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

Toyota Financial Services continues to violate the law claiming that the information they are furnishing is 100 % accurate and complete, when in fact it is not the case. Again, caught in a lie, I have uploaded the document where they show the balance that is owed. The amount owed on their invoice shows XXXX but on my credit report with XXXX it shows {$9200.00}. Clearly, they are not reporting 100 % accurate information, and I demand that they remove the account immediately from my credit report. They continue to play around and justify their incorrect reporting, but it seems that recently toyota got caught misreporting and tarnishing people 's credit report with incorrect information, straight from the cfpb website. 

https : //www.consumerfinance.gov/XXXX Specifically : Furnishing false data to consumer reporting companies : Toyota Motor Credit falsely reported customer accounts as delinquent for failure to make monthly account payments even though customers had already returned leased vehicles, and the company did not promptly correct the negative information it had sent to consumer reporting companies even though it knew it was wrong. Toyota Motor Credit also failed to maintain reasonable policies and procedures to ensure payment information it sent to consumer reporting companies was accurate.
Product: Debt collection

Dear CFPB, There are four Collections accounts on my three credit reporting agency reports that are either not mine or are reporting seriously incorrect information.

For example, on my XXXX Report there are CAVALRY PORTFOLIO SERV with an open date of XX/XX/XXXX ; XXXX XXXX XXXX with an open date ofXX/XX/XXXX ; XXXX XXXX with an open date ofXX/XX/XXXXand a XXXX XXXX with a open date of XX/XX/XXXX. XXXX   and XXXX have similar Collections reported.

Last year, I contacted the three Credit Reporting Agencies about these four collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agencies did not respond to my request for validation.

I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time and so I know for sure these are not my debt as currently reported.

I am extremely worried that these collections are either not my debt or have been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency After contacting the collection agencies and the three credit reporting agencies, I do not know what else to do. Can you please assist in me in getting these four erroneous collection reports removed from my three credit reports?

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My credit cards were stolen on XX/XX/2020. I received a fraud alert text from Chase Visa on XX/XX/2020 asking me if a {$1000.00} charge occurring at XXXX at that time was mine. I responded to the text that it was not my charge and that my card was stolen. Chase responded to my text saying that they would secure my account and send me a new card. Then I called Chase Visa fraud department immediately and explained the situation to them and that the recent charge was not mine. They said they would take care of the charge and remove it from my account, which they did. However, a few days later the charge was added back to my credit card account balance. I have contacted Chase Visa multiple times, the first by phone and then by email to a name given to me during the first phone call. The response to my first email was a request for a police report number, which I provided a few days later. I have not received any response since then and the fraudulent charge has not been removed from my account. My credit card bill is now due but I don't intend to pay the fraudulent charge. Although I did report the theft and fraudulent charges to the police, Chase is not allowed to require me to do that. Also, they have not give me any notification in writing of my rights regarding the fraudulent charge, what they will do about it, when they will respond, and the result of their investigation. I am very concerned that they will charge me interest and late fees on the charge, which they are not allowed to do.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, my wife and I purchased into XXXX XXXX in XXXX XXXX. They insisted on a down payment and suggested we apply for and use a XXXX XXXX XXXX through Barclay Bank. On XXXX XXXX, we realized that XXXX did not deliver on their promises so I called Barclay and disputed the charges of {$3900.00}. I explained that I purchased a product/service from XXXX and did not receive what was promised. Barclay recorded the dispute and I got a letter from them stating that they would be investigating the dispute, on our behalf, and issued a credit for the charges. I also told them that an automatic monthly payment to XXXX was scheduled on this XXXX and that they needed to stop that too. They said they would. 

I never got my card from XXXX and in XXXX, I got a bill from XXXX with the charges put back on along with the XXXX payment charged to the card which not put me over my credit limit. I called Barclay again and XXXX, Dispute Advisor, said that I was misinformed because there is no way to stop an automatic payment schedule and that I would have to close the account to keep further payments from charged to the card. So I did that. Then he said he does n't understand why the charges were put back on the card because he does n't see that XXXX responded to their inquiry. So he said he would resubmit the dispute and that I did not need to worry about making any payments. Keep in mind that I still have not gotten my card and I have not used it at all. 

I get another bill with interest charges, a late fee, and an over the limit fee. I call them again on XXXX. I talk to XXXX this time. She says XXXX did respond and showed my signature for the original charges. I explain to XXXX now that I did not receive what I paid for and that is why I am disputing the charges. She then claims that a questionnaire response was sent to me. I did not receive any other correspondence from Barclay. She said she would send out another one and to give it 10-15 days. I still have not gotten the document. 

Last week, got an email alert that my credit score has gone down because Barcley reported a delinquency to XXXX. I called Barclay today, XXXX and they informed me that their computers are down and that I need to call back tomorrow. 

I have spent several hours of my time on this issue with Barclay that I will never get back. I am a XXXX XXXX XXXX and my wife works for a XXXX and this experience shows Barclay 's  nonexistent customer service. I just want our credit restored, these charges removed, and this matter be put behind us.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several mortgage inquiries on my credit report with Transunion, XXXX, and XXXX that I did NOT authorized. I never applied for a mortgage. 

I pulled a copy of my credit report and contacted the companies that made the inquiry and they had no record of me. And I was advised to file a FTC report. 

Please investigate the following inquires for removal. 

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

XX/XX/2023, I received an email from Capital One stating that they received an application for credit and would be contacting me shortly. i did not submit an application for credit. I also received a notification email from XXXX about the inquiry for credit. 

I immediately contacted the ( 3 ) main credit bureaus to report a fraud alert ; I contacted Capital One, which they stated they would send the application for credit to their fraud department ; and I submitted a police report online. 

XXXX Credit Bureau stated for me to still contact FTC and make the report, which is why I am providing this information. All three credit bureaus do have a fraud alert on the accounts for one year.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

We purchased a product which was financed under a promotion that qualifying payments would not incur interest charges. Once the product was purchased, we enrolled in auto-pay for an amount recommended by the lender. Without notice, we received deferred interest almost doubling the amount owed because the time period for the promotion had expired. I received no emails nor notifications warning of the deferred interest. Had I known the proposed amount for auto-pay was insufficient to pay the balance in full before incurring interest, I would have upped the amount paid monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2019 RE : Hard Credit Inquiry Removal Request I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/2019, I received a copy of my credit report and became aware of many inquiries that I did not authorize. They are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed. 

Thank you for your consideration in this matter. Should you need to contact me, my email address is XXXX and my telephone number is ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting

Received a letter of denial for a rental application with " Check Writing History from XXXX '' sited as XXXX of the XXXX reasons. When I contacted XXXX via the number provided on the denial notice they looked up all of my information and said that there was " nothing negative or outstanding '' under my name, social security number, or drivers license number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is equally directed at XXXX reporting agency, XXXX reporting agency, and XXXX Reporting Agency. 

In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights.

Under 15 USC SEC.602 ( a ) states I have a right to privacy.

15 USC 1681 SEC.604 ) A ) Also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 ( b ) 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: Mortgage

Ocwen Loan Servicing is continuing to report a mortgage that was paid off in XXXX 2014 as being active. It has paid off for XXXX months. I attempted to call them, could n't really understand what the call center employee was saying and then asked to speak to a supervisor. I was put on hold for a while and I finally hung up. This company has been a nightmare to deal with from the day they acquired our loan for servicing and they 're online and phone systems are difficult to navigate in the event issues need to be resolved.
Product: Debt collection

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection/Chargeoff at Jefferson Capital System XX/XX/year>, under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard 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 all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud!
Product: Credit reporting or other personal consumer reports

THESE ARE NOT MY INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> PLEASE REMOVE THIS ON MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo insists on reporting information they know is false despite multiple requests. XXXX XXXX and XXXX report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.
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. Equifax is required to authenticate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$900.00}
Product: Credit card

Hello, I had the following issues with my Chase account and card : ( 1 ) On XX/XX/XXXX, I sent a XXXX to a friend for {$80.00} that I owed her. However, it was sent to the wrong account because my friend had changed her phone number, and Chase never warned me that she had changed her phone number even though I had updated her contact information. We tried to rescind the transaction on XX/XX/XXXX, but Chase did not issue me a refund. I had submitted a few claims with Chase, but my {$80.00} was never returned. I wanted to recover my {$80.00} because I was not promoted with a warning of my friend 's number change before sending the XXXX, so I had no way of knowing that Chase did not update her number since other banks update the contact information automatically, and other banks also prompt the user with a message asking " are you sure you want to send XXXX a XXXX '' and I never received this promo before sending the money. 

( 2 ) On XX/XX/2023, I had cashed in a gift card for {$55.00} worth of points. I was told that it was emailed to me. The order number is as follows : XXXX. 

I have not received the gift card. 

I reached out on XX/XX/XXXX about this issue and was told my claim would be escalated. It was. Then, the person of higher authority told me to check back in a few days to give the system a couple of weeks. After doing so, he told me I would get my gift card. I never received the card. I reached out again on XX/XX/XXXX via email, and on XX/XX/XXXX, and I was told I would receive a follow-up call to reissue the gift card. I received the call. I was told my claim would be escalated and someone would get back to me. This never occurred and I still have not received my gift card.
Product: Credit reporting 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 authenticate 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. 
XXXX XXXX XXXX
Product: Credit card

Hi my name is XXXX XXXX and am currently writing to you because of a case that has been mishandled and given a false resolution for over 3 months. I had booked flight and accommodations but was unable to rendered services due to unforeseen circumstances. Citibank initiated partial refund but failed to resolve the remainder due to an oversight on there behalf. Multiple supervisors stated they have the necessary information needed to successfully resolve this issue but continue to hold me responsible for an XXXX charge in the amount of {$720.00}. Im seeking further assistance with this case due to the bank stealing funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres currently no bankruptcy record reporting on my XXXX XXXX XXXX Report, but theres a public record of bankruptcy XXXX  XXXXdischarged reporting on my Trans Union XXXX XXXX, and XXXX credit report. XXXX XXXX  report public records and bankruptcies to Trans Union, XXXX, and XXXX credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, For several years I've noticed a clear difference between the credit scores provided by Experian, XXXX, and XXXX  ( Experian is always rating my credit dramatically lower than XXXX, and XXXX  ). I suspect that it is because I do not take advantage of the Experian " Boost '' feature. This is unfair as, I believe, the 3 Credit Reporting Agencies should be using the same criteria to fairly rate consumer credit. 

A current example of what I'm speaking of my credit ratings, as of today ( XX/XX/2021 - a 60 point difference ) : XXXX XXXX - XXXX XXXX  - XXXX Experian - XXXX (??? ) Your assistance in addressing this would be highly appreciated.
Product: Debt collection

In XX/XX/year>, I moved out of an apartment managed by XXXX XXXX XXXX XXXX XXXX XXXX. Shortly after, I was notified of a charge for carpet replacement due to alleged pet-related damage. I disputed this charge, as I had the carpets professionally cleaned twice before moving out, and my service-trained dog does not use the restroom indoors. 

Since XXXX, I made multiple requests to XXXX XXXX XXXX XXXX for proof of damages, including photos or invoices. No documentation was provided, and the charge was forwarded to XXXX, who declined to cover the carpet replacement due to insufficient proof. Despite this, the charge was sent to Hunter Warfield, a debt collection agency, which began contacting me regarding this alleged debt. 

On XX/XX/year>, I received email confirmation from XXXX XXXX XXXX XXXX that the debt was not valid. Then, on XX/XX/year>, they confirmed they had contacted Hunter Warfield, who assured them this collection account would be removed from my credit report.

However, as of XX/XX/year>, this debt is still falsely reported on my credit. Hunter Warfield has also continued to contact me multiple times, even after the account was disputed and despite the debt being removed by the original creditor. In particular, Hunter Warfield called me several times in a row across multiple days, despite the debt being in dispute.

I am seeking immediate confirmation of the removal of this collection account from my credit report and a cessation of all further contact by Hunter Warfield.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXX when I was in school.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX  have been stolen XXXX. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX and XXXX  information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :