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

My sister and I financed a loan through Toyota Finance for a XX/XX/XXXX XXXX XXXX XXXX  and in XXXX there was one payment left on the loan. Unfortunately, there was a bad storm and a tree in my sister 's yard fell onto the XXXX on XX/XX/XXXX creating a total loss. The insurance company called Toyota Finance to obtain the loan payoff amount with the intention of sending the payoff to Toyota and the remainder of the claim balance to my sister so as to expedite the process allowing my sister to purchase another vehicle quickly. This was very important as my sister 's son was severely injured in an auto accident on XXXX and my sister would travel almost daily to see him in XXXX some 70+ miles away. Toyota explained to the insurance company that their policy required the ENTIRE amount of the insurance check for the actual cash value of the vehicle and once received, they would process the payoff and return the remaining funds to my sister. The insurance company explained the situation to Toyota that my sister needed another car quickly but Toyota would not budge from their stance. I called Toyota around the end of XXXX after hearing the situation from my sister and I was told it was their policy to require the entire amount of the insurance check in a total loss situation and they refund any difference and we can expect a check between 18-21 days from when they receive the check from the insurance company. I asked their reasoning for why they needed to receive the entire amount of the insurance check - approximately {$12000.00} when we only owed {$430.00} left on the loan- exactly one payment. I was told this was their policy but was never explained the reason for said policy. I have worked in Loan Administration and know that there is no viable reason for this policy as the only sum of money needed by Toyota is the amount of the payoff to satisfy the loan balance and release their lien on title. As a result of this unfair policy, my sister and I have been financially harmed. I had to use my savings to purchase a car and at this point ( XX/XX/XXXX ), we have yet to receive a check from Toyota.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my consumer report
Product: Credit reporting

I keep disputing a supposed collection account on my credit report from ( XX/XX/2006 - XXXX ). I have disputed this account with Experian multiple times and they keep updating it as a collection that I recently paid off. I even went so far as to call that company ( XXXX ) and get a letter of perfect account history and a letter asking them to remove the incorrect item. I sent Experian certified letters regarding this matter and they will not delete it from my credit report. " Hypothetically speaking '' if I had a collection account from 2006 ( i did not ) " and that was 10 years ago anyway '' I requested a credit report and dispute from them multiple times but it is still not removed. How do I file a complaint or sue them for defamation and stress? Who can i complain to, where will i be able to file suit in court against them? My Experian credit report number is XXXX.
Product: Checking or savings account

In XX/XX/XXXX, I opened an account with PNC to have as a savings account. In XX/XX/XXXX I logged into the account I discovered the bank had been debiting my account {$25.00} a month, totaling {$420.00} taken from my account. Speaking with a resolution XXXX, XXXX XXXX the bank does not dispute that I had not logged into my account from XX/XX/XXXX until XX/XX/XXXX. They do not dispute that no services were offered on my account ( I never called in, did activity, etc ) but they denied my request for a refund of these fees. 

The mistake of putting {$430.00} less in my account to open it, should not be a penalty of {$420.00}. The PNC virtual wallet terms state that " six consecutive months '' of inactivity causes the account to be considered inactive. Yet, they charged the fees even after six months. 

Although I did try to work this out with PNC, they have offered no refund of the $ XXXX monthly {$25.00} fees, as relayed by XXXX XXXX on XX/XX/XXXX.
Product: Credit card or prepaid card

Dispute XXXX. I provided all information related to the case. I was charged for something that was never received, merchant failed to deliver product and city bank let the merchant keep the money without delivering the product.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters out to XXXX Transunion and XXXX stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX XXXX deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. Transunion and XXXX   stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act
Product: Consumer Loan

I took out a loan with CastlePayday a couple of weeks ago. They took money out for the XXXX payment on XXXX XXXX. When dealing with a different loan issue, I realized that I did n't have a copy of my contract for this loan. I called them today, asking for a copy of the contract. They sent me a schedule of payments but no contract. I called back to request the terms of the loan. The person I talked to that time, said that it was not a payday loan, but that it was an installment loan. I told him that I was aware that it was an installment loan, but that I still wanted a copy of my loan paperwork, since none was ever made available to me, and it was n't sent when I had just asked before. Again they sent a copy of the payment schedule, again, not what I was asking for. I looked back in my emails from them to see if I missed something and all I found was information I should know about my loan which included a notice that failure to make timely payments would enact applicable tribal law, and they would send over the loan to a XXXX party in the event of default. That 's it.
Product: Debt collection

Evictions were reported from a company I have no knowledge of and they also reported things on my credit without my permission basically violating my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

13 payments still have not been reported to the credit bureaus. I have received a copy of my payment history from your company via mail today. I will continue filing complaints until all payments are properly reported to all credit bureaus. You stated starting in XX/XX/2018 all payments would be reported after my forbearance period, refer back to taped phone calls with your company. As of today, they are still not being reported. This issue will not be resolved until my payments are all properly reported with the credit bureaus. Per your representative, XXXX XXXX he suggested I find another bank to refinance my loan, I have yet to do so since XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX   Loan Originators stated, " XXXX XXXX XXXX XXXX needs to report all payments with the credit bureaus. This can easily be resolved by the company submitting a report showing all payments that are missing as now being reported, " Paid. '' Your company is once again, holding me back from now refinancing and then selling my home. When will this end? Lawsuit?? Media? You t
ell me as XXXXne of many consumers I am finding out that have gone through this same issue, XXXX XXXX   XXXX XXXX not reporting payments with their mortgage loan to the credit bureaus. 

Your representative XXXX XXXX did not return calls nor emails all of the time, especially when he stated he would contact me back. Instead CFPB would send me an alert stating you submitted a response to my complaint. I have contacted your company again this week, this morning to address the missing payments. When is this going to be so easily resolved? This is a HUGE issue, problem that continues ... 

I thought your company Motto was to help and support all veterans. I have other coworkers that are having the same issue with XXXX, not reporting all payments with regards to their mortgage loan. Seems I am not the first. I never had problems with car loans nor bank accounts with XXXX, seems only the mortgage sector of your company has the issues. 

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

I have a loan with XXXX XXXX XXXX, LVNV FUNDING LLC, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, LVNV FUNDING LLC, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

I requested a banking account and a debit card from Square last month and today. I called Square last month and today. They could not explain why I was refused. Only that the message I received of denial was all I would be told. I could not be identified andhad used my allotted number of attempts. ( 2 ) I have used the Square credit card platform for over XXXX  years. They process payments to my credit union account, XXXX, have given me XXXX loans for XXXX  years.They have always received timely repayment. They have my copies of social security no, drivers license, and credit information I requested to be transferred to the banking department. I spoke with XXXX. She said she was not able to escalate my issue. That I had used my attempts and thats all I was allowed. I told her that was incorrect and I wanted to speak to a manager. I held the telephone line, she came back andsaid no one would call me back or could provide further information Of my denial. 
I had XXXX other XXXX XXXX  attempt and they were denied as well. I reviewed Squares listing of business that they conduct business with. XXXX XXXX were not listed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX which falls under trafficking debt bondage final rule 1002.142 ( b ) ( 4 ) ( 5 ) 1002.142 ( b ) ( 7 ). My name is XXXX XXXX I was born XX/XX/year> my last XXXX of my social security is XXXX. I would like for the info listed to be BLOCKED AND DELETED from the XXXX credit agencies XXXX XXXX AND EXPERIAN XXXX. 

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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX XXXX and compass bank have failed to do anything sent police report and hacking reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received letter from XXXX stating they have started investigating my compliant and if the companies doesn't responded within a timely 30 days manner the I would need to call the companies and arrange for the incorrect information to be removed. I told them that I never had XXXX XXXX  Account, nor do I have any credit cards in my name or in my possession. Soon after I reported the information with XXXX and read their response. I then received on XX/XX/ a Notice of data breach. Seems to me everytime I try to dispute or challenge my credit report data. I get letters such as notice of data breach or my identity has been stolen. Is this a tactic on the part of the credit bureau. I also requested a copy of my credit report from all XXXX bureaus and I only received XXXX. I personally called all three bureaus to resolved these inquiries and to remove any information that was not accurate. Any they had the nerve to want me to pay them to remove my information off the dark web.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some I hard a close account witch was pay n full n promise by the XXXX XXXX that it would be removed not have permissible purpose. I also attached evidence 1. [ XXXX XXXX  ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Debt collection

Someone used my name to open an account at XXXX XXXX XXXX  and ran up a XXXX bill that went to collection in XXXX Texas. They had XXXX address and I live in XXXX Oregon all my life ( XXXX  years ) and have never even been to Texas.
Product: Checking or savings account

I use the Payactiv app through my work, XXXX XXXX XXXX. I was using the app as a saving account for an upcoming vacation. XX/XX/XXXX I noticed the withdraw option was missing, I contacted Payactiv and XXXX hours later the option to withdraw reappeared. XX/XX/XXXX I tried to with my balance of {$600.00} and I received an error message saying unable to withdraw. I have been in contact daily to every other day with customer support via chat and phone calls. I have talked to numerous representatives and I keep getting told they are working on a solution. While on vacation and unable to access this savings Payactiv transferred {$33.00} from the saving account to the actual card lowering the balance to {$570.00}. I spoke with a XXXX named XXXX XXXX yesterday and he was not able to give me an XXXX on when my funds were going to be accessible. This company helps provide earned wage income before you receive your paycheck however this is my money I have been saving and now I am back from vacation and desperately need my money. From what I can find Payactiv is owned by the XXXX XXXX XXXX XXXX XXXX. I have had to take out a loan that is affecting my credit and if I dont not receive these funds I will not be able to pay rent. It basically ruined my vacation having to be on the phone with customer support daily and never get a resolution.
Product: Credit reporting or other personal consumer reports

I reviewed my Experian credit report on XX/XX/XXXX and noticed some things are incomplete & inaccurate. According to the Fair Credit Reporting Act ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5 ; ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 
In addition, according to 15 USC 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition.

( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In accordance with the Fair Credit Reporting Act ; the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX {$7200.00} Date : XX/XX/XXXX XXXX XXXX XXXX {$3200.00} Date : XX/XX/XXXX
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : In accordance with the Fair Debt Collection PracticesAct, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. I have attached documents from the Federal Trade Commission- NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA and the identity theft letter.
Product: Credit reporting

Accounts paid credit cards do not belong to me XXXX on Experian paid XXXX see copy court papers XXXX XXXX XXXX
Product: Debt collection

I have attempted to contact this agency multiple times at XXXX, as well as XXXX. I called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and twice at XXXX on Tuesday, XX/XX/2022 which is listed as open business hours, and keep getting a recording saying " we can not accept your call '' or " we are currently closed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, Experian, XXXX : I am writing to you because I am concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it is important that we have accurate records on file with those who rely on them most- including not just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. I would love any feedback possible before taking action against you later down this road together. The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate. I am demanding accurate documentation so you can document me- the person who deserves status in society- correctly. Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Product: Debt collection

I dont know what this charge is i think it was my mothers but she is decease now Date XX/XX/2014 Portfolio Recovery original XXXX XXXX XXXX total {$740.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX DOB : XX/XX/year> XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX RE XXXX Remove a collection : The purpose of my letter is to dispute the following collections that are wrong and unauthorized. Please remove it from my XXXX credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ). 

Name : XXXXXXXX XXXX  Date created : XXXX XXXX Balance : {$240.00} Creditor : XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a previous complaint to which the company said that all attempts would be stopped. Company still continues to try and contact me.
Product: Money transfer, virtual currency, or money service

My friend sent me an amount of {$1100.00} on XX/XX/XXXX  in Paypal. It was a Paypal to Paypal transaction. It was my friend 's first time to transfer funds to another Paypal account. She mistakenly sent it under " Sale of Goods '' instead of selecting " Family and Friends '' which I believe made the fund to be put on hold. 

I already requested to release the money because we will use it to pay important bills and hospital bills but they didn't provide us any further help about our issue. We understand that there's a policy but we did not do any illegal activity. We got our money working from out remote clients as a virtual assistant. We just wanted the money to be released right away and do better next time in terms of sending funds. 

We want to complain about it because it's not fair to hold our money for 21-180 days just because my friend just didn't know how to navigate the online app.
Product: Checking or savings account

On XX/XX/2023, I received an email saying that an account on Chime was opened. I called the company after XXXX it and found the phone number XXXX the person who answered my call wanted to ask me for my data, so I told him that I did not know what is Chime, and I just wanted to know if that company is real. 

He told me that they were based in XXXX XXXX, CA, but that he was taking my call from overseas. I did not want to call again and I ended that call by saying that if I saw something suspicious I would notify the authorities or the police. 

Tonight, I just got home and saw more emails with transactions on that Chime account. 

I am attaching the emails received. I think this is a fraud or scam, if not phishing, and they are using my email to get my name, and also a previous address where I used to live before. 

In one email they sent me this information for the Chime account that I had not opened ever. 


Routing number : XXXX Checking Account number : XXXX I would really appreciate anything you can do to protect my data and my rights. This account is not authorized by me. All the transactions made for them, are not mine, Somebody is acting using my email address and my personal data.
Product: Credit card or prepaid card

My wife, XXXX XXXX, received a debit card from USbank ReliaCard in the mail. It is for unemployment benefits from the State of Ohio. She has never lived in Ohio. She is not unemployed, and has never applied for unemployment benefits. The State of Vermont ( where we are residents ) told us this represents identity theft. Repeated calls to USBank have been fruitless. Its website has not been helpful. Today, as I write this I have been transferred to an unhelpful menu and been on hold for 25 minutes so far.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX  XXXX