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

Re : Toyota Corolla - XXXX -VIN : XXXX. I sincerely believe that Im a victim of a yo-yo and/or spot delivery scam perpetrated by Toyota Financial Services ( TFS ) and XXXX XXXX Toyota, XXXX, TX on or about XX/XX/2015. Additionally, TFS, in collusion with XXXX XXXX sales personnel and finance department, misrepresented the facts during the car-buying and loan-signing process. I was told that TFS was requiring that I purchase an extended warranty, disability, and gap insurance. Although I indicated that I did not want the extended warranty or the disability  or gap insurance, the finance officer stated that Toyota Financial Services would not finance the loan without these add-ons. During the loan-signing process, I stated that the monthly auto payment of {$650.00} would be a major financial challenge for me. Because my trade-in had been sold and of my fear of being without transportation and having little-to-no knowledge of contract law, I reluctantly and under great duress signed the deal to purchase the XXXX Corolla. I'm presently under the care of a XXXX ( XXXX XXXX XXXX, MD of XXXX Hospital ) because this matter has caused me great XXXX and thoughts of XXXX. Additionally, I've received no support, financial or contractual solution from TFS despite several phone calls, emails and faxes complaining about this matter. 


I would like for TFS to immediately cease any planned repossession of my auto until this matter can be resolved. And I would like for TFS to do a very thorough and complete audit of my loan documents that are currently in the hands of XXXX XXXX Toyota of XXXX. 

I am seeking immediate relief and would like all parties involved ( myself, Toyota Financial Services, Toyota Motor Corporation and XXXX XXXX Toyota ), and all those who have a fiduciary interest in this matter, to provide such relief that will be beneficial to all. It is my desire to resolve this matter without the need to involve the courts, Texas Department of Motor Vehicles, the FTC, the press, social media, etc
Product: Checking or savings account

XX/XX/2019,,, Continued Issues That Was Never Solve, ( Example ) If Overdraft On My Debit Card, ,Using. The Access Code, ,The Money Is not Suppose To Come Out My Bank Account It Is Really Supposed To Be Credited From The Bank If Wells Fargo Already Owes Me Money And Never Paid Yet, ,So I Think The Bank Is Stolen Money From Me and Other Customers In the Bank, Which Is So Egregious, ,And Unacceptable!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job with XXXX XXXX and they ran a background check through a company called Checkr. Personal information on the report was correct, except for my drivers license number, which was completely wrong. The traffic violation was also not correct - it showed violations in a state I've never lived in.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my TransUnion credit report and was dismayed to find that accounts were reported without my permission. I did not grant anyone consent to post this information on my credit report, nor did I provide any third party with authorization to furnish such a report.

Your company 's actions are in clear violation of the law, specifically 15 USC 1681b - permission to report on consumer credit report. The law explicitly states that consumer reporting agencies may only furnish information in accordance with the written instructions of the consumer. I did not provide written instructions for these accounts to be included on my credit report. 

Furthermore, the Fair Credit Reporting Act under 15 USC 1681 ( 2 ) ( a ) states that any report containing information solely as to transactions between the consumer and the person making the report should be excluded. Therefore, I am requesting that the late payments referenced in my consumer report be deleted immediately. 

I expect a prompt and appropriate resolution to this matter. Please confirm receipt of this letter and provide a timeline for when the unauthorized accounts will be removed from my credit report. 

Failure to respond satisfactorily by deleting the unauthorized accounts and providing me with a free copy of my report after the changes have been made will result in legal action being taken against your company. I will also seek {$1000.00} per violation for the unauthorized reporting of information on my credit report. 
1.Defamation of character ( per se ) 2.Negligent enablement of identity fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations.

4.Fair debt reporting Act 15USC 1681 violations for willful noncompliance for willful noncompliance [ 15 U.S.C. 1681n ) Sincerely, XXXX XXXX
Product: Mortgage

I have an existing loan with Mr. Cooper. Approximately 4-6 weeks ago I contacted the company asking for instructions about how to remove the PMI from my monthly payments believing the property equity now qualified to allow that to happen. 
They gave me the instructions on what I needed and where to fax the information they needed. I did that about a month ago. 
The information I submitted ( formal BPO ) clearly demonstrated that the property met the minimum equity ratio necessary to ensure the PMI could be removed. 
I have documentation that the information faxed was received. 
I have since followed up twice with Mr. Cooper. Each time no one can tell me where the request is in process and why I have not had any response from the company. 
I believe Mr. Cooper is merely dragging their feet to avoid removing the fee from my mortgage payment as they are required to do by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$890.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX  : {$350.00} XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

We have been customers of Navy federal Credit union for five years and often have overdraft fees even enrolled in the OOPS program. Our account will show a positive balance and pending transactions covered but then there are overdraft fees that make us go negative. And then the fees become daily to where if there where no fees we would have a positive account.

They have denied disputes and fraud claims despite provided evidence.
Product: Credit card or prepaid card

I applied for a credit card for a department store purchase on XX/XX/XXXX. I was approved for the card and proceeded to purchase furniture on said card. My delivery was set for XX/XX/XXXX but my home was not ready to take delivery so I rescheduled for a later date. I also opted out of one of the furniture items prior to my scheduled delivery. I received the furniture on XX/XX/XXXX. I received an email on XX/XX/XXXX stating a payment was due XX/XX/XXXX. I called the credit card company on XX/XX/XXXX letting them know I didnt receive a bill yet and just recently received the merchandise. At the time of the call the representative stated she would make a note and that I shouldnt pay until XX/XX/XXXX and she would make a note regarding any late fee to be removed. I requested my account be removed from electronic billing statements and would like to continue receiving a paper bill instead. On XX/XX/XXXX I received a collection call from XXXX XXXX regarding my past due bill. I explained the previous conversation with customer service and also requested more detailed information on the balance due. The collection representative stated she couldnt request an late fee adjustment unless I agreed to pay the amount past due. I was very upset the previous rep didnt request this adjustment or note my account. I feel this situation is predatory lending. I was never told my billing would start the date of the transaction instead of my delivery date. I also have never received my initial bill even after I requested it on XX/XX/XXXX. This has caused me emotional distress and a financial hardship because I wasnt prepared to make a payment until after I received the merchandise. My credit score was impacted by the transaction because it reflected a balance above the amount of merchandise I received. The company was only willing to reverse the late payment after I made a payment and is requiring me to pay the late fee to later credit towards my merchandise purchase. In total I authorized {$140.00} payment to eliminate any past due marks on my credit however I also need to pay an additional {$29.00} for the late fee even though the payment should go to my balance. I believe during my credit application I was automatically signed up for electronic statements that didnt allow me to dispute this prior to my due date. The company will not acknowledge there was a break down in communication from the initial credit approval. They will not assist with any corrections to eliminate my minimum payment being a lot higher with less merchandise actually received.
Product: Credit card

On XX/XX/XXXX I received an email that my credit limit was changed. When I logged into my account, my Citi Double Cash card limit was reduced. Citi Double limit was $ XXXX with {$5000.00} available went to {$5100.00} limit and {$570.00} available. I have never missed a payment and always paid more than the minimum. I've had this card since XXXX and my account history with Citi has been excellent. Yes, my credit score has changed but that has not impacted my obligation to pay my debt. Reducing my limit impacts my credit score which further perpetuates the cycle of my score decreasing do this action. I understand the economy is challenging and uncertain, but I value my relationship with Citi and would appreciate their partnership with a consumer that is committed to them and reflect that with reinstating my credit limit.
Product: Debt collection

I owe a judgement the debt collector liquidated my IRA account in order to collect the debt I owe I notified the financial establishment but they informed me that the debt collector had an order from a judge? I informed them that in AZ it was against the law for debt collectors to collect a debt from an IRA account. 
I had an attorney write the financial establishment NOT to give the $ to the debt collectors .I have lost $ XXXX in financial gain from the stock market and did not have access to MY money for over 90days. 
So far it has cost my {$1000.00} in lawyer fees plus all the time I spent with lawyers who said that could help me and ended up them wanting thousands of dollars to fight or file a lawsuit The debt collector did not inform the judge that the account was an IRA account and falsified the writ of garnishment.
Product: Checking or savings account

Through Chase online, today I tried to enter an external account that I have at XXXX XXXX XXXX XXXX so that I could transfer money back and forth between it and my JP Morgan account. 

Chase online, which is the only online banking service JPM has provided me, would not allow me to do so. In addition, when another person on the same JPM account tried to schedule a transfer to XXXX XXXX, contradictory information was provided in at least 3 different locations in Chase online about the date the money would actually leave the JPM account, making it impossible to schedule the transfer, due to unreliable and incoherent information provided about the transfer, when it would leave the JPM account and/or arrive at the XXXX XXXX  account. 

Both persons on the JPM account attempted to make a transfer or set up a transfer to the same XXXX XXXX account. The transfer is needed in order to pay a monthly mortgage, yet JPM prevents users from being able to use this function, despite widely advertising its availability. JPM blocks the timely receipt of electronic funds transfers by other institutions for mortgage payments.
Product: Credit card

A new card was opened in my name XXXX XXXX XXXX Card and a purchase for over XXXX was showing on a statement for a XXXX XXXX. ( XXXX XXXX XXXX ) I contacted the company to dispute it. They kept it on my card. I asked to show any proof that this charge was made by me. Any invoices, receipts or ID upon checking in. They never provided it to me. I then closed my account and disputed with three credit bureaus and the response was that the information they have is correct but never sent it to me. It has been over 3 years and I still dispute it and put the remarks down. This was not made by me and as a vacation rental purchase ID is required to use any platforms when paying for this.
Product: Mortgage

I am currently going thru Wells Fargo for a mortgage on a home. We were promised a certain rate ( XXXX ) and down payment ( 10 % ) on a mortgage for a XXXX family that we will be using as a XXXX family. The bank had the information on the property and a letter that stated we were using it as a XXXX family for the underwriter. All was well until now a little more than a week before closing, the appraiser says that he must do the appraisal as a XXXX family. Which is fine, I do n't care how it is appraised. However, now the bank is requiring us to put down 15 %. We have the money but we 're going to use that to put in air conditioning. I think it 's unfair that because an appraiser says it must be done as a XXXX family property, it affects our down payment and I 'm being told maybe even the rate.
Product: Debt collection

I sent a certified letter on XX/XX/2019 to Hunter Warfield to validate a debt they have posted my credit reports from XXXX XXXX. I heard back from Hunter Warfiled on XX/XX/2019. I contacted them again via certified mail on XX/XX/2019 asking them remove the unverified items while they conducted their research, as continuing to post this item unverified is still a means of collection. I've sent my final certified letter to them today, again asking them for their source of validation. 

In the meantime, I've been conducting my own research with the other consumer reporting agencies. XXXX had this same item posted saying my deposit was returned, but then I also had balance when I moved out. That doesn't even make any sense. Attached are the results of that dispute from XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Let me also add that in 2024, I was approved for the XXXX XXXX, which provided free cell phone services to qualifying individuals. Therefore, I know this account is not mine because I never had to pay for a cell phone bill in 2024. Harris & Harris LTD does not have a physical consumer agreement, bearing my wet signature, which would prove that this collection account is mine. I was also a victim of the XXXX and XXXX data breach that recently occurred. If there are any agreements with my name attached to it, it is definitely FRAUD. No be has the same signature as me so if this company can not prove this debt is mine or provide a thorough investigation proving this debt is mine ( which I know they can not ), I want this collection account deleted from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ACT. The list of accounts below has violated my federal protected and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to investigate these accounts : XXXX  XXXX account number XXXXXXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, Dep of ED/XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX . account number XXXX, XXXX XXXX XXXX. account number XXXX, XXXX  XXXX XXXX  account number XXXX, XXXX  XXXX XXXX  account number XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX account number XXXX, Dpt OF EDXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX  account number XXXX, DPT edXXXX account number XXXX, Dpt edXXXX account number XXXX, XXXX account number XXXX, Dpt edXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX, Dpt ed/XXXX account number XXXX. However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

Over the past few years, I have attempted multiple times to dispute two charge off accounts off of my credit reports reporting to Experian. Both of these accounts are showing going to a XXXX XXXX XXXX XXXX. I have informed Experian multiple times that these accounts do not belong to me and should be removed from my credit report. The last time I disputed these two accounts was in XX/XX/XXXX. I have not gotten any type of change on my credit report for these fraudulent accounts being reported and every time they complete an investigation, they just send me an email stating the investigation came back as the information being accurate and never send me any information as to what information was provided to prove that the accounts are accurate and that the accounts belong to me. As to my recollection, Experian is supposed to provide information directly to me from the investigation as to what they were provided to prove that these accounts belong to me and they have never done so. The first time that I disputed these accounts with Experian was in XX/XX/XXXX. At that time. I was also given the same answer to the investigation, and no results or changes were made to my credit report
Product: Mortgage

I had reached out to Select Portfolio Servicing ( SPS ) regarding unpaid property taxes on a portfolio loan that is currently escrowed with them. 

Out of the XXXX properties only XXXX property ( XXXX XXXX XXXX XXXX ) is ever paid on time. XXXX properties ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ) are still not paid ( {$2300.00} & {$16.00} with penalty and {$2200.00} & {$15.00} without penalty respectively ). The other XXXX properties are paid current, however the penalty for those XXXX properties was billed from my account ( {$790.00} ). This is not the first time I have contacted SPS about this exact issue. 

I have so far contacted them XX/XX/2024, XX/XX/2024, and XX/XX/2024,
Product: Debt collection

On XX/XX/XXXX XXXX XXXX received and accepted through certified mail a dispute for the following accounts : ( XXXX XXXX XXXX  ACCOUNT # XXXX ), ( WORLD FINANCE CORPORATION XXXX XXXX ). XXXX did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, XXXX failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.
Product: Money transfer, virtual currency, or money service

I don't Made a autorizacin yo Transfer bitcoins ir My wallet un coinbase and gdax My email is XXXX i sent My conplain to many times but they nevera answerd 3 months ah they only tild me that it's un investigacin the weird thing is i nevera receive a confirmaron ir any transaccin they clised My account and i can't mor Open again
Product: Bank account or service

BB & T has overcharged my account {$290.00} this year. I have attached the transaction summary of my account from the BB & T website. I have indicated on it where they have overcharged my account. During XXXX there is an overdraft on XXXX/XXXX/16 and the account was not overdrawn. On XXXX XXXX charged my account and it was n't supposed to. When I complained to BB & T, they told me first to contact the company to see if they would reverse the charge. I did so and XXXX reversed the charges yet I was still charged an overdraft fee. Had the overdraft fee not been taken out on the XXXX for no reason my account would not have been overdraft on the XXXX for the XXXX mobile payment, which I was again charged an overdraft fee for. I should have accumulated 1 overdraft fee on XXXX for the XXXX purchase. This one incident overcharged my account {$150.00}. 
BB & T also keep charging my account a maintenance fee, even though the customer service rep told me when I signed up for an account, once my direct deposit started, it would NOT be charged a maintenance fee. So do to this debit, I again overdraft on this account. I was not charged an overdraft but do not understand why I am still being charged this fee when I have had direct deposit. 
I was charged a correct overdraft fee on XXXX and then in XXXX, I was charged {$8.00} each day even though my account was only overdraft 1 day not 7 days. So this occurrence overcharged my account {$24.00} During the month of XXXX I was charged {$72.00} for overdraft fees yet again my account was NOT overdrawn. I should have been charged 1 overdraft fee on XXXX for the XXXX debit. On this occurrence I was overcharged {$110.00} On XXXX I was charged an overdraft fee and my account was again NOT overdrawn. I should only have been charged an overdraft fee on XXXX for the speedway debit. On this occurrence I was overcharged {$36.00}. 
So in total I have been overcharged {$290.00} this year in overcharges. 
The response given by the BB & T representative did not address the issue over overcharges to my account. It appears all they did was copy and paste from a manual. 
So in total I have been overcharged {$290.00} this year in overcharges. 
Please address each occurrence separately. Thank You