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

I am writing to express my profound dissatisfaction and frustration with the utterly unacceptable handling of my car title transfer process by Toyota Financial Services ( TFS ). As a current loan customer of TFS, I expected a level of professionalism and competence that has regrettably been sorely lacking in my recent interactions with your company. 

On XX/XX/2024, I initiated the process of transferring my car registration from California to Oregon. Since then, I have engaged in numerous digital and audio conversations with various TFS representatives, only to encounter a baffling array of contradictory instructions and misinformation at every turn. 

Initially, I was instructed to fax all necessary applications to Title Services, only to be later informed that I must send original documents via mail to an entirely different address. This discrepancy alone has resulted in unnecessary delays and undue inconvenience on my part. Moreover, the address provided to me by a TFS customer service representativeXXXX XXXX XXXX XXXX XXXX, XXXX now been deemed incorrect, after I had already overnighted the documents and a check to that address, incurring a non-trivial expense of {$35.00}. 

Compounding these errors is the fact that I am now driving with expired registration, directly attributable to the incompetence and negligence of TFS in handling this matter. This situation is utterly unacceptable and reflects poorly on the professionalism and reliability of Toyota Financial Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several accounts on my credit report that does not belong to. 

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

I have good credit and I have low debt I have tried working with companies to get a loan so that I can start my life over after getting XXXX it so bad I became XXXX Carlless and jobless nobody will give me a personal loan or a credit card and I dont understand why please help thank you God bless
Product: Checking or savings account

My wallet was stolen and someone used my debit card to pay a home loan for a amount of {$1600.00} the merchant name was XXXX* XXXX pa I called the home loan customer service reps and asked if I could get a stop payment since the payment was still pending and they said it was nothing that they could do. Then I called Chime and they told me that I had to wait until the payment posted in order to dispute charges. I waited until the payment was posted called chime and disputed charged on XX/XX/2022 @ XXXX XXXX  and got denied around XXXX XXXX  on the same day. I called back and asked why I was denied because all the investigators had to do was call the merchant in order to confirm I never had an account with this merchant. Investigation was improper.
Product: Credit card or prepaid card

I inadvertently paid {$3000.00} to Chase rather than XXXX on or about XX/XX/XXXX. I realized the mistake on XX/XX/XXXX and closed Chase customer service and was assured the payment would be reversed and it would take 2 days. It didnt happen. I called again on XXXX and was transferred to the payments dept and told it takes 10 days and due to the holiday, my money would be back in my account on XXXX. It didnt happen. I called again on XXXX and a payment supervisor named XXXX was beyond rude and told me it would XX/XX/XXXX as they hadnt received the payment until XX/XX/XXXX. She then hung up on me. This is contrary to what every other person told us. I immediately called back and spoke to supervisor XXXX who said that no refund had been initiated and it will now be XXXX business days. 
We were in vacation during this ordeal. Upon our return, there was a letter in our box dated XX/XX/XXXX indicating that the payment has been adjusted. 
I need my money asap as they have had it for nearly 3 weeks and no one seems to know or care how to correctly proceed. 
Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number XXXX XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$500.00} XXXX XXXX Balance {$590.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXX Balance {$55.00} XXXX XXXX Balance {$620.00} XXXX XXXXXXXX Balance {$740.00} XXXX XXXX XXXX  XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance {$390.00} XXXX XXXX CO XXXX XXXX XXXX XXXX  XXXX XXXX {$89.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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 U.S.C. 1681. XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX HAS VIOLATED MY RIGHTS!!! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15. U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX Ive sent disputes for those inaccurate and unknown accounts but I haven't received any response yet it almost 60 days. I demand to delete those accounts asap or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX  Date of inquiry XX/XX/2022
Product: Credit reporting or other personal consumer reports

re : bankruptcy file number XXXX After checking my report I saw there's a bankruptcy listed on my report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the info with the ORIGINAL CREDITOR, they must remove the information from the credit file. 

I have received documentation from the bankruptcy court ( the ORIGINAL CREDITOR ) in the mail stating that they DON'T and DIDN'T provide any information to the CRA 's, nor do they ever validate or confirm public records. 

XXXX XXXX has given you documents or information they themselves can't validate or verify, which is this public record. Third party providers or CRA 's collect information regarding public cases or public records, it is NEVER validated by the Recorder of Deeds nor the US Court System due to the FCRA Privacy Law. 

At this moment, you are breaking the law and committing fraud because this info has never been validated or verified and its a violation of 15 USC 1681a ( e ) An investigative credit report is when any portion if information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also, I'm also being violated pursuant to 15 USC 1681b ( a ) ( 2 ) considering you do not have my consent to furnish my information as well as 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. 

Your fraudulent activity and continuous violations are causing me injury because it preventing me from obtaining credit to support and sustain my family. I need to bankruptcy information to be permanently deleted and removed from my report immediately and if this unauthorized public record information is not deleted from my report in the next 30 days, I will be filing a complaint to the FTC. 

Failure to respond in a satisfactory manner within 30 days of receipt of this complaint will result in a small claims action against your company and I will be seeking no less than {$5000.00} in damages for but not limited to : Defamation, Negligent Enhancement of Identity Fraud, Violaton of the FCRA and Consumer Financial Protection Bureau.
Product: Payday loan, title loan, or personal loan

I entered on XXXX XXXX in the military on XXXX XXXX, 2019, and will be continuing on XXXX XXXX for at least XXXX years once I finish my initial entry training, per my Service Agreement. 
Prior to entering XXXX XXXX, I took out XXXX personal loans with Upstart. Soon after entering XXXX XXXX I sent Upstart a copy of my orders to XXXX XXXX candidate school. They initiated the XXXX interest rate cap of 6 % on my account. However, as soon as the end date of XXXX Candidate School, which was XX/XX/2019, arrived, Upstart removed XXXX XXXX and said that I needed to send additional orders to continue XXXX benefits. I sent the orders for the follow-on school, however because the orders do not have an end date due to the nature of the school 's length, Upstart refused to reinstate XXXX benefits. I have sent them a copy of my Service Agreement stating how long my XXXX XXXX obligation is, a copy of my Leave and Earning Statement, which states when my projected 'End of Current Contract ' ( ECC ) and 'End of Active Service ' ( EAS ) are ( which are the dates Upstart was requesting ). I was also able to locate a status report for myself from the Department XXXX XXXX XXXX XXXX XXXX, which states that I am still on XXXX XXXX. None of the other companies that I have credit cards, loans, or leases with have given me any issue after receiving my initial orders.
Product: Credit reporting or other personal consumer reports

I have address on my Credit report that needs to be removed
Product: Vehicle loan or lease

The dealership breached the " dealer agreement contract '' and XXXX is refusing to follow through with demanding a repurchase of the vehicle, as stated in the contract, from the dealership. 

The dealership that I purchased my vehicle from provided XXXX with false information in order to obtain funding for my vehicle. " Ineligible vehicle 's for funding '', according to dealer agreement, include " vehicles previously used for commercial use '' and " gray market vehicles ''. The dealership lied on the application about the condition of the vehicle as well since it was a " new '' vehicle not " used ''. 


My vehicle is both. My vehicle is apart of the XXXX XXXX engine fire recall campaign. I had 3 years of XXXX percent payment history until I had catastrophic engine failure at XXXX. Between XXXX - XXXX miles, I have had XXXX engine replacements in 400 days and my vehicle was out of service 350 days. 

The dealer agreement also states that if " any false information is uses to obtain funding, the contract is breached and XXXX will demand a repurchase of the vehicle from the dealership ". 

The dealership added an additional {$600.00} in illegal " documentary service fees '' to the total amount financed on my sales contract. I have reached out to several different people in upper management, including their compliance manager, who did look into the additional fees and I was credited back {$600.00} to my balance. So they have acknowledged that false information was applied to my sales contract but will not look any further into following through with the dealer agreement.
Product: Consumer Loan

I had applied, and received a loan for a used vehicle from Navy Federal Credit Union. My wife had set up automatic deposit thru work payroll. Our first payment was split between XXXX different pay periods from my wife 's employer. The first half was received before the first initial payment was due. I, unfortunately, did n't realize that the second half, of the first payment, was going to be XXXX day late. 

I then received a notice in the mail about potential late fees and possible implications to my shares in our account. The payment had already been completed. There was n't even a XXXX day time period, before the notice was mailed out. Our credit worthiness is outstanding, and I ca n't believe that this was mailed out so soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting 2 years ago I started seeing a XXXX XXXX address on my list of addresses. I knew this was incorrect and tried to dispute it to no avail. I left it alone until I went to XXXX XXXX and looked up XXXX XXXX XXXX. Well lo and behold there is a XXXX XXXX XXXX ( which is my name as well ) living in XXXX XXXX, TX. 
So a few months down the road I am checking my credit report and it is claiming I have opened accounts that are not mine, and loans that are not mine. I went to dispute them but could not pass the identity questions because I don't have a car loan-she does- I don't have a retail credit card- she does so I was locked out. I finally called and spoke to someone at XXXX  and explained the problem and they said I would have to fax them a picture of my drivers license, social security card, and a bill. I did this. When they sent my results to me they sent it in an email and with the same identity questions, I ALWAYS FAIL.NOW, THEY WON'T SPEAK TO ME ON THE PHONE REGARDING THE ISSUE BECAUSE OF PROTECTING MY IDENTITY. IT HAS NOW SPREAD TO ALL 3 AGENCIES.
Product: Mortgage

On XX/XX/2020, I was looking to refinance my home. I entered my information of on a site that would give me options for a company to refinance my existing loan. Almost immediately I received a call from XXXX XXXX at AmeriSave Mortgage. I entered my information online and I spoke with XXXX on the phone. He promised me a rate around 3 % and conned me into paying a {$500.00} application fee. I paid the fee and XXXX was very difficult to get a hold of. I did call the company and left a message asking for my {$500.00} back, but I received no response. For the past few weeks, XXXX has been sending me almost daily automated emails asking for my homeowners insurance including a bill that show that I am paid in full and a statement with the replacement value. Each time I resend the information. The next day, I get the same automated email. I send the information again. No call, no explanation. I feel that XXXX tricked me in to paying the {$500.00} and I just want my money back. Thank you. XXXX XXXX
Product: Checking or savings account

On XX/XX/19 I deposited {$610.00} via phone deposit into my Bank of America ( BofA ) checking account. The screen stated {$200.00} available for cash and {$410.00} available to cover items posting on XX/XX/19. That was overridden and a hold was placed on {$410.00} until XX/XX/19 which caused two payments to bounce. I spoke with XXXX via telephone support and she told me it was because of my NSF activity that they placed the hold - in other words it was my fault. If I had know they were going to do this I could have driven to my credit union, taken cash out and deposited that at BofA. They constantly push customers to use their online and phone apps so I assumed I was doing the best thing at the time. 
On XX/XX/19 I received notice from XXXX ( my credit union ) that BofA had tendered the check and {$610.00} was deducted from my account ( at XXXX ). So the BofA transaction posted overnight in less than 24 hours. Yesterday, XX/XX/19, I went into the local BofA branch to complain because now I had two returned items and two NSF fees equaling {$70.00}. XXXX XXXX was very helpful and in fact reversed four charges to help right the situation, however the hold was not released on my deposit. I went back to the branch today and spoke with XXXX XXXX who had quite a different tone. He said he could not release the funds. I showed him my XXXX account and how the check had cleared on XX/XX/19 and been paid by XXXX. He seemed disinterested and said there was nothing he could do. I ask whom I could speak with in authority to get something done. Again, he was interested in trying to help me resolve the situation. He continued to tell me to call the 800 number for customer service. I told him that the funds being locked up was going to cause me to bounce more transactions and this amounted to predatory banking. Again, he couldn't have cared less. I said " so there's nothing you're even going to try to do to fix this? '' and he said " no. '' When I asked him his name, his clear English turned to thick XXXX accent so I had to ask him his name several times. Finally I asked him for his business card.
Product: Payday loan, title loan, or personal loan

I ended services with PayPal several years ago. I informed them to terminate my accounts and remove my information. Synchrony bank aquired what used to be their credit arm, BillMeLater. Despite repeated attempts with the company, Synchrony/PayPal Credit continues to hold the account open. I have not used this account since long prior to cancelling PayPal. There is no balance due. I have emailed and called them. On XX/XX/XXXX of 2019 I called and spoke with a representative. She assured me that the account is now closed. I received a follow up Survey request on XX/XX/XXXX and XXXX. Today I received another email reminding me that I have a PayPal Credit account. 
I am very tired of dealing with this. 
I do not wish to call them again, because I promise I will not be nice.
Product: Credit card or prepaid card

At the beginning of XXXX I believe Discover card decided after a customer service call to place my account on review without any reason, no late payments, no return payments, never over credit limit and never paid late. after almost two years they requested tax returns for 2017 which i refused Stating it was intrusive behavior for a {$400.00} credit limit account. Then after closing my account they started the same process with my Husbands account. I truly believe that this is pure and simple discrimination due to the fact that this all started happening right after a conversation I had with a service Representative were I identified my XXXX XXXX. Systematically they attacked me affected my credit and ended a relationship that had zero derogatory issues. I believe the are a company that discriminates
Product: Debt collection

In XXXX of XXXX I went into a Macys store to buy a suit. I intended to pay cash ( debit card ) for this item. A zealous store clerk said I could get 20 % off the suit if I opened an account. I told her I did not need an account and still wanted to pay cash. She said I would still get the discount for opening the account. The suit was {$220.00} and {$180.00} after the discount. I gave her my debit card and left. 

In XXXX, I checked my credit file and found I had a collection on my file from Macys for almost {$500.00}. Of course my first thought was that it was credit fraud and disputed it accordingly. The said it was that suit  from XXXX and the accumulated late charges and interest. I had not received any notification of an account or any bills for it. 

I went back and checked my bank statements and found that indeed, there was no {$180.00} charge from Macys in May..so that clerk apparently added this to the new account and did not charge my card.

I certainly want to pay for this. And I would even forego the discount for the account and pay the full {$220.00}. I hired a firm to represent me to get this taken care of. Macys said they could not talk to them because  the account was placed with a collection agency. The collection agency will not talk to this company even with my signed power of attorney OR my personal permission to speak on my behalf. 

I am now at a place where I can not resolve this issue that was not my fault to begin with. 

I would like for CFPB to publish my issue so that thousands or tens of thousands of others don't get caught in this loop where they can not correct an error.