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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX 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

If you look at Complaint XXXX that was closed yesterday, you will see that Chexsystems stated that they fixed my report and sent an updated copy to me. However, that was a lie. They sent a letter to me stating that the information would remain on my report and they also did not include and updated report with it. That is a clear violation of the FCRA. I have included the letter sent to me that shows that they lied about how the situation was handled.
Product: Credit card or prepaid card

A payment of {$2600.00} was made on XX/XX/2023. This was over the minimum payment due. This was not applied to the larger interest rate of 20.74 % but instead to a lower interest rate balance of 6.99 %. The Citi letter response is factually incorrect, they applied the payment over the minimum to the lower interest rate balance, and charged interest over 20 % for several weeks. Their statements clearly show these itemized charges of interest at the higher rate, which is in contradiction to what they stated in their response letter.
Product: Credit reporting or other personal consumer reports

This is the letter i wrote to toyota financial and their customer service said this was the only way to get response and she promised within 30 days. It has been over 60 days still no response and they have put false information on credit report without informing me. The letter contains all the details below Subject : Urgent Complaint Regarding Unfair Charge-Off on Credit Report Dear Toyota Financial Services , Full name : XXXX XXXX Account number : XXXX Vin number : XXXX Year, Make, Model : XXXX XXXX XXXX XXXX XXXX XXXX  other other ) Cell : XXXX Email : XXXX My name is XXXX XXXX XXXX I hope this message finds you well. I am writing to express my deep concern and frustration regarding a recent issue with my account that has significantly impacted my credit standing. 
I had a total loss incident with my vehicle covered by your gap services, and I promptly initiated a claim. Throughout the process, I contacted Toyota Financial Services multiple times to inquire about the status of the gap claim. Unfortunately, I was informed that the initial check was lost, and a new one would be reissued. 
Despite my repeated attempts to get updates, the gap claim took an unreasonably long period of 4-5 months to be processed. To my surprise, I later discovered that the gap coverage did not fully address the outstanding balance, leaving me with an unforeseen {$5000.00} owed. 
What adds to my frustration is the lack of communication regarding this outstanding amount. Despite making approximately 10 calls to your customer service, I received assurances that the matter was still processing, with no mention of the outstanding balance. I was promised a call to notify me when the processing was complete, but regrettably, that call never came. 
To my utmost dismay, I recently discovered that Toyota Financial Services has reported this as a charge-off on my credit report without any prior communication or notice. This not only adversely affects my credit score but also puts me in an unjust and challenging situation. 
I am seeking immediate resolution and request a thorough investigation into this matter. I insist on the removal of the wrongful charge-off from my credit report, as it was a result of a lack of communication and mismanagement on Toyota Financial Services ' part. I believe in fair and transparent financial practices and trust that this issue can be resolved promptly. 
I appreciate your urgent attention to this matter and look forward to a swift resolution. Please give me a call or email me at earliest convenience so we can resolve this matter. 
Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to AMEND or RESOLVE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payments. Despite sending inquiries over 30 days ago, I've received no response or adequate validation. I'm seeking your help to resolve this issue quickly and effectively.
Product: Checking or savings account

on XX/XX/XXXX i went to use my debit card and it said i had insuffencent fund, i checked my account and it was negative XXXX, i called and spoke to an agent that said the mony was took out because i previousley used an atm and it did not take the monwy out of my account at the time of withdraw, so i went through all of my transactions even though i knew that these couldnt be and to no suprize i never withdrew XXXX that was not deducted from my account, ive spoke to so many diffrent agents who agree with me and say my funds will be put back in 24, but never are and only to email and call more to hear the same thing over and over ive tried to file a dispute only to be told i cant file a dispute.i am on a very low fixed income so i would know if this matter ever accoured.i have XXXX children at home and im getting no where with chime.i just need my XXXX they took please help me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporing act XXXX Account XXXX, has violated my rights. 
15 US.C 1681 segion 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions.
Product: Consumer Loan

I purchased a car using Coastal Credit LLC. I lost my job and fell a little behind. 43 days to be exact. It was n't even XXXX payments, it was XXXX and a half payments behind when they repossessed the car. It 's been just under a year and I 'm trying to make payments. I have paid {$120.00} a month for the past 3 months in which they are taking. I called them to get a bill mailed to me and they said the payments I 'm making are n't enough and they are taking me to court. They also said I could pay {$120.00} a month for the rest of my life and never pay the debt because it is going straight to interest. So basically, my {$11000.00} loan is going to haunt me forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian and XXXX on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I do have a loan with SPS XXXX # XXXX. This is my PR. During pandemic and lock down we got a deferred payment on our mortgage. XX/XX/2021 we got a letter from lender ( SPS ) that they are going to put our last 12 month mortgage payment in a deferred account and when we decided to sell or home it will be paid at pay off. Since than I have been in contact with SPS and requested to please reduce my mortgage interest rate, since during the pandemic my interest rate has been adjusted to 4 % and my mortgage payment with up. I asked lender ( SPS ) to do a loan Modification to help. After 6 month I have received a letter that the put me on a repayment plan!!! with that plan my payment has been increased more than a {$1000.00} a month!! I told them how you came up with this solution!!! " I asked to reduce my payment not to increase my payment!!! They have took the deferral payments ( Payments during pandemic and lock downs ) and added to my mortgage payment. and when I asked them I asked to do Loan modification, I got a letter that we can not reduce your mortgage amount. I never asked to reduce my mortgage amount All i asked to reduce my rate to 2 % and give a fix long term loan. 

Please help me, I really don't understand what these people are thinking, I tell them I can not make my regular mortage payment, than they increase my mortgage payment a {$1000.00} more! My loan was modified once with a rate of 2 % and why now they tell me my loan is not qualified?? it was qualified once, what happened now that it is not qualified again!!! I have never had a chance to speak with my relationship XXXX, always spoke with customer service and unfortunately they were not a help. 
This is my only home and do have an elderly living with me too. the amount of stress and anxiety this lender cost me is unbelievable. We have gone through alot due to this pandemic and have lost a lot. 
Please help. XXXX bless.
Product: Checking or savings account

Penalties acquired due to oversight of account from Wells Fargo
Product: Consumer Loan

Kindly treat this as a formal complaint about the unethical loan practices I recently experienced. I took out a loan with First Financial Services back in XXXX. I was later involved in a serious XXXX accident in XXXX, in which I failed to continue making the payments and had no further contact with this company. I recently received a notice from my place of employment that First Financial Services has issued a garnishment against me to repay this loan. 
My wife contacted First Financial Services yesterday and spoke with XXXX. I 'm not sure what was discussed between the XXXX of them, but my wife conference called me at work. XXXX said she had my file and discussed that I borrowed against a XXXX XXXX XXXX. The last communication she had was on XXXX XXXX, XXXX when I told her that I was involved in a XXXX accident. I asked her why am I now being contacted on a charged off debt. She laughed and said because she found me ... XXXX also mentioned that a deputy served papers to my address and obtained a signature. I advised XXXX that I never signed anything. The address on the court document is a residence we moved out of 3 years ago. I had n't lived at that address in over 3 years and do n't know who occupies that residence. She said it did n't matter and what matters is that she has a signature and she found me.
Product: Credit card

I started calling Fifth Third Bank at XXXX on XXXX/XXXX/15 I attempted XXXX times to logon to my account and it would not. Hence I attempted to reset my password on the third attempt and it failed. I called the toll free customer service line XXXX XXXX times and XXXX XXXX times but to no avail was I able to reach them. Their customer service center was not to close until XXXX or XXXX. I ended at XXXX because I needed to pay my credit card at least something at {$100.00} until Fifth Third Bank attempted to resolve the financial mismanagement problem. Again XXXX XXXX and his XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are involved in this scam.
Product: Credit reporting or other personal consumer reports

These Companies violated my rights to privacy, I have not showed me proof of original agreement and has negative accounts on my credit report. I gave no permission to or signed any contract for.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send NISSAN MOTOR CREDIT ACCEPTANCE CORPORATION a letter asking to verify an account reporting on my credit asking them to send documentation with my name XXXX XXXX proving that indeed I owe the alleged debt for this charge off. They reply with a letter saying they will not investigate violating my rights under section 623 of the FCRA. The FCRA is very specific if you can not prove it you must be delete it. attached I am sending the letter I sent them and the one they sent back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION REPORTING INACCURATE INFORMATION THAT I HAVE NO KNOWLEDGE OF PLEASE REMOVE
Product: Debt collection

GB collections sent us a letter in regards to their client, XXXX XXXX XXXX. This is insurance paid through our payroll through XXXX. After I received this letter I contacted XXXX and they said I have nothing to worry about. I explained to GB what was going on but they did not listen. They have continued to call and send letters every three days. I did our due diligence and gathered all the information from XXXX and faxed it into the office of GB and they continue to still call and send letters. 

I called the morning of XX/XX/19 to after receiving a final demand threatening letter to find out why they were still contacting us. I explained that we had faxed into the office the documents XXXX old us to send into them. We are still paying for this service through our biweekly payroll. I tried to ask why the office was contacting me as we did their job and gathered their documents they were requesting. Before this office hung up on us and now is avoiding our phone calls they said our documents were incomplete. They never called or sent a letter to let us know the documents were incomplete. XXXX sells this insurance and told us we sent GB the correct information. 

As the FINAL DEMAND threatening letter was sent us today and we called within XXXX minutes to make sure this was resolved and now they are avoiding our phone calls. This is very unprofessional and this office should not have the license to collect debts if this is the office 's behavior. We have tried to address the issue and gathered the documents they needed to resolve this issues.
Product: Mortgage

Received a modification in XXXX/2021 and started falling behind as the payments increased to approximately XXXX from XXXX. I was foolish to have accepted the offer! 

I have tried 5 times a request of loss mitigation and have been offered a deed in lieu which I have not accepted. 
My grievance is that the mortgage was modified to an increased amount based on my existing salary which was lower than it is now. 
I now have a 2nd job and earning more and the company says I can not afford my home- then how did I qualify for the modification! They want my home!!! 

This company is not willing to work with consumers to stay in their homes. 
I have tried to catch up as much as I can paying almost {$17.00}, XXXX in an attempt to get caught up! 

Can you plead my case to this lender? 

Please help me! 

Thank you!
Product: Credit reporting

I sent them a police report case # XXXX confirming ID theft that has continued from XXXX ID theft ( or a new case of ID theft ). With items that did not belong to me. They did remove some items, but have not removed all items. I also sent them copy of bankruptcy papers from XXXX County courthouse advising the XXXX bankruptcy was dismissed at the fault of attorney ( and the judge noted in documentation i sent to them advising the attorney was at fault why bankruptcy case # XXXX was dismissed. The XXXX bankruptcy case # XXXX that showed filed by me XXXX/XXXX/XXXX ( WAS NOT FILED BY ME ) and in fact by the attorney ( I NEVER CONSENTED TO THE XXXX CASE FILED ). PLUS I SENT THEM COPY OF BANKRUPTCY FILE THAT STATES THE JUDGE ADVISED AND SCOLDED ATTORNEY FOR FILING A XXXX BANKRUPTCY WITHIN 180 DAYS ( WHICH BROKE BANKRUPTCY LAWS AND RULES OF THE 180DAY RULE FOR FILING BANKRUPTCY IN FLORIDA ) THE BANKRUPTCY PAPERWORK FURTHER STATED THAT THE JUDGE SUBJECTED THE ATTORNEY TO A " SHOW CAUSE HEARING '' IN REGARDS TO THE CASE IN WHY HE SHOULD NOT IMPOSE FINES AND/OR INCLUDING REVOKING ATTORNEY 'S LICENSE WHICH PROVED I NEVER CONSENTED TO XXXX BANKRUPTCY AND THAT SHOULD HAVE BEEN EASY TO VERIFY GOING ALSO ALONG WITH BANKRUPTCY LAWS FOR FLORIDA STATING THAT A XXXX BANKRUPTCY CANT BE FILED WITHIN 180DAYS FROM ONE ANOTHER. EQUIFAX ACTUALLY REMOVED THE XXXX BANKRUPTCY AND FOR SOME REASON ADDED IT BACK FEW MONTHS LATER WITH NO EXPLANATION AS TO WHY, NEITHER OF THEM SHOULD NOT BE ON MY CREDIT REPORT. I ALSO SENT NOTORIZED LETTER IN XX/XX/XXXX IN WHICH I ASKED UNDER FRCA SECTION 609 FOR THEM TO PROVIDE ME AN ORIGINAL CONTRACTS BEARING MY SIGNATURE OR DELETE AND THEY REFUSED TO DO SO. WHEN YOU CALL YOU SPEAK WITH SOMEONE IN XXXX WHO TRANSFERS YOU ALL OVER THE PLACE OR EITHER DISCONNECTS THE CALL.
Product: Credit card or prepaid card

so I called a few months ago and talked to XXXX about closing one my accounts and moving over the credit limit to my other account. there is XXXX credit limit and I am trying to move it over to my other my I 1st called about it they said they would cover move over XXXX because they have to keep my old account open with a XXXX just in case in charges come in but XXXX told me if I can can keep the account at a XXXX balance for XXXX straight billing cycles and not use at all they would be able to move the whole XXXX limit over. So I did that what XXXX advised me to do and I called customer and they were like you can only move over XXXX just like before and this is what a manager told me over there so I escalated back to the corp office and got this really rude lady named XXXX who we can only move over XXXX and that's the way. it is. I am upset I did everything XXXX told me to do and now they refuse to honor what there Cooperate office employe advised me to do and XXXX was really rude on the phone and hung up on me. I want what I was perviously told by XXXX and they are making excuses and XXXX was basically lying to me and did want to do XXXX advised me to do. I want my XXXX moved over from XXXX to XXXX and to close my XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is collecting an account for  XXXX . I have never had an  XXXX  in my life. I can find nothing old on my credit report th at may have  been purchased by  XXXX  ..or c hanged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Titan Receivables is reporting a debt on my credit file that I do not owe. I recently looked at my credit and noticed this debt reporting. This debt is very old and is past the statute of limitations in Utah and it is also past the credit reporting limit. Reporting this account on my credit is a violation under the FCRA and the FDCPA. Yo umust remove this account from my file. I will also inform you that if you office have or continue to report invalidated information to any of the three major bureaus, this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by Titan Receivables I will not hesitate to file for legal suite for Violation of the FDCPA.
Product: Checking or savings account

I deposited an official check for {$100000.00} on XXXX XXXX, 2023 at Truist Bank in XXXX, Georgia. The check was from XXXX XXXXXXXX XXXX XXXX  XXXX ). XXXX honored the check the next day, XXXX XXXX, 2023 However, Truist kept a hold on the check until XXXX XXXX, 2023.
Product: Credit reporting or other personal consumer reports

I am writing to alert you to the inaccuracies in my credit report, specifically concerning the dates associated with my accounts and the company policies regarding late payments. 

Upon reviewing my credit report, I noticed that XXXX points were deducted on XX/XX/year> due to a XXXX late payment by Ally Financial. This information is inaccurate, as I paid on time within their XXXX time frame. My payment history should accurately reflect that my account was not XXXX  days late on that date. Additionally, I would like to address the lack of communication from Ally regarding their policy on late payments. 

On XX/XX/XXXX, my car was recalled, and I was at the dealership for an approximate month. I contacted Ally requesting an extension of my payment due to my care for my credit history. They declined the extension and informed me that no adverse reports would be on my report unless " XXXX  days pass due. '' My missed payment was on XX/XX/year> in the amount of XXXX I paid XXXX on XX/XX/year>, which covered the XXXX payment. At this point, I owe XXXX for XXXX. 

On XX/XX/year>, I made a payment of XXXX toward my past-due XXXX bill, leaving me with a XXXX past-due balance. 

On XX/XX/year>, I paid XXXX, XXXX, which went towards my XXXX past-due balance, leaving me with a balance of XXXX for my bill due on XX/XX/year>. 

On XX/XX/year>, I made a payment of XXXX, bringing my payment history current. ( There were some late charges that I would like to be reimbursed for ) According to Manager XXXX XXXX, whom I spoke with on XX/XX/year> at XXXX XXXX. my payment was considered XXXX  days late on XX/XX/year> because I made payment at XXXX XXXX, which was after hours. I asked XXXX to provide me with signed documentation stating this policy because it was not included in my signed documents from the dealership, and this was my first time hearing such a thing. He proceeded to tell me there wasn't XXXX. Clients should receive documentation regarding late payments to avoid late fees and negative reporting. Unfortunately, I did not receive such notifications, which contributed to the misunderstanding regarding my account status. I request a thorough investigation into these discrepancies by filing XXXX disputes. 

I would like Ally to correct these inaccuracies, remove the negative remark from my credit, and regain the XXXX points I lost due to their failure to provide their clients with important information. 

Thank you for your attention to this matter. I look forward to your prompt response.