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

I have put in multiple requests against Toyota for their illegal acts of sending my personal highly sensitive information to a third party XXXX XXXX XXXX XXXX XXXX XXXX ). I want to ensure that this complaint focuses Soley on the fact that Toyota received my information due to a dispute placed to XXXX and once Toyota received such information, they placed ALL of my documents in an envelope with someone else 's name on it and that person XXXX XXXX reached out to my using my personal cell phone from the information received. XXXX also sent an email to a Toyota National Manager XXXX XXXX who on a recorded phone call confirmed that my information was sent to this unauthorized third party and verbally told me how sorry she was, but she could not confirm XXXX was the only person to receive it. There is evidence, however, I am under a federal lawsuit against XXXX and unable to attach here, but if the CFPB requests the information I will ensure to send quickly. This company violated my rights as a consumer, their own policy, and federal laws.
Product: Debt collection

There account Reporting from DISCOVER FIN SVCS LLC is all ready paid. Can you please help me remove it, is affecting my credit Records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this document to Transunion and they are saying they have not received my document I would like the bankruptcy XXXX to be remove from my credit report.
Product: Student loan

On XX/XX/2020, I submitted a payment to pay off the remaining balance of my Fed loan XX/XX/XXXX for {$190.00}. The auto debit payment of {$120.00} for that loan scheduled for XX/XX/2020 pulled from my checking account even though the loan was paid off because the {$190.00} did not post until the same day. I have called on three separate occasions to have the {$120.00} auto debit payment applied to my highest interest rated loan ( 1-13 ) since XX/XX/XXXX has a XXXX  balance and it has still not been applied to the account as of today ( XX/XX/2020 ). The latest representative says that the payment was applied on XX/XX/2020 to loan XX/XX/XXXX, but my account online does not show that this is the case and interest has accrued on the balance since XX/XX/2020 when the funds were originally withdrawn from checking account. From my end the money has not been applied and not been refunded, I have no email or hard copy mail that states otherwise. This money has been taken from my bank account and has not been applied to my loans. Please fix immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX & XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Debt collection

XXXX XXXX on behalf of Transworld Systems contacted me at work at my work number. I have never given them or anyone permission or my work phone number to call me at my office. I instructed them to never call me again at this number.
Product: Credit card or prepaid card

I am writing to dispute a billing error in the amount of XXXX on my Chase Credit Card account. The amount is inaccurate because I signed up for a class that should have had 40 hours of interactive classroom training. I paid for a classroom format, XXXX XXXX   XXXX training that should have included 4 days of group activities, real world examples, Trainer notes sample question paper & case studies along with certification. None of these were received and I found out this company is a scam. This company immediately tried to reschedule the class. They claimed a medical emergency for their trainer ( 10 days before the class ). Unacceptable business practices. I am out the deposits on the hotel and the charge on my credit card. I signed up for a class ( and paid for it ) on XX/XX/XXXX and by XX/XX/XXXX 10 days before the event they were trying to reschedule it and/or move to a different venue. When I checked on XX/XX/XXXX I saw that you can still sign up for this class. I contacted XXXX which hosted the merchant at the venue ( https : XXXX ) and filed a complaint due to the fact that they had a 100 percent cash back guarantee. I filed a dispute with Chase Credit Services in XX/XX/XXXX to make sure that we would be able to recoup funds since the merchant is based in XXXX. Chase credit services has replied back saying that due to no response. I looked and saw that since I have paperless billing they had emailed me to ask sign documents and re-open the case which went to spam. The document said they that findings show the charge was valid because of a certification that I never recieved said certification. As of today XXXX I have not received a reimbursement for the class. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed are copies of email thread along w/ sales slips and payment records supporting my position. Additionally I provided merchants information about the event They operate under different alias as they conduct shady business practices. I also have show refund information from XXXX supporting my position and email thread from merchant to get refund. Please investigate this matter and correct the billing error as soon as possible.
Product: Checking or savings account

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] BMO Harris Bank XXXX XXXX XXXX XXXX, XXXX, IL XXXX Subject : Reimbursement Request for {$6100.00} Due to Account Fraud and Closure Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious matter concerning my BMO Harris Bank account, which has been under fraudulent activity and subsequent closure for the past XXXX years. I kindly request your immediate attention to this issue and seek your assistance in facilitating the reimbursement of {$6100.00}, which was unjustly taken from my account due to unauthorized transactions. 

I was alerted to this unfortunate situation in XX/XX/XXXX, when I discovered unauthorized transactions on my account statements. These transactions were carried out without my knowledge or consent, indicating clear cases of fraudulent activity. I promptly reported these incidents to your bank and followed the necessary procedures to safeguard my account. 

Despite my best efforts and the cooperation with your bank 's representatives, the fraudulent activity persisted, leading to the eventual closure of my account in XX/XX/XXXX This ordeal has caused significant financial distress and emotional hardship for me and my family over the past XXXX years. 

I implore you to thoroughly investigate this matter and take appropriate actions to rectify the situation. It is my sincere belief that BMO Harris Bank should take responsibility for ensuring the security and integrity of its customers ' accounts. I kindly request the reimbursement of the stolen funds amounting to {$6100.00} to be deposited into my new account as soon as possible. 

I have attached relevant documents such as account statements, correspondence with your bank 's representatives, and any other pertinent information to support my claim. Please review this evidence and treat this matter with the urgency and seriousness it deserves. 

I remain committed to resolving this issue amicably and look forward to your prompt response. You may reach me at XXXX to discuss any further details or to provide updates on the progress of my reimbursement request. 

Thank you for your attention to this matter. I trust that BMO Harris Bank will uphold its commitment to its customers and ensure a swift resolution to this unfortunate situation. 

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

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

FedLoan Servicing / PHEAA Legal Service Division has been contacting me for months AFTER I have proven that they do NOT have a contract with me. Their accounts were successfully removed from my credit file after all information was forwarded proving they are fraudulently attempting to collect a debt that they are unable to prove belongs to me. FedLoan Servicing / PHEAA Legal Service Division mails me numerous amounts of letters at a time and applied an administrative forbearance to suspend collections despite not having a valid wet ink contract with me. I have not requested an administrative forbearance with FedLoan Servicing / PHEAA Legal Service Division I requested the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM ( NOT COPIES ). This company has threatened me with their legal team and has not provided any valid documentation proving they are the HOLDERS IN DUE COURSE. 
FedLoan Servicing / PHEAA Legal Service Division has had several months to provide me with the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM ( NOT COPIES ) and each time has failed to provide anything of the sort FedLoan Servicing / Legal Service Division has NOT replied with a signed letter under penalty of perjury. 
FedLoan Servicing / PHEAA Legal Service Division has NEVER provided me with their Foreign Agent Registration under Title 22 U.S. Code 611. 
FedLoan Servicing / PHEAA Legal Service Division uses 3 different mailing address and ignores relevant mail from me. They have ignored my validation requests, non-response, cease and desist, and my notice of intent to sue requests. 
FedLoan Servicing / PHEAA Legal Service Division has no reasons to contact me any further.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX  XXXX Bankruptcy Federal Reference # XXXX XXXX  XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$290.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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, NJ XXXX XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX  XXXX BALANCED {$130.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report ( XXXX ). 
This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately .

Also, I am invoking my GOD given right as a consumer to exercise my right to Opt-Out of ANY communications the Creditor ( XXXX XXXX XXXX ) may have had or is having with and reporting to third party corporations ( XXXX, Equifax, XXXX ) XXXX This is part of the Privacy Act of 1974, in which my rights have been violated and needs to be remedied, as soon as possible.
Product: Credit card

I paid the wrong Citibank credit card by accident at the beginning of XXXX by {$9000.00}. There is a credit to my Citibank credit card in the amount of {$9000.00}. They have yet to send me a check for the credit after numerous requests and telephone calls.
Product: Credit reporting or other personal consumer reports

Transunion is fully aware that I am a victim of fraud they have multiple FTC affidavits on file showing this, Transunion repeatedly refuses to remove information off my credit report that is fraudulent, Today XX/XX/year> someone attempted to open an account with XXXX XXXX XXXX XXXX XXXX the account was NOT established, I contacted transunion the agent was useless, the agent refused to assist me this is unacceptable. The is a FRAUD inquiry have the inquiry deleted immediately remove the XXXX XXXX XXXX inquiry now!
Product: Debt collection

There is a bill from the emergency room visit. At the time of the visit, I was homeless and receiving XXXX and XXXX for insurance. Additionally, I was going through fleeing from XXXX  XXXX. So, I was residing in a confidential shelter. I qualified for Social Services offered, as well as other XXXX options. I told the personnel about my situation and was given assurance no bill was issued based on information as stated above. As of to date, I am on XXXX and have been since I moved to California XX/XX/XXXX. I was not aware of any bills until I recently received my credit report. I was surprised to see a balance from XXXX XXXX. I can assure you I was definitely receiving XXXX and XXXX. So, I am perplexed as to why I have an outstanding balance on my credit bureau. 

MESSAGE FROM BUSINESS : Dear Ms. XXXX, This letter is in response to an inquiry received at XXXX XXXX XXXX from the XXXX XXXX XXXX  on XX/XX/XXXX. The inquiry referenced your complaint regarding your Emergency Department ( ED ) visit on XX/XX/XXXX. Your concern is that the charges for this visit appear on your credit report, and that you were XXXX eligible at the time of service, Treviewed this visit and located the eligibility inquiry our registrar submitted on the XXXX website. Based upon the SS # and birth date provided at registration, it was determined you were not XXXX-XXXX  eligible on XX/XX/XXXX. ( Please see the attached copy for your reference ). Therefore, this encounter was considered a " cash '' account because there was no insurance to bill. XXXX-XXXX  eligibility was checked again in XX/XX/XXXX, and again was returned as not eligible. Please note the State of  California only allows one year from the date of service to check for eligibility, so currently we are unable to check for XX/XX/XXXX. 

Treviewed the physician 's dictation from this visit which mentions " patient is residing in her car  ''. Because of this statement in the ED dictation, I will consider this to qualify for our financial assistance program. Therefore, I have contacted the collection agency, XXXX XXXX XXXX, to cancel collection efforts and have this balance removed from the credit bureaus. A letter from XXXX is forthcoming to confirm this information and will be mailed to the address listed above. You can contact XXXX  directly at ( XXXX ) XXXX if a letter is not received within 2 weeks. 

Please note we consider this account to be resolved. 

XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccurate information present on my consumer credit report, which has adversely affected my ability to access credit and has caused significant disruptions in various aspects of my life. This letter serves as a formal dispute of the inaccuracies, a request for compensation due to the hardships I have endured, and an opt-out of the current agreement under the arbitration clause. The inaccuracies on my credit report have led to the denial of credit, impeding my capacity to secure vital resources such as reliable transportation for employment and stable residence. As a result, my family has been forced to move from place to place, causing substantial stress and instability in our lives. The denial of credit has had profound impact on my financial stability, limiting my employment opportunities and hindering my ability to provide for my family. 

The most current was with XXXX XXXX XXXX XXXX store credit under XXXX XXXX XXXX of denial do to this reporting of credit. 
In addition to the dispute and compensation request, I am formally opting out of the current agreement under the arbitration clause. I prefer to pursue other terms per applicable law in renegotiating terms to best of my benefit seeking compensation.
Product: Debt collection

In 2012 I took out a payday loan of around {$1000.00} from the " Cash Store '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX year old grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated US Code Title 15 and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out.
Product: Credit reporting, credit repair services, or other personal consumer reports

We keep receiving in the mail from XXXX XXXX XXXX our credit scores. They are very low. We have paid every bill and have receipts as proof of payment this includes, Housing, Car, and Credit Cards. My wife XXXX received credit scores of XXXX and one of them was from the company where we make car payments XXXX XXXX XXXX. We have made 54/84 car payments and our current on payments. We have made all credit card payments and current on payment. We have mailed the statements from the credit burea with a letter regarding FCRA violations not reporting payments and or inquiries. I think we need the credit bureaus and ourselves to show up in a legal setting so that I can bring all the paid receipts and file a formal complaint. The credit bureaus have also reported we have lived at addresses we never lived at.
Product: Debt collection

I was informed by a collection company that I have a rent debt. referring to a house that I have never lived in this location. 
they sent me the contracts and the signature on this contract is not mine. this is a forgery. I have proof that I was living in another location.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XX/XX/2021 I have been trying to get Transunion to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
accounts being dispute XXXX XXXX XXXX XXXX Opened XXXX {$210.00} XXXX XXXX  Opened XXXX {$410.00} XXXX XXXX Opened XXXX {$840.00} XXXX XXXX XXXX Opened XXXX {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed inaccurate & false information that doesnt belong to me, is fraudulent & affecting my credit profile. Therefore any accounts stating verified without physical verification of the original signed consumer contracts, any & all accounts posted on my credit report based off Section 609 ( a ) ( 1 ) ( A ) according to the FCRA are required by federal law to verify..
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the week of XX/XX/2019 I wrote a business check on XXXX XXXX to XXXX 's and it was declined by Certegy without a specific reason. My bank even wrote a letter to guaranty the payment of the check and it was still declined. Do not understand the reason for not accepting my check since my business has operated successfully for many years in the area and funds in the account were more than sufficient to cover the check. The bank is a relatively new bank in the community and they were unsuccessful in getting any information about why my check was declined. I have been unsuccessful in getting any information from XXXX concerning why my check was declined. XXXX 's was not helpful in the matter and said the decision was made by Certegy and they are required to follow their decision.