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

I purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2024. I traded in a vehicle and for the remainder of the purchase price of {$37000.00} I wanted to pay cash. I was told I qualified for a loan through Toyota Financial Services at 6.99 % interest and that it would be better if I financed the remainder vs. paying cash. I disagreed twice but went ahead and signed the loan agreement electronically on a keypad. When XXXX gave me a copy of the paper loan agreement 's I told the Finance Manager, XXXX, that I didn't agree with the {$1200.00} GAP coverage cost. He said I had to have it as I didn't own the vehicle outright. I disputed this twice. He said it was an add on cost per Toyota Finacial Services that would protect me if the car was totaled, etc. before I paid it off. 

I asked where my second key fob was. I was told it would be ordered and would take 7 days to receive. The sales representative XXXX told me he had two keys to give me when I agree to the purchase price, which was 100 % untrue. XXXX had two keys on his desk and said they " were mine. '' He lied.

Four days later I received a voicemail message from XXXX stating that Toyota Financial Services couldn't verify my identify and couldn't fund the loan and he needed me to bring him a copy of my social security card. I told him I would come to the dealership on Saturday, XX/XX/XXXX but reminded him I had leased a vehicle through the dealership about seven years prior and my identify was fine. He said I had fraudulent activity on my credit report or identify theft. I checked all three of my credit reports and no identify theft or fraudulent activity was on any of the reports. 

On Saturday, XX/XX/2024 I went to XXXX XXXX XXXX and showed XXXX my original social security card which he copied. I also gave him a check for {$37000.00} and told him I didn't need GAP insurance/coverage and wanted to pay for the car. 

I point blank asked him if GAP insurance or coverage was mandatory as I had done my research and he said no. 

He gave me a receipt for the check and also a due bill for the second key fob which is valued at {$790.00}. 

I found out on XX/XX/2024 that Toyota Financial Services had a lien on my XXXX XXXXXXXX even though I had paid for the vehicle and the check had been cashed and had cleared the bank on XX/XX/2024. 

I called the dealership. They said the lien would be cleared. Unfortunately I looked and when I leased a XXXX from this dealership prior, I was again charged GAP insurance which I paid over three years, even though I disputed the need for the insurance. Their sales, finance, and business practices are deceptive
Product: Prepaid card

I had a REDcard acct that I only used at XXXX time, and I do n't think I had used it since XXXX of XXXX. I purchased a birthday present for my grandson on XXXX XXXX, XXXX. I went to pay, the clerk asked me if I wanted to use my REDcard, she said i 'd get more of a discount on that purchase, so I said, " Okay. '' That was a mistake. I charged {$25.00} on XXXX/XXXX/XXXX, then shortly after that, my son-in-law had an on-the-job accident that was XXXX, and my XXXX year old grandson was sick for weeks XXXX. They are both mostly fine now. But during that time, I was rarely even getting the mail out of the mailbox, let alone opening it. I was a basket case, and almost never home. So finally, my life returns to some normalcy and on Friday, XXXX XXXX, I open this bill from REDcard stating I owe {$120.00}. I called Target Card Services to ask them to forgive one or two of the late fees, but they say the OCC prevents them from forgiving any of the late fees, plus, if I close it without paying all the late fees the late fees will continue to stack up, another {$35.00} each month, even though the account is closed. I talked to XXXX and told him i wanted to close the account. Then I went straight to the US post office and mailed them a check for {$25.00}, along with a letter detailing what had transpired, and reiterated that I had asked for the account to be closed on the phone with XXXX on XXXX/XXXX/XXXX. I felt like they were strong-arming me, as if i was involved in a case of extortion. I just could not believe they would not waive at least one of the late fees. I actually thought what they were telling me was illegal. So now I intend to find out if what they are doing is in fact legal.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for-profit online schools such as the one I attended, XXXX XXXX XXXX and XXXX XXXX  ( now known as XXXX XXXX XXXX XXXXXXXX XXXX ) . As a matter of fact, XXXX XXXX XXXX and XXXXXXXX XXXX  was investigated by the Department of Education. I had to consolidate my private loans which I had no idea that they were not a federal loan program. Because I was young, My dad had to co-sign and he is being drug into this and it's ruining his credit along with mine. Because of the numerous claims of fraud and misconduct perpetrated by these online for-profit schools, such as XXXX XXXX XXXX and XXXXXXXX XXXX , I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX and XXXXXXXX XXXX, and my Fed. loans of XXXX were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge/refund all these predatory private loans made to attend online for profit schools.
Product: Checking or savings account

First of all, none of the options you offered to choose from really fit my problem, so I selected a problem with deposits/transactions. The actual problem is my bank has not been paying the interest they are supposed to on either of my savings accounts. 

Both savings accounts say they pay .01 %. However, in the one account ( ending in XXXX ), on {$3100.00} it paid {$0.00} for interest, although .01 % on {$3100.00} should be {$0.00}. So they paid only a tenth of what they are supposed to. Each time interest was paid as far back as I can see, they paid only a tenth of what was supposed to be paid. Also, there are several months that were totally skipped and NO interest was paid at all. They paid interest in XXXX, XXXX, XXXX, XXXX, XXXX of 2024, but then nothing for XXXX, XXXX, XXXX, XXXX, XXXX. 

On the 2nd savings account ( ending in XXXX ), it also is supposed to pay .01 % interest. As if .01 % wasn't pathetic enough, they did the same thing on this account and only paid .001 % instead of .01 %. It also has months skipped. 

Finally, since I have to go to this extent in being petty about some pocket change, I may as well also mention that whenever the percentage results in an amount where the XXXX decimal digit being XXXX or more ( $ XXXX ), they simply drop the XXXX decimal and round it down instead of up. This may seem petty, but when US Bank brings in over {$40.00} XXXX a year, and they cheat their customers out of XXXX or XXXX cents on each account each month, it is worth their customers reporting it. 

I first tried to contact someone on the website. There is NO customer service number to be found anywhere. I tried the online " help '', which is of no help and just sends you in circles with stuff that has nothing to do with the issue at hand. Finally in order to try and reach a person, I had to call the " fraudulent transaction '' line and tell the person that I am actually calling about incorrectly computed interest on savings accounts. They transferred me to someone else, who picked up after about XXXX minutes of me waiting on hold. They listened to my problem, said they would have it looked into. Then asked if I had any more questions. I said " Yes, can you tell me if someone will call me about this after they've looked into it, or send me a letter or something? '' CLICK... I got hung up on. I was not about to call and wait another XXXX minutes to get hold of a human. And I am tired of going around circles with this bank, which is why I'm going this route now. 

I am hoping to have someone at the bank review ALL the interest payments made to my bank accounts as far back as possible, because obviously this has been happening for a while. It is not fair to their customers. We work hard for our money, then trust this bank with it. Then, while they are making tons of money off of us by collecting their own interest off of our money, they turn around and bite the hand that feeds. I'm tired of it.
Product: Checking or savings account

In XXXX Chime Bank closed my check account without notice, no reason given. Ive called repeatedly and they only state someone will get back to you in 48 hours. Chime does not respond back. Chime has illegally withheld funds for months committing banking fraud.
Product: Credit card

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the documents? Certain listed accounts are inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Informed the credit agencies that I did not sign a contract or open an account with these companies. I assured them that I have not benefited in any type of way from the accounts. I sent all three certified mail letters stating the XXXX, fraud, a police report stating such incident, and an affidavit reporting all this. When I originally reported these accounts as fraudulent the credit agencies said that had to file a police report before they would remove these accounts. So I followed their rules and did but was told they would only remove the information if the creditors decided to do so. I informed them that I am stuck in a never ending cycle because I am telling you this information is inaccurate but you will believe the creditor over the consumer. Transunion conversation of XX/XX/2022 is file number [ XXXX ] which should have been recorded. I was told it was nothing they could do unless the creditor decided to remove it. I feel like my rights are being violated under U.S.C. 15 1681 ( c ) XXXX and 1681 ( e ) and I am trying to resolve this manner in the policy they asked of me but still no resolution.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified accounts that are not mine and that I have no affiliation with whatsoever. This is not only unjust, but it is also extremely concerning. As per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to a correct and accurate credit report, and these discrepancies should not be adversely affecting my creditworthiness. I request a full and immediate investigation into this matter, with all inaccuracies corrected. If this issue is not addressed promptly and properly, I will have no choice but to pursue legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019, I became aware of a derogatory account listed on my credit report by Diversified Consultant for the balance of {$200.00}. A phone number was listed and I made contact with the company about the account. I informed them that I received no notice of this debt and the right to dispute it before it appeared on my credit report. The representative replied and stated they attempted to reach me on my cellphone and it was against their company policy to leave voicemails. With the amount of scam calls that I receive over the years, I typically don't answer numbers that I'm unfamiliar with unless I'm expecting a call. No formal notification through mail was ever sent out by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX for a payment arrangement d/t sickness. I did not want this to negatively impact my credit and they agreed with the payment arrangements. I have a printed copy of the arrangement they agreed to. I completed my payments and now am receiving an alert that they turned me in for being 30 days late which is a false statement. I continued to make my agreed payments. I disputed this with Experian and they contacted XXXX and said they confirmed it was correct. They didn't even ask for a copy of the payment arrangements or proof of my payments they took their word for it and now I can't file another dispute or upload the documents because it is closed.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the blocking and permanent deletion of fraudulent accounts from my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ) ( Section 605B of the Fair Credit Reporting Act ), I have the legal right to have fraudulent information removed from my credit file immediately. 

Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Fraudulent Amount : {$210.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$440.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$490.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX. 

Account Number : XXXX Fraudulent Amount : {$100.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX. 

Account Number : XXXX Fraudulent Amount : {$160.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Credit Inquiries to Be Removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Legal Basis for Request : According to 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ) : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of a request from the consumer to block such information. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name as appears on my Birth Certificate and Iowa XXXX XXXX is different from the name on Equifax, XXXX and XXXX credit reports. My name is incorrect on Equifax, XXXX and XXXX. These names are all variations of my given name, but not my given name. I do not go by any variation of my name these names which I did not provide, and the information attached to these variations are not my information. I have attempted to address these inaccuracies and incorrect information, however Equifax, XXXX and XXXX refuse to update their files with my correct information. I have not been able to prove my correct identity to these XXXX XXXX, Equifax had a incorrect birth year XXXX and no birth date, i spoke to a rep and asked how are you able to verify information with an incomplete XXXX  profile full of inaccurate and inconsistencies? I mailed a letter to Equifax and they received the letter on XX/XX/XXXX and Equifax has not updated my XXXX  to reflect my correct information. XXXX has different variations of the name but not my name. there are addresses, phone numbers, and employers i do not recognize. XXXX is still to this date locking me out and making it basically impossible to get a response from them. XXXX has variations of the names, employers i never was employed by and addresses i have never lived at. also there are multiple inconsistencies with the XXXX file and according to law, I want the XXXX account deleted and XXXX am a government XXXX, being harmed by the malisious practices of these consumer credit reporting agencies, they are harming me financially, Personally and businesswise. I have provided all requested information in the past and still not able to verify the incorrect information pertaining to what is supposed to be a file reflecting my person, which it doesn't. The bureaus maintain their information files are correct and need to update my file to reflect my XXXX profile as it is, not as whoever provided this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX {$75.00} XXXX XXXX - {$140.00} XXXX XXXXXXXX - {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX2022 TransUnion XXXX XXXX XXXX/XXXX/2022 TransUnion XXXX XXXX XXXX/XXXX/2022 TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

COLLECTIONS / CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT
THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION.

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL . THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2:THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS
I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL c
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian + XXXX XXXX XXXX XXXX XXXX, On a recent review of my credit reports I discovered your company pulled my credit on Experian without my written authorization on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact Experian immediately and have them remove the 4 unauthorized hard credit inquiries. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect these unauthorized credit inquiries to be removed from Experian immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Attached to this complaint are : - Copy of drivers license - Copy of social security card - Copy of address - Copy of complaint - Snapshot of the 4 unauthorized inquiries on Experian
Product: Credit reporting or other personal consumer reports

I just checked again my Experian credit report and I can still see account reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below