23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my truck to a dealership and the dealership paid my lender, Toyota Financial, in full. Toyota Financial sent the release of lien to the dealership weeks ago. Toyota continues to report the vehicle to my credit report. I sold the car in XXXX. In XXXX, Toyota report it 30 days late. Last week, at the end of XXXX, Toyota reported it 60 days late. AFTER it has already received a full payoff and released their lien. I was never late on this payment once. Attached is my proof of vehicle sale in XXXX.
Product: Credit reporting or other personal consumer reports

In early XXXX, I contacted XXXX to enroll in a hardship program after losing my job. I wanted to be proactive and enter the program before becoming 30 days past due. I was informed that I would be enrolled in a program with a monthly payment of {$410.00}. However, I never received a confirmation letter. 

I called back within a week to report this issue and made the agreed-upon payment despite not receiving the letter. The new agent I spoke with confirmed that I was supposed to be enrolled but noted that the previous agent had failed to send the necessary email to the back-end team. She apologized, consulted her supervisor, and enrolled me in what she described as a better program, ensuring me that nothing would be delinquent. 

Despite these assurances, I received a notification today that my account is 30 days past due on my credit report. This is unacceptable, as my account should never have been reported delinquent due to XXXXXXXX XXXX errors. I called XXXX and spoke to four different representatives, but none were helpful. My account needs to be corrected and re-aged immediately, as this issue is not my fault.
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX XXXX XXXX ( ACCOUNT XXXX )
Product: Debt collection

Voss and Klein, on behalf of XXXX XXXX XXXX XXXX, is reporting an astronomical amount of debt on my credit report that they are constantly increasing by almost {$100.00} every couple weeks without sending me anything at all in regards to this debt. A man named XXXX reached out to me in 2018 and at that time the amount he wanted me to pay was already more than double what I owed to the hospital. I questioned the amount, asked for explanations from their company, and asked for confirmation of the specific amount the hospital was saying I owed as I was willing to work out something to pay what I actually owed, and he was incredibly rude and aggressive. He was unwilling to work with me would not accept a payment for the amount owed, and made threats about ruining my credit. I did not speak with him or anyone in the company again because I felt very uncomfortable talking to them. Since then, I've received nothing from the company in regards to this debt and they just continue to increase the amount. My last statement from the hospital was that I had owed them {$1700.00} and the collection agency is reporting that I owe almost {$10000.00}
Product: Credit card

I am writing to you out of frustration with an unresolved issue that I have been trying to address for over four hours across four separate calls to Capital Ones customer service, messages through XXXX and emails to corporate. The issue pertains to a reservation I made ( Confirmation : XXXX ) that I have been attempting to cancel without success. 

When I try to cancel the reservation online, I am met with error messages. Each time I contact customer service, I receive conflicting or inaccurate information. For example, I was once told that my reservation had been cancelled and my miles converted to cash, but when I checked, none of this had actually been done. Yesterday, a representative assured me that the reservation was cancelled, yet it still remains active. 

I have spent an unreasonable amount of time trying to resolve this simple issue, and I can no longer afford to devote more hours to something that should have been easily handled. I am extremely frustrated with the lack of clarity and follow-through in resolving my issue. 

I kindly request your assistance in having this matter handled promptly, as I need the reservation cancelled and any applicable miles returned to my account. Corporate stated those miles were returned on XX/XX/XXXX. That information is incorrect. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Checking or savings account

Capital one hasnt deposited my check for over XXXX. Keeps telling everyone theyll have it by end of day yesterday, moved that goal post to today, XX/XX/25 and still nothing at XXXX XXXX. Its a XXXX day weekend and I might not get paid until Tuesday! Bills will be due, and Im going to be without money for food. Their response to this problem is completely unacceptable. The excuse of a power outage being the problem is also not acceptable. A system as large and theirs should have redundancies to prevent this and they clearly dont.
Product: Credit reporting or other personal consumer reports

In accordance with the principles delineated in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I invoke the XXXX XXXX XXXXXXXX XXXX XXXX  to assert that the absence of provided evidence regarding the purported student loan absolves me from any obligation thereof. Under this doctrine, the failure to furnish substantiation leads to the presumption of nonexistence of the asserted debt. Hence, I maintain that the alleged debt holds no factual basis due to the absence of supporting proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1692c -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681 Section 602 A. states I have the right to priavcy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not without my written instructions
Product: Credit reporting or other personal consumer reports

I have been communicating XXXX regarding my loan prior to XX/XX/XXXX XXXX XXXX, XXXX. A representative disclosed to me today that my loan account was charged off on XX/XX/XXXX due to 3 months of non payment. The representative XXXX told me that my loan has been charged off since XX/XX/XXXX because 3 months starting XXXX XXXX XX/XX/XXXX they received no payments from my employer which is inaccurate. The reporting of this account is inaccurate and violates my consumer rights to fair accurate reporting under FCRA LAW. It also goes against the Fair Credit Billing Act I have made payments consistently through financial allotments from my employer and I have questioned XXXX several times regarding the accuracy of my account balance and reporting of my account. I have tried to resolve this issue with XXXX diplomatically and yesterday XX/XX/XXXX a representative from your office has brought it to my attention that funds of over {$2700.00} were in the bank and I needed to contact XXXX to release the funds to XXXX. He texted me the number to call XXXX and they wired over the sum of {$2700.00} to XXXX XX/XX/XXXX. I was never told that my account was charged off or late during this time as well. I was told that my account was current and they did not report me as late to the credit bureaus. I was never notified in writing or via email or even verbally that my account was delinquent and now my I am being told that it has been over a year and my account was charged off in XXXX but never reported as such. Not only has XXXX been stealing my money they received a transfer from the bank yesterday XX/XX/XXXX is the sum of {$2.00}, XXXX that the bank has been collecting for the allotments. This is not being reported to me or the credit bureaus as well. I was told that my account is eligible for a refinance of {$10000.00} after XXXX more payment is made yesterday when I spoke to a representative. There is clearly a communication issue with XXXX as well as unlawful conduct fraudulent practices and billing misconduct by XXXX and the staff in their office. The account has been reporting as current even after the alleged charge off date of XX/XX/XXXX. I have attached the reporting scale below.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Attn : Customer Relations Department Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1
5 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY UPSTA/FINWSE Account Number : XXXX Update to Open/Never late 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 

15 U.S. Code 1681e - Compliance procedures XXXX Account XXXX : XXXX Delete from my credit report. 

15 U.S. Code 1681e - Compliance procedures Account Number : XXXX Delete from my credit report. 


I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the provisions outlined in the Fair Credit Reporting Act, I am composing this communication to formally request an immediate investigation and rectification of an account that appears to contain inaccuracies and incompleteness within my credit file, as follows : EXPERIAN : XXXX/XXXX  Date opened : XX/XX/2007 XXXX Balance : {$200.00}. Furthermore, I hereby request thorough verification of the aforementioned account. Should you be unable to substantiate the accuracy of the provided account information to the fullest extent, I implore you to promptly rectify and update it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : 623 15 U.S.C. 1681s-2 Violations To Whom It May Concern : Please be advised this is the fourth time I have contacted your company, and you have still failed to delete the disputed account ( s ) your company could not verify. Based on the fact that your company ignored my numerous requests to provide documentary proof that you have in your files, that you used to verify the disputed account ( s ), which means that you have not verified or you can not verify any of these accounts. You failed to identify the name of a responsible person in your company who verified the accuracy of these accounts. Besides, you have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor have you removed anything found inaccurate. The following item to be errors, or are deficient of proof of not being untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or else wise not compliant to include to metro 2 reporting standards. 

Here as follows are items in potential error requiring immediate annulment of the retainment and or reporting. 
Account : XXXX XXXX | Account Number : XXXX | Charge off Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Past Balance : {XXXX} See the attached for full complaint.
Product: Debt collection

THE COLECCTION COMPANY XXXX XXXX XXXX is reporting misinformation to the credit bureaus, THE ACCOUNTS ARE XXXX FOR THE AMOUNT OF {$1500.00} AND ANOTHER WITH THE SAME ACCOUNT NUMBER AND DIFFERENT AMOUNT THIS IS XXXX.
Product: Credit reporting or other personal consumer reports

The credit reports that I have seen, all have different credit scores. XXXX has items on my report that should not be on there or been on my report for years. I received a letter saying my information has been sold to a XXXX  party. They told me it would be an investigation but as you can see that didnt happen. To be honest I dont think they investigated anything. I feel like they dont send out all the information and the accounts that got deleted were added back. I also paid Lexington law firm to fix my credit about XXXX  years ago, nothing was accomplish
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an estimate and paid for a new HVAC system. {$3500.00} went on an established credit card, and {$10000.00} was financed through Synchrony. I have been watching to see when the charge would show up on the new Synchrony account, and to see when my due date would be. 
Today, I went in and saw {$10000.00} PLUS a {$29.00} " activation fee '' that I was never told about. I spent time on chat as well as the phone with Synchrony agents, and when I finished my calls with them, not only was the {$29.00} NOT taken off - MORE WAS ADDED ON. ( I have attached before and after account summaries. ) The HVAC account with Synchrony is through XXXX XXXX??? I have no idea who that is- we don't have a " XXXX XXXX in nor around my city. Also, when signing the tablet from XXXX ( the HVAC installer ) I was told my interest rate would be 7 %, BUT on the literature I got with the " Home Improvement '' credit card Synchrony sent me it said 26.99 %. I mentioned this to the XXXX Sales Rep, and he told me not to worry, XXXX would send me the complete sales contract once the system was installed. The system is installed, and I have yet to receive anything from XXXX. 
I understand this complaint is just about the extra fees attached to the credit card, but misrepresentation about the interest rate appears to have happened as well. I have attached 3 pdf ( s ) in total. The interest rate enclosure from Synchrony as well as the " before '' my call to Synchrony, and " after '' my call to Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company by the name of Elan Financial Services did a hard inquiry my XXXX credit report without my knowledge so I assume Fraud or Identity theft may be involved
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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 The following inquiries were not and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I received dispute results from Experian, XXXX # XXXX stating that my XXXX XXXX XXXX bankruptcy, case # XXXX dismal had been verified as accurate through the federal bankruptcy court and a third party data provider known as XXXX. They have stated that is has been verified with XXXX, but XXXX no longer houses this information or has it in their system. This has been a blatant lie and a misuse of the entire credit reporting system. I have disputed this item several times over the last three years and they keep coming back with the same obvious lie every time. I have supporting documentation and evidence that supports the truth of the matter. The other two credit bureaus have removed this XXXX bankruptcy because they knew it was fraudulent and it did not legally belong on my credit report. I asked that this is be removed ASAP to avoid any legal repercussions and further legal actions. Attached is all my proof and documentation that supports my irrefutable claim. Thank you for your time.
Product: Student loan

I received a bill last week from Mohela. I made a payment on XX/XX/2023 for XXXX. On XXXX I went to my account and it said that there are no payments due from XXXX to XXXX because I am in forbearance while they update my account. I called today XX/XX/2023 to get a refund. They confirmed I am in forbearance until after XXXX but they told me it takes XXXX  days to get a refund. I told her I dont understand how it will take XXXX  months to get a refund and her reply was we are behind and that's the process. She put the request through and we hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 to 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my credit report with Experian regarding a XXXX Department Store account. Due to medical expenses in XXXX I had debt that I could not pay. It has been 7 years and all the bank credit card debt is no longer on my credit report. XXXX has reported a debt of just over {$200.00} to both XXXX  and to Experian. In XX/XX/XXXX I phoned XXXX to close this account which I never used again. XXXX has reported that my last payment was XXXX XXXX but they waited to report this account as closed until XX/XX/XXXX therefore it is still a debt on my credit report. Apparently XXXX took no action at the time I closed the account to actually report it as closed, which is not in line with their stated policy to close an account after 60 days of delinquency. As I said they did not report it as closed until XX/XX/XXXX therefore it still shows up on my credit report. I have disputed this with Experian and Transunion. The Experian " investigation '' of disputes is automated and XXXX continues to just say the account was closed in XXXX without providing any evidence about anything involved my activities with the account after XXXX XXXX. The only response I got from XXXX was a form letter asking me for my address - which I had already given them on my first letter! They also asked me for the account no. which I had already given them in my first letter to the best of my ability ( their rep., who could easily find the account, refused to give me the complete no. over the phone - yet they ask me for it! ). Since I closed this account and never used it again after XXXX XXXX, which XXXX agrees with, they should correct the mistake of reporting a closed date in XXXX with XXXX and Experian. If they continue to claim otherwise they shold be required to document evidence supporting their actions. Their irresponsible negligence is holding up my ability to re-establish credit and I have a right to do that after seven years.
Product: Money transfer, virtual currency, or money service

I sent money to my wallet in CashApp and forwarded to an individual claiming to own a property for rent. When I arrived at the property, he said there was complications with the rental and said he would be refunding me my money. I requested a refund from the individual through the mobile CashApp but he declined it. I can not continue to request it through the app because now it is locked in the declined status. I would like to know what type of background information CashApp has on these scammers. I know if they have a XXXX  and banking information. I tried filing a dispute, but CashApp has no where on their website/app to do this. There is also no live assistance in this area. I tried to file a dispute with my bank to try to get the funds back, but because I put them in my own CashApp wallet to send to this loser, I doubt they will be able to do anything about it. Ruined my week, my vacation, my financial situation. Since the transaction was through CashApp they would have additional information for the recipient and I would like them to at least assist in rectifying it, or provide some sort of additional security measures for those that access their application. I will definitely never be using it again.
Product: Bank account or service

Chase authorized an XXXX payment on XXXX/XXXX/16 for {$120.00} as a debit card transaction and there was sufficient dollars in my account at that time. I have the text to prove this. I then had my XXXX check # XXXX for {$370.00} clear overnight on Monday XXXX/XXXX/16, so the XXXX charge hit my account officially on Monday XXXX/XXXX/16 and Chase charged me a fee. It 's my understanding that if a debit card transaction is approved there will be no OD fee associated with it. The XXXX charge was put through as a recurring charge, by Chase. We had Chase and XXXX on the phone at the same time and Chase miscoded the charge and charged me a fee of {$34.00}. I want the fee reversed! I should not have been charged this fee and this was not a recurring charge. Chase is fraudulently charging me an OD fee. I currently have a XXXX charge pending, which was again authorized before the check cleared and they are not charging me a fee for this. Why? Because it was authorized before the check came through, so why is the XXXX transaction being charged a fee. Because Chase is being fraudulent!