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

On XXXX XXXX at about and around XXXX I met with Mr.XXXX  Sale Manager Of XXXX, California Toyota Dealership who assisted me on purchasing my XXXX XXXX XXXX on XX/XX/XXXX. 

Mr.XXXX  had a conversation with Toyota Financing Services Ms.XXXX with employee ID # XXXX and also another Rep in regards of a possible trade in so I able to have a monthly payment of {$300.00} a month that's more affordable for me instead of present Auto loan payment of {$480.00}. 

I am respectfully not able to pay {$480.00} a month now or later I can only pay {$300.00} - {$320.00} a month payment. 
Toyota rep in which he was a male rep stated on a recorded phone conversation as Toyota Administration records all customers conversation. 
I made call to Toyota Financial with my cell # XXXX my call can be traced by Federal Government and location at XXXX Toyota Dealership for evidence. 

Mr.XXXX explain to both Reps of trade in to make my monthly payments at {$300.00} a month, but Toyota Financial Services wants doesn't want to reduce the Payoff to {$14000.00} as XXXX XXXX states for XXXX as value decreases. 

Toyota Financial Service is asking for a Payoff of {$23000.00} and is go through XXXX was purchase for {$26000.00} on XXXX XXXX with GAP Insurance and Extended Maintenance Repairs Service , but this Gap and Extended Service was terminated by me on XXXX XXXX and Toyota eliminated and the funds of around {$2300.00} that was retrieve was utilize to be implemented on the Toyota Auto loan XXXX XXXX XXXX as stated on billing statement evidence of XXXX XXXX. 
I provide evidence of this payment from Gap Insurance funds to Federal Government CFPB and XXXX Department of Justice on filed complaints # XXXX and provide it evidence to US Senator XXXX XXXX office. 

Toyota Financial Service Male Rep that was talking to me and Mr.XXXX stated that Toyota Financial can make my monthly payments more affordable so I can keep this wonderful beautiful reliable Toyota vehicle as I love it and I love to keep it.

If Toyota Administration reduces my monthly payments to {$300.00} a month I will make timely payments until vehicle is paid in full and respectfully timely payments will support me in getting my credit in prosperity as my credit is not in prosperity and I am working on my credit. 

Toyota Financial Administration rep stated that Toyota has special programs for our Military Veterans for support. I am respectfully a XXXX XXXX XXXX Military Veteran, XXXX XXXX  and Retired. 
I only receive XXXX  XXXX Retirement Pension income and I don't receive Social Security benefits or any other income. 




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

XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON MY TRANSUNION CREDIT REPORT. 
They are collectors for XXXX XXXX  XXXX.At the only visit I have ever had I needed to have a tooth pulled.I paid {$200.00} cash at the time of service.In addition I had a deep cleaning which was covered by my XXXX XXXX XXXX   PLAN that I was told was covered.I was given a prescription for XXXX that was paid for by my insurance.This debt is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Volkswagen Credit Multiple times via phone and written correspondence. VW Credit has failed to acknowledge my dispute and failed to forward a response to my dispute. However when I dispute the account directly with the credit bureaus VW Credit seems to always respond within the 30 day window to keep the negative information on my credit report. 

at this time I would like VW Credit to respond to tell me why this information must remain or remove all the negative information as i have requested.
Product: Mortgage

Last year we got behind on mortgage but to get relief they told us it has to be at least 2 months behind for loss mitigation. So after 2 months I applied and sent all documents then on deadline they told me it got denied and I had to send more information. I then resent everything again and asked them if I can still pay while in loss mitigation. They advised me that I can not make payments until it was finished. This process happened about 4 times of I remember where I kept sending everything. They not only didnt keep me informed I had to call them weekly for updates and told they didnt know anything yet. Finally I got on 3 month forbearance which ended XX/XX/2023 but at beginning of last month they said they were sending me a packet to renegotiate our loan in middle of XXXX. Not only did they not send anything they also did not contact me to tell me it fell through. I called On last day of XXXX to see where the papers were and they told me they were unable to do anything that Im in foreclosure now. I asked for our communication transcripts but they said I must subpoena them for the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /  XXXX  , I called  XXXX   XXXX  to install internet at a second house. I have  XXXX   XXXX  at my current house for 2 years with perfect payment history. I explained to the  XXXX  rep I did not want an inquiry on my credit report for this second account, referencing my perfect history as a current customer. The rep stated it was not necessary to make a credit inquiry and  XXXX  would NOT make an inquiry on my credit if I could correctly answer  XXXX  questions to verify my identity. I answered the  XXXX  questions correctly. During the recorded call I asked the  XXXX  rep repeatedly about inquiring my credit report and was advised repeatedly no inquiry would be made by  XXXX  on my credit report. Subsequently, I received a notification from  XXXX   XXXX  made an inquiry on my credit. I called  XXXX  and made a complaint to a  XXXX   XXXX ,  XXXX   XXXX . She stated she was looking into the matter and the call was recorded and she would review it. A month has gone by and  XXXX  has failed to resolve the situation. I am drafting this complaint on  XXXX   XXXX , a federally regulated communications provider for further action.
Product: Credit card or prepaid card

Last year XXXX cashapp took XXXX off my card. When I called to report this. They closed my account. I made another account to report it and they also closed that one. They will not give me the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my credit report for now 6 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Georgia. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as requested but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are also several inquries in which I honestly do not recall authorization my reort to be pulled and have requested for these to be validated and removed. No response or action has been taken on any of these requests. 
At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 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, credit repair services, or other personal consumer reports

I have some fraudulents accounts in my credit profile that i been disputing and i had sent the three credit agencies XXXX, XXXX and transunion a FTC report like Early XXXX as my ftc report showed, and some disputing letter on XXXX XXXX been victim of identity theft and i have 4 negative items on my report on XXXX, XXXX and Tu that i do not know where they Come from.i need them to be delete.their investigation took more than 30 days and they violate my right by keeping those in my report. 
I hope you can be the voice of People like me Who get abuse by some agencies out here. 
Thank you.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX  XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX**Balance : {$0.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX*Balance : {$0.00}
Product: Checking or savings account

on XX/XX/2020 my card was activated. It was sent to my old address, after I put in a change of address at my post office in XXXX WI. My income taxes was deposited on to my card and the card was stolen by my previous roommate. I was sent an email on XX/XX/XXXX at XXXX a whole day later saying my card was activated. This card was stolen out of a mailbox and opened by someone else. I gave them the information of who I thought it was. I immediatedly logged into my account and seen that XXXX has been stolen within 24 hours. I immediately called American express and cancelled the card immediately. i called the police and made a police report and gave them my former room mates information also.I filed a dispute and American express denied my claim stating that the transactions were authorized. I never even seen the card. Then they sent me a new replacement card that I had to cancel also because it went back to that address. The same person tried to use the card but I changed the pin so the account got locked out. I want t know how the came to the conclusion that these transactions were authorized? I still to this day XXXX have not got my card with my name on it from American express. I do not have my income tax money, I do not even have access to my card at all. It has been over a month and I have not even seen this card but have been stole from and they refuse to give me my money back. now I am homeless with my XXXX children and American express has done nothing to resolve this problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that all accounts and inquiries related to the breach be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

Below are the accounts and inquiries that have been affected : Accounts to Be Blocked and Deleted : XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX XXXX  Account Number : XXXX, Opened : XXXX Balance : {$17000.00} Inquiries to Be Removed : XXXX. XXXX XX/XX/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: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under Bureau of Med Economics. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that has been placed on my credit report on XX/XX/2019 by Synchrony bank from Syncb/PayPal. I disputed this inquiry with the credit bureau XXXX asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.
Product: Credit reporting or other personal consumer reports

My complaint centers on Chex Systems reported inaccurate and private information, which has adversely affected my consumer report. They are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C. 1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.
Product: Credit reporting or other personal consumer reports

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected account : ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX BALANCE {$770.00} I have previously submitted a detailed report of identity theft, along with supporting documentation. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file. 
Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law. 
I kindly request that Experian, XXXX and XXXX conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX XXXX
Product: Debt collection

This insurance was set up when my husband was getting a truck from a XXXX dealership. They needed proof of insurance so he set it up really quick under my name ( because we keep accounts logged in ) on accident. When numbers were finalized my husband ended up not getting the truck at all that was paired to insurance and it still sits on the dealer lot.
Product: Checking or savings account

On XX/XX/XXXX I tried to open my online savings account with Marcus Goldman Sachs and I found out that it was temporarily locked. They then told me that they can not help me at all on that day on XX/XX/XXXX. I then called the company the next day to find the reason for this and they told me that they could not verify my identity because my number was not in my name. Then they told me to wait for five business days and to call them again because they would have found in a strategy to verify my name and my identity. One of the customer service people told me that if I had a new number that was different from my old number then maybe they could verify my identity through that number. This was a lie because after the 5 days I called them and they told me that even with the new number they still can't verify my identity. I believe these people are playing me and they're trying to use my savings for their financial gains and they're trying to lock me out of my account in order for them to have enough time to make as much as much money as they can from my savings. In this account I had {$2000.00} and was subsequently unable to pay for my rent and living expenses. I need help and they should be brought to Justice. Please help!
Product: Debt collection

I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2022. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX SOLD TO CREDIT COLLECTION SERVICES. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Product: Money transfer, virtual currency, or money service

I received the middle class tax refund, I activated my card and the same day I received an email from money network to open an account to keep track of my spending etc... 
so I did, I did not use the card for about a week, and when I did there was XXXX XXXX on the card. I called money network and filed a claim that my money was stolen, waited 3 weeks and contacted money network again and the agent told me that my information was entered wrong and that she would have to refile my claim and not to call back until XXXX XXXX i am a tax paying american citizen, I earned that refund and because of the shoddy handling of peoples information, and no security in place my money is gone. I have been waiting since XXXX XXXX XXXX XXXX was ruined I was counting on that money. can you please help me get my money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive. They did not comply with error resolution under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX Bank Account number XXXX, XXXX Account number XXXX, XXXX Account number Account number XXXX, XXXX and XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, have violated my rights. 
15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A section2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I was checking my credit report on credit Karma and it stated that my chances of getting a Capital One Credit Card was fair. I went to capital one website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new capital One Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with capital one 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. Capital One should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.