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

On XX/XX/2022, I, the consumer entered into XXXX XXXX XXXX to purchase a XXXX XXXX XXXX on credit via my credit card ( 15 USC 1602 ( l ) ). I, the consumer initiated a credit application with XXXX XXXX, to purchase the XXXX. My consumer credit was ran by TOYOTA FINANCIAL SERVICES, in which they denied me, the consumer for an extension of credit. TOYOTA is in violation of the ECOA and TILA. Any adverse action taken against the consumer is unlawful. TILA states it is unauthorized use of a credit card when the cardholder receives no benefit. 15 USC 1691 makes is clear when it said " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. '' Consumer was discriminated against when TOYOTA financial services denied consumer the RIGHT to extend credit, when I, the consumer, acted in good faith exercised my rights. TILA defines credit as a right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I refinanced my student loan through XXXX and they paid the full amount on XX/XX/XXXX to XXXX  XXXX XXXX XXXX and XXXX XXXX. The amount that was paid was XXXX, XXXX. XXXX dollars and had two different overpayments, one of XXXX and second XXXX. For the past 4 months, I am trying to get the refund of my overpayment return but I been getting no help regarding the information. In XXXX and XXXX, I called twice a week but no help. In XXXX I was able to get in touch with the supervisor and asked for information and she stated she will get back to be in 48 hours and had her phone number, I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and left messages and no answer or return of my call. On XXXX I learn that supervisor no longer works there and no one listens to the message or were able to locate my XXXX dollars. On that date, I also spoke with a new supervisor who also stated that he will go through proper channels to get my over-payment returned in 48 hours. I called back on XXXX, no update.
Product: Debt collection

I received a call at XXXX EST on XX/XX/2019 from someone claiming to be from Comenity Bank . The man asked for an individual that does not have my phone number, and I have informed this company that my number is NOT the number for that individual several times. I have been called several times over the last few weeks, all by different numbers claiming to be from Comenity. Each time I have answered, I explicitly told the caller that my number is not the number for the person theyre trying to reach and to stop calling. Ive blocked the numbers but continue to get calls from new numbers. The caller on XX/XX/2019 was very aggressive, interrupted me constantly, and despite me having said, this is not a number for that person, please stop calling me, this man continued to harass me. He also vaguely threatened me by informing me that he knows my address. I want these disgusting calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from TRANSUNION dated, XX/XX/2021, stated We received the identity theft block request you recently sent to TRANSUNION. However, TRANSUNION at this time declines to block the information you have identified for one or more of the following reasons : a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) you have obtained possession of goods, services or money as a result of the transaction issue. So, I sent TRANSUNION a cover letter stating, If I received goods or services, please have a senior executive certify under the penalty of perjury I received goods or services as a result of these transaction pursuant to 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( c ), certified mail. I included an identity theft report, for the 3rd time, an affidavit of truth, two forms of ID, and a bank statement. TRANSUNION received all of this on XX/XX/2021, at XXXX XXXX  Eastern time. I will provide the documentary evidence as well. Today, XX/XX/2021, I checked the dispute results and TRANSUNION stated the item would remain because it has been verified. This is inaccurate because all of the accounts Ive listed are apart of identity theft. I never gave my consent to have any of this. Also, nothing under 15 U.S. Code 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirements of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority.
Product: Checking or savings account

i would like to make a complaint on Bank of America on XXXX charge come in from XXXX XXXX  cell phone and shouldnt until XX/XX/XXXX for XXXX dollars on XX/XX/XXXX were reverse back to account credit the. bank america let go thew and funds wasnt in it cause my account to over drawn and blocked out my account that i cant receive money again like complaint XX/XX/XXXX block card to account and same again need the change i had and to recive money from my daughter and no way to get it XXXX XXXX were blocked the transaction of {$39.00} and Accept XXXX XXXX XXXX go thew and over drawn my account and charge {$35.00} over draft fee now bank america sating it take more than 2 to 3 days what XXXX XXXX stated .and depend on my bank i recieved a email from XXXX XXXX saying it went thew to bank and bank saying 5 to 7 days and i need my account as of now access to my money and recieve money .and now i cant be help with inconvienece of account over drawn from charges to a account with less money in my account .and didnt block it like XXXXthats hurting me now no access to account from bank down fall.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generallf, 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- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

This is a follow-up to a complaint previously filed by me on  XXXX   XXXX ,  2017 . As background, I had not received a paper statement of my monthly bill and I was getting worried that they would send it too late for me to make the  XXXX   XXXX  payment on time. I did n't want to incur a late charge. I contacted customer service of  XXXX   XXXX  because that was  one  of the logos printed on a prior mortgage bill ) and  XXXX  told me that CMC Funding was servicing my loan and  XXXX  could not help me. I called  CMC Funding  and they pointed me to their website ( I never received a welcome package or information of what the website for online payments was ). But then I could n't seem to login. Finally, after working with the customer service person for an hour, I was able to access my online account and I paid my mortgage for  XXXX   2017 . Today I wanted to go online and check my escrow balance so I went to the CMC website. I clicked the top login button on the webpage and I was routed to a login page where I entered my information. But the webpage said that it did not recognize my account information so I called customer service back to report the online issue. When I spoke with the customer service representative, I was told to go back to the  CMC  website and click the login function on the BOTTOM of the webpage, as the login function on the TOP of the webpage routes to  XXXX  due to a website error. Both  XXXX  and CMC are subsidiaries of  XXXX  but they service different loans for the company. I find it concerning that CMC knows that there is a website functionality error on their website that is routing customers to the wrong loan servicing company and their current solution is to wait until customers call and direct them to use the bottom login. Before I 'd been told this information, I kept going to the top login function to try to access my account and on multiple occasions entered my social security number and other identifying information. It 's disconcerting to me that my information might have been sent to a loan servicing company that is n't associated with my mortgage on multiple occasions due to their website functionality problems. Moreover, CMC still has not addressed why I am no longer receiving paper statements. I ask that CFPB investigate   XXXX   and CMC to determine whether these companies are appropriately servicing loans and whether their negligence results in higher levels of loan defaults and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Auto has not updated my credit report to the credit bureaus since XX/XX/2020. They have my balance listed as {$9500.00} when my account balance as of XXXX XXXX is {$8700.00}. Also a late payment 30-59 days for the month of XXXX is listed on my report that i paid in XXXX. All these issues have resulted in a 140 point drop in my credit score which I need to be corrected.
Product: Mortgage

The current issue is with the NACA HAND / Rehab Dept. I have been attempting to communicate and to have final inspection of the house / rehab work conducted. HAND needs to disburse rehab funds, to the contractor, that are held in escrow as part of the loan / funding agreement with XXXX XXXX XXXX. Funds will be disbursed, once rehab work is inspected by a NACA assigned and certified inspector. The initial request for final inspection, was sent XX/XX/XXXX ; via fax, as instructed on the HAND docs. Follow-up email sent to HAND Rep on XXXX XXXX 2016 - To no answer. After multiple phone calls, voice mails, faxes, and emails to the NACA HAND Dept / assigned rep of the past couple of months, I have not been able to functionally converse with anyone ; to finish this process. I have been contacted by over XXXX HAND reps, and have been copied on XXXX requests to inspectors, to no outcome. This has been on-going for nearly 3 months ( 80+ days ) which is highly unacceptable. Most recent email requesting to communicate sent on XXXX/XXXX/16. 

The contractor has threatened to file suit against myself, and NACA. Which at this point would be honestly justified. In accordance I, the loan holder, will also file suit against NACA. The HAND department has shown an abundance of avoidance, and gross negligence, to properly conduct a functioning business ; with reasonable and ethical standards of practice. As a personal result to this ; from the avoidance to pay the debt owed to the contractor ; by NACA. I now fear my phone ringing, in fear that it is the contractor. And I have no answer to provide on payment. In short : NACA owes the contractor for work completed in the property I reside in, and I am reminded of that fact daily. I am not used to collection practices, nor have accounts that are late or in collections. And in whole, this process has been interfering with my time, and interfering with my work. As the only time to attempt to reach HAND is during my working hours. More often than not, to a phone that goes un-answered. I can not continue to step away to hope someone at NACA answers a phone, or to send another email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that XXXX XXXX, Southwest Recovery Services, XXXX XXXX, and XXXX XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$18000.00}, on the US DEPT ED partial account number XXXX. XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$42000.00} on the US DEPT ED partial account number XXXX. ( Please see pages attached from my credit report. ) These loans have been consolidated and I have been making on-time monthly payments to these accounts and the amounts being reported are inaccurate and the lates that are reporting are completely false. I have made ( 3 ) consecutive on-time monthly payments and therefore these accounts should not be reporting at all. I have attached a copy of the consolidation paperwork dated XXXX for reference. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

TCF is failing to report my banking information to a company that I use to access funds in a timely manner. The delay in providing information is creating a delay I need to access funds.
Product: Debt collection

I am writing to dispute fraudulent items on my credit report. The account listed on my credit profile is an account that I never agreed to nor do I owe such debt. I have never signed any documents, been lent any funds to owe such debt. I reported this to the Federal Trade Commission and also filed an Affidavit regarding this matter. This company Have violated my consumers rights by reporting all this inaccurate information on my credit report. Please be advised that this UNVERIFIED item remain on my credit report. I have yet to receive original documents pertaining to this information that this company is disclosing on my credit profile. I'm supposed to receive all Original documents pertaining to any debt that's being claim as a debt. I'm asking that this account gets deleted from my credit report. 

COMPANY : LJ ROSS & ASSOCIATES ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX AMOUNT CLAIMING TO OWE : {$3100.00} I Have never done or been lent any money from this company to owe such debt. I DEMAND THAT THIS ACCOUNT BE IMMEDIATELY REMOVED FROM MY CONSUMER FILE, IT IS HINDERING MY ABILITY TO GAIN ACCESS TO PRODUCTS AND IT'S GIVEN MY NAME A BAD IMAGE
Product: Credit reporting or other personal consumer reports

I have a XXXX  credit builder credit card and about 3 months ago i checked my credit report and it was reporting i have a late payment with XXXX  of the amount of {$40.00} thats impossible cause i havent used the card in 3-6 months prior and you have to deposit money from your checking account to the credit building so you use your own money so you can never owe. So i called XXXX  2 months ago and i was told by customer service that the account was closed and i owe nothing and it was mistake and it will be fixed the next credit reporting cycle i waited a month after to see if it was fixed and nothings was fixed so i called again and i was told that in their system the account is closed and and current nothing owed and they do not believe so email a screen shot of the account off XXXX XXXX i did and they put me on hold for 3 hours once they knew i wasnt going to hang up they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Debt collection

XXXX @ XXXX XXXX : Address, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, Account # XXXX : Alleged amount owed {$2000.00} XXXX financial : Address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX, Account # XXXX : Alleged amount owed {$300.00} XXXX : Address, XXXX XXXX XXXX XXXX, OR, XXXX Account # XXXX : Alleged amount owed {$0.00} XXXX XXXX : Address XXXX XXXX XXXX XXXX, MA XXXX Account : XXXX alleged amount owed {$0.00} XXXX XXXX : Address XXXX XXXX XXXX XXXX, MA XXXX XXXX Account XXXX XXXX Alleged amount owed {$120.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX Account # XXXX Alleged amount owed {$1100.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX  XXXX XXXX ALLEGED AMOUNT {$3.00}, XXXX The collections above has been reported as past due balances. I do not know these companies I have never done business with these companies these companies do not have a contract with my signature. I would need them to take this off my credit report and do not try to put it back on my credit report or I will sue them for violating my rights. 

15 Us code 1681i reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My last credit score that I got from XXXX was over XXXX points. I applied for a credit card with XXXX and have not been approved. I was also a victim of the Equifax data breach. XXXX directed me to enroll in trustedid to help with protecting my information. I have received three notifications from this Equifax subsidiary telling me I need to log in and take action on the pending alerts. I 've logged in MANY times and there is nothing else I can do on the website. I 've also called the number in the email and was not able to communicate with the representatives who answered the phone. They were not able to find my account. I do n't know what else to do. There is no reason I should not have been approved for a credit card. My goal was to use the new credit card to transfer a balance so i would not pay interests. Equifax is preventing me from doing that and causing me to pay interest that I otherwise would n't.
Product: Debt collection

I received a threatening call from a guy who would not identify who he was that stated I owed XXXX over 700.00 and that he had a judgement against me. I do not nor have I ever to my knowledge owed this debt, if I did it would have been more than 11 years ago. I have an account with XXXX currently that has been in good standing for over 7 years. He would not let me talk, he had my date of birth, an address I lived at 10 years ago and the last 4 of my social security number. When I told him I do not owe this he started screaming at me that if I did not pay them today that they would garnish my wages and take me to court. He was very threatening, rude and hostile. When I told him they are a scam he hung up on me. I am very concerned that he has my dob and social. 
I called back and asked what the company name was and was told it is Miller, Stark, Klein & Associates. The girl then asked me if I had an account with them and when I said no she hung up on me. The phone number they are calling from is XXXX
Product: Debt collection

On XX/XX/XXXX I sent a letter requesting to have debt information sent to me. On XX/XX/XXXX I received a typed up letter from Capio Partners of Statement of Account along with a statement stating NOT A BILL with a service date and description. 

A second letter on XX/XX/XXXX requesting to validate debt which was not done in initial letter. I have not received a response as of XX/XX/XXXX. I am requesting to have this debt removed.
Product: Credit reporting or other personal consumer reports

I was horrified to discover inaccurate accounts on my credit report today, and I have no idea how they got there. Im used to reviewing my credit report, and out of nowhere, these errors popped up. I thought maybe it was a browser glitch, but refreshing did nothing. I really need the documents I sent to be reviewed properly, so this nightmare can finally end.
Product: Mortgage

My mortgage was sold to Mr Cooper ( XXXX ) and the lender has purchased property insurance on the property despite the fact that I have insurance on the property. I have provided them with the insurance documents, which they have confirmed receipt of, yet they have not removed the insurance they purchased on my behalf. I have called repeatedly over the past 4 months, each time being told that they have the proof of insurance on the mortgaged property. Last month I was told that within 5 days they would reimburse ( remove from escrow ) the insurance they purchased on my behalf but it did not happen. I called again today and went through the whole process with them again. I have no confidence that they will reimburse me the money. I dont know if its just incompetence or a fraudulent practice. Ive had one issue after another the this mortgage lender Mr CooperXXXX.