23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After hours on the phone with Southeast Toyota Finance, a company who I leased a XXXX  from regarding how to settle a debt they suggested I needed to pay, I still am years later getting calls. 

Initially they said I owed a full amount after returning the leased car because of wear and tear. I had to spend hours proving I paid extra a month to cover that. 

It was explained that it didn't include all of it. Also that they did not get a key fob that I mailed in to the XXXX dealership. 

I had to call over and over to get a letter on their letterhead stating they DID get the fob, which they had. I could not email anyone about this of course at Southeast Toyota Finance. 

I am still getting phone calls from XXXX after they suggested a reduced payment to {$500.00} and I paid {$100.00} and processed the key fob request which should be another {$400.00}. I've spent months hearing from them. They do not have an email and the woman I discussed settling this with did not do what she said. 

I am still getting phone calls from XXXX after talking for hours with XXXX and the XXXX dealership, which faxed them information regarding the key fobs being replaced which should take down the payment {$400.00}. They had offered a cash out for {$500.00} and I payed {$100.00}. They continue to call me and they are unethical and incompetent. 

They keep calling and reporting I owe them {$270.00} but based on everything I've spent hours and hours they should be paid off. They are still trying to take advantage of me. At one point I got a letter saying they still want me to want me to send them a letter on XXXXXXXX XXXX letter head. This is fraud. They need to be investigated. Mostly though they make it impossible to really communicate and they don't follow through after you are on hold for hours.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to SYNCB/MC about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Debt collection

In 2010 I broke a lease with XXXX XXXX Apartments. I was wage garnished, and I paid XXXX for breaking the lease and XXXX for the damages and repairs. I have court documents that support the debt was legally sold to ( XXXX XXXX XXXX ), and paid in full. In XXXX of 2010 I applied for a home and was denied because I " supposedly '' owed I Q Data International, for the same debt that I already paid. I sent them the legal documents, and reported them to the credit bureaus, but the debt is still on my credit. I would like it removed because it should have never been on my credit XXXX. If anyone else is having this issue I want to join a class action suit, or maybe we can start one. XXXXXXXXXXXX I attached court documents that prove I have paid the debt, I also included directly from my XXXX Credit report the page where the debt comes up XXXX, with a XXXX dollar difference.
Product: Credit card or prepaid card

My Barclays Uber Visa card is being replaced with a Barclays Mastercard with no way of utilizing my current accumulated rewards.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent and recent findings by the CFPB, which identified similar practices by navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card

When I was approved for my auto loan. The bank rep said I was approved for a credit card. I clarified if it was an application for a preapproval or was I already approved. SHe responded that I was already approved. I said ok. SHe explained that I have an introductory offer of 0 % interest for 12 months on new purchases. I asked could I prepay 12 months of my auto loan on the card. It makes sense to paydown an interest loan on a card with no interest. SHe responded that she did not know & that I should call the loan department. Instead of prepaying on my auto loan. I made some large purchases. Two were prepaying other bills to receive a discount & the third was an expensive watch. When I received my first bill I saw I was charged interest. I contacted US Bank through their website explaining the situation. I also explained that I was lied to on a previous card application. I was also told I had no interest for 12 months & 1 % cash back. I received a response explaining what the introductory offer was. Which did not include 0 % interest on new purchases. They basically danced around my complaint & blew me off. Last XXXX I emailed the rep who assisted me with the auto loan. I still have yet to receive a response. I do n't like being lied to so that you can make a sale, earn a spiff, or anything else. THen for the company just to not even address the complaint is XXXX! Now I am paying interest which counter productive on the savings for prepaying & on a watch that I would not have purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am sending my second request to three Credit Bureaus about the information they reported in my credit file that are seems to be an error or a fraud. In regards with this, I am asking for your help to remove those items which are fraud and these items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX A XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Checking or savings account

I had a transfer and they asked me for the bank statement of that person who make a transfer to me and I send them the bank statement and everything they asked for so in the end they decide to close my bank account and saying to me the remaining funds will be transferred to me in my new bank account so I provided the new details of my new bank account but they still not send it all this happened before XXXX XX/XX/2023 so since that time I dont have a call from them when I tried to call they saying they still running out some checks I did even made a complain but still nothing. 
I have in that bank account XXXX ( saving ) and some XXXX or XXXX more in normal XXXX regards
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX, and XXXX credit report.National Credit Adjust opened XX/XX/XXXX, National Credit Adjust opened XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I just login to my XXXX XXXX and see banks been tired to open, loan application also, collection that I didnt do theres a lot from XXXX Law-15 USC 1681- XXXX collection {$1900.00} XXXX call me and said I have an bal of XXXX Citizens call me said I have a XXXX XXXX call me and said a XXXX XXXX  call me saying a XXXX check was deposited and they close my XXXX XXXX XXXX XXXXXXXX business call me saying a XXXX check was deposited and they closed my account Nobody told me what to do how to go about it so Im reporting everything to get off my credit I didnt make any of these charges or tried to open any accounts i only have XXXX XXXX XXXX via 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 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
Product: Mortgage

My wife and I signed documents that we did not understand we really need some help they gave us money and said we do not have to pay it back only when we sell the house we did not understand that but we needed the finances to take care of the things in the home could you please someone contact us I do have copies of what they gave us I would like to send a copies to you we just didn't understand what we were signing we did read the documents but not getting an understanding of what they were saying please please someone respond thank you
Product: Credit reporting or other personal consumer reports

I was doing a business purchase and was asked to get my personal info for id purpose. Next thing I kno. It was car inquiries all over my credit at different times & I only did business app but this was for personal loan inquiries
Product: Prepaid card

I simply have tried repeatedly, by email and customer service phone number, to cancel this card. I continue to receive monthly statements, despite asking to cancel the account and the card. I have expended it completely and the balance is XXXX. I was issued the card by XXXX XXXX in order to refund a {$210.00} overcharge they errantly made- it was their mistake in the first place! 

When I called today ( the second time ) to customer service number on the card ( XXXX XXXX ), I was asked to give personal information beyond that I gave in activation of the card XXXX XXXX, 2022. Now, one year later, I continue to receive monthly account reports via my email. I have repeatedly tried to cancel it via email, too! Each time, a message told me I had to provide information well beyond that required to activate the card in the first place, a clear violation of privacy of customers. 

To show the gall of this company in giving me the run-around, I was asked what the make and model of my automobile is in today 's call. When I refused to continue this invasive and potentially fraudulent questioning, I was told I'd have to somehow send a copy of my government issued ID to cancel the account! I hung up once it was clear the attendant - XXXX ( she refused to give her last name, despite the assumption that I have no privacy rights, since she has all my info ) and others on the call- were just trying to gain personal information. I assume they plan to use the information for purposes I have not approved and are blackmailing me to turn over undue information in some form of bait-and-switch operation. The " scraping '' of personal information for resale or even directly intimidating/influencing me is a documented problem in artificial intelligence and other scams. 

Please ask the company - XXXX XXXX patient refund card, in association with Bank of America debit Visa, to close the account and stop sending me month statements that conceivably threaten my credit rating or ability to use other credit/debit cards for my needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$350.00}
Product: Credit reporting or other personal consumer reports

According to the Fair credit Reporting Act Section 605B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX 60 day late payment, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 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

I took a look at my credit report and noticed some unauthorized inquires on my report I called the companies they told me too get in contact with the credit companies
Product: Vehicle loan or lease

My lease was up in XXXX and I decided to purchase the 2020 Hyundai XXXX. I sent the check to Hyundai on XX/XX/XXXX ( {$12000.00} ) and they cashed the check on XX/XX/XXXX. They sent the title in approximately XXXX XXXX later but failed to send the lean release. I can not register the car in my name until I receive this release. I have been in contact with Hyundai Finance for over a XXXX now and XXXX XXXX I'm told its being processed and will be mailed in XXXX XXXX XXXX XXXX. I call again, and am told it will be mailed tomorrow and I'll get it in XXXX XXXX XXXX XXXX. This has been going on for XXXXXXXX XXXX and still can't get an answer when I receive the lean release. I don't know where else to go to get help. AT this point i'm ready to get my lawyer involved. Any help you can give me would be appreciated.
Product: Mortgage

I applied for a home loan with Mortgage 1. The loan I was looking to get was for first time home buyers, FHA 30 year fixed. I just graduated XXXX school within the last year so my pre approval and closing of the loan was supposed to be on my last years income. My loan officer took my financial income for 3 years prior instead of only using the last years income. I called and emailed my loan officer and her office secretary a number of times stating I wanted to know the daily interest rates and I wanted to lock in my loan when I was ready to do so, depending on the daily rate. NO one ever knew the daily loan rates and never would get back to me with the information I was asking for. My loan officer then told me her secretary locked in my loan rate with out my approval and did not even know what she locked it in at. My moving date was 3 days away and I was told If I did not sign the paper work I would not get the house. After figuring out the interest rate she locked me in at I questioned why it was so high from what was quoted to me. Her response was My credit was really bad and I dont get a better rate. FHA loans do not discriminate on credit scores. FHA excepts interest rates at XXXX my credit score was XXXX. My loan was charged a point over what it should have been. The lender made about 18 grand off my FHA loan. I also had to use their attorney for escrow, where the real estate attorney removed closing statements that were the lenders closing statement from my closing documents, stating the numbers where off due to a glitch in their system. My federal house loan ended up costing me XXXX, I went FHA because I felt like it would be a safer loan in consumer protection. These people made a ton of money off a single mother of XXXX children who works full time and is a XXXX. XXXX an unhappy Federal backed home loan consumer who got robbed by a business.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1682 c and FCRA Section 605, you have violated my rights by in lawful communications. Please remove and block these debts that don't belong to me. Documentation has been provided. Addresses : XXXX XXXX XXXX. - XXXX, TX. XXXX X Cancel, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Inquiries : XXXX XXXX XXXX Reporting -March XXXX Acceptance - XX/XX/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  Opened by the Thief Company or Organization : XXXX Fed. XXXX XXXX XXXX fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX or Organization XXXX XXXX XXXX XXXXt Number : XXXX - Date fraud XXXX -Date that I discovered it : XX/XX/XXXX -Wrong Dates being recorded inaccurate information. - I've never been late on my Mortgage since I obtained it. I have proof of this information as well. Something needs to be corrected at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, VA XXXX XX/XX/1987 XXXX Equifax XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : I am writing to you because you are reporting collections on my credit report that I do not recall. Please see items listed below : XXXX {$590.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$290.00} Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 


XXXX XXXX
Product: Debt collection

I received a letter from CCS USA. dated XX/XX/21 accusing me of owing them {$200.00}. They purchase the debt from XXXX XXXX XXXX. I do not know these companies and never signed a contract or did business with them. I contacted CCS. they have no permissible purpose according to the FDCPA AND FCRA THE PRIVACY ACT as well. They can not sell or buy debts. I have to have had a contract with my signature as proof. CCS is a? 3rd party collector to a debt that is not owed. As solution i want the harrassment to stop from them in this pandemic. I already contacted XXXX the so called original debtor to rectify this situation. It's my right. As a vulture company Ccs is officially advised to not further pursue this FRIVOLOUS claim. Im ready and willing to use resources set fourth by the FCRA FULLY.