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

I want to cancel a recurring payment that I have with Toyota Financial Services because there are insufficient funds in the account to make the remainder of the lease payments. 
I called customer service on this and the rep told me she could not cancel the payment because I had scheduled it using the app. The Delete Payment button is missing on my end so this is not possible. The rep told me she would check with her manager and ended up hanging up on me.

I called customer service a second time and was promised a call back by a manager within 3 days ( 72hrs ) in connection with case XXXX. It has been over week and no one has followed up. 
In the attached pictures I have included a screenshot of the payment account that I want to use. I have the option of cancelling this payment. I have also included a picture of the payment I want to delete which is missing the delete payment button.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are not properly managing my credit report. These credit card companies are destroying my credit and I have never missed a payment. 

A credit score is very important to be a functioning member of society. That makes what these credit bureaus are doing illegal and highly unethical. 

I can only control my actions and I can not control anyone else 's. My credit score should be 100 % based on my actions and what choices I make. Currently, that is not the case because all the credit card companies that I had all reduced my available credit even though I had never missed a payment. This destroyed my credit because it shows that I maxed out all my cards. 

I clearly didn't max out any of my cards and have never missed a payment and so why are they allowed to destroy my credit??????? Why can a decision made by a credit card company affect my credit????????????? Why do I have zero control over my credit score?????????
Product: Mortgage

In XXXX XXXX I contact my mortgage company Wells Fargo regarding the status of loan. My monthly payment went from ( {$2000.00} to {$2500.00} ) and I contact Wells Fargo seeking some assistance to reduce the monthly payment. The increase was due to an increase of my property taxes. At the time Wells Fargo said I would not qualify for a refinance but I could get a a loan modification. During XXXX through XXXX of XXXX I continued to make all my payments to Wells Fargo. Wells Fargo recommended a loan modification to me as plan to help me, but this plan has really just caused me nothing but trouble now that I look back. My credit score has be dramatically impacted. I 'm just confused and frustrated how Wells Fargo collected {$9900.00} from me but reported me late on my credit report. While working with Wells Fargo every payment was made directly to this Loan Modification unit on time. I just do understand why Wells Fargo could assistance their customer by telling them to destroy your credit but continue to pay us.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX To Whom it may concern, I recently challenged the validity of Midland Credit Management account ( s ) thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with your company you have verified the same account ( s ). It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE these account ( s ) from my credit report immediately. 


Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Email : XXXX Date : XX/XX/XXXX Equifax Information Services LLC Fraud Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Fraud Dispute & Litigation Notice XXXX XXXX XXXX Account Dear Equifax Fraud Department , I am writing to formally dispute and report fraudulent activity regarding an account listed on my credit report under XXXX XXXX XXXXXXXX XXXX The details of the disputed account are as follows : Creditor Name XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$240.00} Account Status : Open Remarks : Dispute resolved; customer disagrees This account is inaccurately reported, and I am requesting an immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My dispute is based on the following : 1. The account is inaccurately reported as " Open '' when it should not be listed as such.

2. This account was fraudulently opened or inaccurately assigned to me without my authorization. 


XXXX. XXXX XXXX XXXX has failed to provide proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 


XXXX. XXXX XXXX XXXX response to my dispute with the Consumer Financial Protection Bureau ( CFPB ) did not provide sufficient validation of the debt. 


XXXX. The company has already agreed to cease communication, which indicates that the debt may not be legally enforceable. 



Additionally, please be advised that this matter is currently under litigation, and continued reporting of this disputed debt may constitute a violation of my consumer rights. Any further reporting of inaccurate or fraudulent information may be grounds for legal action under the FCRA and FDCPA.

I have attached supporting documents, including my formal dispute with XXXX XXXX XXXX and their response to the CFPB complaint, for your review. In accordance with the FCRA, please conduct a reinvestigation and delete or correct this fraudulent information within 30 days. 

If Equifax continues to report this account, please provide me with a detailed explanation of the verification process used, including the name and contact information of the party who verified the account. 

Please confirm receipt of this dispute and notify me in writing of any updates regarding my request. 

Sincerely, XXXX XXXX Email : XXXX Attachments : 1. Copy of credit report entry 2. CFPB complaint and response from XXXX XXXX XXXX XXXX. Any additional supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a Collection account on my report, that does not have the correct status, not correct history. They claim that I called into their offices to claim the debt as mine, which is wholly incorrect, and I demand to see proof. I also asked for proof of the debt that they claimed that I owed to be sent to me, via disputing with the credit bureaus. They ignored my request, and nothing has ever been sent. 

My account with the utility company has been paid in full, directly to the utility company, and is currently in good standing. This collection company has no dealing with me, no contract, and no promise to pay. I have never had a contract with them, and they have no right to report incomplete account information on my report. 

I am now requesting that they send me a complete and detailed report of their claimed right to report negative information to the credit bureaus about me. 


Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Product: Checking or savings account

Ussa Bank has been holding funds in our account for over 5 mnts. Someone scammed my son and deposited a check that the account was closed. We talk to Ussa stated that my son got scammed and that there were no more pending deposits. they then stated that they would old money in the account in the amount of XXXX until they can ensure that no more transactions need to be covered. It has been well over 5 mnt with not other transaction in or out of the account and they will not release the money and close the account out. I have talked to them many times they would not let me speak to the review department. and they will not let me know when the money will be released. they stated they do not know and can not tell when my money will be released. Account Number XXXX Name on account XXXX XXXX and XXXX XXXX
Product: Vehicle loan or lease

Vehicle is a XXXX XXXX XXXX leased through XXXX XXXX. Vehicle was turned in XX/XX/XXXX ... yes XXXX at XXXX XXXX of Arizona, ( XXXX XXXX Manager XXXX ) Payment was sent to Nissan plus I paid the final {$260.00} per Nissan to complete all payments due for lease through XX/XX/XXXX. XXXX repeatedly called Nissan to pick up vehicle, sent them the odometer statement with no response from Nissan and til this day XX/XX/XXXX, over a year later the vehicle still has not been picked up by Nissan. XXXX did say that Nissan is guilty of this practice every time they take in a XXXX or Nissan because they do not want to pay to pick up vehicle. I repeatedly have spoken to both parties. Around XX/XX/XXXX Nissan called me to ask weather I was turning in the vehicle or wanted to purchase, this is nuts when the vehicle was turned in on XX/XX/XXXX. They have continued to keep account open and I have accumulated 2 payments overdue and I have a spotless credit report. I also spoke to XXXX XXXX at Nissan ( XXXX ) the last time being XX/XX/XXXX and also by email that day and he is well aware the vehicle was turned in in XXXX of XXXX. Would also like to know what XXXX has been doing with vehicle after over a year, did they use it for all this time?
Product: Debt collection

Balance is {$800.00} from pro collector and original credit name is XXXX XXXX XXXX
Product: Checking or savings account

Hello, I opened XXXXhree dispute cases with Wells Fargo Bank regarding the non-receipt of merchandise/services from an online gaming company. These purchases were made to upgrade my gaming account. 

Wells Fargo Bank closed the disputes without requesting any supporting documents. They claimed that I had filed too many disputes and were unable to assist me. 

I provided supporting documents for the website purchases, clearly stating that I did not receive the service. Furthermore, I included confirmation from a customer support agent, affirming that the transactions were pending and not permanent. I was assured that a refund would be processed eventually. Unfortunately, this refund never materialized. 

Despite sending multiple faxed documents to request the reopening of my cases, I have not received any response from Wells Fargo. 

I am now seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ). I kindly request their intervention to urge Wells Fargo to reopen my claim with the merchant. Additionally, I request that the merchant either provide credits to my account or refund my money. 

Please find below the claim numbers : XXXX XXXX XXXX
Product: Credit reporting 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 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 an 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 to believe that the information is inaccurate.
Product: Mortgage

I believe Wells Fargo knowingly mis-managed, mishandle and charge me in handling my mortgage. 
As a consumer I had to go to extend and go to XXXX  XXXX to clear things up. All is in the records. 

Know that all came to light I expect, as a consumer, to be compensated for the wrongful doing of Wells Fargo Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX/EXPERIAN/XXXX I am writing to dispute the XXXX XXXX account ( Account number : XXXX XXXX  that is listed on my XXXX credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with XXXX XXXX 

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b. 

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by XXXX XXXX is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX XXXX sold $ XXXX of debt to Real Time Resolutions as I was not making payments on this line of credit, nor was I making payments on my first or second mortgage either, because we were upside down on the home ( owed {$450000.00}, sold for {$180000.00} ). The home was foreclosed on in XXXX of XXXX. 
This XXXX, XXXX, I pulled my credit reports, and noticed that Real Time Resolutions ( RTR ) was reporting a debt collection as a 'Mortgage ' and that it was 'Open '. This means the debt could be reported indefinitely. I sent RTR a letter, XXXX/XXXX/XXXX, demanding that they correct this as 'closed ', report is as a debt collection, list the original creditor and the original date of delinquency, as I believe it is past the statute of limitations on 7-Year reporting. I also demanded a copy of my 'Loan ' documents as well. RTR had previously had to remove a fraudulent report of a one-time payment, shortly after the foreclosure, I feel in a deceptive attempt to " RE-AGE '' this account. Why would I make a payment on anything on a home that I had already moved out of, and left for foreclosure? RTR corrected it. 
I just received a letter from RTR, XXXX/XXXX/XXXX, stating the information would not be changed, that it is 'correct ', with a cheap spreadsheet attached called " Loan History Summary '' ( also showing no payments ). I did not receive copies of the original " Loan '' documents as requested. 

Real Time Resolutions is a debt collector and a debt purchaser. They are not a mortgage company. I want the debt listed as a collection, with the Original Creditor listed and the Original Date of Delinquency listed as well, so this debt will drop off soon, if not now, as I believe I had not been paying on this equity line long before I stopped paying my mortgage. Otherwise, I want REAL proof that I signed a mortgage with this company, as demanded. What RTR is doing is DECEPTIVE, ABUSIVE and UNFAIR, and violates the Dodd-Frank Act. 

My credit is not improving after the foreclosure which happened over XXXX years ago. It is stagnant because of RTR, forcing me to pay higher interest and fees, and even forced me to pay an additional deposit on a home I just rented in XXXX, XXXX, due to my credit score. My current credit reports do n't even mention the old mortgages anymore, only RTR remains. I have read that RTR does all this to force settlements/payments, as they are the only ones left after foreclosures, and people ca n't move on and rebuild their lives until RTR gets paid, only because people are n't educated on Real Time Resolutions deceptive practices. 

Please help us resolve these issues, help us get proper documents as proof that we owe or do not owe, and make RTR report this debt as a collection correctly to the reporting agencies. 

Thank you.
Product: Credit card

This formal CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you American Express , reinstate my American Express Gold Credit Card account due to me being fearful I have not only been shown prejudice, but coequally alarming wrongfully refuted wholesomely resolution when punctually providing assigned representative the requested documentation to keep my account open.

For innumerable weeks of the Financial Review department violating American Expresses Policy and Community Guidelines by refuting my request to have this matter escalated above supervisory and deliberately causing usual complications by being in violation of the FCRA laws having no legal right to close my account.
Product: Credit reporting or other personal consumer reports

I have sent a validation letter to XXXX XXXX to validate debt and provide me with agreement that I owe them the alleged collection. - This was over 40 days ago, and I have also enclosed the return receipt showing the signed for my letter. 
I have received no response, and Its still reporting on my credit report. 

ALSO they are in violation of the FDCPA : Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ( C ) ALSO - because at no point have they Spoken to me in person Spoken to me by telephone They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication to me. Ive included a copy of the account on my credit report.
Product: Credit reporting 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 XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 informat
ion 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 to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information regarding my capital one account beginning with XXXX. There were fraudulent charges on this account and this account is involved in litigation. they are reporting inaccurate information and also sold this account to XXXX XXXX XXXX. THEY are reporting twice which is illegal this account need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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.

I am writing to dispute certain items on my credit report that I believe have been reported unlawfully and may be in violation of federal law, specifically 18 USC 894.

Upon reviewing my credit report, I have identified the collection. These items appear to be associated with attempts to collect or punish me for non-repayment of credit in a manner that may be considered extortionate.

Under 18 USC 894, it is unlawful for any entity to knowingly participate in the use of extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof. I believe that the reporting of these items on my credit report may constitute a violation of this law.
Product: Checking or savings account

I opened an account with Citi Bank on XX/XX/XXXX with an introductory offer that promised a {$700.00} bonus deposited to the checking account if certain terms were met. The terms were to deposit {$50000.00} into the account within 10 days, and keep the funds on deposit for 60 days, and then the bonus would post 90 days after that. I met all of the terms of opening the account, but Citi has not posted the bonus to my account. 

I reached out to Citi on XX/XX/XXXX to confirm that I had met the bonus terms and ask when I can expect the bonus to post, since it was already late in accordance with the terms. On XX/XX/XXXX, the Citi customer service rep confirmed that I had met the terms of the bonus and that I would receive it by the end of the month ( XXXX ). It is now XXXX, and I haven't received the bonus in accordance with the terms.