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

I am writing to request continued oversight and assistance regarding an unresolved dispute involving my account ( # XXXX ) with Toyota Financial Services. Despite a previous complaint and response, the account remains inaccurately reported as a charge-off, which has significantly impacted my credit score and financial stability. 

Background : In XX/XX/XXXX, my daughters car was involved in a no-fault accident and was totaled. Toyota Financial received an insurance payment, leaving a remaining balance of {$2200.00}. In response to a letter from Toyota Financial dated XX/XX/XXXX, I established a monthly payment plan of {$190.00} with Toyota Financial on XX/XX/XXXX. I adhered to this plan and submitted payments promptly, including a payment scheduled on XX/XX/XXXX. 

However, since XX/XX/XXXX was a holiday, the payment was scheduled to clear on XX/XX/XXXX. Without warning ( no phone or email ), Toyota Financial closed the account on XX/XX/XXXX, canceled my scheduled payment, and sent the account to collections, resulting in a charge-off. Following this, I settled through XXXX XXXX Solutions on XX/XX/XXXX. Despite this, Toyota Financial has continued to report the account as charged-off, resulting in a dramatic credit score drop and limiting my financial options. 

This sequence of events, including an account closure just five business days after the scheduled payment date, is irregular and suggests a potential mishandling of my account. 

Additionally, my payment record shows timely payments prior to this incident from loan inception, reflecting my commitment to good standing with Toyota Financial I am requesting that the CFPB continue to oversee this matter to ensure Toyota Financial accurately updates the credit report for both me and my daughter, removing the charge-off status and marking the account as Paid in Full without negative remarks. I believe this continued support is crucial, given the adverse financial impact this inaccurate reporting has caused and the lack of responsiveness from Toyota Financial.
Product: Mortgage

Ditech Financial sold my loan to a new mortgage servicing company without providing me with any notice. I received notice of the change on XX/XX/XXXX. The change occurred on XX/XX/XXXX. I called the new mortgage company and they have no record of my account. I tried to call Ditech and waited on hold for 15-20 minutes and no one ever did come to the phone. Ditech is also holding over XXXX of my money and the insurance companies money and has not released it so I can pay the contractor as my home is repaired from the house fire that occurred in XX/XX/XXXX. Ditech is a terrible company and basically does whatever they please. I am in the process of paying off my home loan. I have to wait until the due date every month to make the loan payment or they will put the money directly towards principal even if I make multiple payments for the exact payment amount. Last month I paid over XXXX on the loan. I currently owe XXXX on my loan and Ditech acts like they have some major interest in my house. They don't. My home is worth XXXX and their share is XXXX. Ditech is a bunch of crooks and should be put out of business. They are currently filing for bankruptcy so it looks like they are headed that way.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I reached out to Experian, XXXX, and XXXX to dispute inaccurate information on my consumer report. Unfortunately, there has been little to no action taken to address these issues, and the investigation appears to have been incomplete. The inaccuracies on my report remain unresolved, and according to the law, they should be deleted immediately. I also filed a report with the FTC, but no further action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and the associated attachments included in this complaint on XX/XX/2023 I submitted a complaint to Chexsystems about a inaccurate account that's currently reporting on my credit report I was told that the account was verified but I never received the method of verification according to 15 USC 1681i ( 7 ) Please see the following attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX. 


15 U.S.C 1681 section 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 furnish a account without my written instructions.
Product: Debt collection

I co-sign a student loan for a family member. They started to get repayment statements before finishing college. They tried to defend the payment but the bills continue coming and they unable to make any payment on the loan. That was back in XXXX. The debt was several time through out the years. XXXX XXXX XXXX XXXX XXXX has law suit against me to garnish my wage has the co-signer which I can not afford. I am a XXXX year apprentice program. 
This is a old debt that was charge off by the original company. If I had the money I would try and settle with them but I dont have it. Please advise if there is any other option I can take. I think it should be against the law for the practice of buy debt that has been charged off for pennies on the dollars to sue for these outrageous amount of money plus all interest for all these years.There is no protection for us against these debt buyers. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

With XXXX XXXX Credit Card they are showing late payments during COVId I moved hadn't gotten bills and asked the to remove the negative and they haven't it's 3 negative not payment history under 15 US Code 1666 late payment can be removed USAA is credit Card that I didn't open o had a family member who live with during the time rhat cards were opened and they obtained my information and got the Card ran them up then left I need this removed as they have been Charged off with 15 U.S. Code 1681 C-1 Section 604 A and section 605 B C-2 the laws protect against stolen identity I would like to have them removed for employment purposes I work hard to keep my credit afloat
Product: Mortgage

XX/XX/2020 my property had a sewer flood. I reported an insurance claim for collection on homeowners policy. The insurer issued payment for repairs to be made to property from my homeowners policy in the amount {$62000.00}. The Mortgage company SNService was informed the Contractor hired for repairs estimate was signifacantly higher at {$73000.00}. The insurance company did not cover the repairs to be made by the c ontractor that was hired due the insurance company failure to provide the additional {$10000.00} that was not enough to hire my preferred contractor. As the property owner I was responsible to provide due diligence and make repairs. I used personal funds to finance the mitigation while waiting for the mortgage company to reimburse me for personal funds to be dispersed by the mortgage company that had received {$62000.00}. SNService Mortgage denies disbursement for payments for mitigation and repairs that were completed. To obtain disbursement I submitted receipts, pictures for before and after mitigation along with reports from the structual engineers, and even allowed a home inspection to provide evidence I had indeed spent substantial funds for mitigation and home repairs. The mortgage still denies disbursement of the insurance funds provided to them to be disbursed for the purpose of mitigation and repairs to my property. When I demanded the funds be made available to me and even to me and the contractor I was denied. The mortgage company tells me that they will have their legal department contact me, which has never happened. This has been going on for months and delays my repairs to the property. The mortgage company provides no reason, and has NO LEGAL reason to refuse to reimburse me for the funds needed for the property. SNService mortgage only continously denies my funds they hold from my insurance claim which they were provided for repairs to be made which they deny providing for those repairs. I can not repair my property which will go into foreclosure due to the illegal withholding for these funds which I was to access and repair the property. I am XXXX and this is my primary only property, foreclosure will make me homeless. Snservice is forcin the situation into a foreclosure by denial for disbursement for the repairs needed and to prevent immenent forced foreclosure. They are illegally with holding my funds, I need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen I send a dispute to Transunion for the accounts and they still reporting this account Dept Of The Treasury File Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collections account with this credit bureau and they failed to properly verify the debt with supportive evidence that the debt belonged to me within their 30 investigation period. 

First letter XX/XX/21 Second Letter XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance XXXX {$1300.00}
Product: Checking or savings account

On XXXX/XXXX/XXXX I was XXXX at XXXX and the suspect took my wallet, watch and cell phone. My wallet contained ID, personal document and credit cards. In the cell phone there were stored all my personal information, SSN, internet banking passwords, copies of the checks and checking and savings account numbers. I immediately informed police regarding this matter and they told me to change the cards and accounts which were affected and inform credit bureaus to place a fraud alert on my credit report. I placed the fraud alert on my credit bureaus and started updating banking information for all affected banks. 
On XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> I visited XXXX BOA branch and asked them to change my checking account number because of the facts mentioned above. The banker suggested me to close the old account and open a new one, as they could not change the old account numbers. I did whatever they instructed to me. I withdrawn all my money from old account and deposited to the new one. The banker was very helpful and persuaded me to reopen my closed business account ( which I closed this year because of changes in their fee policy for business account and saving accounts ) which I agreed to do. They asked me to verify my SSN because of the fraud alert from XXXX and i have shown them my SSN and I passed the verification. On XX/XX/XXXX I received a strange mail that my accounts were closed after ''careful review '' and no reasons were provided. 
I was banking with BOA for XXXX years never had any negative experience and buddies from my part and they closed my account after they instructed me to open a new account instead of changing the old one. I was victim of XXXX XXXX and my valuables and personal information were stolen. Now I am getting such a support from BOA. Nobody from branch contacted me and informed about decision. They told me to close the old account and open a new one as it was much safer. Bad service zero communication and support. 
I am attaching police report from XXXX XXXX police department to my complain. I am ready to provide any additional document as needed and contact of detective who is investigating this case.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) prom
ptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I was burglarized in XXXX XXXX while on vacation. Stolen items included my US bank debit card and my US cell phone. When I called US Bank they locked the stolen card and told me that they were sending a replacement to a XXXX address that would have provided the card to me in XXXX XXXX via a mail forwarding service. That was never fast tracked or sent. 

The theft of my US cell phone is important because that number allows account authentication for various things and US Bank was informed that it was stolen and I would not be able to replace it until I returned to the US. I was told this was not a problem as I was able to provide all other verification information. 

I called again days later and set up a new request for a card which US Bank again told me it was on the way. That also was never fast tracked or sent. 

I called a third employee identified as a manager who took a new address to send a replacement card priority and that employee never sent the card to the address provided. 

Finally I called again on XX/XX/XXXX and was told by the manager that most of the things that the previous employees had promised to do were things they were not able to do due to security concerns. 

As a result I have spent 10 days trapped in XXXX XXXX with no access to my money while waiting for US Bank to provide the cards they promised. 

Todays conversation with what is now my fifth US Bank customer service rep was condescending and in my opinion untruthful. It is clear that US Bank has failed to clearly, accurately and fully disclose all information around the services and products they provide to me. 

Had the bank from the start told me that there were any issues issuing me a new card while I was abroad I wouldve pursued other options. 

Waiting 10 days for the promised replacement cards has had a substantial negative impact on me, my finances in my ability to do my job. 

The problem is exacerbated by the fact that I am having to call on a prepaid cell phone I was forced to purchase down here and continually load the XXXX. Constantly getting put on hold or transferred to somebody else who I then have to refresh the story with is unacceptable under the circumstances.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : 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
Product: Credit reporting or other personal consumer reports

I have a mortgage for a home I own in XXXX. I have never made any late payments and I have never missed a payment. Back in XX/XX/XXXX I ran into some financial issues because I could not work due to my health. I reached out to my mortgage company to ask if they had anyway to help during times of financial hardship. They said I could apply for a forbearance. I applied and they gave me a XXXX  month forbearance. Meaning that from XXXX XXXX XXXX I would not have to pay my XXXX  mortgage. I followed all the steps of the forbearance plan and I started making my mortgage payments again on XX/XX/XXXX and the amount of the mortgage payments from XXXX XXXX XXXX were added to the end of my loan. Over the past XXXX  months I have spoke with several representatives from my mortgage company who assured me that this plan would not negatively affect my credit. Even though I was following an approved plan from my mortgage company, I found out that in XXXX my mortgage submitted to all XXXX credit bureaus that I was delinquent on my mortgage over XXXX  days and my credit score dropped by XXXX points in XXXX  day. I was shocked and alarmed that my mortgage company reported to the credit bureaus that I was delinquent when I had never missed XXXX payment and I never had any late payments either and I had been on a forbearance plan for XXXX months that was approved. I called the mortgage company and spoke with XXXX  different people who apologize and created a case that they said they were going to look into. They said that they would fix the problem with my credit and the credit bureaus. I also submitted a dispute with each Credit Bureau they said it would take about XXXX  days and I waited and then I received a letter from my mortgage company saying they responded to all XXXX credit bureaus. I went online and looked at the credit bureaus, and they still told the credit bureaus that I was delinquent and that nothing was changed. I talked to me XXXX or XXXX people on the phone that day from the mortgage company and everyone said they didnt know what to do and I saw that I have a dedicated loan specialist named XXXX XXXX and so I requested a call back from my dedicated Loan Specialist to get this figured out. I spoke with him on XX/XX/XXXX via phone and he said that even though I was on the approved forebareancd plan there was nothing that could be done about my credit. He was extremely unhelpful. He did not help me at all. He said there was nothing he could do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

15 U.S.C 1681 section 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 cbs collections XXXX XXXX XXXX XXXX XXXX retail merchants association XXXX XXXX XXXX XXXX XXXX synergetic communication XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX is reporting on credit file un-rightful due to this is not my debt. I have given a police report to the company. I have spoke to XXXX asking for XXXX the company name, number, address no luck. XXXX is not giving me any information on how this debt is mine. I ask my original documented showing this is my debt. They are stating the debt is very old ( XX/XX/XXXX ) XXXX YEARS OLD in is no longer in there system so they will not be able to send original debt. Please help remove this debt for my credit report. I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. 15 U.S.C. 1692 ( c ).