23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first correspondence which was the attached letter to Toyota Motors certified on XX/XX/20. In that letter I was requesting them to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. Per tracking they received the correspondence on XX/XX/XXXX, at XXXX. I received a correspondence back from Toyota company with an identity theft affidavit to fill out. However, I did not say I was a victim of identity theft. I requested for the company to provide legal documents that are required to be sent when a car has been repossessed such as all the documents for the bill of sale ( post sale ). Since they did not provide me with the requested information, and instead sent a identity theft alfadavit I sent them another letter ( which I attached ) on XX/XX/20 advising that I did not say I was a victim of identity theft. I requested for your company to provide legal documents that are required to be sent when a car has been repossessed such as all the documents for the bill of sale ( post sale ). If you can not provide me with all the documents, I am legally entitled to then delete this item from my credit report as you are violating my rights under the FCRA. 



I have still yet to receive the requested information that I am entitled to by law. This company is attempting to use stall tactics such as an identity theft affidavit when I never alleged my identity is stolen. I am requesting : Under the laws of XX/XX/20 and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Since this company obviously does not have such information, I am requesting this be deleted from my credit report as it is violating my FCRA rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COLLECTION SERV Account XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This is still showing as a collection. It shows as paid but needs to be removed from the collections section on my XXXX credit report only. I have spoken to them and they have told me they don't remove it which i'm fine with, but it needs to be moved out of the collections part and into the part that shows paid with other collections that have been paid but not fully removed if that makes sense. I don't think they understand this part and every time I call I get met with hostility.
Product: Credit reporting or other personal consumer reports

this is a re investigation from An dispute XXXX XXXX XXXX ( XXXX ) Reason for investigation : Past statue of limitations for reporting. this account opened XX/XX/2016 past 7 Years. This account has been canceled and filled as a 1099-c. that I sent to your agency this is no longer debt it is income that has no permissible purpose of reporting.

Transunion has no obligation to report this canceled debt, No permissable purpose 15 U.S. Code 1681b under this law any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

this account falls under none of those requirements listed in the law above.i am not listing them because transunion under stands the laws the govern consumers, but yet still report this 7 year item that is not being collected on and is income under the irs publication.

Failure to remove this. i will file a lawsuit under civil liability willful non compliance of fcra requirements, as i have done before. my credit and worthiness is important to me and damaging it with knowledge and no legal obligation or purpose. is in fact against the law please understand what the 1099-c copy b form attached means and read instructions for debtor on the form.
Product: Debt collection

I have repeatedly disputed a bill with I.C Systems who is a 3rd party debt collection company for the XXXX XXXX XXXX. In my disputes I have requested that they investigate the account and the amount, because I believe that the services were illegally used by the landlord or new tenants long after I moved from the address this account is related to. I.C. Systems is erroneously reporting that my balance is {$5100.00}. The last date in which I disputed this account was XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. maha XXXX Inquiry from XX/XX/XXXX XXXX 2. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from XXXX XXXX, XXXX XXXX
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. 
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 d and purpose.
Product: Credit reporting or other personal consumer reports

this credit inquiries not autorized by me is some one who has my personal information and tried to open credit card account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these accounts with all three credit bureaus by letters.
Product: Debt collection

This account with Optimum Outcomes need to be returned back to XXXX. For one it was a XXXX visit I left and never saw a Physician. I am XXXX since XXXX so XXXX should have submitted it to XXXX. Social Security submitted all this to XXXX. So the miscommunication is with XXXX billing Department. XXXX did not send me anything regarding this charge, because I would have disputed this balance, Because I was only XXXX and the wait was to long so I left I did not see a doctor. XXXX would need to submit this back to XXXX for they could submit it to XXXX.
Product: Mortgage

In XXXX of this year I received the attached notice of a surplus balance in my escrow account. In that very same notice, freedom mortgage was also raising my payment with the entirety of the payment increase going toward my escrow balance. I didn't understand how refunding an overpayment to my escrow account could result in a higher monthly payment ( due to the refund creating a shortage ) for me. 
So, in XXXX I called and spoke to a customer service rep allegedly sent an inquiry request off to some department to look into it and respond to me. I never received a response. On XXXX XXXX, I once again called customer service and was escalated to the rudest person I have ever spoken to at freedom mortgage, XXXX XXXX ID # XXXX. XXXX XXXX 's unhelpfulness was only surpassed by her unprofessionalism and rudeness. She, essentially, told me that there was nothing I could do about the payment increase and that even if I made a one-time escrow only payment to cover the " new '' shortage that they would just turn around and refund it to me because it would now create an overage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXXXXXX XXXX if the consumer has provided XXXX documentation to the consumer. 
Please send me notification of the actions taken. 
2 of 5 I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I applied for the Bank of America Alaska XXXX XXXX credit card but did not receive this card. Instead, I received the PLATINUM credit card WHICH I NEVER APPLIED FOR! Now I am stuck with this credit card with an annual fee I was never informed about. I researched this issue online and many other customers have fallen for the same scam by Bank of America. I have never had this issue with other banks or credit card companies. Bank of America needs to be punished for misleading customers and ruining their credit scores.
Product: Debt collection

Due to continuous noise complaints of my neighbors above me for several months and management 's lack of attempting to fix the issues at hand ; both management and I, came to an agreement via email, that I can move out due to him finding someone to take over my apartment. Management informed me that I would have to move out on XX/XX/2020 and surrender my keys that night so that the apartment would be prepped for the next person to take over the apartment on XX/XX/2020 and in turn I would only have to pay the amount of {$280.00} from XX/XX/2020-XX/XX/2020. 

I ensured that the apartment was clean and completely empty when I left on the night of XX/XX/2020 as requested by management. 
After moving out, I purchased my money order on XX/XX/2020 and stopped by the leasing office and placed the amount of {$280.00} in the dropbox since the office was closed due to Covid-19. 

Management then reached out to me and informed me that the person will not be moving in until XX/XX/2020, however, that was not apart of the agreement that he sent me via email, so therefore I informed the collections company via email and certified mail that I am not responsible for the rest of the amount because there was no verbal or written agreement with management that I would be responsible for any other payment. I paid what was owed of me, which was the {$280.00}, so the debt that was placed in collections is fraudulent and should be removed. 

I was also told by two close friends that still resides at the apartment complex that a couple moved in my apartment shortly after I moved out in the month of XXXX. They are not sure of the exact day of move-in, however they are sure that the person moved in XXXX. 

Although I sent certified mail to the collections agency with documents proving that I do not owe the apartment any other monies, they still placed the collections on my credit report. 

Please help me to rectify this issue, as I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 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: Payday loan, title loan, or personal loan

There are insurance that I've been paying for since 2020. i requested paperwork, to review. The company is being very aggressive, rude and harassing about payments. Unnecessary aggression over the phone. The payment isn't even due yet.
Product: Credit reporting or other personal consumer reports

***The ONLY NAME THAT SHOULD BE ON ANY CREDIT BUREAU REPORT IS : XXXX XXXX XXXX XXXX XXXX XXXX OTHER NAMES belong to me AND MUST BE REMOVED. Including all accounts with other the other names than what is written above. *** Credit bureaus are refusing to correct this information. 

Previous complaint was to remove debt not owed. 

Company refuses to remove debt not owed or acknowledge paid in full status as attachment will show. 

Credit bureaus refuse to remove accounts with the wrong name associated or reflect current paid in full status of these debt. 

This company had a data dump of incorrect information in XX/XX/XXXX showing we owe this school loan when it was XXXX in XXXX. This is the date it was reported on my credit report. 

We have a recent document, attached, showing this account was paid in full as of XX/XX/XXXX from XX/XX/XXXX when this company said they acquired these loan balances. How can they transfer balances and collect on balances that show paid in full. 

This company continues to harassing me with frequent mailings rather than correcting the issue! 

This debt is not mine. 

This debt was discharged and showed paid in full 11 years ago! Now they are saying it was transferred. They refuse to remove or cease and desist contacting me or reporting this incorrect information. 

The recent information I will attach shows that it was paid in full as of XX/XX/XXXX. 

***It will also show my LEGAL NAME AS XXXX XXXX XXXX XXXX *** NO OTHER NAMES APPLY TO ANY CREDIT FILE OR DEBTS OWED and must be removed pursuant to US CODES. 

This company will not cease and desist reporting incorrect information and sending harassing mail to me now that they have my address
Product: Debt collection

They ( specifically XXXX XXXX ) called and left a nasty voicemail with threatening language about an old debt that I have repeatedly disputed. I have never had a credit card from the original creditor that is listed. XXXX became very aggravated and agressive in the voice mail and even caught himself at one point and pointed out his aggravation. He also mentioned it would " behoove '' me to pay in a threatening tone. Never in the message did XXXX or the automated voice inform me who was calling or who the original creditor of the debt was, but demanded payment on an invalid debt. I have received no paper communication from this company in the mail, else I would have disputed it as I have several times withother companies claiming I owe this debt. Not one of these companies has furnished any proof or an original contract that I owe such debt or have ever had such card. They simply say that I DO owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX FOR THE AMOUNT OF {$65.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened on XXXX XXXX XXXX, XXXX XXXX opened on XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting or other personal consumer reports

XXXX XXXX  stated they are removing this from my credit report, but on my report it appears updated and remains not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claim that they verify a bankruptcy on my report. they did not i sent multiple letters and you guys didn't tell me where you received the information from like i ask you just sent back verified. I also called and spoke with someone and i ask the same question where did you received the information from and the lady told me they went down to the courts to get the info which was a lie. my next step is to file a court proceeding on this and sue you guys for false information if this is not removed from my credit report in the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report anf ftc identity theft report. For CXXXX XXXX  I have reached out to the credit companies serval times via phone, mail and email. This company continues to violate my consumer rights. This company has not provided me with any proof that I open these accounts nor that I gave permission for these accounts to be open. It is disgusting that Ive went to every level and this company refuses to do the right thing!
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX Contrary to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act.

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors. 



As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts. 

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Mortgage

I called PHH immediately after receiving my mail on XX/XX/2019 to question PHH about this extra charge on my statement, the agent that took the call name is XXXX, I.D . XXXX or XXXX. also called back this morning to find out what state the removable of that charge in the person that took the call, name XXXX I.D . XXXX XXXX said that they are working on it.