23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My experience with your organization has been a mixture of a grateful " thank-you '' and a pressing request concerning my trade line, in my credit files from XXXX XXXX Toyota Financial XXXX XXXX XXXX, that I would like to have revised, to accurately report my payment history. 
Pursuant to Section 611 of The Fair Credit Reporting Act, please investigate the following late items that your organization has mistakenly reported on my credit report ( s ). 
My account number with XXXX XXXX Toyota Financial is : Account Number XXXX 2015 XXXX XXXX XXXX. 
As discussed, I have been communicating on many occasions about issues with payment transaction issues. Each and every time I have communicated with your organization, I was assured that NO LATE PAYMENT would occur as circumstances beyond my control were wreaking havoc on this situation, and in a timely fashion made sure my payment was gotten to XXXX XXXX Toyota Financial before any derogatory credit deadline. 
What makes it even more difficult is when I am confronted with such an instance, your back-up payment options are limited, and truly added to the stress of the situation. 
There are many exacerbating circumstances that caused such hardship ( s ), and confusion with my transactions. All in which were proven beyond my control, that no body truly has a concrete explanation for, and my payment history does not match your payment history ; thus you are reporting the XXXX 30 day late payments inaccurately. 
I do n't have all the answers, but my virtues are made apparently present by my unwavering payment history, by my extremely high amount of direct communication with you and your team, and by the numerous promises from you all that you understood that my situation was special, and I would NOT endure the devastating reporting of any 30 day late payments on my credit report ( as I was never 30days late. ) With that said, I have been through a long road of hardships. I was injured and am now retired from the New York XXXX, I am XXXX, I suffered a divorce, and a Bankruptcy. I have been working so hard over the past four years and have been re building my credit until now. 
I also suffer from XXXX. So you can only imagine the stress, the confusion, and the situation of keeping my payment history perfect. 
I did not pay my XXXX payments 30 days late, I have proven your records are inaccurate compared to the financial institution transactions, I have made sure within days of notification of troubled transactions I got the payment to you by any means possible, and I have shown a high attitude of virtue, by going as far as paying a double payment in XXXX, for both XXXX and XXXX, thus proving I had the funds to satisfy my promise to you all. 
I am kindly asking for you to please remove these XXXX inaccurate late payments, as I am in the process of getting a new home via my Veterans Mortgage Benefits, and this is affecting my abilities in a serious manner. 
I thank you again for your kind understanding, for all of the awesome customer service reps whom showed me so much understanding and compassion, and for the opportunity to take care of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDELENT ACCOUNTS ON MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 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 ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX BANK
Product: Credit reporting or other personal consumer reports

Account is included in bankruptcy ; account reporting as past due 120 + days past due when its included in bankruptcy.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Navient Loan Services regarding their denial of my application for the discharge of private student loans associated with XXXX XXXX XXXX XXXX. Despite providing comprehensive evidence of institutional misconduct and its significant financial harm, Navient declined my request without offering any explanation or reason for the denial. 

Background I submitted my application to Navient requesting : Full cancellation of private student loans related to XXXX XXXX XXXX XXXX XXXX 
A refund of all payments made on these loans, including those for loans paid in full. 
My application included detailed documentation, supported by my approved Borrower Defense claim, outlining Chamberlains systemic misrepresentation of the necessity of a XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) degree and their refusal to allow credit transfers, which caused me severe financial harm. 

Navients Response Navient issued a denial of my request without addressing the evidence presented or providing a rationale for their decision. This lack of transparency undermines my right as a borrower to have my concerns reviewed fairly and in good faith. 

Supporting Evidence of Misconduct XXXX XXXX XXXX XXXX engaged in practices that align with those of other institutions recently found guilty of similar misconduct. These include : Misrepresentation of the necessity of a XXXX XXXX  for employment. 
Denial of credit transfers to other institutions, leading to repeated coursework and increased educational expenses. 
A focus on enrollment and tuition revenue over student outcomes. 
These practices significantly inflated my debt burden, delayed my career progression, and caused ongoing financial instability, as detailed in my application and supporting exhibits. 

Request for CFPB Assistance I request the CFPB to : Investigate Navients handling of my application for loan discharge. 
Ensure that Navient provides a detailed explanation of their decision to deny my request. 
Review my application and supporting evidence to determine if Navient has acted inappropriately in denying my request for discharge and reimbursement. 
Impact on My Financial Stability The burden of these private student loans has had a lasting impact on my financial health and quality of life. Despite progressing in my career, the compounded debt resulting from XXXX actions continues to strain my finances. 

I believe Navients lack of a clear and fair review process, along with their refusal to address the institutional misconduct presented, warrants further investigation. I am attaching my original application and supporting documents for your review. 

Thank you for your attention to this matter. Please feel free to contact me if additional information is required.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX Basis for Dispute XXXXection 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

I formerly requested that both XXXX and TransUnion remove derogatory information from my credit report. I also have paid a company to clean up my credit and they have sent paperwork disputing my " Public Record '', that I have a tax lien. They verified a lien, but it was the wrong lien. I have had 2 liens on my credit since XXXX. A federal tax lien in the amount of about {$18000.00} or so, may be higher, I am not sure. I never paid that lien, and it fell off my credit report in XXXX. Also, in XXXX, we were told that the state of Alabama had put a tax lien on us for the amount that is being reported currently on my credit report. A STATE TAX LIEN, not the Federal one that is already off. I submitted documentation to show that the STATE TAX LIEN was RESCINDED!! That means that it was never supposed to even exist. It's been rescinded by the state, and when you call to verify the STATE TAX LIEN, they will tell you there is no record of a tax lien because it was RESCINDED!! I have provided documentation, and they claimed to have removed the tax lien from my credit report, but that didn't happen. It was not removed. Both XXXX and TransUnion, as of today, XX/XX/XXXX, still show that I have a tax lien on my credit report. ( See attached ). I want both companies to remove my tax lien, and put me in the position I should be in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.
Product: Debt collection

CFPB, The amount of the allege debt in question is {$1200.00}. This amount should be {$200.00}. I have been trying to resolve this matter with Central Financial Control and only to be ignored and transfer from department to department with no resolution in sight. 

I have sent out request for verification of this debt which requires Central Financial Control to obtain proper account level documentation and they have yet to provide me of this from the original creditor ( XXXX XXXX XXXX ). I even went as far as contacting XXXX XXXX XXXX and they have no records of this debt in their system. Central Financial Control continues to collect and report to all XXXX credit bureaus. 

In addition to this Central Financial is reporting to the credit bureaus that I 'm " Late '' causing severe damage to my credit report and score. How can this be when CFC is a collection agency and not lender or financial institution that grants installment or revolving lines of credit to consumers. This is a violation of the FCRA and FDCPA by misrepresentation of themselves. 

Another issue is " 1 month term '' being displayed. Again what contract or agreement did I enter with you at the time when you purchase this debt from XXXX XXXX XXXX. You are engaging in misleading and deceptive practices and collecting on debts that you can not obtain proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX through XXXX XXXX. 
My monthly payments were set up for automatic bank draft on the XXXX of each month. 
XXXX sold my account to XXXX XXXX XXXX ; I am not sure of the exact date this occurred. 
I was not notified by XXXX XXXX. 
My account was not drafted as scheduled on XX/XX/2022. 
XXXX reported the account as delinquent on XX/XX/2022. 
I was not notified by XXXX XXXX XXXX 

I do not have the " new '' account number or any other pertinent information to make payments with XXXX. 
I became aware only when I received a credit monitoring alert stating that my FICO score dropped by XXXX points. 
My total balance is {$170.00}. 
The last posted payment to XXXX XXXX was on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely
Product: Debt collection

i am filing this complaint against both Jefferson capital System and XXXX XXXX XXXX XXXX. it appears that JCS has went into my Transunion consumer file w/o written permission 15 u.s.c 1681 b and logged that i owe them as a collection {$730.00} ( via a XXXX  account ) of which JCS has never contacted me in regard to this false debt claim, not by letter, telephone, email, or any other form of communication. in direct violation of 15 u.s.c sec. 1692 g, f b and a. again there has been no communication whatsoever regarding this debt claim, immetiately dropping my score 49 points.i do not have nor have i ever had a contract with JCS. i personally this is done in retailation to a court action that i was successful against them last year. they know my address, my phone number, my email and yet no contact what sover regarding this new filing placed on my consumer report. this denying myself the opurtunity to have them validate this collection claim. yet another violation of 15 u.s.c this is also a cease and desist demand to JCS who has knowingly and willingly violate numerous rights under 15 u.s.c not to mention transunions vefication method is flawed or JCS flat out lied to them either way my credit dropped XXXX  points with no notice or aportunity to challenge this XXXX debt.
Product: Credit card

Synchrony bank sent me a letter stating that I owed almost XXXX for a tjmaxx credit card that was in my name, I've tried to dispute it many times. They say the information they have is accurate, but I have no knowledge of this account.
Product: Checking or savings account

XX/XX/2018 I receive this deposits in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD Total XXXX USD Same day at nigth i check that in my banking online that i had a bank debit for XXXX USD value, so i called at the time and made a claim, so the customer service told me that i had a note in my account for the lost prevention department so i must call them the next day, they said that department had freeze the account and they had to ask me some questions before unfreeze it. 


XX/XX/2018 First time in the morning i check the account again and i can see that XXXX XXXX were missing from my account and i called again very worried about the situation and customer service told me again that i had to call to Lost Prevention Department and ask them about that money. Finally i could made a call to them and their answer was that they had superiors orders to close my account for good with no explanations, that i had to look for another bank, they sent a letter 30 days ago to my billing address and i never get it because my home address is in XXXX and the mail service for USA - XXXX was down this new year, anyway ... after i ask them several times to understand me and help me they agree to give me back the XXXX XXXX they took that day but the XXXX XXXX from the day before they just told me to made a claim from customer service for that money. 

XX/XX/2018 I made a claim for the XXXX XXXX XX/XX/2018 I call to ask about the XXXX XXXX claim and i had check for another fraud made to my account for XXXX XXXX, that was an unauthorizing payment from XXXX XXXX XXXX, 2 days before i get a similar one and after i made a claim they put an Stop Payment Order for that company but it didnt work, after 5 hours talking with several departemtns in Wells Fargo where all of them send me with Lost Prevention Department telling me that they had the money finally Lost Prevention Department told me about one client who did the deposit for the value of XXXX XXXX some time after he come back to the bank and showing the receipt and telling to the teller some XXXX excuse the teller withdraw the money from my account and give him back, so i tell the lost prevention department that this is not legal anyone besides me or someone who sign in my account cant withdraw money from my account without my permission, that they answer me that anyone with a receipt can do it. 

Some months before another scammer try to do it the same and i made a claim and the bank give me my money back because anyone besides me cant withdraw money from my account, so why now they are telling me they can?, they ask for proof and i give them, i always have the receipt from my clients, so i can show all the proof they want. 


Thanks for your help.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit card

Timely payments have always been a priority for me on this account, ensuring they're never overdue. I'm uncertain about the reasons for the reported late payment remarks on my accounts. As stated in 15 USC 1666b - Billing Error, corrections should be enacted.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Balance : {$14000.00}