull my credit. 

There are multiple inquiries on my report that I do not recognize XXXX XXXX, XXXX XXXX, and XXXX.
Product: Debt collection

On several instances I have requested debt validation from this company and XXXX they have failed to provide such. Most recently, a certified letter was sent on XXXXand I have not yet received a response. I am demanding that this collection be removed from my all 3 credit reports as it can not be verified as reporting accurately.
Product: Debt collection

I owed {$100.00} on the balance and was making payments. I haven't received a bill in the mail in over a year so I took it that this debt was paid.
Product: Vehicle loan or lease

My name is XXXX XXXX and I had purchased a vehicle with XXXX XXXX XXXXXXXX XXXX XXXX by XXXX XXXX back in XXXX  and I purchase the vehicle with WELLS FARGO BANK and something told to go o the contract again since I was going through some issues with XXXX XXXX for the same reason which i am about to describe in the previous complaint.Anyway WELLS FARGO BANK Illegally copy and paste my signature in to a retail installment contract wit out my consent and the bank been force me to pay them interest this is fraudulent and I demanding a refund back plus a fine for damages. The original agreement I received from th car dealership is totally different from the one the bank provided. And I've never signed or agreed to pay this retail installment contract, that's a security interest, this credit transaction was complete at the dealership and plus the make me pay for a down payment which also illegal. So I ask- [ ] May I please have the agreement that was set this security interest in place? Please do not send me this retail installment contract, that's a security interest I do NOT need that fraudulent contract. The bank destroys my good credit and sold my information to third party dedt collectors agency which I have no business or contracts with. 
1. XXXX {$3.00} ( 1 ). The financing of an automobile by a bank was not a consumer loan transaction where the bank was only the assignee of the automobile sales contract and therefore acted illegally in taking security in addition to the purchased automobile. XXXX XXXX 
XXXX XXXX XXXX XXXX ( XXXX ) 537 P2d 1207, 86 ALR3d 309. 15 U.S. Code 1635 - Right of rescission as to certain transactions. 12 USC 1431 and also 42 USC 408 15 USC 1602g The bank is committed fraud and misleading me out of my right Tittle 15 Subsection 1611. Please provide me the proper document which show all the factors where this loan originated from. truth and Lending Act, Case Law and Regulation Z Truth in Lending Act was passed to prevent unsophisticated consumer from being misled as to total cost of financing. Truth in Lending Act, Section 102, 15 U.S.C. Section 1601. Griggs V. Provident Consumer Discount.680 F.2d 927, certiorari granted, vacated 103 S.Ct. 400, 459 U.S. 56, 74 L.Ed.2d 225, on remand 699 F.2d 642. U.S. CONSTITUTION ON DEBT 25. THE U.S.

CONSTITUTION Article 1 Section 10 of the US CONSTITUTION states : No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts : pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. 2 ) It is impossible to pay a debt using Federal Reserve Notes : 1. Federal Reserve Notes are debt instruments as evidence by the word NOTE as in Federal Reserve Note that is on the dollar bill, ( 1 ) NOTE : " is a Debt instrument '' Blacks Law 4th edition ( 2 ) Federal Reserve Notes come into existence only by creating Debt. ( a ) The sale of T Bills, T Notes, T Bonds ( b ) " Fractionalized Banking on Deposits ( c ) Creating Loans
Product: Checking or savings account

On XX/XX/2021 I closed my account with lending clubXXXX XXXX  However I had a {$500.00} transfer from my XXXX  account going into this account According to XXXX XXXX they said they would reject my funds and it would be going back into my XXXX  account. I have filed a case with XXXX  and XXXX bank and both banks claim they dont have my {$500.00} transfer which shows it left XXXX XXXX into XXXX  but no where to be found I provided XXXX  XXXX  with a Web ID number XXXX It was transferred over to XXXX XXXX account XXXX There is no way two major banks lose {$500.00} I need this investigated immediately and my {$500.00} returned
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than the  one liste d on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there is no t one but I  requested it just in case I w as remiss. I  do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.
Product: Credit card or prepaid card

I contacted Capital One Credit Card on XX/XX/XXXX as a preventative measure as I had fraud on another credit card this past month. I wanted to add an additional security question to my account. During the conversation with the agent, I found out inadvertantly that Capitol One had given access to an additional person in XXXX that I never gave permission to as this was an individual account. 

I told them to remove the name immediately. I called in later that evening to ask for additional information on how this situation originated. I wanted to know how the permission was given, what relationship was provided, contact info, etc. and when exactly in XXXX as this was a direct violation of my privacy and Capitol One was negligent. 

I knew they had this info documented and recorded but they told me it had been erased from their system. A fraud supervisor named XXXX told me to call on XX/XX/XXXX which I promptly did the next day. The woman I talked to XX/XX/XXXX indicated that she did not have the information on her screen but stated that if I reported it to the local PD and had a case file that I would be able to obtain the information which seemed absurd but I did contact our PD XX/XX/XXXX. When I called them again XX/XX/XXXX, they said I would need a subpeona which is ludicrous. The Capitol One woman was adamant. I believe it is because they made a mistake and they know it. 

I have a right to this information. It's my cc account and my privacy that has been completely violated for 8 years.
Product: Credit reporting

The birth year on my Experian Credit Report is XX/XX/XXXX, but I was born in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the 1099 OID I filed with the Treasury/IRS this account is paid off in full please show as being paid in full for full amount Please see attached 1099 OID
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/209. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Product: Debt collection

XXXX XXXX have repeatedly called my job giving my coworkers information regarding a loan i owe them & providing information that should be private. 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Product: Payday loan

I received an email from XXXX XXXX XXXX demanding payment for a loan and threatening legal action. Also my social security number, informing my employer, and I have to contact them immediately or else! I received the email at XX/XX/XXXX ... .in addition I have never had ANY association with this company or payday loans. This is after they have already been cited for these practices and been ordered to pay millions because of this in XX/XX/XXXX! This is XX/XX/XXXX. I refuse to contact the company because I wo n't give them ANY personal information.
Product: Checking or savings account

XX/XX/2025 : While online at Marcus ( Goldman Sachs ) I noticed one of my three accounts lacked all monthly bank statements. I made a service call and confirmed with the rep that all bank statements were missing from that account, but I was not given a reason for this strange issue. The rep said they would print and send paper copies to me ( I didn't want paper copies ; I prefer electronic PDFs ). They printed approximately 18 months of missing bank statements on paper and sent them via USPS. 

XX/XX/2025 : I received printed copies of the missing bank statements via XXXX. On the same day, I also received an email stating that my statement delivery preferences had been changed and that if I didn't request this change, or if I had difficulty accessing my account to give them a call. 

XX/XX/2025 : I went online to Marcus to transfer funds to pay a bill, but my accounts were frozen. I could not access any of my money. I called and spoke with a rep who could not help and escalated the call to another rep. The second rep couldn't figure out why my funds were frozen, and they escalated the call to the " back office. '' I was told they would call me back. 

XX/XX/2025 : I have not heard back from Marcus. I call Marcus again, and go through the entire scenario again, explaining my funds are frozen and I can not pay my bills. The call is escalated again. The second rep tells me that they will send the call to the " back office. '' I told them to have someone call me and let me know what was going on with my account. 

XX/XX/2025 : I have not heard a peep from Marcus, I have bills to pay, my money is being held hostage, and I have no reason why there is a problem. I have not been contacted via phone or email by Marcus.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBP 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

A company states I owe a debt. I was traveling and they could not reach me. They contacted atleast 3 other people Daily that I  know and told them they were collecting a debt, How much the debit was and the company they are collecting for. Attached please find a voice message left for one of those people. They call these people daily. 
I will be contacting them today but it is illegal for them to contact others and state they are a debt collector and give them all of the debit information including amount client and saying they are a debt collector
Product: Credit card or prepaid card

XX/XX/2022 I was approved by Chase for XXXX XXXX  credit card. I had received the card and gone to a big box retailer on the XXXX to make a large purchase of around {$1600.00}. Chase repeatedly denied the purchase despite falling well within my limit. I called customer service and spend a combined 40 minutes on the phone wile standing in line being passed around to multiple reps each failing to correct the issue. I was told to continue swiping the card and using contactless pay. Each to no avail. My time was being wasted, I was getting embarrassed at the prying eyes. I reached a supervisor who told me the issue should be resolved but it wasn't. I was unable to use my card to make a purchase. I had to use another form of payment and then cancel this card as it was unusable. I am upset about the hard inquiry to my credit dropping it for an unusable card and what I perceive to be an unreasonable wait time to have chase help me. Hence the complaint. I wish for the hard inquiry to cease to exist and hurt my chances of getting another card to replace the malfunct chase card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of investigation letters to all three Bureaus. they have not deleted Names and address on my credit report that are fraudulent and that are not mine. Also the jobs that are reported are not accurate. there are accounts on my Credit report that i have sent letters about that are not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$860.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 
Date of Last Activity : Inaccurate High Balance : Inaccurate Date Reported : Inaccurate Account Name : DOE XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the egal authority to collect it or delete this account Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

Account Name : XXXX  Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

These items are either incorrectly reported or have already been addressed, and I request a thorough investigation and correction of the errors. I have previously contacted both the credit reporting agency and the data furnisher, but the issue has not been resolved. I have attached supporting documentation and screenshots of my credit report to illustrate the inaccuracies and substantiate my claim. Please investigate this matter promptly and ensure that my credit report is updated with accurate information.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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, based 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. 

and according to 15 USC 1681s-2 they are suppose to 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.