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

Ive signed a contract with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. The financing is done through Exeter Finance LLC. Now Ive had problems with this car since a week after driving it off the lot on XX/XX/XXXX, where it states on my diagnostic through the vehicle that nothing is wrong but a check engine light came on that same day like it was hidden in the system. I also have proof that my odometer was rolled back by 45 miles prior to selling me the car. I also had a warranty added on that I was not notified about that was active for two years that wouldve helped but based on my research they are a scam company and do not pay out when it comes to replacement repairs. I have also been put into financial hardship further with this car because my car payment on contract is {$340.00} with interest rate of 28.99 % but with contract with XXXX  XXXX it says {$340.00} with interest rate of 27.99 % and was told that this was a relatively low number especially with a co-signer and a required down payment by the dealership. I am honestly upset by how to the untrained eye it can look like my contract is great but to those who are experienced in the vehicular industry have said Ive been basically sold a dream.
Product: Vehicle loan or lease

I am a natural person a living being, and I have rights under 15 USC 1693 Among its requirements. The rule mandates remittance transfer provides generally must disclose the exact rate, the amount of specifics fees, amount expected to be delivered to the recipient. Westlake financials is governed by these laws. I demand that they make me whole with providing me with a new vehicle free of charge.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of my account [ XXXX XXXX ] on my credit report. Upon reviewing my credit file, I noticed that your company has reported this account as a charge-off. However, when I requested a Form 1099-C as required by the IRS for charged-off debts, your company denied that a charge-off ever occurred. This inconsistency raises serious concerns regarding the accuracy of your reporting. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate and complete information to credit reporting agencies. Your contradictory statementsclaiming no charge-off occurred while reporting it as such to credit bureausdemonstrate a clear violation of my rights under the FCRA. This inaccurate reporting is harming my creditworthiness and financial standing. 

Therefore, I demand that you immediately : 1. Provide proof that your reporting of the charge-off is accurate, including any internal documentation reflecting the alleged charge-off and the reason a 1099-C was not issued.

2. Correct this inaccuracy by either removing the charge-off notation from my credit report or deleting the account entirely if you can not substantiate your reporting.

3. Cease any further reporting of incorrect information to credit bureaus.

If you fail to correct this inaccuracy within 30 days, I am prepared to take legal action under the FCRA for damages caused by your negligent or willful misreporting. Additionally, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect a written response confirming your corrective actions within 30 days of this letters receipt. If you require additional information to investigate this matter, please notify me promptly. 

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

i never got a loan from XXXX student loans i never went to school in the usa so no need to get a loan XXXX student loan is reporting incorrect and wrong information on my credit report
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX from transunion credit bureau I saw some hard inquiries that did not have my permissible purpose. I also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also again XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have no permissible purpose to be on my credit report please delete these inquiries to violation XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is an XXXX account that I never open or applied for on my XXXX and equifax report. I have reach out to the companies directly and the credit agencies the only agency to respond proper was XXXX XXXX. I have filed a police report and given the person info who I believe stole my identity. 


I am unable to get a home lone because of this one fraud account on my file.

I need this removed per the FCRA rules. 

I will retain council if this is not investigated and removed.
Product: Checking or savings account

I have been trying to close my account for several months since I have not lived in the XXXX for a few months now. Bank of America was not able to provide a way to transfer my funds to another account since the system requires a debit card which I no longer have. 

In the meantime, they have charged me {$12.00} for 4 months due to having less than the minimum required funds to avoid fees ( therefore {$48.00} in total ).
Product: Credit reporting or other personal consumer reports

Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened on XX/XX/XXXX with XXXX XXXX XXXX under the account number XXXX, a personal credit card account with XXXX XXXX opened on XX/XX/XXXX under the account XXXX, and a credit account with XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit reports through XXXX, and Equifax displayed a full credit report for someone else, " XXXX XXXX '' of XXXX, CA. The report displays the last four digits of my social security number, and " XXXX '' and I have the same birth year and appear to live in the same state, but otherwise we couldn't be more different. I am not sure what's going on, but assuming " XXXX '' is innocent in all of this, this is a HUGE invasion of his privacy ( which I think he should know about ), and I'm concerned my file is being mixed up with this stranger 's. 

I attempted to file a complaint in Equifax 's system right away, but I couldn't submit because answering the security questions honestly didn't work ( because the questions were for " XXXX '', and we are not the same person! ) and my only other immediate option was to file a line-by-line dispute which is irrelevant to me because the whole report isn't mine or submit a statement that'd be displayed in his file, which is obviously not the right option.
Product: Credit card or prepaid card

I have had flawless credit for 30 yrs. I've had Chase credit cards, " Chase Freedom '' specifically since XXXX with no problems ever. I've done many balance transfers in my life, so I have plenty of experience. I recently did a balance transfer with Chase Freedom for {$9000.00} ( did many with other Chase cards, but apparently not " Freeedom '' ) When I got my first bill, my minimum payment was {$470.00}. I was SHOCKED. I immediately called on XX/XX/XXXX. The representative told me that the min payment was so high bc they were making me pay the " Balance transfer fee '' up front, but my future payments would be around {$90.00}, 1 % of total balance ( which is standard, AND the rate THEY ADVERTISE ) I went to pay the next payment on XX/XX/XXXX & was once again SHOCKED to see my minimum payment was {$440.00}. I paid it, but I have been trying to work this out with Chase ever since. Apparently, the representative was WRONG & I am actually expected to pay 5 %, instead of the standard 1 % they normally charge, bc that was written in my " user agreement '' paperwork back in XX/XX/XXXX!! 28 years ago!!! They currently charge 1 % to everyone else in the world. My other cards, including Chase, are all 1 %. This {$440.00} is an unreasonable amt to expect someone to pay for 1 credit card. I have kids & many other bills to pay. They never warned me they were so " off the charts '' with their minimum payment percentage, ( except for my original paperwork in XX/XX/XXXX ). They offer everyone else 1 % terms. They change THEIR " terms '' anytime it benefits THEM, but won't budge to lower it to make this payment more affordable & reasonable. So, I also asked them ( as soon as I found this out ) to refund my {$360.00} transfer fee so I could use it to transfer the balance to a different card with a more reasonable minimum payment. They refused. I also asked if they would transfer to my CHASE SLATE card, which has 1 % min pmt, they also refused. They will not work with me at all. I am a responsible working person. I would like to preserve my good credit. I could easily transfer again to a different card, but I'd have to pay another lump sum of $ again.
Product: Credit reporting or other personal consumer reports

I notified Experian on XX/XX/XXXX there are errors on my credit report. the erroors have not been corrected. Based on 15 USC 1681 EB, the information on my credit report must be 100 % accurate ( see attachments ). My Experian report highest balance is {$4900.00}, XXXX is {$0.00}, XXXX {$4900.00}. Status updated on Experian is XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Date Opened for XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd CFPB Complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB Complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. [ ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ] Once again, I am requesting the removal of the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00}
Product: Mortgage

I am having problems with my escrow account. The county overcharged for property taxes at the beginning of the year and Roundpoint paid the overage. As soon as I found out about the error in XX/XX/XXXX, I got a refund from the county and sent it to the mortgage company, which they added to the escrow account. The amount was the difference from which they would normally pay for my yearly taxes. Roundpoint then increased my payment by approx {$700.00} beginning in XX/XX/XXXX. I filed all the supporting documents and received email confirmation from them on XX/XX/XXXX. I was informed that it would take 30 days to investigate and correct the error. I called on XX/XX/XXXX to find out what the resolution was, and I was told that it was not done and to call back on the XX/XX/XXXX. I called back on the XX/XX/XXXX and was told they were not done and I was to call back the following day. I have called 4 times since then receiving assurances that emails were sent to escalate the case and I was even told that on XX/XX/XXXX that I would be receiving a call back from the supervisor, that never happened. I am constantly told by customer service that there is not a supervisor to talk to and that I have to wait for them to contact me.
Product: Debt collection

This is a complaint against Toyota Financial Services. I am unsatisfied with their online payment system, email notifications, and phone calls after discovering one payment that did not process. I have a lease for a XXXX XXXX with a monthly payment of XXXX. In XXXX XXXX, I switched to reoccurring monthly payments in the online portal. In XXXX XXXX, that payment did not process, but I was not notified of a missing payment or past due amount with receiving emails that each monthly payment posted stating there was " nothing more to do. '' My monthly payments continued to process as usual except for a cent payment on XX/XX/XXXX. A few days later, I received an email that the payment did not process. I went into the online system to see I had a past due amount of XXXX from that payment and a missing XXXX payment. When I had enough money in my account on XX/XX/XXXX, I went online and selected the option to make a one-time payment, the amount being the specified " XXXX past due. '' I saw the transaction posted and then later that evening, received am email saying " Payment Posted Successfully! At this point, there is nothing more you need to do. A payment of XXXX for your XXXX ' XXXX was POSTED to your account on XX/XX/XXXX. '' On XX/XX/XXXX, I got a letter in the mail from Toyota Financial saying my past due amount was already in default and that I could cure the default if I paid the past due amount of XXXX XXXX  by XX/XX/XXXX ( not including my XXXX payment due XX/XX/XXXX ). 

I logged into Toyota concerned about my XX/XX/XXXX payment. Instead of something going wrong with auto pay, I wanted to set up my own earlier payment. After canceling the auto pay and setting up a manual payment for my monthly amount, I noticed that the option for " Pay Past Due '' now displayed XXXX. I felt relieved until I checked the Transactions history, only to see my payment of XXXX on XX/XX/XXXX FAILED. I checked my bank account and sure enough, the money was not withdrawn. But also on the second page of the transactions history, it does say a late fee of XXXX was paid along with XXXX, which equals the past due. It does not have how or what account that was paid from. Of course I NEVER received an email from XXXX alerting me to that XXXX amount that failed. 

I tried to call Toyota on XX/XX/XXXX at XXXX as there website says call response hours are XXXX to XXXX M-F, but I can only reach their automated system on two different phone numbers, stating they are only available until XXXX XXXX. 

I am trying to take responsibility and get my account straightened out with the amounts I owe, but Toyota 's online payment system and follow up emails are very misleading. I pay a lot of bills online and never expected I would have to login into an online account five days a week just to make sure nothing changed to just to make sure a payment actually processed. I will not be leasing another car with them ever again.
Product: Checking or savings account

On XXXX, I completed a XXXX transfer to a recipient named XXXX XXXX. However, Bank of America 's XXXX program changed my recipient to XXXX XXXX. When I received my email confirmation and saw that Bank of America changed my recipient to XXXX XXXX, I went back online to see what occurred. I tried to send another XXXX and noticed that Bank of America was changing my recipient each time. If I selected " XXXX XXXX '' XXXX would change my recipient to " XXXX XXXX ''. If I selected " XXXX XXXX '' XXXX would change my recipient to " XXXX XXXX ''. 

Just in case this was a temporary issue, I took a video of it. I called Bank of America and spent over an hour on the phone speaking to the non-fraud team and technical support team. I also went to my nearest branch. While at my nearest branch, the technical support staff wanted to mirror my online banking account so they can see what is occurring. 

I left the branch and drove back home. I logged on and when I tried to show the tech rep, the issue was no longer there. I explained to the tech rep that I have a video but the tech rep stated he is not able to receive emails from non Bank of America email accounts. 

I explained the following to the tech rep and both BOA employees from the non-fraud department : XXXX. I have a video of the issue and it is not my problem that BOA is not equipped to receive my digital evidence. They should be. 

XXXX. This is not a user error. This is a bank error. Bank of America 's online service sent my money to the wrong recipient. Bank of America needs to be accountable for this and issue me a credit to my checking account. 

XXXX. I was willing to complete a dispute resolution request. However, I should not be " hoping '' for resolution as this is a bank error.
Product: Credit card or prepaid card

I filed a dispute with XXXX and XXXX that the balance of {$850.00} for XXXX XXXX XXXX XXXX was open fraudulently and that i did not open the account. On XX/XX/2023, I received an email that my disputes were rejected. I need this stain off my credit report NOW please.