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

I leased a new XXXX XXXX XXXX ( XXXX ) from XXXX XXXXXXXX XXXX XXXX NY . I ended the lease early and traded it into XXXX XXXX on XX/XX/XXXX ( as indicated on the signed odometer statement from XXXX ). 

Before trading in the XXXX, I made sure all my obligations were met. Such as : - Under the allotted milage by the lease. 
- I did lose a key so I went to a Toyota dealership and paid to get a new key and have it programmed to trade in with the car. 
- From that same dealership I got the lease turn-in packet. I checked the car all around for dents and scratches. There were none that were over the threshold listed by Toyota. I also checked all 4 tires, they were within the guidelines as well. 
- Contacted Toyota 3 times for a final payoff. This included myself calling, the new car salesmen calling from XXXX, and the General Manager of XXXX. All on separate calls, all verifying the same amount which XXXX did pay ( if you need proof of this I would be happy to go to XXXX and get a signed statement ). 

I then do not hear anything for over a year, when my credit is hit by over XXXX points for a repossession. I call Toyota for months and can never get a straight answer. I am just told to pay them {$2200.00}. 

I finally get a hold of somebody after calling every day, asking to speak to a manager on every call that helps explain what the charges are actually for ( still to this date they have not been able to explain the charges ). This rep explains that the car was indeed repossessed however it was repossessed from Toyota 's corporate lot. They repossessed the vehicle from themselves. The rep ends the call stating they see the issues and they will take care of it. So I leave the conversation thinking everything will be solved. Months later still nothing. I start calling back again daily, but nobody can find that call and they all say ( including managers ) I owe them {$2200.00}. 

At this point my credit has started to slowly come back from this but I do want this resolved so I hired an attorney. He sent a letter to Toyota stating all these facts. It takes Toyota over a year to respond. That response is, have your client pay {$2200.00}. 

We send a response back and again wait years for anything. Just the other day I get a letter from Toyota to my attorney stating : " dear sir/madam : We have filed a notice of voluntary discontinuance or satisfaction of judgment on your client 's behalf A COPY OF THIS NOTICE OR SATISFACTION IS ENCLOSED '' My thought is after 7 years of them destroying my credit and running so much in my life this is over... but I was wrong. They just hit me with a judgment for that same {$2200.00}. 

I can not express how much I want Toyota to pay for their mistakes they have made me pay more for things for almost a decade of my life because of their mistakes and they should pay for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old National Bank called me a couple of weeks ago to ask me to make a payment. I explained that I had never applied for a loan there, and that all three of my credit reports have been frozen for several years, so no one should be able to establish any new credit in my name without my knowing about it, so I assumed that the call was fake. 
Then, on Thursday XX/XX/2022 I received a Past Due Notice from the same company -- Old National Bank ( XXXX XXXX XXXX XXXX, IN XXXX ) -- that showed a principal balance of {$22000.00} that had become past due on XX/XX/2022. I checked my credit reports online immediately, and it appears that the loan was taken out on XX/XX/2022. I believe this loan was done fraudulently without my knowledge. I have no idea how this company was able to create a loan in my name when I have freezes in place with all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a loan modification process that took this company 1 year and a 1/2 to  resolved when they finally came through saying I was approved for the loan modification they informed me on a telephone call that I've made to them on XX/XX/XXXX, however they stated the loan modification was approved back on XX/XX/XXXX, I did not received any notices on the mail or phone calls or perhaps an e-mail stating this was already approved not to mention a placed phone calls to this company at least twice a month to check the status of the loan modification every month since the process started, I did not know where the payments I was making ( every month ) where going to and that's why the phone calls on my part took place, they just kept saying to keep making the trial payments and they'll informed me when it was approved!! so it was very shocking to me to find out the way I found out since I was making calls every month and since it was back from XX/XX/XXXX to XX/XX/XXXX, then this company told me the same day this happened ... " by the way you are behind a month '' even tough I was making ( trial payments every month ) when I asked the representative she told me that she did not know how this could of happened but she said I am going to help you she replied then she said to make payments with a little extra money for 3 months and the " late payment '' was not going to take effect on my credit since it was a mistake on their part. Well to my surprise they have been reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX being 30 days late, not " XX/XX/XXXX '' wonder why? and also reporting XX/XX/XXXX and being late 180 days, this has created a serious issue with my credit report and score and I want this company to be fair and removed what they did wrong in the first place I've send them dispute letters and there is no response, I asked for copies of signed documents for the modification and a copy of the approval letter of the modification with dates so I know when it was sent to my residence which has been the same for the last 5 years and it is the same house I'm paying the mortgage with this company and they failed to do so, when I call they send me to a loss mitigation dept which never answers and they have not been able to provide me with the modification documents I need to make a case against this company with my lawyer probably because they don't even have them I want to remove all late payments from my credit history with all credit bureaus ( Equifax, XXXX and XXXX ) companies like this should not be able to get away with destroying peoples financial lifes because of their inability to do their job correctly and fairly ... I want my financial life back.
Product: Debt collection

Consumer Protection / Fair Debt Collection Practices Violations. 



Attachments area
Product: Credit card

I noticed a Capital One credit card on my credit profile with a balance of {$810.00} with the following account # : XXXX. This credit card does not belong to me and I have never used or have this credit card in position. I have frozen my credit profiles and requested a fraud alert to prevent any potential misuse of my information from reoccurring. I recently was involved in a legal separation proceeding and became aware of some misuse of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation for not reporting 100 % accurate. Its reporting that the bankruptcy court as the furnisher and thats false, inaccurate, forgery and misleading when the courts dont report this type of account to the credit bureaus. I called and I attached my letter from the courts and it states that they dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that.Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. TRANSUNION IS BREAKING THE LAW AND COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). According to 15 U.S. Code 1681s2 this is my 4th dispute and the furnisher which is the Bankruptcy court never reached out to me because clearly, they dont report it and I called to dispute it with them and they say its nothing to dispute because they dont deal with the credit reporting agencies. So you continue with all those lies you guys continue to tell so how can you say something is accurate when you cant directly communicate with the source which is the Bankruptcy Courts.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to strongly contest the recent rejection of my identity theft claims and to assert that, according to the legal procedures and requirements, these claims should not be invalidated. 

Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. 

In particular, I have : Submitted an identity theft report with the Federal Trade Commission ( FTC ). Placed a fraud alert on my credit reports in compliance with the recommendations of the FTC. These actions were taken in full accordance with the law to protect my rights as a victim of identity theft. 

It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. 

I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. 

These are the accounts that was a result of ID-Theft : XXXXXXXX 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 XXXXE XXXX.
Product: Debt collection

I disputed this account with this company and received some stuff which provides me no evidence of when the date of last activity was. This XXXX account is very old and past the statute and this company has re aged the account because they purchased it which is violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Vehicle loan or lease

Toyota Motor Credit repossessed my XXXX XXXX XXXX XX/XX/XXXX with 8 payments left on the loan after entering into default. The vehicle was then sold to and now owned by XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Texas XXXX. Toyota has reported a written off balance of {$5800.00} which is unlawful and untrue. I owe Toyota Motor Credit absolutely no monies regarding this vehicle. Toyota Motor Credit has recovered all monies owed. I have spoken with the new owner and have discussed the transaction regarding the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention in my file : 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: Credit reporting or other personal consumer reports

On going issue with all 3 credit reporting agencies I feel discriminated upon targeted to stay stagnated. I have reported and frozen and alerted my credit XXXX  of fraud and XXXX even breached my information. I have a supposed credit monitoring added to help but nothing has helped or been done I have disputed my soft inquiries and hard and most remain I mean one company is reported on my soft inquiries at the least 25 times to keep my score down. I have already explained that after my no which is also reported wrong it states I claimed no because of business failure which is incorrect and they know this and still report it. An account which was prepaid and never late is being reported as negative and I have reported this for years and still there and disputed the inconsistencies of wrong amounts reported negative and still reporting. I want a federal investigation as to how I and am sure many others are being oppressed by these reports and misinformation I would like it removed and rescored immediate action taken I only keep receiving letters for me to verify my information when I have asked them to verify with each company to provide the proof given to them to be able to even run my credit when I know no identity information proof was given because I havent applied for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my report I am not Familiar with
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a accountwithout my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX & XXXX XXXX, XXXX XXXX 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 Delete the late payments please immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Exxon/ Mobil credit card reported on my credit report that I was negative in XXXX of XXXX. Which I did pay in full that month. Reported it to credit report many times with proof but nothing is being resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX Account # : XXXX Date Opened : XX/XX/XXXX reported late payments XXXX  XXXX Account # XXXX Date XXXX reporting late payments to my credit profile XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX : {$240.00} XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Debt collection

This account has been on my credit for over 10 years now. I have asked the to update the amount because it has been paid down. They keep saying this information is valid and current when it not. Plus this date is pass the status of limitations for reporting.
Product: Mortgage

I am on mailing list for the company New Day USA. I have written customer service and called many times to have my name removed. I still get daily mail from these guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

Amcap mortgage XX/XX/2020 Forbearance Crisis of the pandemic 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i initiated a dispute against XXXX XXXX XXXX XXXX for not updating accurate information to chexsystem. The charge off was paid in full. The XXXX dispute timeframe under the Fair Credit Reporting Act ( FCRA ) refers to the requirement for consumer reporting agencies ( CRAs ) to investigate and resolve disputes about the accuracy or completeness of information in a consumer 's credit file within 30 days of receiving a notice of the dispute from the consumer. Chexsystem took upon themself to extend the dispute beyond 30 days, its illegal according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a mortgage with PHH ( was with Ocwen up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our XXXX XXXX, which costs me every day. Our account number with XXXX is XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN XXXX
Product: Debt collection

The original bill came from XXXX. I canceled my service. But they did not close my account. I continue to receive bills after I cancelled my service. After four different phone calls averaging about an hour each I finally reach someone that said that they would cancel the bill for the unused services and the issue would be taken care of. Instead they turned it over to Southwest Credit Systems. Southwest Credit Systems was adamant that we owed the money and it was not their problem that XXXX did not shut off the service in a timely manner. We finally paid the money on the bogus account because we were trying to refinance our house. Not only does the money still show to be owed on our credit report more than six months later. But we never received a receipt for the money that was paid to show the issue with taking care of. We were told if we pay the money it would drop off of our credit report. After calling back 7 months later because it still showed on our credit report we were informed that they were a no delete collections agency and could not delete it from our credit report. So not only am I stuck with the only bad mark against my credit for 7 years, it is for a bogus bill that I never owed to start with! Totally unprofessional!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from identity theft not later then XXXX business days after the date of receipt. 

It has been 30 days and you are in violation of the law because I am a victim of identity theft! XXXX Please delete these items as soon as possible. 


XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX opened XX/XX/year> Account not mine XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX Account Not mine Opp Loans XXXX - XXXX Account Not Mine