23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They didnt send me a validation letter 5 days after the first call.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



CLOSED ACCOUNTS : 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I have 7 inquiries for one auto loan purchase. These should be counted as one inquiry.
Product: Vehicle loan or lease

I'm unable to log into my account with Toyota Financial Services. The pop up screen states " Something Went Wrong! Looks like there's en error on our end. We apologize for any inconvenience. Please Try Again '' On XXXX I tried to log in with no success. I called Toyota Financial Services and spoke with a representative. She had me change my password but still no success. She said she would escalate the problem and notify me within XXXX business days. Well this didn't happen and the problem still exists. 
On XXXX I called Toyota Financial Services again to see what the status was, they pretty much ran me around the same questions and answers I got the first time I called them. Still no success but I did get an open ticket number which is XXXX. 
On XXXX I drove out to the Toyota dealership here in town and spoke with XXXX of their representatives and she was able to get me into my account to at least see the status of my loan. She did say that a lot of people are having issues with Toyota Financial Services and are driving out to the dealership for help. I'm still unable to access my account either by going to XXXX or by the App I have on my phone. I've looked at all the reviews out there on line about Toyota Financial Services and they aren't good by any means. I'm beyond frustrated and hope someone can help me out. Thank you
Product: Checking or savings account

There is complaints from me to ya about the regions bank XXXX XXXX XXXX and the redress act that I should have been compensated for in 2013 when I filled the complaints, it envoles regions back giving me the advice to open up as, any account as I can separate each with XXXX XXXX XXXXXXXX dollars and I did just that and a few months later I was receiving insaficiant funds and over draft fees, i had everything taken from, m me XXXX XXXX XXXX dollars is a lot of money to just let b taken and not fight for, I c where regions was made pay consumers back for every thing I proved they did to me but I haven't received my money. This happens in XXXX XXXX Arkansas in 2013 and it involves XXXX XXXX XXXX dollars and me only being issued a now card. When this happened to me my whole identity was taken from me n till this very day I can't get in to anything that is mine due to it being changed and just messed with. I don't like doing any of this on line because I can't trustit, I would rather talk in person not the phone but in person r by mail till this can get resolved. I was told I would live off the intrrset if I opened up 6 accounts each with XXXX XXXX XXXXXXXX, I want to get my response from my complaint in 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem has been going on for years. I currently am trying to re-enroll in school and I continuously get messages saying that I have loans from XX/XX/XXXX that are in default but when I go to the website the loans say XXXX balance. I have recently looked into my credit and my account says that I made 3 late payments on 2 different student loans. My problem is that I was reports " Current '' XX/XX/XXXX but " 90-119 days late ' XX/XX/XXXX as well as " 120-149 days late '' XX/XX/XXXXand XX/XX/XXXX. Then, my record shows " No info '' XX/XX/XXXX- XX/XX/XXXX, 1 " current '' payment in XX/XX/XXXX and then back to " no info ''. I do not understand how I went from current to 90- 119 days late in a matter of 30 days, and how reporting just stopped. My student loan payments have never been late.
Product: Credit reporting or other personal consumer reports

All three credit bureau continue to report literally false information on my reports. That are clearly not doing anything about it. I will continue to dispute, I have shown proof, and this is how I know they just do whatever because two different accounts with XXXX XXXXXXXX show that my last payment was XX/XX/XXXX which would make deletion XXXX of XXXX this year. However, they should have both been removed in XXXX and XXXX the last payment was made in XXXX and XXXX. Then XXXX XXXX clearly states last payment was XX/XX/XXXX which means that should be removed next month. However last payment was XXXX not XXXX. I will continue to file complaints when I know they are in the wrong. I hope y'all can get this resolved.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Checking or savings account

Opened a new checking account with Chase Bank. Initial check deposit of {$5200.00} on XXXX ( work paycheck ) put on pending hold due to fraud alert. Called on XX/XX/ and was told Chase needed to verify my employment on their and that hold would be removed on XX/XX/. Did not receive any communication from Chase other than a letter reiterating the hold almost a week later. No messaging at all on their online portal saying as to why funds were on hold and what I needed to do. 

As of XX/XX/, funds still frozen and additional direct deposit of {$7000.00} sent on XX/XX/ to this account rejected, effectively freezing these fund too. 

Called on XXXX  and was told my account will be frozen and money placed in limbo starting XX/XX/ because their phone systems won't allow them to call my employer to verify the check, leaving me with no alternative to access this money. 

Went into a branch and said there was nothing they could do. 

Called again on XXXX  and the rep was able to confirm with my employer, but it would be an additional 3-5 business days to access any money.
Product: Checking or savings account

We ( I and my wife ) have a savings account with Wells Fargo Bank. My social security payments are deposited into this account every month. I needed money for our home repair. I checked the account and found money was missing. Then I checked each month 's statement. I found someone withdrew {$5400.00} from this account on XX/XX/2022 from a branch window. I contacted Wells Fargo by phone. Wells Fargo mailed a copy of withdrawal slip. My name was misspelled and my signature was copied. Teller, apparently, did not verify identity of that person. Location of the branch was unknown to me. Wells Fargo closed this account due to fraudulent activity and opened new one for us. Claims department is now refusing to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have attempted to remove duplicate accounts from my credit file several times, however, the credit bureaus are refusing to move these accounts. I have letters from both XXXX XXXX XXXX and XXXX Bank which shows that the XXXX XXXX XXXX ending in XXXX is being collected by XXXX XXXX XXXX and the XXXX XXXX account ending in XXXX is also being collected by XXXX XXXX XXXX. 

I advised the credit bureaus that it is unlawful to report duplicate accounts on my file, however, they refuse to remove these files from my credit report. 

As well, I submitted my divorce court orders advising that my last name is no longer XXXX and should be updated on my credit file to reflect my maiden name. All three credits bureaus have this information but refuse to update my name. I also sent copies of my SC Drivers License.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX   AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Product: Credit reporting or other personal consumer reports

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

EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> 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 generally, 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 ( i ) 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: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Violations of the FCRA and TILA by Credit Bureaus Reporting XXXX  Account Discrepancies Dear CFPB, I am writing to formally file a complaint regarding inaccuracies and violations of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) related to the XXXX  account ( Account # XXXX ) reported by XXXX XXXX XXXX, and Equifax . 
Despite previously disputing this account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved. These inaccuracies are severely affecting my credit profile. I am requesting immediate corrective action and a thorough investigation in compliance with federal law. 

Account Details : Creditor Name : XXXX  Account Number : XXXX Date of Last Activity : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Balance Owed : {$1700.00} ( all bureaus ) Payment Status : Collection/Chargeoff ( all bureaus ) Creditor Remarks : XXXX : " Charged off as bad debt. Dispute resolved ; customer disagrees. '' XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' Equifax : " Consumer disputes after resolution. Charged off account. '' Credit Limit : XXXX : {$2500.00} XXXX : {$2500.00} Equifax : {$0.00} Violations of Federal Law : FCRA Violations 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation of disputed information within the required time frame. 
15 U.S.C. 1681e ( b ) : Failure to maintain accurate and up-to-date information.

15 U.S.C. 1681c : Reporting outdated or erroneous payment histories and statuses.

15 U.S.C. 1681b : Improper use and reporting of my credit information.

TILA Violations Failure to disclose accurate information about the account status, balance, and charge-off details. 
Requested Resolution : Immediate deletion of the XXXX  account from my credit reports across XXXX, XXXX, and Equifax due to failure to verify its accuracy as required by FCRA. 
Written confirmation of the deletion within 15 days of receipt of this letter. 
A comprehensive explanation of the reinvestigation process and steps taken to address my dispute. 
Attachments : Copies of my dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Copies of my ID and Social Security card. 
Screenshots and documentation of inaccuracies from my credit reports. 
Failure to comply with these requests will result in further escalation, including legal action to protect my rights under the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
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 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: Debt collection

My ex husband applied for XXXX XXXX & used my name XXXX a co signer. It was {$1000.00} credit line. He never paid on it. I started getting collection notices from Portfolio Recovery and asked him what had happened. He took full responsibility, & said he'd take care of it. Fast forward to 2016, we were both sued & iin court my attorney asked the Portfolio attorney to remove me from the legal action. He refused stating as long as my ex paid the monthly payments, I wouldn't have to worry. He didn't pay. I now have a lien on my home. I've disputed numerous times via XXXX XXXX & XXXX. Each time they upheld it, however, no one has provided me with proof of my signature on the contract. When i've specifically asked for proof, they just send me a credit card statement. That's not proof. I've contacted the attorneys directly and asked for this proof and have been ignored. My ex husband signed a notarized statement stating he was solely responsible for this debt. I was still ignored.
Product: Mortgage

From my previous complaint, the company stated they would return the money to my escrow account within 7 days. It has been 7 days and I still do not have the money back to my account. It should be as easy as cancelling the check that went out and was NOT CASHED. However, it still has not been cashed. In addition, more money is missing from my in escrow account and I can not contact the company because they blocked me from contacting them. 

I want an explanation for why the money is still missing and not refunded like the attached letter states. 

XXXX XXXX XXXX XXXX already CONFIRMED that this money is mine. They also refunded me for an overpayment of {$250.00}. I need that money back as well. Where is that???? 

I also want an explanation for why I owe {$20.00} when the same bank account has been entered and processing payment the entire time? This should be waived because of all of the inconveniences NewRez has caused me. 

Not only do I want my {$1300.00} back, but I want money to stop being sent out from my escrow account. I want the account shut down completely. 

This is bad business and terrible customer service. How am I supposed to contact a company that refuses to call me and never answers to phone and now has me blocked from emails? How unprofessional.
Product: Mortgage

We received a letter dated XX/XX/2020, stating Quicken Loans were selling our mortgage to XXXX XXXX XXXX XXXX XXXX, but Quicken would continue to service our mortgage. 
I then received a call from a company named XXXX, which is listed as a debt collection agency, saying for me to call them to set up payments to them for our mortgage. 
Thinking this was a scam, I contacted Quicken and talked to XXXX XXXX who stated that she shows our mortgage was sold to XXXX, and has no record of the letter I read to her. 
Her letter was datedXXXX, which I have NEVER received.
Product: Checking or savings account

I got my wallet stolen and my chase bank debit card along with my wallet. I didn't notice my wallet was stolen for around XXXX hours. As soon as I did notice I called to report the card and lock it. There were XXXX transactions totaling XXXX. These transactions were not authorized by me. The charges were made on the XXXX of XX/XX/year>. I don't know the time the transactions were made only the amount, which is XXXX, XXXX, XXXX, XXXX and a XXXX. XXXX did retrieve the amount of XXXX. Then denied my other XXXX transactions made on the same day. I provided proof of me being at work on XX/XX/XXXX when these transactions were made to my account. XXXX simply said that since my debit card was used with my pin number and there were no invalid pin attempts. My claim is denied and there is no further action I can take with Chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this account : XXXX XXXX XXXX XXXXXXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. PERSONAL LOAN I NEVER WANTED. XX/XX/XXXX. XX/XX/XXXX NEED ACCOUNT REMOVED SOON AS POSSIBLE ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor 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 records 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. 
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