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

My original complaint was complaint number XXXX-XXXX. I had written in response to a XXXX form that I received without being able to get information regarding the reason I was receiving it. I have reviewed the response from Toyota but it raised some additional questions.The response from Toyota along with the history provided indicates that I purchased a Toyota XXXX on XX/XX/XXXX, then on XX/XX/XXXX the car was repossessed and then charged {$2000.00} in repossession fees and if I am reading correctly sold for {$530.00}. Then according to the response I was provided with some legally required notices however I do not see these attached. Again according to the response my account was charged off on XX/XX/XXXX, and in continued to make payments according to the history provided. Then starting in XX/XX/XXXX the payments up until XX/XX/XXXX are applied to interest which seems odd if the account was charged off. Neither I or the co-signer have seen these letters from XX/XX/XXXX that were attached. We continued to make payments on the account and then the letter states that Toyota ceases to attempt to collect the debt in XX/XX/XXXX. I have not heard from, received a letter from, spoken to Toyota in  years. I purchased and financed a new Toyota XXXX in XX/XX/XXXX. I purchased a home, got a mortgage, and purchased and financed multiple cars over this period. Now in XX/XX/XXXX I receive this XXXX, however I no longer have any documentation to try to affirm the amounts due or paid as it has been 14 years since Toyota says they charged the account off. While in the letter it states attempt to collect this debt ceased in XX/XX/XXXX, but is there any evidence of collection activity occurring, or when was it that the last collection activity occurred? How would I be able to verify that if this XXXX is correct, that it was issued in the correct year, account was charged off per Toyota in XX/XX/XXXX, and in the history it appears the car repossession charges that start from XX/XX/XXXX,  but then the car is sold in XX/XX/XXXX and the 2 year old car was sold for {$530.00}. The whole timeframe somewhat baffling. It just seems based on this timeline it would be really remarkable for me to have the records to verify or respond to this. There is no reference of this account appearing on either my or the cosigners credit report. It never came up as an issue when I bought a home in XX/XX/XXXX, or when I purchased a Toyota XXXX in XX/XX/XXXX. I just don't understand how I could have addressed it if there was no contact or info for me to respond to, if nothing the XXXX should have been issued in a different time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX  XXXX  XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXXXXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

Collection account from Unknown with account # XXXX and a balance of {$730.00}. The original creditor is XXXX XXXX. 

XXXX with account # XXXX and a balance of {$170.00}. The original creditor is XXXX XXXX XXXX. I paid off this account but its still showing that I owe a balance. 

XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 

XXXX XXXX company with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 

XXXX XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Collection account from XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Debt collection

Hi there, I received a voicemail from XXXX on XX/XX/XXXX at XXXX CST stating to call back on personal number. I called back and was speaking to a man who claimed to be calling on behalf of the state of Illinois on phone number XXXX where he repeated my Social Security Number full name and Mailing Address. He told me I had XXXX in Taxes Owed ( which I do not ). I told him I do not feel comfortable speaking on the phone with a company I do not know and told him I would speak with my parents and check with the IRS to confirm. The fact that he had my Social Security Number was very alarming and I looked up the phone number and everything results back to spam. I don't know what to do since they have my Social.
Product: Credit card

My payment was one day late on XX/XX/XXXX rather than XX/XX/XXXX & first time ever. PNC charged me {$27.00} late fee on XX/XX/XXXX on my XXXXXXXX XXXX. I thought these fees were capped at {$8.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this unknown account that is not mine and never will be.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I attempted to place an order on XXXX 's website using Afterpay as the payment option. The website experienced a glitch and the order was never processed. My bank account was charged even though the order never went through, as many others on the XXXX XXXX XXXX site have reported. After repeatedly sending Afterpay staff requests for refund, Afterpay 's customer service has been totally nonresponsive and has yet to refund the charge to my bank account. There are hundreds of complaints online about Afterpay from consumers who have experienced the same thing and who also have great difficulty getting Afterpay to refund their charges. Afterpay was provided with multiple screenshots from XXXX managers ' emails demonstrating that the order was never processed, and they have still not responded to my request for refund. Reports have also been filed with the Attorney General 's Office in CA as well as with the XXXX XXXX XXXX XXXX XXXX XXXX, which previously required Afterpay to pay a {$900000.00} settlement for illegal loan practices in XXXX. It is clear that Afterpay does not believe that Federal or State loan requirements apply to their company, as they have denied hundreds of consumers refunds for orders never placed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and I feel that my federally protected consumer rights have been violated. Ive contacted the companies that have been reporting on my consumer report and they told me that they do not operate under the Fair Credit Reporting Act and that they dont have to follow under Congress Guidelines 15 USC 1681. I have sent copies of the violations to the credit bureaus and companies but they have ignored everything that I have sent them assholes. The violations included : 15 USC 1681b ( a ) ( 2 ) 15 USC 1681c ( a ) ( 5 ) 15 USC 1692g. 

I never have written consent to any of these XXXX who caused me injury by reporting false and inaccurate items on my consumer report. These items have caused denial of extension of credit, denial of bank accounts, and denials of loans. These are the accounts that I wish to be removed from my consumer report : DEPT OF ED/XXXX acct # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # -XXXX XXXX XXXX acct # -XXXX XXXX acct # -XXXX
Product: Credit card or prepaid card

Hello, I have a NetSpend prepaid Mastercard debit card which I used to get my prior year tax refunds direct deposited into. I received a letter from the IRS that the {$1200.00} Economic Impact Payment was ready to be deposited into my account on XX/XX/20. It's now the XXXX, 7 days later, and I still have no word from NetSpend that the money was deposited. I've called them and checked my online account with them daily ; but it hasn't done any good. Surely they can't just keep my money can they? Why won't they acknowledge that the money arrived? The letter from the IRS shows the last 4 digits of my NetSpend account number. 
I hope you can help me. Thank you.
Product: Credit card

Chase closed my credit card account today ( ending in XXXX ). They won't say why other than 'unusual activity '. I have no idea what that means. My wife and I use the card for family expenses, definitely nothing illegal. OK fine, they can close our account, but THEY JUST CHARGED ME {$520.00} on XX/XX/XXXX of 2023 and they aren't refunding my annual fee or pro-rating it in any way. What??? Please assist me in getting my annual fee back for a card they won't let me use for reasons they won't disclose
Product: Debt collection

They continue to call me at work despite my repeated attempts to ask them to stop. They are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX, and Equifax by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both XXXX and Equifax and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. 

The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX   XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXX XXXX ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as XXXX  and Equifax have. 


They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.
Product: Credit reporting

I file a case against XXXX XXXX. After filing my case against them they indicated they will be removing themselves off my credit report. Also, they would be sending a letter to all XXXX CRA to remove them off my credit report. This was done over a month ago. I am wondering why have n't this item has been removed from my credit report.
Product: Credit card or prepaid card

I received a letter that my chase card that I've had since 2006 was closed due to unsatisfactory credit reasons when I had a XXXX balance and because I was not making payments on a business credit card that I did not open.
Product: Vehicle loan or lease

providing false Infromation to the DIFS, AG, and other government entities pertaining to my claim. Supporting false information pertaining to my complaints.
Product: Vehicle loan or lease

XXXX XXXX sold my contract with out me knowing and they didn't fix my car. And I'm paying XXXX a month I feel like XXXX XXXX scammed me.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a hard inquiry from XXXXXXXX XXXX  on XX/XX/XXXX ; a hard inquiry from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; a hard inquiry from XXXX XXXXXXXX on XX/XX/XXXX ; a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX ; another hard inquiry from XXXXXXXX XXXX on XX/XX/XXXX ; a hard inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX ; a hard inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX ; and a hard inquiry from XXXX on XX/XX/XXXX. 

The inquiries have resulted in fraudulent hard inquiries appearing on my consumer FICO credit report. I have listed these inquiries that are on the report that is being maintained by you. I do not recognize the aforementioned inquiries as reported. The aforementioned inquiries appearing on my consumer credit report that is being maintained by you was not opened, made, or initiated by me. The aforementioned inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, submitting this complaint against Equifax Information Services, LLC and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXXXXXX Delete and purge all Hard inquiries. 

You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 
From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or to amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.