23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I contacted Toyota Financial Services when my account was XXXX days past due, attempting to make the remaining portion of my monthly payment on that day to avoid my credit from being affected. However, due to Toyota 's inability to date my payment by phone for the same day, the only option given to me was to date it for XXXX days later ... .the earliest possible date it would reflect as posted on my account. I disputed the credit mark directly with Toyota and through the credit bureaus, but it has not been removed. This now impacts my ability to afford the purchase of a home for my family at a reasonable rate. 

I was a good customer and appreciated the overall service received. I paid the loan off in full, and this one instance was the only time the account went over XXXX days past due throughout the duration of the loan.
Product: Credit reporting or other personal consumer reports

I disputed an incorrect account on my Experian credit report multiple times because the original creditor confirmed it was reported in error. The creditor closed the case in my favor, acknowledging there was no proof to support the negative entry. Despite this, Experian refuses to remove the incorrect information and states it will remain until XXXX next year. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must delete unverifiable or incorrect information. Experian has not provided any documentation proving the accuracy of this account. I request immediate removal of this incorrect item as required by law.
Product: Debt collection

Since 2018 I have made countless request to have this debt validated. I have asked for itemized bills, I have made official disputes and I never get any response on the validity of this debt nor can they prove that it is my debt. I do not have any knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian decreased my credit by XXXX points in XXXX because they began including several closed written off accounts in the calculation of my total credit utilization. Credit utilization calculates what percentage of the credit is currently being used of your total available credit. It does not include closed accounts because you are unable to use credit if the account is closed. I verified with vantage that they do not use the closed accounts in this calculation. In XXXX Experian included several closed accounts stating my credit utilization is 84 % and it dropped my score by XXXX points. Im only using XXXX dollars of my XXXX dollars available credit which calculates as 4 %. When I brought it to their attention they refused to do anything about it and said they cant do anything to change it and gave me no solution or suggestion.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$470.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$35.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2100.00} Open date XX/XX/XXXX XXXX XXXX XXXX  Balance {$2000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$360.00} Open Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX  Hide Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, GA XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Factual Data : :XXXX XXXX  XXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Virginia XXXX , VA XXXX ( XXXX ) XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX : :XXXX XXXX XXXX  Hide Details XX/XX/XXXX XXXX XXXX XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX CARD XXXX
Product: Credit reporting

Neither equifax nor experien have a process that works. Online they collect the information then say they ca n't do it, when you call they route you to a dead phone. 
Just a run around. 
Both should be fined heavily for proliferating incorrect information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, We wired money from XXXX  XXXX XXXX to Wells Fargo to XXXX XXXX XXXX XXXX in the amount of {$9800.00}. 
She was supposed to build a small container home for us that was never done. Now she is avoiding contact. I called Wells Fargo to flag her account so other people would not be scammed and they said they could not do anything.
Product: Credit reporting or other personal consumer reports

The results of the reinvestigation of my dispute with an account that continues to be reported in error on my credit report is proof that Experian XXXX Inc. has more than once failed to lawfully make the corrections to my credit report. I have an active balance on an account that I can not use or have access to. How can I have an active balance for an account I do not have access to and that has been close? I demand Experian , Inc. to remove the account permanently from my credit report immediately.
Product: Checking or savings account

Every month on the XXXX since XX/XX/year>, a charge from Capital One 's credit department shows up on my Capital One 360 checking account or {$130.00} ( but is denied because I have been keeping less than the amount charge ) When I inquire about this charge, Capital One 's customer service will play a game of hot potato with me over the phone, bouncing me between their Credit, Debit, and Checking departments, all of them claiming it is the other 's problem. Also, none of them will oblige me when I ask to speak with a supervisor. 

I find this strange because after the failed transaction shows up on my statement ( If it does ) instead of charging me when I put funds into the checking account, it will try to charge me again on the same date the following month, the XXXX. 

I am told this is relating to my Auto Loan or my Credit Card- which I do have with Capital One- but I make all my payments within time I am required to pay them, and nothing in the agreements of my credit card or my auto loan say anything about a fee of {$130.00}. I did not authorize this payment. I feel as if someone or the company as a whole is doing this my account maliciously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : Experian : XXXX XXXX : XXXX XXXX XXXX  : Experian : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX? XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX  : XXXX.
Product: Checking or savings account

A few months ago I got overcharged with overdraft fees. I called my bank and they fixed the problem but told me that it was a one time deal. That I would have to manage my money better. I took they advice and set up alerts. I am to get alerts when my account reaches {$100.00} and another when it reaches {$50.00}, this way I won't get hit with overdraft fees. For a bit it was working but then my bank stopped sending me text alerts and stopped emailing me. When I tried to discover the problem they said that I needed to " update my contact info ''. I did that seven times and even went to the bank and called them. I thought it was resolved. Then I started noticing that my statements were coming in later. I thought it was fine since I was keeping track with my spending thanks to the app. However, on the XXXX, my bank tells me that I am over {$500.00} in debt! I was just buying groceries. They didn't post any of my transactions making it seem like I had more than I did and then they charged me overdraft fees. I went to pay for a cab and then my card was denied. I checked my account and saw what they did. I thought that they put a hold on my account since some payments didn't go threw. I knew that I was getting paid in a couple of days so I didn't sweat it but even that was a lie. They blocked some transactions but let others go threw while I wasn't monitoring it so they could charge me more overdraft fees. They charged me 11 times for overdraft fees for purchases I made a week ago that are just now coming up. All together it accounts to {$380.00} dollars. The bank is Wells Fargo.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried logging into my Crypto.com account after being forcibly logged out of my account by the system. The phone number it asked me to verify was an old number that I originally used when I opened the account so it was an Italian number. So since I was unable to receive the code to the old number, i tried to change my phone number on the account in order to access it. It asked me to verify my identity with a government ID as well as a face scan, which I did several times but each time I did, it did not work. So I contacted customer service and they told me to do it again in the chat with them and I did but the chat crashed so I opened a new chat and got a different associate and explained my situation to them. They told me I couldnt change my number due to a jurisdiction issue because I was in XXXX originally and now I am in the XXXX so it was apparently XXXX different companies? I asked for clarification and they didnt clarify but they told me to create a new account and I could transfer my balance from my existing account into the new account so I tried to do that and it would not let me create a new account even though I uploaded valid government documents. It said it was associated with another account so it restricted me from making a new account and I tried to go back into the chat with the associate that told me to do that but he already closed the chat. So I opened a chat with a new person and explained everything again and they told me to just send them my documents to verify I am the account owner so I went them my drivers license and my most recent utility bill and they said they would reach out to me in a moment after reviewing it and they never responded after that. Tried a couple more times to reach someone through different avenues and they refused to do anything at all. My account that I was trying to get back into has about XXXX dollars sitting in it that I am not able to access due to a very poorly ran company thats essentially scamming people because apparently this has happened to many people before. Im considering lawyering up to solve this ridiculous issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Acima Digital, I am writing this letter for the second time to express my deep frustration and concern regarding the persistent presence of the account [ Account Number : XXXX ] on my credit report. The continued inclusion of this account is significantly impeding my ability to obtain a mortgage, and I demand its immediate removal from my credit history. 

As I explained in my previous correspondence, securing a mortgage is of paramount importance to me. However, the existence of the account [ Account Number : XXXX ] on my credit report casts a shadow over my creditworthiness and jeopardizes my chances of obtaining favorable mortgage terms. I can not overstate the urgency and gravity of this situation. 

I find it utterly unacceptable that despite my prior written request, Acima Digital has not taken any action to address this matter. Your inaction demonstrates a disregard for the severe consequences I face and raises serious concerns about Acima Digital 's commitment to customer service and ethical business practices. 

I demand an immediate and definitive resolution. Acima Digital must take swift and decisive action to remove the account [ Account Number : XXXX ] from my credit report without further delay. The impact of your inaction on my mortgage application is untenable, and I hold Acima Digital responsible for any adverse consequences that may result. 

It is your responsibility, both legally and ethically, to ensure the accuracy and fairness of credit reporting. I demand that you fulfill this obligation promptly, recognizing the urgency and the detrimental effect your actions are having on my financial future. 

Failure to comply with this demand will leave me no choice but to explore all available legal avenues to seek redress. I will not hesitate to report Acima Digital 's non-compliance to the appropriate regulatory authorities and pursue legal remedies to protect my rights and financial well-being. 

I expect an immediate response to this letter, confirming your commitment to resolving this issue and providing a detailed plan of action for the removal of the account [ Account Number : XXXX ] from my credit report. Transparency and clear communication throughout this process are essential. 

Given the time sensitivity of my mortgage application, I anticipate a swift and satisfactory resolution within [ specify a reasonable timeframe, such as 10 business days ] from the date of this letter. Your urgent attention and proactive measures are crucial in rectifying this situation and restoring my confidence in Acima Digital 's commitment to customer satisfaction. 

I demand a prompt resolution to this matter, demonstrating your dedication to correcting the harm caused by your previous inaction. I expect nothing less than a swift and comprehensive response from Acima Digital. 

Sincerely,
Product: Debt collection

I have been disputing a medical bill that was paid. I wrote to the Collection Service Center on XX/XX/2018 and XX/XX/2018 after prior correspondence with the medical service, XXXX XXXX XXXX. 

On XX/XX/2018, I was billed by XXXX/XXXX  for dates of service : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/2018 in the amount of {$150.00} which I paid on my VISA card number XXXX XXXX XXXX XXXX, which was charged to my account on XX/XX/2018. See the attached proofs showing the bill, the payment and charge to my debit account. 

Therefore my account was paid up to XX/XX/2018. The bills from XXXX/XXXX never show this payment as a credit towards the account. 

I had additional treatments on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/2018. That is 6 sessions at {$77.00} leaving a balance of {$460.00} due. I authorized payment on my card for this amount, and showed proof of the second charge to my HSA account for this amount. This has since been paid, therefore, no further payment is due. 

The medical service billed me again for the dates of service XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/2018 after I paid them on the original bill they sent me. 

The collection service responded to me on XX/XX/2018 with a copy of a ledger that shows my treatments and a patient balance of XXXX. The ledger has a sub-ledger on the last page showing I owe {$530.00} which I continue to dispute. I have contended the ledger they send me is contradictory and makes no sense given the billing I received and paid. 

The collection service is proceeding forward against me for an account that was paid.
Product: Credit reporting or other personal consumer reports

I contacted XXXX about my loan. My credit report ( XXXX and Equifax ) indicated that I have a balance. I was told it was not updated in my credit report due to a suppression placed on my account. XXXX advice me that the Suppression on my account would be lifted in XXXX. I filed a Dispute XX/XX/XXXX with the credit bureaus that my account from XXXX was reported incorrectly. 

I contacted XXXX again after I didnt see any change and the results of my Dispute XX/XX/XXXX came back stating account was accurate. I spoke a XXXX representative who noted that I called previously. I was told that they are unable to remove the suppression until they get the okay to do so. When that will happen, I was told it will take a long time. They told me to contact the Department of Education. 

I contacted the Department of Education about my account with XXXX being in Suppression. I was told there must be a misunderstanding on XXXX part because my account was transferred to XXXX ( paid in full ). I went back into my credit reports and filed a new dispute XX/XX/XXXX. As of XX/XX/XXXX, it is still under investigation. 

Here is the timeline. My loans were transferred XX/XX/XXXX from XXXX to XXXX. XXXX reported on my credit report : XXXX, Equifax, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Next, loan was transferred from XXXX to XXXX. XXXX reported on my credit report : XXXX and Equifax state Open/Never late, Balance of {$100000.00}, last reported XX/XX/XXXX. Last, XXXX was transferred from XXXX to XXXX. XXXX reported on my credit report : XXXX, Equifax, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Loans forgiven XX/XX/XXXX XXXX I logged into the XXXX account. On my account it stated {$0.00} and closed. I provided screenshots of all my reports.
Product: Credit reporting or other personal consumer reports

Earlier today, I found unauthorized inquiries on my credit report, and I can't figure out why. When I usually check my report, everything is fine, but this time I found these discrepancies. I refreshed my browser hoping it was an error, but the unauthorized inquiries stayed there. I'm requesting a detailed review of the documents I've sent to prevent this from happening again and finally put this issue to rest.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

In XXXX I sent a dispute letter to Experian, XXXX, and XXXX regarding inconsistencies on my credit report. I asked them to investigate and never received a response, and the information was never taken off of my credit report. I have sent several requests since XXXX, and with no luck. This is a direct violation of my rights according to the Fair Credit Reporting Act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

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

The ITEMS listed below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unconfirmed & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to properly investigate the matter by using a third party as their verification provider. I've tried to address this directly with XXXX Credit Bureaus, but despite my efforts, they have been willfully negligent and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$2.00} ; XXXX XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00}.
Product: Debt collection

THIS ACCOUNT IS NOT MINE. EXPERIAN IS NOT DOING DUE PROCESS ACCORDING TO LAW TO GET THIS REMOVED OFF MY CREDIT FILE. THEY ARE MERELY USING E-OSCAR AND NOT CONDUCTING A INVESTIGATION. I HAVE PROVIDED POLICE REPORTS, IDENTIFCATION DOCUMENTS, AND FTC AFFADAVIT AND EXPERIAN STILL HAS THIS LISTED ON MY CREDIT FILE AND IT IS NOT MINE. IT IS AN RESULT OF IDENTITY THEFT.