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

I am writing to file a formal complaint regarding violations of the Truth in Lending Act ( TILA ) by South East Toyota and XXXX XXXX XXXX. I believe that both companies have engaged in unfair and deceptive practices related to the financing and sale of a vehicle, which has resulted in significant harm to me as a consumer.

Details of the Complaint : Description of the Issue : In XXXX, I acquired an automobile from XXXX XXXX XXXX, with financing facilitated by South East Toyota. During the financing procedures and subsequent ownership tenure of the vehicle, a series of discrepancies emerged, suggesting violations of the Truth in Lending Act. Subsequent to the Consumer Financial Protection Bureau initiating legal proceedings against XXXX XXXX XXXX, I commenced an independent investigation, uncovering various infringements of my rights under the Truth in Lending Act by Toyota. Upon discovering these violations, I promptly notified Toyota of the matter and formally requested the expedited retrieval of the vehicle. Regrettably, to date, Toyota has not taken action to retrieve the vehicle as requested.

Refusal to Cooperate : Despite numerous attempts to address the concerns with South East Toyota, including formally requesting the retrieval of the vehicle from my property due to violations of the Truth in Lending Act ( TILA ), the company has demonstrated a lack of cooperation and has failed to take necessary actions. My initial communication with South East Toyota occurred on XX/XX/XXXX, during which a representative acknowledged the request for vehicle retrieval within XXXX week. Subsequent attempts to engage with South East Toyota, particularly on XX/XX/XXXX, were met with refusal and abrupt disconnection when providing my social security number for verification. Despite repeated attempts totaling ( XXXX ) phone calls, South East Toyota persists in refusing to retrieve the vehicle or engage in constructive dialogue after verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX  XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$580.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax responded to a letter I sent them with a letter conformation # XXXX, the letter states that XXXX XXXX XXXX is not reporting. But the website and customer service is stating that XXXX XXXX XXXX is still on my report. They stated on the phone that somethings wrong left me on hold for 30 mins and hung up.
Product: Credit reporting or other personal consumer reports

I've been receiving numerous of letters over 30 exactly, stating they can't locate a credit profile for me which is INCORRECT. This happens every time I send a dispute with both identifying documents. This is very insane and needs to be fix immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report constantly consist of errors from dispute comments being on accounts that AREN'T being disputed to Equifax readding items previously removed but not providing notice to me the consumer that items are in fact reapplied to my credit file. please see accounts and problems noted below 1 ) XXXX XXXX XXXX XXXX/XXXX account # XXXX Equifax needs to remove dispute comments account is not in dispute 2 ) XXXX XXXX XXXX XXXX/ XXXX account XXXX XXXX Equifax needs to remove dispute comments account was resolved months ago 3 ) XXXX XXXX XXXX XXXX account XXXX XXXX Equifax needs to remove dispute comments resolved months ago 4 ) XXXX XXXX XXXX XXXX account XXXX XXXX account was removed from credit file in XX/XX/XXXX, today it reappeared with no payment history, no account term or details no date of last activity and a delinquent note of XX/XX/XXXX why is this reapplied 2 years later with no notice to me the consumer or account details There has been no communication to me from the creditor in over 3 years 5 ) XXXX/XXXX XXXX account # XXXX balance on the account states {$110.00} I have disputed this account several times even provided account statement showing account has a XXXX balance Equifax needs to update the account balance to reflect XXXX balance Equifax stated they previous investigated the account but report shows no payment history since XXXX and date of last activity as XX/XX/XXXX
Product: Debt collection

USAA terminated my account for filing a complaint for turning me into debt collection and terminating my account without cause. My father fought in the Korean Wat which is why I had an account with USAA to begin with. However, much like the VA USAA has decided under its new CEO to treat members of veterans like trash. I have attempted to login to pay towards my credit card and now I cant even login and I get letters from USAA that prides themselves falsely so that the take care of veterans and their families that I better pay or else. This conduct is outrageous and constitute harassment. Do something about it or I will turn it into the Attorney General.
Product: Credit reporting or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Collection : XXXX XXXX XXXXXXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : 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 furnished a account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$410.00} AFFIRM XXXX XXXX XXXX : {$450.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Bank account or service

I recently signed up for a bank account with Citibank due to a promotion they were offering of XXXX XXXX XXXX miles upon successful completion of certain requirements. The promotion was confirmed to be attached to my account with an online chat representative and I completed the requirements. However, Citibank is now stating I am ineligible for the promotion and will not credit me the miles. Since there is not even a Citibank branch near my house or work, the bonus was a strong factor in applying for the account and outweighed the lack of convenience and got me to deposit my funds with their bank. I believe it would be deceptive and bad practice to not honor this promotion since it was a strong factor in even choosing their bank.
Product: Vehicle loan or lease

I pulled a copy of my credit report from all three credit reporting agencies and was scrubbing for inaccuracies when I notice that the balance Bridgecrest have been reporting was not correct. I called the company to inquire about my account balance and the method which they used to distribute the principal and interest and was told that everything looks good on their end and that my loan is a simple interest loan which incurs daily interest. I asked if they have hidden fees and was told No they do not. Dissatisfied with the answers I got, I asked for an updated statement of my account activities which Bridgecrest sent me two days later. I carefully went over the document and noticed a trend in the distribution of principal and interest. Instead of gradually declining ( Interest Payment ) and increasing ( Principal Payment ) the numbers keep jumping back and forth, which is highly unlike the result of simple interest equation. I got with my financial adviser to look over the statement, Contract and my account and upon revision came to the same conclusion that the numbers are not adding up. I called Bridgecrest after my talk with him and got connected to the Military department where I spoke with a lady who gave me the same spill about my interest is calculated on a daily basic and nothing is out of the ordinary. I then realize that I would not resolve this without a third party. Also, I noticed that my first Bi-weekly payment all went to interest.

In addition, I also compared the balances from statement with all three of credit report and notice that they did not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked TransUnion to correct my name several times as I am not known by the last name of XXXX. I was married on XX/XX/XXXX and my last name is XXXX. I have also asked Trans Union to provide me with proof I authorized the inquiries on my account. Most recently, they responded with a letter sent to XXXX XXXX on XX/XX/XXXX. My credit report shows my name as aka XXXX XXXX XXXX! This makes it difficult to receive mail because XXXX XXXX is no longer my legal name. I have forwarded my marriage license and updated drivers license but they still refuse to update my file.
Product: Credit card

The account was in my name, but my husband managed it during our marriage. Once the divorce dust settled, I had control of the card, with a XXXX balance and a $ XXXX limit. However, I did *not* have access to the online account. I could n't pass the security questions, since I did n't know if " father 's middle name '' meant *my* father or my ex-husband 's father. And since the account had been active for at least XXXX years, I did n't know which phone number, address, or even state they were asking for. I called the Bank several times to tell them that I did n't have access, especially since they sent all communication and statements to the online account. All anyone would say was that they did n't have access to my account and could n't help me. Throughout XXXX years of unemployment, I tried to find work, but could n't. I ended up borrowing about $ XXXX against the card. I managed to continue payments, even as I was losing my house. I discovered that my online statement was n't what I thought it should be, but I could n't get into the online account to find out what was going on. Again, I contacted the bank, but found no help there. I finally found work in XXXX. Before leaving, I went to the bank in person, although I had never banked with them face to face. The banker took over an hour calling various people, but was finally able to figure out what had happened. At some point, they had raised my interest rate -- informing me via the online account. My regular monthly payment was then less than the amount due, and so incurred penalties and interest. That then raised the payment due, which had a snowball effect. I was then nearly $ XXXX in debt to them, almost as much as the total I had borrowed years prior. The bank and I reached an agreement in which the card was canceled and I would make payments of about $ XXXX for XXXX years. Realize, as I pointed out to them, that since I was moving to XXXX, I could easily have skipped out on the debt. However, I wanted to do what was right. After XXXX years of payments, I received a statement via email with the total in the body of the email, not in the online account. I was shocked to discover that the total owed had not changed. That told me the bank had continued assessing penalties and interest. I stopped paying. Now they are trying to serve me with a summons for a lawsuit, again for just under $ XXXX. Granted, they wo n't have much luck with that with my living in XXXX, but I still hate that I owe these vultures anything. I ca n't prove anything, since any paperwork we signed will be in a file somewhere in a storage unit in Maryland. I 'm going to have to scrounge to even find the account number! I would have no problem declaring bankruptcy, but now that my mortgage has been foreclosed on, I do n't have any other debts. I also do n't own anything ( house, car, property, etc. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't had a recent credit score through XXXX and experian in three months. Since XX/XX/XXXX of this year no new information or changes have been made. I tried to contact their company, and never got a response back
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I received a notification from my XXXX account, notifying me of a new hard inquiry on my credit report. I have not applied to anything new recently, and I have no idea what caused this. I believe it said the hard inquiry was made by capital one, which is especially confusing, because I already have accounts with them, and would not need to open any more. Please help me find out what this hard inquiry was caused from and if I can get it removed ASAP, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022
Product: Credit card or prepaid card

My Venmo account was frozen, not useable for credit or debit transactions, in XX/XX/2021. Initially Venmo could not provide a reason for the freeze but after about 4-weeks identified the problem transaction, which ended up being unauthorized and was refunded back to the originating institution, yet for some inexplicable reason my account remains frozen despite my repeated requests for Venmo to thaw my account, which is now partially frozen but in a discriminatory manner, accepting a credit transaction for {$100.00} on XX/XX/2021 no problem, but still un-useable for debit transactions as of today, XX/XX/2021.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX expirian reported that XXXX payment to XXXX  XXXX was late. On XX/XX/year> they reported that utilization om capital ome was at 98 %. I called XXXX  XXXX and they stated that they had reported to expirian on XX/XX/XXXX and that i was not and infact XXXX payment has already been made. I made a payment to XXXX  XXXX on XX/XX/XXXX for the amount of XXXX and as of the XX/XX/XXXX my account is at XXXX out of XXXX making utilization 85 %. They droped my credit by XXXX points because of this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 USC 1681 ( b ) permissible purpose of consumer reports 15 USC 1681 ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 disclosure of personal information to a third party without authorization is considered " identity theft '' In reference to late payments reported by : XXXX XXXX Bank In reference to credit usage : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NAR INC, has been informed there is a pending police investigation for my second police report filed with XXXX  here in XXXX XXXX XXXX Utah. However, knowing this knowledge they have received an affidavit with this information including a police report detailing my house had been broken into which my personal information and cards were compromised, I informed NAR, INC. again several times over the phone the XXXX police detective told me to file the police report after all credit cards and bank accounts involved had finished their fraud investigation to file one full police report and then submit it to the XXXX police department. NAR, INC regardless of knowing this information are now attempting to serve papers anyways for litigation for a debt that was a result of identity theft and fraud. These legal action are prohibited under the FCRA and FDCPA considering the account they are seeking attempt to collect on was involved in identity theft, scam, and fraud. The bank which they claim the debt from XXXX failed to do a proper legal Fraud investigation, they assumed I gave out my information and took no step to do a fraud investigation. I informed the police department that the bank XXXX didn't do a fraud investigation and they informed me to continue the procedures of waiting out for all credit cards and bank accounts to complete their fraud investigation still. NAR, INC is willingly in violation of my FRAUD VICTIM Bill of RIGHTS and pursing the debt anyways. I am seeking the CFPB to get involved in this matter again. I am currently waiting on the completion of three fraud from XXXX, XXXX, and XXXX investigation to be completed to file the full police report for the XXXX police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone took a loan out in my name then the company that the loan was with hacked into my checking account and tried to take money out of my bank account This was all without my permission I did not apply for the loan did not give anyone permission to get into my checking account and take money out
Product: Credit reporting, credit repair services, or other personal consumer reports

The address are wrong, the information is incorrect, and the amounts
Product: Credit reporting or other personal consumer reports

Trans Union failed to honor my request to block information resulting from identity theft. I filed a Federal Trade Commission report where I swore under penalty of perjury that the accounts are indeed the result of identity theft. I feel that I am being treated unfairly. Under FCRA Section 1681e ( b ), Trans Union is supposed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Trans Union also converted my request to block into a 30 day dispute without explanation. I am seeking redress for the accounts to be permanently deleted from the credit report. Please see the attached notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in the year XXXX, I applied for a US federal student grant to attend XXXX XXXXXXXX College. I did receive the financial aid funds! 9 years later in XXXX I receive a letter stating that I owe XXXX XXXX XXXX XXXX {$1100.00}. I was confused and started to analyze the reason behind it. In the mean time XXXX XXXX XXXX   unfairly reported to credit bureaus as if I am not paying back my student loan. Eventually I have sorted out the problem with the XXXX XXXX XXXX XXXX and contacted to 3 credit bureaus to delete the negative report from my credit file. XXXX and XXXX cleared the negative report instantly except this company called Equifax. It has been a year that I am dealing with this matter with this company. I have filled a dispute online, spoke with them over the phone and nothing seems to work. I keep getting customer service people from overseas and they do not understand the difference from a student loan or a grant! I am fed up and looking for an alternate solution THANKING YOU IN ADVANCE XXXX XXXX
Product: Checking or savings account

I have been having a lot of problems with my account with wells frago. Its been money taken and transferred out of my account without my authorization and things charged on my account, Im not sure what is going on but I have been locking my account and its still happening. I have literally ordered at least 4-5 cards in the past 6 months, so this has to be a inside job from the bank its self and this is why I had to switch all direct deposits to another account and not been loading any money to my wells frago account until I get to the bottom of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a personal statement on my experion account that appeared today and its using my old phone number.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for failing to properly investigate and resolve my disputes regarding the following inaccurate charge-off accounts on my credit report : On XX/XX/year>, I disputed the following charge-off account on my credit report due to errors and lack of accurate reporting with Experian : XXXX XXXX  in the amount of {$370.00}. They have failed to provide adequate documentation to verify the validity of this account upon my request and errors on my credit report from Experian, show the date of first delinquency is inaccurately reported, making the debt appear newer than it is. This is illegal. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), Experian is required to ensure accurate reporting and conduct reasonable investigations. To date, no valid documentation has been provided to verify this account. Additionally, the recent CFPB lawsuit against Experian underscores concerns about inadequate dispute investigations, which I have experienced firsthand. 

I am requesting the CFPBs intervention to demand the removal of this account if Experian can not provide sufficient evidence.