23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I tendered a Negotiable Instrument, with instructions to discharge the balance on account number XXXX XXXX, on the XXXX XXXXf XXXX. XXXX. The instructions referenced in UCC 3-103 and 3-104 spell out the Requirements for Negotiability. ( 1 ) It must be in writing, ( 2 ) It must be signed by the maker or drawer, ( 3 ) It must be an unconditional promise or order to pay, ( 4 ) It must be for a fixed amount of money, ( 5 ) It must be payable on demand or at a definite time, and ( 6 ) It must be payable to order or bearer, unless it is a check. All Requirements were met. The attached Negotiable Instrument is presented under the authority of House Joint Resolution 192, Public Law 73-10. Precedence ha been set with Spencer vs. Sterling Bank, 63 Cal Ap. 4th 1055 ( 1998 ) and Guaranty Trust Co. of NY vs. Henwood et al, 307 U.S. 247 ( FN3 ) The entire taxing and monetary systems are hereby placed under the U.C.C. by The Federal Tax Lien Act of 1966. The attached Tender and Negotiable Instrument were sent to Toyota Financial Services on XX/XX/XXXX. It was picked up on XX/XX/XXXX as recorded by XXXX XXXX. On XX/XX/XXXX, I received a letter from Toyota Financial Services, confirming that the account will be considered as paid in full, as of XX/XX/XXXX. A copy of account history shows the account being credited with the Negotiable Instrument, and showing a balance of {$0.00}. On XX/XX/XXXX. The payment was credited on XX/XX/XXXX. I received an email, titled You Are all Finished. On XX/XX/XXXX, I received the clear Title for the vehicle, from the Texas Department XXXX XXXX XXXX. On XX/XX/XXXX, I received a NOTICE OF ACCELERATION, AS IF THE Negotiable Instrument just disappeared, all of a sudden, with no explanation. On XX/XX/XXXX, I mailed an Affidavit of Mailing, which included all previous correspondence, a Notice of Default, and an Opportunity to Cure. Silence is XXXX, XXXX, and XXXX. No Response! On XX/XX/XXXX, a NOTICE OF DEFAULT IN DISHONOR was mailed and received, with mention of additional registered mail which was picked up. Still no Response. On XX/XX/XXXX. I mailed Toyota Financial Services a Notice of Dispute ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. There were no challenges. Fraud was committed because Toyota Financial Services reportedly had thirty days to properly validate the alleged debt. They picked this PROOF OF CLAIM up on XX/XX/XXXX, and had until XX/XX/XXXX to validate the debt. Reporting to XXXX, XXXX, and XXXX was a violation of the Fair Credit Reporting Act ; a Violation of the Fair Debt Collection Practices Act ; Defamation of Character ; and a violation of United States Code Title 18 Part 1 Chapter 63 1341 ( Mail Fraud ). The debt was considered to be invalid due to No Proof of Claim within the thirty-day period from XX/XX/XXXX to XX/XX/XXXX. I was impeded by the adverse action of Toyota Financial Services. Punitive damages must be assessed to deter Toyota Financial Services from engaging in this outrageous behavior going forward.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$140.00} XXXX declare under penalty and perjury under the laws of the United States if executed outside of the XXXX XXXX that the foregoing is ture and correct to the best of my knowledge further I certify that i am permitted by Federal and state law to file this dispute I also understand that knowing and willful misstatement or omission of material facts constitutes a Federal Criminal violation punishable under XXXX u.s.c XXXX. These collection found within my credit report are not reto any transactions that i made i am alleging that a person or company without my authorization used my personal identity to apply for service or goods all is being investigated by FTC
Product: Debt collection

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. Account XXXX : XXXX XXXX XXXX has violated my rights. 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 generallf, 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. 15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letters to XXXX, XXXX and Equifax on XX/XX/2022. 



Its been well over 30 days and I still havent received anything back. 



According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX and Equifax have 30 days to respond to my dispute. 

This is a Violation of my Rights
Product: Mortgage

I am in the process of having my roof replaced due to weather damage. Part of the process for US Bank Home Mortgage is that I have an inspection before the funds can be released to pay the contractor. I requested an inspection from US Bank Home mortgage on XXXX XXXX, 2015. I was told I would here from the XXXX party contractor within 3 -5 business days. Today is XXXX XXXX and I have yet to year form the contractor. I continue to call US Bank Home mortgage for a solution but they only tell me that a ticket has been placed to escalate the inspection, but I have yet to receive an inspection or a phone call from anyone regarding the inspection. The roof replacement work was completed on XXXX XXXX, 2015. US Bank Home mortgage paid XXXX of the {$3500.00} check they received from the insurance company. this payment was made to the contractor and myself. They have indicated the other funds can not be drawn down until the inspection has been performed and approved. US bank also received an additional check from the insurance company to cover the actual recoverable depreciation. I 've been waiting almost 3 weeks for a contractor to come out. US Bank has done nothing to assist me, other than tell me they are escalating the ticket to have an inspector contact me. I 've been told that several times, but have yet to receive a call. All of the conversations with US bank home mortgage have been initiated by me, I have yet to receive a call from anyone even though I 've been told managers and team leaders would call be back to discuss my issue.
Product: Debt collection

Midland XXXX has called twice regarding XXXX card. Claiming we are behind. I have called XXXX, we are not behind. The address Midland sends the delinquent notices to is not our address, nor have we ever lived there. Midland tried to get acct # and SS #, we did not give them any info. The first time they called, the caller was very rude and pushy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pilot who travels a lot and has been loyal XXXX  XXXX XXXX Customer since early XX/XX/2000, back then they had best online bill pay. Signed up or responded to XXXX XXXX XXXX XXXX XXXX offer that had points like XXXX & since I travel a lot I realized I was not getting a bill / paper statement of which I always want not an online bill which disappears when computer has a bad day or lighting or you pick the reason. I called them & they say I choose paperless which I never do since my dad 's business got audited twice when I was a kid and he always said thank XXXX for the paper trail!! I have always had over 800 score until now I have a Adverse Acct. / XXXX XXXX XXXX XXXX XXXX / late of which they blame me when I always have a min. of XXXX to XXXX XXXX  in their Bank which will change soon & Direct Deposit from XXXX XXXX which will change soon. Why would I have Thousands in their bank & have a title of Premier Customer & get a XXXX XXXX  limit of which I did not need. Why would I not pay a couple XXXX dollar bill, DOH?? 
I will be switching to my more local banks whose online bill pay has improved & who I can look in the eye if I am unhappy or they can call me if something is late. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Failed to investigate my dispute claims and illegally shared my information. My identity is stolen and being used to open accounts I never authorized.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and looked up my account and noticed under addresses I've lived, one address is not correct. It's an address that I've never lived at.
Product: Credit reporting or other personal consumer reports

INCORRECT MARKED LATE PAYMENT AGAINST ME WHILE IHAVE BEEN UNDER A LOT OF STRESS, I THINK THEY ARE WRONG XXXX A PAYMENT IS NOT MARKED LATE UNTIL 30 DAYS, I HAVE NOTHING LATE ON MY CREDIT FILE APART FROM XXXX AMEX  WHICH I OVERPAYED AND PAID EARLY IN XXXX.THIS IS CAUSING A GREAT DEAL OF ADDED STRESS AND AMEX ARE NOT ACCEPTING A MISTAKE. 
SUPPLIED MY PRESCRIPTION AND COUNSELLING FOR XXXX / XXXX PAYMENT DUE XXXX XXXX PAID XXXX XXXX XXXX EARLY PAYMENT DUE XXXX XXXX PAID XXXX ( LATE XXXX ONLY ) PAID PAYMENT DUE XXXX XXXX PAID XXXX
Product: Debt collection

On XX/XX/XXXX I entered a consumer credit transaction with Automotive Credit Corporation in the amount of {$12000.00} to obtain a XXXX XXXX XXXX. The Finance Charge of {$7000.00} did not equal the sum of all charges as the Total Sale Price, including my down payment of {$5000.00}, equaled {$24000.00}. They required me to purchase my own insurance. They have received an additional {$760.00} for statements they sent me XX/XX/XXXX and XX/XX/XXXX. I have not sent any more money. As the original creditor, I should have not received any statements requesting payment as they have already been paid on this matter. On XX/XX/XXXX, via Certified Mail, they received my Validation Letter, Cease and Desist Letter, an Affidavit stating where they have wronged me, and an invoice of {$19000.00} for double the finance charge and all of the payments they have received from me. On XX/XX/XXXX they sent me another statement with the total amount due of {$1500.00}. It is past 30 days and I have yet to receive a response to any of my letters.
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$390000.00}, XXXX XXXX XXXX XXXX : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputing with XXXX two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to XXXX, Experian, XXXX and XXXX XXXX. XXXX XXXX asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX extension XXXX at XXXX XXXX.I have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my XXXX account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted XXXX with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to XXXX, Experian and XXXX and still nothing. 

Please investigate as I need Both charge off accounts for XXXX XXXX needs to be Removed!! 

Thank You, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Revolving with account # XXXX opened on XXXX and a balance of {$200.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
15 U.S. Code 14 15 U.S. Code 16.

Also closed account for no valid reason
Product: Credit reporting or other personal consumer reports

I am not liable for this debt ( charge off ) with Citibank and do not have a contract with XXXX They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX/XXXX/2023 I had two email notifications showing that my Chime Bank Account had my email and phone number changed without my permission/knowledge. My account was hacked. I called Chime an hour after I received these emails to reset my email, phone number, get a new debit card and access into my account again. My entire savings funds ( over {$6500.00} ) had been transferred to my checking account and there was a total of 8 unauthorized transactions that totaled to {$4300.00} that had been removed from my checking account. All the transactions were pending when I called to dispute, so I was told the transactions needed to either expire or settle with the merchant before any dispute could be filed. 

On XXXX/XXXX/2023 the transactions settled, so I called to file a dispute ( claim # XXXX ) and on the same day I received an email stating there was no error that occurred and the dispute would be closed. I called and asked for the documentation as to why this was denied, was told it would take 10 days to receive the denial information, and was asked if I wanted to re-file the dispute. I told Chime I did want to re-file the dispute, so a rebottled claim was made under XXXX. I was unable to see any open disputes on my Chime App so on XXXX/XXXX/2023 I called to see if there was actually a rebottled dispute in process since there was nothing showing on my end. I was told by a Chime member there was an open pending dispute for the rebottled claim and was asked to send all supporting documentation to help further prove my case. I sent three emails XXXX/XXXX/2023 all with documents showing my account was hacked, the 8 unauthorized charges, and any other information I had that I thought would further help this case. 

I never received any documentation as to why my claim was denied the 1st time within 10 days like I was promised by Chime. 

I called Chime and spoke with Chime Live Support almost every day to check on the status of my rebottled case to ensure multiple times this claim was being filed under Regulation E and to make sure they had received everything possible from me to help this case. I was told it was filed under Regulation E by multiple different support numbers, so I thought I was okay. 

This morning, XXXX/XXXX/2023 I received an email stating my rebottled case was denied. I called Chime again, asked for the denial documentation again and asked to speak with the Supervisor as well. A second rebottled case has been started ( XXXX ) but I do not trust this bank anymore and need further help. It's been almost a month now since my account was hacked and these unauthorized transactions have taken place with no result, no clear answers and no documentation as to why my dispute has been denied twice now. 

This was money I was saving for almost a year for my fiance and I 's wedding this coming XXXX. I am XXXX and at a loss for what to do or how to get this resolved, but desperate and willing to help in any way I can. Please let me know what I can do to further help my case so I can get my money back. 

Thank you.
Product: Credit card

I am a Capital One XXXX XXXX XXXX holder. Per their advertising pitch, they re-imburse XXXX  XXXX  Fees of {$100.00}. On XX/XX/23, I called Capital One to confirm that my XXXX XXXX application fee of {$100.00} will be refunded to me AS PART OF A CARD MEMBER BENEFIT. I was told by the representative a rebate of {$100.00} will be credited after a few business days. As of XX/XX/23, almost 4 months later, Capital One has not yet issued the rebate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracyXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is showing that I owe {$99000.00} in student loans, when I only owe {$62000.00} in student loans. They are listing XXXX loan accounts, XXXX for {$36000.00} and XXXX for {$62000.00}. All of my student loans were consolidated into XXXX account years ago. I contacted XXXX XXXX months ago regarding this issue, and I was told they are aware of the problem reporting. Yet, they haven't fixed it. I have disputed the information twice with Experian, and they refuse to correct it. I filed another dispute on it with Experian, and also a complaint and dispute with XXXX, in writing today. I am concerned that I will be refused some credit that I apply for, due to showing such a high student loan balance and debt load.
Product: Credit card or prepaid card

I opened an American Express business platinum card in XX/XX/2021 and I have met the minimal spending within 92 days of card opening to get the rewards but my rewards points have been clawed back due to a return ; however ; when I called AMEX ; they told me as far as i can make up the spending before the deadline ; the rewards points will be reinstated. So I spend another $ XXXX But I did not get the points back even I have met all elements to be rewarded. I have read the terms and conditions of the rewards program. But I did not violate any of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase loan is indicated on XXXX and XXXX credit reports but its 11 years old. There is also the following comment : skip and trace. Chase wrote off loan and I paid taxes on it in 2012 and never pursued me. Loan should be deleted if I can't pay it back. I communicates this to them but nothing changed. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Us Bank incorrectly put late payments on my credit report showing XXXX and 60 days late my bank XXXX XXXX verifies they made the error as I had auto pay connected