23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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  Balance : {$560.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

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Product: Debt collection

My complaint is regarding United Revenue Corp ... listed on my credit report also under TEXAS XXXX XXXX   for {$480.00}, {$1100.00} and {$1200.00} I have sent several letters disputing this debt and It was removed however it keeps popping up and the documentation they allegedly sent to the Credit Bureaus is a direct violation of my HIPPA rights. I would like for this debt and any additional debts from this company removed from my credit report immediately. It was removed and added back to my credit report and I was not notified with any documentation from the Bureaus or Creditors.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries have been made in my name without my knowledge or consent, leading to unauthorized access to my credit report and negatively impacting my credit score. I did not apply to these companies, nor did I authorize them to pull my credit. After noticing these inquiries, I contacted the credit bureau, and a representative assured me they would be removed. However, they are still on my report, adding unnecessary stress and frustration to my life.
Product: Credit reporting or other personal consumer reports

I LIVED IN TENNESSEE XXXX YRS AGO AND WAS NEVER LATE ON THIS ACCOUNT. I MOVED AND HAVE XXXX AS MY CURRENT INSURANCE. I WAS NEVER LATE AND SHOULD HAVE NEVER BEEN SENT TO COLLECTIONS.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Validation of Debt 1. Verification that the debt is valid.

2. Documentation of the original agreement.

3. Proof that THEY are authorized to collect this debt. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX and/or XXXX XXXX XXXX XXXX XXXX XXXX. 
I have thoroughly reviewed your response to XXXX XXXX complaint ( ID : XXXX ). Unfortunately, your explanation falls short in addressing the significant evidence provided and dismisses our legitimate concerns. 
I vehemently deny your decision to retain the disputed information. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 609, we formally request a reinvestigation of the inaccuracies and request that you review the supporting documentation more thoroughly.

I understand that, according to the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide the requested information. Failure to do so may result in the removal of the disputed item from my credit report.

It is disconcerting to note that despite recent settlements, as reported by the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ), for failing to ensure the accuracy of information, our concerns about inaccuracies on XXXX XXXX credit report remain unaddressed. 
Given the recent case settlement and the ongoing obligation to uphold the Fair Credit Reporting Act ( FCRA ), we urge you to reconsider your decision and conduct a thorough review of the discrepancies weve highlighted. We believe the inaccuracies on XXXX XXXX credit report are in violation of the FCRA, and we expect prompt corrective actions. Added to previous report that I have been directly affected as a victim by the recent high-risk data breaches, exposing over XXXX XXXX identities during the final quarter of XXXX. This incident is particularly alarming, considering its potential impact on public sector agencies. 



XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX. XXXX pulled in old data from my previous creditor XXXX XXXX - XXXX from XXXX  to lower my credit score by XXXX  points. 

XXXX. My mortgage bank ( 53rd Bank ) has inaccurately reported my XXXX mortgage payment showing a late payment when in fact I did make the payment. 53rd Bank raised my payment amount due to the rise in taxes and instead of starting adjusted payments in XXXX they started adjustment payments XXXX ( the previous amount was automatically withdrawn in XXXX. I started receiving calls in XXXX from 53rd Bank but their representatives were hanging up the calls when I answered. I called in to find out what's going in and learned that I owe an excess of XXXX dollars. I made the payment by phone which was never processed by their representative. I started to receive calls again from 53rd Bank and getting disconnected by thteir representatives. I called back in a second time and was told the payment is stil outstanding. I made the payment by phone a second time which was processed in mid XXXX. I filed a dispute with the 53rd Bank for their bad banking practices. This caused a 30 day late payment hit my credit report as well. A dispute with 53rd Bank is pending. A dispute with XXXX is still pending. 

Unfair banking and Credit Report practices from both institutions. I currently can not obtain a loan because of this,
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair privacy and confidentiality under 15 usc 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my right 15 u.s.c 1681 section 602 A. states i have to privacy. 15u.s, c 1681 section 604 section2 it also states a comsumer reporting agency can not furnish account without my writting instruction.
Product: Mortgage

We switched insurance companies and we received a refund on our prior policy premium. Bank of America ( XXXX ) asked to have this check forwarded to them so our Escrow account balance would not be low on or about XX/XX/XXXX. I signed and mailed in the refund check to XXXX. They returned the check since my wife did not endorse the check too. 
Inside of this returned check was a generic statement of why the check was sent back dated XX/XX/XXXX with our name. there was also someone else information in this envelope as our returned check was stapled to the information. The other individual paper work was the same generic letter dated XX/XX/XXXX which contained their name, address, and loan number. This is a violation of the XXXX XXXX XXXX XXXX. 
I contacted XXXX  on XX/XX/XXXX to find out more information in terms of if my information was sent out to the person 's information that I received or to someone else. The customer service rep had no information and stated that there was no other department or service that could assist with this matter. They did ask for me to mail back the other individuals information, which I will. With XXXX having access to valuable/life changing-threatening information and they can not and do not have a process to be able to track or tell me where or if my information has been breached needs to be addressed. A simple I am sorry from the customer service rep does not address or complete the process to address this issue. 

Looking on the internet this was the only government body to place a complaint, I could not find on specifically for the XXXX. If this is not the correct place to make this complaint, can you please direct me to that governing body? 

I do have copies of the information, but I will not attach to this part of the complaint.
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TD BANK N.A.. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

Federal Reserve reduced interest rates to zero. Interest rates for all types of loans was lowered by all banks. We have home equity loan with " floating '' rate that was supposed to reflect the general trend and Federal Reserve rates in particular. Yet our rate of 4 % is unchanged even in these Covid-19 circumstances. Moreover, after making {$1300.00} payment for principal last month our interest this month not decreased but increased from {$130.00} to {$140.00} ( XXXX! )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account from XXXX XXXX XXXX on my credit repoorts for the original Creditor XXXX XXXX XXXX MED CTR. This bill was for my father of the same name, except he is XXXX and I am XXXX. His address was forwarded to my address when he passed so there has been a lot of confusion with his accounts being mine because of address and same name, etc. The account was in his social security number. I have asked for it to be removed from all my credit reports stating that it was not mine, and also with the credit collection company. They have not. I have also asked for documentation where they think it is mine and documents with my social security number. I have done this multiple times. They have failed to provide such information. I want it removed from my credit report immediately. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account information : Partial account number : XXXX or XXXX How appears on report - TRANSUNION AND XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX ORIGINAL LENDER - XXXX XXXX XXXX Med Ctr XXXX XXXX XXXX Med. Ctr ORIGINAL BALANCE - {$3300.00} {$3300.00} CURRENT BALANCE - {$3300.00} {$3300.00} STATUS - Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department DATE ASSIGNED - XXXX XXXX, 2011 XXXX XXXX, 2011 ACCOUNT NUMBER - XXXX XXXX ACCOUNT HOLDER - Individual Individual DESCRIPTION - Account information disputed by consumer
Product: Vehicle loan or lease

On or around XX/XX/year>, Toyota Credit XXXX  Services repossessed my vehicle. They are now reporting a charge-off amount of {$26000.00} on my credit report. However, there are significant inconsistencies and issues with their handling of this account : 1. Inconsistent Reporting : The charge-off amount changes every time I submit a dispute, raising concerns about its accuracy and validity. 
They also report different payment amounts for the same months or for different months, making it difficult to track what has been applied to my account. 
2. Failure to Provide Documentation : Despite multiple requests, Toyota Credit XXXX  Services has not provided any supporting documentation for the reported charge-off amount. 
They have not issued a default letter of repossession or any itemized breakdown of how the charge-off amount was calculated. 
I have also requested a statement showing all payments I made, but they have failed to provide a clear or accurate record of my payment history. 
3. Negative Impact on Credit Report : The inaccurate charge-off on my credit report is preventing me from securing another auto loan, and the lack of transparency about my account status has made it impossible for me to resolve this issue effectively.

Desired Resolution : Toyota Credit XXXX  Services should : 1. Provide a detailed account history, including all payments made, fees assessed, and the calculation of the charge-off amount. 
2. Provide a default letter of repossession and any other required notices related to the repossession of the vehicle.

3. Remove the charge-off from my credit report entirely due to their failure to provide documentation and the inconsistent reporting practices. 

This issue has caused significant frustration and harm to my financial situation. I ask that Toyota Credit XXXX  Services address this matter promptly and fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Follow up on case XXXX and complaint with how it was handled. 

Experian responded that they need my authorization to move forward with complaint. Once I contacted them to authorize this, the representative told me there's nothing she could do and she hung up on me. 

Not only is this unacceptable, it's a demonstrated pattern as this is not the first time one of their representatives has done this. 

The previous addresses need to be removed as I have already shown documentation and proof that I do not and have not lived at any of those locations. 

XXXX XXXX needs to be removed because the Date last Active and Date of Last Payment is not consistent across the bureaus - which will cause it it to be reported longer than acceptable by law. 

XXXX  XXXX has the same issue with Date Last Active and Date of Last payment. 

For the Collection account XXXX XXXX XXXX I have already provided you correspondence DIRECTLY from the furnisher stating that they do not even recognize the account and have no record of me even in their system. This needs to come off. I am tired of disputing this when you have not even made an attempt to treat this situation justly. 

XXXX XXXX, Date last active and date of last payment for the credit card with the {$3300.00} balance same as above. 

XXXX date last active grossly incorrect. 

Attached you will see another copy of my 3 bureau credit report as well as another copy of the correspondence from the company you are keeping on collections.
Product: Credit card or prepaid card

I currently own an XXXX XXXX XXXX Credit Card. For the past year, I have not been able to log in online and access my account. I have called customer service and each time I speak to a customer care representative, the actions and answers to help resolve the solution have all been inconclusive with " technical glitch '' or " please contact customer care. '' All actions they advised and instructed were steps, I have done on my own as the website typical recommends and prior to calling Customer care. Representatives have also admitted to me, they " are working on resolving the online access. '' However, this seems to be false as it has been over a year since I have NOT been able to log into my account. Any attempts to reset my password, again, states, " technical glitch '' and to " try again. '' All attempts, consistently unsuccessful. 

On my last call with a customer care representative, in XX/XX/2023, after first requesting assistance to access my online account ( again ), I requested to reactivate and receive paper statements since access to my online account was not possible. The representative proceeded to state, the only way for me to reactivate paper statements is to login into my account. This clearly indicated the company and representatives position to keep customers out of their online account and making any changes. 

No confirmation emails, surveys or documentation to prove my attempts calling Customer Care at Comenity BankXXXX XXXX XXXX XXXX were ever sent from them to verify my calls or attempts.
Product: Debt collection

WF CRD SVC Partial Acc # XXXX, account # XXXX XXXX XXXX XXXX XXXX XXXX, IA. XXXX XXXX ( XXXX ) XXXX Charge-off doesn't supposed to be on a consumer report. The company owed me a 1099c, for debt to be discharged from my ordinary income tax. Wells Fargo has been using my taxes at the IRS. All of the Title 15 USC 6181 ( a ) ( m ) ( i ) through as being applied. 
XXXX XXXXXXXX XXXX ACT # XXXX XXXX, XXXX XXXX XXXX XXXX, NM. XXXX, The same thing with this company, the use of Charge-off companies is using the same thing on taxes 1099c where I can not be discharged because they are collecting tax. 
( XXXX ) XXXX
Product: Bank account or service

Money was taken out without my authorization in the amount of  XXXX  dollars a transcation transcation of  XXXX  in  XXXX  Delaware and one for  XXXX  in Wisconsin
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX XXXX XXXX Acct # : XXXX
Product: Credit card or prepaid card

Discover card advertized promotional rates and I applied. Got approved for {$4500.00} credit line. They run my credit which is excellent. I got email " congratulations, you card is in the mail '', than I received completely fraudulent request for my tax returns release from XXXX. I called Discover and they explained that they just implemented brand new policy of requesting tax reutrns AFTER they approve credit card. This policy is complete fraud. After all those security breaches at XXXX, XXXX, Credit Card acompanies and banks, you got to be completely insane to release your taxes to them. 
Most importantly, Discover DID NOT DSCLOSE PRIOR TO applying and running my hard credit check that they will be requiring my tax returns release. if they had disclosed prior to taking my application that they have new policy of requesting release of consumer 's tax returns thru recently hacked Equifax, I would have never applied. I requested they remove the credit check from my credit reports and they refused. I beleive this practice is FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago I disputed the following accounts in Hope 's that the credit agencies would of did the right thing by deleting them. However this will be my 2nd attempt to obtain the Method Of Verification for the following accounts if not please block the accounts from my credit report as stated within the laws of the FCRA. The 2 accounts are ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX XXXX