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

I parked my XXXX XXXX XXXX XXXX XXXX airport parking in XXXX on XX/XX/XXXX upon my return on XX/XX/XXXX, I discovered my vehicle had been stolen. A police report was made and a claim filed with XXXX insurance company. The issue I have been having is with Toyota Finan Services. The payoff amount was for {$26000.00} with the first check being issued to Toyota on XX/XX/XXXX, check # XXXX. Toyota sent me a letter indicating they had not received the payment ; therefore, the insurance company cancelled that check and issued a new check on XX/XX/XXXX, # XXXX was overnighted and XXXX XXXX tracking indicates Toyota receive in XX/XX/XXXX. Confirmation number XXXX. Toyota ended up cashing the first check that they claimed to had not received, the 1st check bounced because it had already been cancelled. Toyota reopened my account and somehow also lost the 2nd check. On XX/XX/XXXX a third check was issued to Toyota, # XXXX. Toyota closed my account again with a payoff amount of {$17000.00}. I continued to make my regular payments of {$630.00} and also additional payments of {$2000.00} and {$4000.00} were made in my hopes to desperately try to reduce my payoff amount so I could proceed with getting another vehicle. Therefore Toyota owes me over {$8000.00}. While Toyota closed my account after receiving the 3rd check from the insurance company, by the next day they had reopened my account saying the check was sent to the wrong address and they have to send the payment to the correct address, mind you the payment address was provided my Toyotas team. The following day my XXXX XXXX called me and said my account was closed again and we can proceed with me picking up my new vehicle. I got a new vehicle after months of waiting for this issue to get resolved, my new loan is through another finance company. Only business I had left with Toyota Financial was the matter of the over {$8000.00} owed to me. I received an overpayment check of XXXX # XXXX, dated XX/XX/XXXX. This amount is no where close to what XXXX owes me, on top of that they have again reopened my account showing a balance owed of {$27000.00}. Every time I speak with XXXX they tell me call back in a few days, wait for things to process through, on top of that they are saying my account is past due as I did not XXXX the payment for XXXX and at this point I do not intend to make any more payments to XXXX. XXXX owes me a lot of money, I have been so patient in this trying time and all I want is for them to close my account and refund me the over {$8000.00} dollars owed to me. They have been looping me around for months and no resolution, it is hard to believe that this huge reputable company does such a poor job with processing payments and resolving simple issues. Please help me resolve this issue as I have gotten nowhere with speaking to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX  # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX  # XXXX {$1000.00} 10.XXXX XXXX # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14. XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX Florida Federal Court -XXXX Docket # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date is XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Transunion credit bureau. They first received notice to remove XXXX XXXX Bank account # XXXX, open : XXXX, status : Closed {$0.00}. Due to the fact that the mentioned account has fraudulent activity. They did removed account like all 3 credit bureaus did but out of the nowhere they reported back the mentioned account, violation of the FCRA. Im attaching letter sent back in XX/XX/, copy of the Federal Trade Commission Report they received and also the 2 reports, 1 without account and the other with account. Please remove this fraudulent account as soon as possible from my Transunion report. Thank you!
Product: Mortgage

We purchased our house and financed a VA loan through The XXXX XXXX Texas. Our loan was sold to Wells Fargo without our agreement. Wells Fargo is requiring both taxes and insurance to be escrowed. Every year, the escrow payment is increased due to taxes and/or insurance increasing. Previous years we have had to add funds to our escrow account to keep our mortgage payment from increasing. They called this an escrow buydown. No problem there. 

This year, our escrow payment increase and now I am being told that I can not add buydown escrow. I just have to deal with the higher payment. 

Coupling the increasing escrow payments, no buydown option, and not having the option to pay insurance or taxes separately will definitely lead to many people being forced I to forclosure because they cant afford the increased monthly payments. 

Wells Fargo needs to either allow their veterans using VA backed loans to buydown escrow payments, or not require taxes and insurance to be in escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, Bankruptcy ( s ) # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX XXXX ( ALL ), XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX # XXXX, Judgments ( ALL ), XXXX # : XXXX, XXXX XXXX XXXX # : XXXX. Remove all address other than my current address of XXXX XXXX XXXX XXXX, Il XXXX ; Remove all non-account holding inquiries over 5 days old,
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXX TN CHILD SUPPORT Account Number XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 60 days Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX  Monthly Payment - Past Due Amount - Highest Balance {$290.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have called several time and disputed this account spoken with supervisors below. 
XXXX ( Intergrity Team ) XXXX XXXX XXXX XXXX send me documents showing the accounts i have with them and this account above is not even listed. Document was sent to XXXX and equifax who refuse to remove this account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I took out a loan with One Main in XXXX, Ky. That loan was for {$10000.00} on a 4 year payment plan. My total payback was about {$15000.00}. I called today to get a payoff and I was told it was a little over {$4900.00} I called back to ask why the payoff was more than the balance, I was told it was an interest bearing account. When I signed the contract it was an installment. So I went to pull my copy of the contract which they gave to me in a folder and I never actually looked at my copy because I didnt have a reason to. I pulled it today they never actually gave me a copy of my signed contract they only gave me copies of the insurance disclosures. They insist I signed a contract agreeing to interest bearing and I did not and they didnt give me a copy of my contract.
Product: Vehicle loan or lease

credit acceptance has charged me and excess amount of INTEREST RATE. 

USURY LAW STRUGGLING TO PAY THE HIGH CARNOTE AFRAID OF REPOSSESSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting XXXXXXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting XXXXXXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX Account # 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: Debt collection

This is a complaint from XXXX XXXX against Mercantile for Mercantiles failure to provide requested information for the debt alleged. Consumer,  XXXX, received a demand letter from creditor, Mercantile. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/XXXX, Mercantile responded providing only statements. On XX/XX/XXXX, XXXX sent another letter requesting more information, specifically information which shows ownership, as Mercantile is not the original creditor. On XX/XX/XXXX, Mercantile again responded with the same information as its XX/XX/XXXX letter. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting or other personal consumer reports

I requested the deletion of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the announcement made on XX/XX/2017, Equifax failed to properly secure and protect my personal information. I verified this on their website. That information has now been compromised in a cyber attack along with millions of other consumers. Equifax also failed to notify consumers of the attack for over one month, therefore escalating the severity of the situation.
Product: Payday loan

Lender called my mother stated that if I did not pay {$600.00} I will go to jail. When I tried to get information regarding the account They stated the file was forwarded to the state to be processed and hung up in my face. Refused to give me any information regarding the loan. He stated his name was XXXX XXXX and he was very rude and unprofessional also stated that you people never learn before he hung the phone up in my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX  ; XXXX  and TransUnion Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I a loan with Lincoln Financial services. In a divorce, I had to return the vehicle voluntarily before it was past due. I returned the vehicle to the dealer which then had it processed and sold with a negative balance of approximately XXXX withstanding after auction. Lincoln then threatened to sue so I settled the account for every penny I had, Approximately XXXX. The settlement was accepted as paid in full. The voluntary repossession took place in XXXX. 

Still today, this account shows on my credit report as seriously delinquent. It is the ONLY negative item on my credit. After hiring repair services and contacting Lincoln directly by mail, they continue to update this account as a " fresh '' account and as being delinquent on all three of my credit reports. The status on my credit report states " in collections '' even though this loan was satisfied over XXXX  years ago. 

I wrote Lincoln Financial services and told them the whole story of how the divorce was unfortunate and the extent I went to make them whole, I also pointed out they are unfairly damaging my credit with zero gain for them and asked they stop trying to damage my finances. Their reply was kind of cold, saying basically not their problem even though it is THEM who keep reviving the credit history to a reporting status that is not true. The reports on this account make no sense at all and just this month while applying for a mortgage, I lost XXXX  points on my XXXX and XXXX points on XXXX due to comment changes on this account, when no change has occurred and this account has been paid for over 6 years with no new activity. 

I don't know why they have such intent or contempt for me, but I have had over XXXX  auto loans and this is the only load I ever defaulted on, and it was simply beyond my control based on life circumstances. I requested the loan be stricken from my file, as its over 7 years old and does not reflect the person I am, but that aside ... ..Its simply not accurate and the constant updates on its status are malicious at this point. 

I hope you can help me finally restore my credit standing as I have paid dearly for over 8 years with high rates which have certainly ensured I paid for my mistakes. I have been adequately punished for this, and I believe it needs to stop harming me intentionally.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

C

ommunication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

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

I AM A VICTIM OF THE XXXX XXXX XXXX AND XXXX DATA BREACH. RAN MY CREDIT TO OBATIN AND MORTGAGE AND WAS TOLD BY LENDER THERE ARE FRAUDULENT ACCOUNTS AND INQUIRIES ESTABLISHED IN MY NAME WITHOUT MY CONSENT AND AUTHORIZATION. SOMEONE HAS BEEN USING MY SOCIAL ILLEGALLY. I REACHED OUT THE THE CREDITOR DIRECTLY AND ALL 3 CREDIT BUREAUS AND XXXX IS THE ONLY BUREAU THAT SUCCESSFULLY REMOVED THE NEGATIVE FRAUDULENT ACCOUNTS FROM MY REPORT PROMPTLY. I HAVE SUBMITTED THE REQUIRED DOCUMENTATION FOR THE LAST 8 MONTHS TO XXXX AND XXXX WHICH INCLUDE COMPLAINT DISPUTE LETTER FTC IDENTITY THEFT AFFIDAVIT AND ALSO OFFICIAL POLICE REPORT AND STILL NOTHING IS RESOLVED REMOVED OR BLOCKED FROM MY CREDIT FILE. THE FRAUDULENT ACCOUNTS ARE FALLS COLLECTIONS {$440.00} BANK OF AMERICA {$12000.00} AND XXXX XXXX {$0.00}. I DID NOT OPEN THIS ACCOUNTS OR AUTHORIZE THEM SO THEY SHOULDNT BE OPENED OR REPORTING TO MY REPORT. FCRA SECTION 605B AND 609B.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is apparently a lien on my account for {$6700.00} from New Mexico  Taxation and Revenue f rom  XXXX . This has somehow been linked to my name. Please note that I only moved to the US in  XXXX  ( I am an  XXXX  citizen ), had never heard of "  XXXX  '' before today, and have nothing to do with this apparent outstanding account.     How can someone link something to your account with no one actually doing any checking?
Product: Credit card or prepaid card

I got a card with Synchrony Bank for XXXX XXXX in XXXX. I put {$40.00} on the card and immediately tried to pay it off, scheduling it for the bills due date, XX/XX/XXXX. Despite having enough money in my checking account, the payment was never even completed. I was never notified that that didnt go through and then I purchased about {$80.00} worth of clothes, not knowing my balance wasnt paid and then when my XXXX bill rolled around, I was notified from XXXX XXXX that my credit score went down over 120 points and that my balance was over {$100.00}. I immediately went to pay it and the late fee which made my balance {$160.00}. Days went by and I decided to log in to make sure payment went through, it did not. I, again was never notified when I should have been. So I did the live chat and they said they would remove the fee because I had proof it was not my fault. So a few days ago I made a payment for my total balance of {$130.00} and it is saying my payment is completed and processed but the money is still in my account and it is saying my card still has a balance. I want no more parts of this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was notified that my info was breached in the EQUIAX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 15 U.S.C 1681 and the FRCA act, everything must accurate and fair. The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the EQUIFAX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. I will resort to making a thorough complaint also to the XXXX  if these accounts are not deleted. 
I have enclosed FTC AFFIDAVIT to request the erroneous errors be removed. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX {$6200.00} XXXX XXXX {$2100.00} XXXX XXXX {$3100.00}
Product: Debt collection

Penn credit Corporatio Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is reporting wrong on all my credit reports and twice different amounts. This is not my debt, I never ever heard of this company.