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

XX/XX/XXXX, Toyota Financial Services charging {$930.00} after 1 month of end of lease return to dealership. 

1 ) At the time of returning the vehicle to dealership, no damages were found after inspection and test drive. The vehicle was returned and a new vehicle was purchased on the same day.

2 ) The dealership did not notify any possible fees on wear and tear as the vehicle was in good condition that they can re-sell. 

3 ) Aforementioned procedure was completed on XX/XX/XXXX, and on XX/XX/XXXX Toyota Financial Services charged {$930.00} on previously closed account without any indication on what it was for. We had to call in to find out that they are charging us for wear and tear. 

4 ) After 3 attempts to get the file in hand as to what they are charging, the damages they claim to be on us were never present on the vehicle returned, which can only lead to 2 possibilities. 
1. The damages were made AFTER the vehicle was returned 2. The damages shown are on a different vehicle There is no logical way to prove that the damages were done by us and thus we dispute this charge, to date, Toyota Financial Services calls us every single day to collect this charge even knowing that we choose to dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have checked my report and there are XXXX accounts that are not mine.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports Transunion, XXXX, XXXX, XXXX and XXXX are showing a Bankruptcy that was reported fraudulently on my reports receiving a letter for the United States Bankruptcy court, clearly stating they do not provide any information to the credit bureaus, therefore reporting this is from a third party XXXX is fraudulent.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX XXXX XXXX XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX FIN XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX LATE PAYMENTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice inquires that I am unfamiliar with. Your website states to call all places and I have done so. They are saying they do not have any accounts with my name on them. If they can not verify a contract with my wet ink signature please remove from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/XXXX, i signed a lease from XXXXMONTEREY Financial Group. i was financed for the purchase of {$1800.00}. My first payment, at the store on date of purchase was {$440.00} with 27 payments of {$150.00}. the first payment was set for XX/XX/XXXX. the account they tried to pull from was insufficient. unknown to us that it was auto draft, we tried to pay the {$150.00} with a different account on XX/XX/XXXX. they did not take the money until later in the month ( 3 weeks later ) and then claimed a {$20.00} late fee for the next billing cycle. i agreed. on XX/XX/XXXX, they pulled {$270.00} from my account and of that, {$52.00} came from my savings account. i called and they claim i agreed to that and would go over the last call to verify. my contract says to pay {$4300.00} at the end of lease, but the numbers do not match my account on their website by several hundreds of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both TransUnion AND XXXX but even more so TransUnion since they are assessing me a fraudulent insufficient rating in my opinion have kept a 20+ year old student loan that was intiated when I was about " XXXX years old '' at a XXXX XXXX school for which I was NEVER given loan information, counseling nor ever had it properly explained to me. I was NEVER even told the amount being borrowed in my name NOR given any documentation at the time. The loan was taken out by " then owner '' of XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, N.J. I " believe '' by the former owner XXXX XXXX or XXXX or one of  his appointments handlers at the school at that time ( circa XX/XX/1999 ). 

Both TransUnion AND XXXX have had this single loan listed NOT ONCE but " 3 '' times on my credit report! This should be illegal!!! I only ever had the 1 as mentioned " fraudulently obtained '' loan 20 years ago ; which furthermore it was a XXXX school & I was unable to finish & only attended a few months " part time '' no less & as a result returned all of the equipment & books & materials given to me when I first enrolled. A clerk at the school assured me that ANY loans taken by the school in my name would be canceled out! CLEARLY ... I discovered to my HORROR that this was a LIE! Not only was it never canceled out ; it was reported as delinquent some years later for which I " hand wrote '' letters of dispute to the Big 3 Credits Bureaus at the time. Not only has the loan not been removed from my credit history it is, as mentioned reported on my XXXX XXXX account as " 3 closed & unpaid student accounts ''! This is a fraudulent account & I have been victimized by this single situation almost 20 years now! I've been denied jobs, apartments, credit cards, personal loans ALL because of this singular false accounting which is listed as 3 by both TransUbion & XXXX! This is a long time abuse upon me as a citizen in this country, especially since, I have NEVER had a single credit card, personal loan or mortgage yet to this day at almost age XXXX & being refused things like shelter and employment based on a fault credit history is an absolute disgrace & needs to be addressed immediately! PLEASE MAKE THEM FIX THIS!!!
Product: Credit reporting or other personal consumer reports

THIS CASE OF # XXXX FILED IN XXXX COUNTY WAS SETTLED AND DISMISSED FOR THE TOTAL AMOUNT OF {$5300.00} AND NO FURTHER COSTS TO MY SELF OR BANK OF AMERICA. JUDGE SIGNED OFF ON XXXX XXXXTHE REASON IT WAS SETTLED IS BECAUSE OF FRAUD CHARGES ON THE ACCOUNT. THE SETTLEMENT FOR {$5300.00} WHICH WAS PAID WITH A MONEY ORDER # XXXX WAS FOR FULL SETTLEMENT PAYMENT IN FULL. NOW BANK OF AMERICA PUTS ON MY CREDIT REPORT THAT I STILL OWE THEM {$2600.00} AND I WANT THIS TAKEN OFF THE REPORT SINCE IT WAS PAID IN FULL PER OUR AGREEMENT DUE TO FRAUD CHARGES ON THE ACCOUNT. AND I DO NOT OWE THEM ANYTHING. THANK YOU
Product: Debt collection

These people called me continually back to back like 5 times, when they did n't get a answer they left a voice mail stating that I owed a debt & if I did n't pay it this would be sent to curt & the prices would double. After speaking with them & things sounding fishy ( the fact that some of the info he had was wrong ), I disconnected the call & did a little research which lead me here. The guy then called back twice & left another voice mail using a different name stating due to me refusing he was going to send this to the courts in my area. I called back & asked that they stop calling me to which they said some sarcastic remarke & hung up in my face. This morning my supervisor calls me to her desk & states she had like 3 voice mail messages from the same people & she stated that they left a little to much information on the voice mail. They have called me 3 times today & when I stated that I was filing a complaint & not to cal me any more the guy responded " good for you '' and hung up on me again
Product: Checking or savings account

I had reported to Wells Fargo Bank that I was having difficulty with an employer and my direct deposit posting in XXXX of XXXX. I am on SS XXXX. I took a position that required more standing than similar jobs in past. It aggravated a condition my doctor took me off work til XX/XX/XXXX. I informed Wells Fargo of the job difficulties prior to the leave of absence. My difficulties started in XXXX of XXXX and the job begin to harass me after my doctor submitted accomodations in XX/XX/XXXX, in addition they cut my hours. All along I'm looking for another job. I kept the bank in the loop and was told by them my account was closed where the check was returned but it was not. Because a check was returned from another account where I have overdraft protection, where the direct deposit was to post. The jobs fault and the check was returned. I settled the issue. Never was I told I could have overdraft protection at Wells Fargo until last week. A check was returned before I was abruptly let go from my job while on medical leave because of the abrupt job lost. I was told I could make payments. I a made XXXX payment. I owed XXXX that's all. They have been charging my account XXXX a month knowing my situation. I called and told them I had found another job. They sent me 2 emails telling me I could have asked for overdraft but now its too late, but they never offered. Said I could make payments, took payments, closed anyway. I feel this is wrong. I had no control over my situation, I have and can document anything is this email. I don't even owe a lot of money and they are threatening to hurt me further and report me to some agency AND THEY OFFERED NO HELP TIL THEY WAS READY TO CLOSE THE ACCOUNT. NOT RIGHT. THIS IS WHAT THEY TOLD ME LAST WEEK. I HAVE ALL EAMILS FROM THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have summited several letters to Equifax in requard to this matter. And they still have not provided me with proof of the fraudulent inquires being mine. According to section 605 B of the fair credit reporting act the fraudulent information must be deleted immediately.
Product: Credit card

I refinanced my home in XXXX of 2024 and sent a check # XXXX from XXXX XXXX XXXX for {$5200.00} to XXXXXXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX and was received on XX/XX/year> Signature was stamped XXXX XXXX XXXXXXXX XXXX  on XXXX post office return receipt. 
Then the account showed that the amount of the check was applied to the balance, then about XXXX weeks later the amount of the check was reapplied to the account. 
I spent over XXXX hours on the computer with XXXX just to find out where the money went, the use Synchrony Bank in XXXX, Pa. 
It would have been better if I could have sent amy personal check to XXXX but I was unable to do it
Product: Vehicle loan or lease

Capital One offers to move the due date 3 times over the life of the loan. I previously moved the payment up from the XXXX of the month to the XXXX of the month and after approximately 1 year I need to change that request to move back to the XXXX of the month. I paid 1 month ahead for additional interest charges and could not do so and was advised that I could only move the date 2 times which is not what the website states. 

" You can move your due date into the future a maximum of 15 days from your original due date. You can change your due date 3 times over the course of your loan, however the 15 day limit still applies. '' I moved the original day of the XXXX of the month to the XXXX and they are now advising me they will not move it back and that I have only 2 opportunities to change this date. l
Product: Debt collection

I disputed that the collection account reporting inaccurate / inconsistent original creditors to two different credit bureaus over 3 times also provide proof to both. The debt collector that's reporting the account verified the account was reporting accurate to the credit bureaus. Even when XXXX  & XXXX  reporting 2 different Original Creditors & also other errors, also as different account status, XXXX  reporting a past due account and XXXX fail to report a past due.

FCRA say the account have to be 100 % accurate, if information on the account is inconsistent how can it be accurate. XXXX say the Account name is Rent Recovery Solutions, LLC but XXXX  just report Rent Recovery Solutions, that's two different names.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccurate Debt Reporting, Cease Collection Attempts, and Request for Full Accounting Dear Sir/Madam, I am writing to dispute the inaccurate debt reporting on my credit report, which originated from billing errors on behalf of XXXX XXXXXXXX and was subsequently sold to XXXX XXXX. The debt in question was charged off by XXXX XXXX before resolving the billing errors, and XXXX XXXX purchased the debt without properly verifying its validity. 

It has been confirmed by XXXX XXXX that this debt is inaccurate, yet it continues to negatively impact my credit standing. I demand immediate removal of this account from my credit report due to the lack of proper verification. Additionally, I request that all collection attempts be ceased, including furnishing erroneous information regarding this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate information on my credit report and request verification of the debt. This debt has been proven to be fraudulent and should not be reported on my credit file. 

Furthermore, I request a full accounting of the sale of this alleged bad debt, including all relevant documentation and information related to the transaction. I expect this information to be provided to me within 30 days of the date of this letter. 

Failure to comply with these requests may result in legal action being taken to protect my rights under the FCRA and FDCPA. I urge both XXXX XXXX and XXXX XXXX to resolve this matter promptly and in accordance with the law. 

I request written confirmation of the removal of this inaccurate debt from my credit report, cessation of all collection attempts, and the provision of a full accounting of the debt sale within the specified timeframe. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX WITHOUT RECOURSE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a forbearance on my home equity line in XXXX. Since I paid my XXXX payment I asked them to start in XXXX. According to the papers sent they said it would not be reported to the credit bureaus as late, it will be reported as current. Upon checking my credit they did report as late and my score went down 100 points. I have written to TD many times and i get no response. This is very disturbing for I am XXXX year old and always had excellent credit. Now with this report I will not be able to buy a car in the future ( I am driving a 6 year old car now ) nor get another mortgage and many other things. I was so upset about this I brought the account up to date in XXXX but I need TD to correct the credit report. I am including the approval letter which indicates that it will be reported as current also including a letter I sent to XXXX   where I was able to get a free copy of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Capital One and XXXX about an unauthorized hard inquiry after i received a copy of my credit report. They agreed to remove it from my credit report but they never did. This is very frustrating, is a very serious matter and Capital One & XXXX wont help me fix it. Please remove unauthorized hard inquiry from my credit report Cap One XX/XX/2018
Product: Debt collection

I took out some loans against EZ Pawn. I was told a couple of months ago that I had paid over 23,000 in interest to them. They would repeatedly text me and call me. I was very ill in the hospital and hooked up to XXXX 's when they would call me and tell me that I had " better get down there '' to make payments to them. I had to send a friend down to make payments to them. I would pay them and mail in money orders and cashiers checks to them and tell them which loans to extend only to have the dropped anyway. I am very upset that I paid so much in interest to wind up with nothing. I would not have paid them this much money had I not been pressured so much. I am very upset about their tactics. I feel that this has been a no-win situation and feel very stupid and a a big sucker.
Product: Payday loan, title loan, personal loan, or advance loan

I took out this loan with Enium for a solar installation on my house with a company called XXXX XXXX back on XX/XX/year>. 
XXXX XXXX never completed the installation and keeps giving me the runaround when I call, theyre understaffed, the equipment has not come in, someone will get back to me. No one has called me or anything. I finally spoke to a representative that told me to contact the finance company Enium and cancel the loan agreement because XXXX XXXX is not going to install the solar panels. 
Im out of {$32000.00} loan, and am now a victim of fraud. 


Please someone help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate I checked my credit report and noticed multiple inconspicuous inconsistencies across the 3 bureaus from this account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I have listed the reported accounts below : 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 XXXXXXXX
Product: Debt collection

I submitted a prior complaint that was closed by the CFPB because Paragon Revenue Group agreed to remove this negative item from my credit reports and that I did not owe them any money. Today I received a text message from them asking me to call them with a XXXX digit Pin #. I attached a screenshot. 

I do not owe Paragon Revenue any money and they need to stop contacting me. The CFPB needs to investigate this debt buyer! I want them to stop contacting me and remove my information from their database. 

Here is the case # from XX/XX/2022 with CFPB : XXXX