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

Collection Removal Statement I am writing to file a formal complaint regarding a collection account that has been improperly reported on my credit report by TOYOTA MOTOR CREDIT CORPORATION without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 1. 
TOYOTA MOTOR CREDIT CORPORATION has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.

Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
TOYOTA MOTOR CREDIT CORPORATION is flagrantly disregarding consumer protection statutes. I did not receive any notice from TOYOTA MOTOR CREDIT CORPORATION providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. 
I kindly request that the CFPB investigate this matter, as I believe this collection was reported without following the proper legal procedures. 
Additionally, I request that TOYOTA MOTOR CREDIT CORPORATION remove this account from my credit report and cease all collection efforts immediately. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Theres a debt trying to be collected in which I have never worked or did business with the company but they are some how reporting I owe money I do not have a contract with them so there for it need to be removed from my credit report for inaccuracy.
Product: Debt collection

Portfolio Recovery allegedly bought my credit card debt in XXXX of XXXX, but failed to send me a debt validation notice. My address has been the same since XXXX, XXXX years prior to opening the original account with XXXXXXXX XXXX XXXX in XXXX. In my opinion, Portfolio Recovery should have my mailing address if they are the legal debt buyer. I have never received a single written notice from Portfolio Recovery regarding the debt they claim to have bought and posted onto all three credit bureaus. I only became aware of this new account through a credit monitoring service. Credit report shows the original debt holder charged off this debt in XXXX of XXXX. In addition, Portfolio Recovery continued to harass me by phone daily through the month of XXXX, XXXX when this account was under dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

During XXXX, USBANK had a double cash-back promotion with their cash-back deals, when all the purchases made during the promotion period should received double cash-back. 

I made a purchase at XXXX on XX/XX/year> for a total amount of {$110.00}, and I have received the order confirmation from XXXX and transcaction notice from USBANK on the same day. However, I did not receive the advertised extra double cash-back. 

I contacted USBANK customer service, however, the customer service representative XXXX claimed that the transaction date was XX/XX/year>, outside of the promotion period. She was not willing to provide any explaination why the transcation date was different nor review my record on when the purchase was made, and when I received the transcation notice from USBANK, which I think should prove my purchase was eligible for double cash-back.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose. 

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do SW. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
XXXX :XX/XX/XXXX NSS : XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX not mine address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my names XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has old information ( Old Addresses etc ). it is not showing a debt from XXXX as paid. 
15 USC 1692 ( A ), ( B ).

I am disputing the presentment because of violations against Federal and State Laws.

HJR 192 UCC 3-311 UCC 3-104 UCC 3-306 UCC 1-308 ( Without Recourse )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
FRD MOTOR CR XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account for the past 7 years and have never missed a payment. I am XXXX years old and have to be ultra careful. During that period of time I notified US bank of the corona virus and there had to have been some reason why they did not do anything to answer my letter explaining my situation. Never heard back from them!!!!! 

In addition, my current address is not correct. It should be : XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX  XXXX. The address on file is absent the XXXX ... ... ... ... ... ... 

My understanding was there policy during the CV that they will take into consideration the period of time in the early months of this year ... ... ... ... ... ... ... ... .. 

I am asking them to eliminate the late fee 's and to remove the late payments from my credit report
Product: Credit reporting or other personal consumer reports

I have disputed accounts and continuesly comes back as verified without any reason for it being verified. No due diligence has been done and no updates to my credit report. 
I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681o, credit reporting agencies and furnishers of information are liable for negligent noncompliance. The following item ( s ) on my report are inaccurate and must be corrected immediately :
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated names ; XXXX XXXX XXXX and XXXX XXXX XXXX ; Addresses ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are listed under my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Product: Student loan

Hi! 
I think I was scammed. 

I got a call from a company who said they work for department of education and do student loan forgiveness XXXX XXXX XXXX XXXX XXXX XXXX Direct Account Management company. 

They signed me up for a plan. 
Took my SSN. Credit card number information. 

I found out this was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the account in full before XX/XX/2019. The credit reports shows I owe them. This is NOT the first time. It has happened every time with this credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by the XXXX  of Equifax response to my complaint regarding their FCRA violation regarding refusing to remove Bankruptcy that is unable to be properly verified. They continue to state they verify through third party. However, I have uploaded and sent them letters from the Courthouse and Pacer stating that neither report to third parties or to the credit bureaus. Each entity also stated they do not verify the information. 
Therefore, if neither entity verified the supposed bankruptcy and neither report supposed bankruptcy to third parties or to credit bureaus Equifax is in direct violation of FCRA and my consumer rights. I have subsequently filed an FTC report against Equifax regarding this issue.
Product: Debt collection

Ok so I moved to the US to study in XX/XX/XXXX. By XX/XX/XXXX I got my first apartment and I hired XXXX XXXX XXXX to give me internet services. Since at the time I was on a student visa, I didn't have a Social Security number so I opened that account just with my personal info and passport number. 

I left that apartment by XX/XX/XXXX and I called XXXX XXXX XXXX to cancel my account. Since I was using my own modem and router, they didn't even have to come to the apartment to pick up their equipment, they just cancelled my account through the phone. And obviously, I paid the remaining balance in FULL ( for which I have a credit card statement that proves so ). 

Therefore, it is completely out of proportion, and mistaken that I have a negative remark on my credit report because of this Debt collection. It is not only inaccurate, it is messed up to harm me score and credit in this way. I feel terribly wronged and I want to get to the last resort to make this stop and change.
Product: Credit reporting or other personal consumer reports

A recurring charge of {$9.00}. Can't log on to website and cancel subscription and can't cancel over phone.
Product: Checking or savings account

Chime issued an email XX/XX/XXXX stating that they would close my account XX/XX/XXXX. I have repeatedly been a victim of theft. The bank REFUSED to close my account and issue a new one with new account and routing numbers. As a result, I continued to see unauthorized XXXX debits. Each time, I filed a dispute and Chime approved the dispute siding with me. On XX/XX/XXXX, Chime issued an email stating my account had been closed. I had no access to the {$11000.00} remaining in the account. They stated a refund check would be issued within 30 days of closure. XX/XX/XXXX I received notification that Chime wanted to reverify deposits made to the account to reopen it. I provided the proof they requested ( ID, bank statements ) They responded stating the account would remain closed and no refund will be issued. They referred me to their deposit agreement for any questions. They are refuses to refund my balance in the account at this time and customer service will not transfer me to any higher tier to attempt to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.
Product: Credit card

Take a look at the documents provided. I request the bureau to investigate the accounts reporting me as late, despite my consistent punctuality.
Product: Bank account or service

On XXXX XXXX, 2016 I noticed an un-authorized withdrawal from my business account with Bank of America. The payment was made to XXXX for the amount of {$1100.00} dollars. I notified Bank of America immediately and was issued a temporary credit to my account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I saw another charge paid for the same amount mentioned above for {$1100.00} dollars. I do n't know why Bank of America did not conduct an investigation and protect my account against this fraud after my initial complaint. This unauthorized payment resulted in an overdraft and fees. I did not sign a contract with XXXX, nor did I engage in any self-service activity with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is it that hard for the Credit Bureaus to remove the disputed Items from my Credit File? I have been sending letters to the Credit Bureaus to requesting the removal of the inaccurate personal information and Fraudulent account from my Credit Report. But despite all my extended effort to have the Credit Bureaus respond to my letters, I came to a realization that the Credit Bureaus have been ignoring my letters as well did not comply with the Fair Credit reporting Act section 605b. The Credit Bureaus continued reporting the disputed items on my Credit report without proper verification. The following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$9400.00}, are items incurred due to identity theft and must be removed from my Credit Report. If the Credit Bureaus claim that the Items belong to me, I will need the Credit Bureaus to provide me with copies of documentation which bears my signature to support the Credit Bureaus ' claim. If the Credit Bureaus can not provide me with documents I am looking for, I would greatly appreciate it if the Credit Bureaus would immediately remove these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to correct my Credit File, the disputed accounts and information continue to be reported, which has been disappointing. I have sent dispute letters and ID theft reports to the Credit Bureaus, and I have also submitted CFPB complaints, but these have been ignored. The Credit Bureaus ' failure to comply with the Fair Credit Reporting Act section 605b is a violation of my rights as a consumer. They claim the disputed information is verified, but they have not provided me with proof. I am informing the Credit Bureaus that I will be working with legal counsel to file a lawsuit if the disputed accounts and information are not removed within the time frame allowed by law. I want to avoid any trouble, and I kindly request that the following items be removed from my Credit File. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$65000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There were  XXXX  fraudulent charges made to my  Barclay  credit card ( through  XXXX   XXXX   ).   XXXX  were for  XXXX   XXXX  for  XXXX  on  XXXX / XXXX / 2017 . The next day  XXXX  there were  XXXX   XXXX  charg es (  for  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   for  XXXX . I called to tell them I did not make these charges, they were removed and marked as fraud and I had to get a new credit card. Received the new card the next aday and thought problem was fixed but when I went to check my account on  XXXX  the charges that they had removed earlier had been put back to my card. I need these charges totalling {$530.00} taken off my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, account XXXX 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
Product: Payday loan, title loan, or personal loan

I, The NATURAL LIVING MAN and THE ORIGINAL CREDITOR, have extended my open ended consumer credit to Upstart Network , Inc. to have it extended back to THE CONSUMER, myself, using an open ended consumer credit plan Under the Corporation of the United States of America, securely bonded in Surety and trust within my Certificate of Live Birth. Upstart Network , Inc. is a non-living and non-breathing entity and they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent credit sale. They have falsified statements, documents and furnished consumer reports stating that their corporation is a " creditor, yet by law have no right to the extension of living credit to offer the living consumer, myself. The lender in any loan transaction in the United States NEVER lends anything of reasonably equal value to the borrower and any contract formed is defective for false advertising, semantic deceit, non-disclosure, and lack of equitable consideration. Upstart Network , Inc., by Federal law, is also a debt collector and they collected fraudulent and nonexistent alleged debt. FDCPA and TILA does not specify OR define the term borrower or loan, therefore this notion of debt can not be validated in truth even in the highest federal court. Understand, when an organization initiates a credit sale in a person 's commercial name using their open-ended consumer credit plan, then creates and furnishes a deceptive form to make a credit sale appear valid, this is in fact identity fraud and theft. They have willfully intended to deceive the original creditor, myself, into a fraudulent contract during a credit sale of a consumer credit transaction. I know who I am, and I am invoking my specified remedy as the original creditor and consumer in this consumer credit transaction. If they continue to attempt to collect this alleged debt, which was constructed willfully in fraudulence and identity theft, I shall be forced to pursue federal litigation with the presentation of facts and exhibits to support my stance. It is impossible to pay on a positively reflected balance debt or charge. They have misled the consumer, myself, when in fact the alleged debt balance shows it has already been accounted for. Upstart Network , Inc. has received my correspondence and supporting documents via U.S. mail on XXXX XXXX, 2021.