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

I was a co-signer on a loan with my daughter. Southeast Toyota Finance was the creditor. My daughter totaled the car XX/XX/2018. I made the XXXX payment and the insurance made their payment in XXXX. There was a small balance due in XXXX. I thought the payment was taken care of after I received the original letter. I did not receive any other notification stating it was not paid. The day after the loan was written off, I received a voicemail on my work phone number stating the person was with Southeast Toyota Finance and I needed to call them back. I returned the call the following morning and was told that the auto loan was written off. I paid the balance immediately over the phone. In XXXX, I decided to refinance our house and during the credit pull, I noticed the write off and called Southeast Toyota Finance. I was trying to get the credit removed, as I made the payment as soon as I was told the payment was due and I was not contacted before the write off happened. I was told by the supervisor that there were several attempts, but she sated they just leave the phone number and can't leave a name or who they were with. This is where I have a major issue. First, with fraud happening daily over the phone, they should have to leave their company name, phone number, and who the message is for. Second, why were they able to leave my name, their company name, and their phone number after my account was charged off? If company policy was to not leave any information except the phone number, then it wouldn't have been paid off bc I wouldn't have known to call them in XXXX. When I called in, I thought it was fraud. She was asking me to verify things and I was worried about verifying anything bc I thought the loan was fully paid off. This policy should have to be updated, as it is an unfair practice. I understood they weren't going to help me with the charge off, it didn't matter how unfair their practice was, so I asked them to correct it as it wasn't showing anything but the write off. The new supervisor, XXXX, I was working with submitted the request to update the information. They misreported the information, showing late pays from XXXX on, which was also not accurate. I paid the XXXX payment and then they received the insurance check in XXXX. I called in and asked XXXX about it and she stated that it would hurt me more to have the corrected information because XXXX is before XXXX. Since I work in finance, I knew this was a blatant lie and they just didn't want to deal with fixing it. I told her that wasn't accurate and I wanted it corrected properly. My credit is now showing 2 charge offs, I'm not sure how that is even possible. I tried submitting the correction through XXXX   and Southeast Toyota replied to them they reported properly. So, I sent in the page to XXXX showing the 2 charge offs requesting again they submit the correct information. I gave a month to correct the issue and  they did not correct it. At this point, my credit is affected and it is what it is. I would like their policies updated so this doesn't happen to anyone else who uses their financing.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, THESE ARE HARD INQUIRIES DAY Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX SER XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX SER XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, My name is XXXX XXXX XXXX and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX OPENED ON XXXX XXXX XXXX XXXX OPENED ON XXXX
Product: Debt collection

I spoke to a lady at CBHV ( collection bureau of the hudson valley inc. ) named XXXX XXXX and she was extremely rude, uncooperative, and would not give me the required contact information i requested. I asked repeatedly for her to calm down and she just kept yelling, interrupting me, and would not let the conversation continue.
Product: Mortgage

A notice was taped on my door stating my 2nd mortgage was foreclosing on XX/XX/XXXX! I thought there was a moratorium on foreclosures? Plus it's my 2nd mortgage and is @ {$18000.00}! I still have a first mortgage and owe @ {$120000.00} on it! So how can the foreclose on me? I called and when asked about the moratorium, they stated the have the right too coldly. Offered to send papers to see if can work out plan which would take more than 30 days to decide and they would NOT stop the foreclosure procedure! I'm currently working on a forbearance with my first mortgage company. I'm XXXX, XXXX, n this house is where I have lived since I was XXXX years old. I have no where else to go and I'm baffled how it's legal for them to file during a pandemic! I NEED HELP IMMEDIATELY PLEASE AND THANKS.
Product: Payday loan, title loan, or personal loan

Centric Asset Management Inc has continued to contact me at my place of employment as well as my cell and my wife cell. We have writte letters requesting they stop as well as asking for debt validation letters. They have refused to stop calling and told my wife today they 'd just show up at my place of employment. XXXX XXXX is who called both myself and my wife today, my wife requested they send us a debt validation letter via USPS, XXXX XXXX stated that she 'd just show up at my place of employment to serve me with court docs. I do not believe this a valid debt and if it is it was not taken out by myself nor my wife.
Product: Money transfer, virtual currency, or money service

I requested funds with Zelle Services ... the transfer appeared to be laced with fraud. Tried to contact Zelle ... NO EMAIL LISTED< NO PHONE CONTACT GOOD, NO REPONSE regarding fraud activity. 

If Zelle is a financial entity tied to the banking institutions this is a violation of the FTC and US Monetary guidelines. 

I hgave emails from Zelle - Fraud emails that I can forward at anyy time
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1600.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

I am writing to address an inaccuracy in my consumer report regarding Account Name : XXXX. Specifically, my report incorrectly indicates that I missed a payment on this account. I wish to emphasize that all payments associated with this account have been made on time, and I have evidence to support this asertion.

Under the Fair Credit Reporting Act, particularly 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of individuals ' information. Therefore, it is imperative that this discrepancy is rectified promptly to uphold the integrity of my credit report. 

I kindly request that the erroneous infomation regarding the missed payment on Account Name : XXXX be corrected without delay, and that my credit report accurately reflects my payment history. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX XXXX  Account Number : XXXX Please verify this information and remove it from my report if inaccurate.
Product: Credit reporting

Bank of America has illegally placed an inquiry on my credit report on XX/XX/2016. When I called they can not locate my information on why this inquiry was placed. The inquiry still has not been removed. Please remove from my XXXX credit report. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX OF XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX reported inquiry which I did not authorize. 

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX reported inquiry which I did not authorize. 

XX/XX/year> WELLS FARGO AUTO WELLS FARGO AUTO, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX IA XXXX reported inquiry which I did not authorize. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX reported inquiry which I did not authorize. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX reported inquiry which I did not authorize.
Product: Payday loan, title loan, or personal loan

A loan with Avant Credit was sold to XXXX XXXX according to a recent credit report, XXXX XXXX is owned by XXXX XXXX XXXX, separate complaint was submitted against this company as well via CFPB portal. As stated in prior complaints, the terms such as rate were not disclosed at time of loan approval. Avant claims I chose the loan amount and terms were disclosed which they were not and the amount, {$6800.00}, was the only amount offered to me at the time and needless to say, I did not choose it as there was no other option available. I later learned of the terms such as high interest rate when a contract was emailed to me after approval and payments were made which have since ceased. Avant claims to have proof of disclosure such as screen shots, none of which they have shown and I believe to be entirely bogus. Numerous negative reviews on XXXX and other consumer rating sites reveal the same high interest rate is charged to everyone whom is approved, regardless of credit score. It appears Avant is still reporting the account as 180 days late despite it sold to XXXX XXXX and last payment made in XXXX, which is well past 180 days and is an attempt to get me to pay which will not happen. Their last reply to prior CFPB complaint requested me to call customer service for payment options which will not happen as again, it was sold off and I did not agree to terms of loan, there are no documents with my signature agreeing to anything. This account is scheduled to remain on file until XXXX, please advise Avant they need to agree to lower interest rate and remove interest charged since last payment made if they wish to see any payments. If not, the account will eventually fall off credit file and Avant will see no payment ( s ).
Product: Checking or savings account

On XX/XX/XXXX I contacted US Bank Reliacard to file a fraud complaint concerning a large amount of money that was missing from my account, {$5600.00} to be exact. On that day I had the opportunity to reconcile the entire account with a reliacard fraud liason by the name of " XXXX ''. We reviewed the account together since its inception date of XX/XX/XXXXXXXX  up until XX/XX/XXXX. Her determination during our conversation was that my suspicions were valid and that the claim was legitimate. She then told me she was sending me account affidavits that I would need to sign in front of a notary and return to her within 10 business days of receiving them, which I did. I received a denial of claim letter in the mail on XX/XX/XXXX and called reliacard to express my disappointment and let them know that I would still be pursuing a refund of my money regardless of what the determined since I was telling the truth. 

During our conversation on XX/XX/XXXX XXXX had told me that she had to cancel my card ending in XXXX so no further fraudulent transactions could be made, I agreed. At that point I had no access to my account since there is no physical bank you can go to, only use the debit card to access your funds. 

I tried for 2.5 months to be issued a new card and reliacard would not send one to me until I satisfied the ID verification process to their satisfaction. I was not able to accomplish that until XX/XX/XXXX when a new card was finally sent to me, a card ending in XXXX. My prior card number was ending in XXXX. 

As money continued to diappear from my account I contacted them several times finally requesting a full account of my debits, purchases, any and all account activity since XX/XX/XXXX to be mailed to me. At first she sent just the month of XXXX so I had to reach out again and request the full account history which I just received on XX/XX/XXXX. In looking at the statement there are {$11000.00} in debits from my account in XXXX, {$2100.00} in XXXX and {$1000.00} in XXXX none of which were made by me since I had no access to my account whatsoever until XX/XX/XXXX when they finally sent me a new card. So I am filing a claim for {$20000.00} to be returned to me with interest of 3.0 % compounded daily. 

In speaking with reliacard today she let me know she found two other cards that I had never seen, one ending in XXXX and the other in XXXX. The XXXX one was opened on XXXX and closed XX/XX/XXXX and had over 500 transactions on it. She would not tell me what address they had sent them to. I tried to get her to file a fraud complaint and she refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation.

In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ) you are in violation of 15 U.S.C. 1692g ( b ). Per the collection agencies response, that stated that they served me is false. I was never served. My request to them is to show proof of who they in fact served. I didn't receive notice of this said judgment until my employer notified of me of garnishments that was already in motion.
Product: Checking or savings account

I am complaining about the Bank of America on XXXX XXXX in XXXX, ct XXXX This bank removed their drive through window service many months ago while NOT providing any handy cap access. I complained about it three times they did not care. 

Now In the midst of this pandemic they still have no drive through service available and I had no choice but to enter the building with people not respecting the 6 foot rule and a snotty lady manager who made a statement that by the time they opened the drive up window this virus would be over with. No tellers were wearing any protective masks and people were lining up in this banks branch. 

They think this is a joke?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXXE XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX SERVICES # XXXX XXXX XXXX # XXXX 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: Credit reporting or other personal consumer reports

For the record... 
I Am XXXX XXXX : XXXX XXXX agent on behalf of the estate that this debt is being reported to I XXXX shall not be with LEGAL NAME I have appointed the IRS as trustee and fiduciary of the Estate/Account/Principal XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and instructed that this debt be discharge XXXX XXXX XXXXXXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Yesterday I received a credit alert that a debt collector has reported to credit agencies a collection for {$250.00} from XXXX XXXX. I don't have any business with this collection company and I don't who they are.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple dispute letters and also online disputes demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts. They failed to positively verify these accounts. These accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

XXXX/XXXX XXXX  XXXX XXXX**** Unverified Account XXXX XXXX   XXXX**** Unverified Account XXXX XXXX XXXX XXXX**** Unverified Account XXXX XXXX XXXX**** Unverified Account XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX**** Unverified Account XXXX   XXXX XXXX/XXXX XXXX**** Unverified Account