23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I leased a car from Toyota with Toyota Financial Services providing the funding. At the end of the lease I turned in the car, confirmed all XXXX payments had been made and was told via their customer service line that, despite the webpage showing another payment was due in one month, I would not be charged as I had complete all of my obligations. However, one month later the payment was taken from my checking account. I called the customer service line again, they agreed to refund the money via a check ( meaning I 'd have to wait a week or more to have my money back ), but that the error was mine not theirs. The customer service representative said that it was my fault this occurred because I did not login to the website and direct them to not take any further payments. The customer service representative told me I should have been provided a prompt when I accessed the webpage, but I did not and the previous customer service representative did not say I needed to perform any such action. In my opinion this is stealing and Toyota Financial Services profits off of people who may not manage their checking account as closely as I do. Once the obligation of the consumer is completed I believe the lender also has an obligation to ensure the consumer is protected.
Product: Credit card or prepaid card

DISPUTE : Capitol One Credit Card A bank account was added onto my account as a payment method.. This was done without my consent or knowledge. It Was added by a hacker.who then added funds by making large payments to my account by using this fake bank account. Then the credit card company allowed that bank to be added to my account ... Even though the bank wasnt in my name. Then without first verifying that account was active. And was truly my bank account..or even that funds were available ... They cleared the payments. Declaring them available. Posted them to my account. The hacker Then withdrew the funds. Funds were cleared without the credit card company verifying the funds were available. Allowing the hacker to withdraw these funds. 
My name isn't even on this bogus bank account. So why did they accept and clear this bank account? Especially since ... nor my name, address or anything on this account has me ever having been associated with that account? And why would the credit company have posted the payments made from this account without first verifying the funds were available? They made mistakes after mistakes. Allowing a hacker to take advantage of there XXXX  ... and my vulnerability. There at fault ( credit card company ). Now i can't express this enough ... the bank account they allowed to be added as a payment method ... was not mine. Nor was it in my name. Why would they allow a bank account to be used that wasn't in the account holders name? What measures do they require in order to verify that bank? because they clearly never contacted me.They kept clearing and posting every payment the hacker made without ever actually getting the so called funds from the hackers phony account. nor did they ever contact me to verify all these large payments that we're being made. one right after the other. Then allowed the funds to be withdrawn immediately after they cleared. This was done over and over within the same month. no one suspected fraud? this is insane!!

now they want to charge me for there XXXX??? 
help Me please? 
anyone should have easily seen that my account was being victimized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate. I dispute any debt these companies claims to have on me. You must stop all collection activities. Do not call my telephone number. If you were ever giving permission to call this telephone number I am revoking that now. My demands are : For you to provide me the audit trail This is what I need included in the audit trail : * Account file * Ledger * All accounting documents * The transactional history
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report despite your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are significantly affecting my credit score. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified this account, so I may follow up.

Please also send me an updated copy of my credit report following your reinvestigation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX my cash app account and XXXX  accounts were compromised. When I caught on i was able to change credentials and take matters up with my bank. However there were some funds in my cashapp account totaling XXXX that i cashed out to my checking account to a total of XXXX. On that day a total of XXXX was taken from my checking account and out of that i was able to recover the XXXX and my back helped me with the rest. Now cashapp has taken that XXXX back according to XXXX XXXX XXXXXXXX theres a law that since the amount was deposited by them they can legally reclaim it. This is total bs and the bank cant even dispute or nothing. This totally absurd and i want my money back. I have tried dealing with cashapp and they are bigger crooks than the folks that tampered with my account initially.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  I am writing to formally dispute the inaccurate information reported on my credit report by XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this account. If the information can not be verified, it must be deleted promptly.I am disputing the validity of this debt in its entirety, the account in question is reported by XXXX XXXX XXXX XXXX  and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$1200.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Profit and loss write-off. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX XXXX XXXX XXXX, as required by the FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$1200.00} is shown as 136 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$1200.00}, which does not align with my records. The presence of this incorrect charge-off and collections status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I got a personal loan from BBVA Compass bank and the first payment was due on XX/XX/XXXX so i set up online with my bank XXXX Bank to pay it online, in setting up the online information, I mistakenly put my checking account number at BBVA Compass Bank as my loan number so when I submitted the payment on XX/XX/XXXX for {$470.00} for the loan I received a letter from BBVA collections saying they did not get the payment so i need to send them proof of payment. I went ahead and made another payment to avoid being late which was later reversed by them after telling me they have received the funds on a call from XXXX bank in my presence with a banker. Since XX/XX/XXXX I have sent them five proof of payments and even printed a statement showing the funds taken out of my XXXX account with my pre and post balances. I was even talking to a local Banker of XXXX by name XXXX XXXX in the XXXX Texas branch, even went there four times and as of last Tuesday XX/XX/XXXX BBVA said they did not get the money and have been harassing me with phone calls at work and odd times at home but I have continued to pay them ontime and they have been putting fees on the payments. I need help please in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have failed to provide me with my credit report when requested. 
After numerous attempts to rectify, success has not been met.
Product: Credit reporting or other personal consumer reports

I'm wanting this hard inquiry to be deleted because I did not authorize these companies to run my credit, which is fraudulent. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reports my XXXX XXXX account into collection. This account was paid in full and should have never been reported on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX, XXXX XXXX are third party companies. I never have students loans. I am a victim of identity theft, & my information has been in several data breaches. 

This is a Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans.

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.
Product: Debt collection

I have no idea who this company is collecting for as they have never identified themselves. The recorded message states that they have attempted to call me 5 times, which is not true. The message goes on to say legal action will be taken if I do not return their call. They never identify who they are by giving their company name. I have a right to know this before I give personal information out over the phone.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I respectfully request the immediate blocking and deletion of the following fraudulent accounts from my credit report. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have these accounts blocked and permanently deleted. 
Fraudulent Accounts : DEPTEDXXXX XXXXXXXX XX/XX/year>XXXX  {$0.00} XXXX XXXX XX/XX/year>XXXX  {$0.00}
Product: Checking or savings account

Hi! My personal information ( including my name, date of birth, email address, and social security number ) were leaked in the XXXX XXXX data breach last XX/XX/XXXX. Since then, people have tried to open numerous fraudulent accounts using my information ( including fraudulent applications for credit cards with XXXX and XXXX ). 

Most recently, someone opened a fraudulent checking account with Chime using my name, email address, physical address, and social security number. The account was opened in XX/XX/XXXX. I believe it may actually be Chime itself that opened the account ( perhaps a la XXXX XXXX ). The account weirdly included my newest address ( which has NOT been leaked in any data breach, at least as far as I am aware and I have all my information monitored for sale on the dark web ). Chime also required no identity verification to open the account because all of my credit files are frozen/locked and my email never received a verification email. The whole thing is really fishy and I had a pretty difficult time getting Chime to delete the account. I am also not the only person to have this experience ; there are several long threads on XXXX ( linked below ) with many other people who have had similar experiences. 

https : XXXX https : XXXX
Product: Debt collection

XXXX XXXX XXXX have refused to allow me to seattle the account. I have provided all info for a medical hardship to seattle the account which they have refused. I have spoken with a XXXX XXXX she has been hostile and refusing to resolve.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

The following credit card companies have not helped me in any way gathering pertinent information to help me with filing a civil suit as well as aiding in helping me with being a victim of identity theft by my husband of 12 years. My husband committing identity theft on me back in XXXX with using my ss # and taking various credit cards out, opened online betting accounts, forging my signatures on the back of these credit cards where he was also allowed to use these cards in retail stores, and used my name falsely to do a change of address through the USPS to avoid me catching him committing acts of identity theft with statements being sent to residences I 've never resided at but his parents did. I recently found out about when he was court ordered to leave my house in XXXX XXXX. I found various documentations along with proof of identity theft against me which I have indicated to each credit card company along with a Police Report, FTC affidavit, Federal Reserve complaint, and having actual proof with texts indicating he committed theft against me without my knowledge or consent. All credit cards are coming up with excuses to not re-open the investigation and not XXXX credit card company is willing to help me because it seems they just want me pay for all charges that I did not consent or know about. My husband also recently committed fraud with filing a joint tax return in XXXX when we were legally separated without my consent or knowledge and deposited a check into an account I did not have access to. I 'm currently working with IRS to take care of this matter. I am also working with USPS for my husband issuing them a change of address listing his parent 's addresses on XXXX occasions from the time I moved out of PA in XXXX. I am listed down as living at his parents house since XXXX and then recently he made a change with listing my legal address at his mother 's current house. I 've never legally lived at either houses. The following are the credit cards I am requesting full statements from since XXXX that I have not been sent other than giving them my legal address that differed from the XXXX they had on file and sending me the last statement to pay their cards. The following credit cards are : XXXX ( XXXX XXXX took over this debt and even they are not wanting to open this investigation ) Capital One - They contacted me to let me know they will not re-open this investigation for XXXX charge of {$140.00} ( the amount owed on this card is {$4100.00} ) and apparently I used my lic. to rent a XXXX. Once I contacted XXXX, it shows on a contract signed by my husband, his license not mine on file. When I contacted Capital One showing them this proof they then proceeded to state we are not opening this reinvestigation because calls were made from your cell phone. I lived with an abuser who easily had access to my phone. They are continuing to make excuses to not open this investigation. 
XXXX Bank - They 've stated twice they sent out all statements back in XXXX and again in XXXX. I have not received anything XXXX Card - They keep transferring me and finally gave me an address to write my complaint XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX has violated my rights, Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights Account name : XXXXXXXX XXXX  # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX  # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : XXXX XXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name XXXX U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : XXXX XXXX Bankruptcy # XXXX has violated my rights Account name : U.S. Bankruptcy Court # XXXX has violated my rights Account name : XXXX XXXX  Bankruptcy # XXXX has violated my rights Account name : US BKPT CT NY XXXX XXXX # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause t
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXX XXXX, Account Number : XXXX & Account Name : XXXX XXXX XXXX, Account NumberXXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A 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

Experian Credit Reporting Agency has sent several result letters stating that they've investigated the accuracy of the XXXX XXXX XXXX and they're stating on the results letter that they've verified through third party XXXX XXXX which I don't understand how this is feasible since I have a security freeze on my credit report since XXXX Please explain how my information is being communicate without my knowledge as no one from XXXX XXXX has reached out to me for permission to release my information.
Product: Debt collection

i paid the collection agency and they said within 2 weeks, the debt would be taken of my credit report. 
it has been a year and every time i have called i get the same answer that they are working on it.