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

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with capital one that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXXXXXX XXXX XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. Lowes is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is Walmart, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.
Product: Debt collection

Not only did I not recieve any notice to dispute, after I paid the FULL amount to Amsher collection agency they told me it would be taken off my credit report in a couple of weeks, or I can write a letter to there supervisor and request for it to be taken off. It 's my understanding after I paid the debt ( which was wrongly in collections because of change of address and no phone calls or anything about the debt until Amsher took it over ) that it should be off my credit report in atleast 2 months. It has now been 3 months and I have contacted them several times for them to take it off while it still says " Open '' on my report. They keep telling me I have to write a letter to the supervisor to have it taken off.
Product: Credit reporting or other personal consumer reports

I filed complaint with you and you closed it after there comment now there lieing after a year please help it's obvious there lieing
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX {$0.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To : Whom it XXXX concern, I recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. My information was exposed in the XXXX XXXX data breach as well as the XXXX data breach. Aside from those facts I was incarcerated at the time these fraudulent accounts were opened. These fraudulent accounts are negatively effecting me. Please remove these fraudulent accounts from my report. I am disputing this with you directly. I have XXXX documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in XXXX business days of receipt. I received a letter stating my request did not include the required information for the fraudulent accounts to be blocked from my credit file. The documents required by law are XXXX. Proof of my identity ( social security card and drivers license attached ) XXXX. Specific information regarding the identity theft ( specifics provided above ) XXXX. A complete and submitted copy of my Identity Theft Report with the Federal Trade Commission. I appreciate your prompt attention on this matter and I await your reply thanks. 

- XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX afternoon. I need your help. I am having issues with Toyota Financial Services. I 've leasing vehicles since XX/XX/XXXX, with no any problems, sin I authorized the Bank to take recurrence payments, this way never I was going to be behind. The situation started sinceXX/XX/XXXX, when I went to the dealer to returned my old Rav 4, XX/XX/XXXX, with only 10,000 miles. The last monthly payment for this old account was withdrawal by Toyota Financial on XX/XX/XXXX, {$350.00}. At the end of XX/XX/XXXX I brought to the dealer my Toyota Rav 4,XX/XX/XXXX, Acct. # XXXX XXXX XXXX. I got my new vehicle Toyota Camry XX/XX/XXXX, same payments, same due date. The problem started here. Toyota Financial withdrawal onXX/XX/XXXX, {$350.00}, and instead to apply this payment to my new vehicle, Acct. # XXXX XXXX, the bank applied this payment once again to the old account for the vehicle that I returned at the end of XX/XX/XXXX. The dealer took care of the paid off, having XXXX balance. I sent via Certified Exhibits to the 3 Major Credit Agencies, since Toyota Financial sent a bad report against me, stating I was behind sinceXX/XX/XXXXup to XX/XX/XXXX. I submitted Exhibits showing receipts from Toyota Financial, statement from the bank and also Ref. # to prove that the bank is incorrect and I am correct. The 3 Major Credit Agencies contacted Toyota Financial Services, after the confirmed that I am correct and not behind, also asking the bank to apply theXX/XX/XXXX to my right account, since the bank applied that payment to my old NON existent account. This bad record was removed on my behalf. However Toyota Financial, just sent me a new bill for {$730.00}. I called 4 times, discussed this matter with 4 customer services, the names, XXXX XXXX other with ID XXXX they put me on hold never came back, every one have different statements, that I did not pay XX/XX/XXXX, I advised I 've the letter from Toyota Financial as receipt of my payment, the last one says I did not pay XX/XX/XXXX, I advised her I submitted to you guys Exhibits of each payments to my new Acct. she said we do not have nothing. Toyota Financial promised to the 3 Major Credit Agencies to update correctly the mistake, did not, because sent me a huge bill asking me to pay XX/XX/XXXX andXX/XX/XXXX $ XXXX, I paid XX/XX/XXXX already, the payment electronically has been submitted by XXXX XXXX, Toyota Financial received the payment onXX/XX/XXXX {$350.00}, XX/XX/XXXXpayment has been paid, and Toyota Financial still having it, refusing to move that payment to the right new account. I 've Exhibits, from XX/XX/XXXXup toXX/XX/XXXX, payments that Toyota Financial has taken and refused to upgrade my account.
Product: Vehicle loan or lease

- XX/XX/XXXX : I leased a car from Toyota. I successfully paid off all the lease payments on time. Except for once when there was a technical glitch on their system but the payments were immediately made- despite that they report my account to credit bureaus. 

- XX/XX/XXXX : I went to return the car to XXXX XXXXXXXX  XXXX XXXX. They tried to lease me another car and inflated rates but when I declined their offer- they refused to take back the delivery of the vehicle. Saying that due to Covid they didn't have parking space available for it. They asked me to come back at the end of XXXX by then there will be space. I told them that I won't pay any additional lease because I don't want to keep this car anymore. 

- My car was leased for XXXX miles for XXXX  years but I had only availed XXXX during this tenure. 

- XX/XX/XXXX the car was returned to XXXX XXXX XXXX XXXX. The delivery document was also received from them. 

- XX/XX/XXXX : I received a letter from Toyota that I have returend the car on XX/XX/XXXX and there are charges to be paid. These are all frivolous made up charges to which I never agreed. 

- All this time I have been reaching out to Toyota by phone and their online portal but they never attend these calls in the name of Covid and don't even return these calls. They did call me twice to collect the car but they never showed up. 

- XX/XX/XXXX : They send me another fraudulent bill adding lease termination charges. The fact is the lease came to end with all the payments made on time. {$560.00} for outsanding lease and {$380.00} for lease termination. Here 's an article of how Toyota is exploiting customers in the name of Covid https : XXXX - Internet is flooded with Toyota 's fraudulent malpractices, blackmailing consumers to continue taking vehicles from them or they slap them with these never agreed charges. I never applied for lease extension and in fact I had to pay three months of insurance from my pocket- which I want Toyota to pay me. 

- Toyota is harrassing me and spoiling my credit history with credit bureaus by wrongfully and fraudulently manipulating the contract that was ended and reopened with the extortive courtesy of credit unions. 

Other Toyota 's lillegal acitivities https : XXXX? XXXX https : XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX & EQUIFAX I received a copy of my credit report and I have found the following items listed with XXXX to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

I demand under FCRA : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes.

Thank you for your help in this matter,
Product: Credit reporting or other personal consumer reports

Barclays banana Republic XXXX was supposed to put my account in forbearance and my payments until I could pay it completely off. They did not and reported me delinquent of 30 days and 60 days in XX/XX/XXXX and XX/XX/XXXX when I paid them off in full, they gave me a payoff number, including all interest charged and confirmed to me that my payment would take me to a complete zero account and then I closed it. They however, held my payment posted against their policies on the next day and charged me additional interest because they held my payment. I contacted them. They credited me for the additional interest charge. They also tried to make me delinquent again after I paid them off They also reported to my credit report after I went to a XXXX balance and closed my account, reported me over my credit Limit and reported me over my credit balance on my credit report. I requested them to fix these deficiencies. They refused. I reported this to XXXX XXXX and XXXX XXXX the 30 day delinquency when I paid it off was corrected. They fixed my account to be paid off and a XXXX balance but they however, did not fix the delinquencies of XXXX and XX/XX/XXXX. I believe this company operates maliciously and Operates in bad faith. If you look at my credit history on my credit report, I have several open accounts most of them I have paid off and I dont have any bad payment history with any of them. This is the only bank that I have ever had an issue with I would like this corrected and fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because, I continually tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. The keep saying that the XXXX XXXX and providing them with the information. I have contacted them and they are saying my records are frozen and that no information is being sent from them. I contacted the court and they stated they don't even report to credit. It clear that one of these companies is lying. Especially since the credit bureaus were initially provided with documentation of an affidavit to report the identity theft. I work XXXX XXXXXXXX XXXX as a XXXX XXXX and me and my father share the same first and last name even our our middle name starts with the same letter. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!
Product: Debt collection

I was contacted by phone and requested the details on the debt in question and informed the representative that this bill was paid. She refused to give me any information other than the amount I owed to the university of Minnesota. I informed her I needed more information such as a copy of the bill, the account number, date of service, but she said she doesnt have access to that information. The payment was completed and they filed the inaccurate debt afterwards.
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT
Product: Debt collection

Company came to XXXX XXXX XXXX XXXX for a promotion cameras people everywhere signed up gave them all my information SNAP card and all was told to go to XXXX office to pick up my cable box also was told it would be {$9.00} a month but I would not have to pay because Affordable Connectivity Program, start getting a bill went to XXXX  store on XXXX three ( 3 ) times to get this situation straighten out even ask to speak with a manager was told not available he would call me back was told don't worry it would be taken care of meaning my bill never got a call back have sent them emails no respond will get an email asking me to bring my old cable box in to get a new one because I had stopped using it because it was not working. Months later account sent to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold our Property on XXXX. We ordered a payoff in XX/XX/XXXX to payoff the property due to selling the home. We made our XXXX payment on XX/XX/XXXX. as we always do each month. After we sold the home and paid off the mortgage we received an alert that we had a 30 day late payment on our credit for the month of XXXX. I spoke to LoanCare LLC on XXXX XXXX. concerning the issue. I explained to them I have the Confirmation email that the payment was paid. They stated they didn't see a payment was made and I should just dispute the late payment through the CFPB and the 3 Credit Bureaus as their internal dispute department would take up to 90 days. I need this rectified as soon as possible, so that is what I'm doing. I'm filing the dispute and reporting this error with the CFPB and the 3 credit bureaus. I am uploading the confirmation email I received on XX/XX/XXXX that I had made the payment. Thank you. 

Lenders Info : LOANCARE , LLC XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Validation letters were sent out to Wells Fargo on XX/XX/2020 certified mail and was received on XX/XX/2020. The FDCPA states the company must cease collection activity until you have produced verification of the alleged debt if so requested. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. But today XX/XX/2020 the auto loan account on my credit was charged off or closed.
Product: Mortgage

In XXXX of 2020 I received a letter from my insurance company stating they did not receive the payment. I called LoanCare on XX/XX/2020 and they stated that the check was returned however they had resolved it with the insurance company and my insurance wouldn't lapse. They said a check would be sent overnight to the insurance company. The payment was not received by the insurance company until XX/XX/2020. By that point they had already closed my account. I was not informed until XX/XX/2020 that I did not have insurance and I found out at that time due to receiving a refund check from the insurance company. I secured new insurance the following day. Loancare then charged my escrow account {$260.00} in XX/XX/2020 for the lack of coverage from XX/XX/2020 to XX/XX/2020. I spoke to multiple representatives on multiple occasions who stated that they were required to charge my escrow account, but that since it was their mistake they would refund the amount. I received a refund for {$110.00} on XX/XX/2020. I called the company once I saw the refund and spoke to a representative and they said they don't know why the refund was so little and that they would send the file for research and the rest of my refund would be processed within 1 week. As of today XX/XX/2020 I have not received the rest of my refund. I called and spoke to XXXX and he is now saying there would not be any further refund.
Product: Credit card

I was contacted by phone on XX/XX/XXXX, about being late in making payments on a credit card. After talking to this customer service person, I realized that this was fraud as I had never personally applied for a XXXX credit card from Ollo/XXXX XXXX XXXX in XXXX of XXXX, and in fact had never even heard of this credit card company. On XX/XX/XXXX, a fraud claim was opened up by Ollo. 

This account was eventually turned over to a debt collection company by the name of XXXX XXXX. I was able to get information from XXXX as to how access this account, important details about the account, and how to report fraud. 

I am filing a CFPB fraud report today XX/XX/XXXX, so that I can get this matter straightened out, mail this CFPB fraud report to XXXX XXXX and I hope to have the amount of {$990.00} removed from my credit score which is the amount that was racked up on this Ollo credit card on XX/XX/XXXX, in a U.S. state that I was not visiting at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. I sent a certified letter to Trans Union stating that XXXX did not notify Trans Union about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. Trans Union has disregarded my proof of XXXX XXXX XXXX  's violation of the law and refuses to remove this trade-line.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX