23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/, I sent certified mail requesting a 1099 form for a closed Toyota Motor Credit/Toyota Financial account as mandated by the Internal Revenue Code ( 26 U.S.C. 6041 ) to XXXX XXXX XXXX XXXX XXXX. ( XXXXXXXX XXXX ), acting as the Trust Indenture for Toyota Financial. The correspondence also included a Notice of Rescission and instructions on how to handle the security interests of my principal. The correspondence was returned as " Rejected '' due to an " incorrect department. '' This lack of clear instructions hinders obtaining accurate tax information, especially for canceled debts exceeding {$600.00}, potentially violating IRS regulations. 

XXXX XXXX failed to provide clear instructions on where to submit these requests, creating confusion and delay. This lack of transparency hinders my ability to manage my financial obligations and tax compliance, potentially violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires furnishers of information to maintain reasonable procedures for ensuring the accuracy of information reported. 

I am concerned about potential continued collection efforts and negative credit reporting for this closed account. This violates the Fair Debt Collection Practices Act ( FDCPA ) Section 805 ( b ), which prohibits debt collectors from falsely representing the character, competence, or status of the creditor. 

My correspondence included a rescission notice under the Truth in Lending Act ( TILA ), outlining specific steps XXXX XXXX should take regarding my principal 's security interests. Failure to comply may constitute a TILA violation.

SEC Concerns : 1. Trust Indenture Compliance : I am concerned about XXXXXXXX XXXX XXXX compliance with its obligations as the Trust Indenture for Toyota Financial. The lack of clear communication and potential inaccuracies regarding account status raises concerns about transparency and potential violations of securities laws.

2. Disclosure and Reporting Requirements : The missing 1099 form and potential inaccuracies in account information may impact the completeness and accuracy of disclosures to investors, raising potential concerns about compliance with SEC regulations regarding continuous disclosure and reporting requirements.

3. Potential Misrepresentation : The confusion and discrepancies surrounding the closed account and related information could be seen as misrepresenting the financial condition of the security, potentially violating securities laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a XXXX party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 's XXXX andXXXX, 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I wrote letters to the credit bureaus to reinvestigate these accounts, However, they stated everything was complete and accurate. Specifically, I asked for the original application bearing my signature as proof, which they have failed to provide. 

This situation is a clear violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681. The accounts in question, detailed below, infringe upon my rights to privacy and confidentiality as stipulated in the Act. 

Account Numbers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Despite my XXXX to have these accounts reinvestigated by the Credit Bureau ( XXXX ) XXXX their response was that the information was accurate. This is perplexing, especially when the open dates, dates of last activity, payment history and among other details, are evidently incorrect. Attached are screenshots as evidence of these discrepancies. According to 15 USC 1681i ( 15 ), there is an obligation to modify accounts that are inaccurately reported.

Furthermore, the following sections of the FCRA support my claim : 15 USC 1681 Section 602 A, which underscores my right to privacy.

15 USC 1781 604 Section 2.

15 USC 1681c ( a ) ( 5 ), which specifies the prohibitions on consumer reporting.

15 USC 1681 2 ( a ) ( 1 ), regarding the restrictions on furnishing consumer information. 

Additionally, XXXX practices appear non-compliant with the XXXX XXXX credit reporting standards. I have substantial evidence to support my claims and am prepared to present this if required. 

I seek your assistance in addressing this matter with all 3 credit bureaus to ensure that my consumer rights are upheld, and the inaccuracies in my credit report are duly rectified.
Product: Debt collection

This company is reporting an incorrect amount on my outstanding balance as well as false late payments. The tradeline has been updated with the date of XXXX delinquency changed and now will show on my credit reports negatively for 10 years. This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely RESOLVED : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my recent credit reports on XX/XX/2024 and observed an open credit card from XXXX XXXX that I did not authorize to open. I sent a letter to XXXX XXXX telling them that this credit card was opened fraudulently, but they refused to investigate the matter. They said, " Looks like this letter came from a credit repair and won't investigate. '' I requested the investigation, but they are not removing this fraudulent account. 

I need your assistance in getting this XXXX XXXX  credit card removed from my XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

These outrageous inaccuracies not only subject me to embarrassment but also constitute a significant barrier to my rightful access to credit. You and I are fully aware of the laws designed to ensure that credit bureaus exclusively report veracious credit information. It is abundantly clear that the incorporation of such blatant falsehoods in my report is either a colossal error on your part or a grievous misstep by the reporting creditor. I am seething with frustration over the unjustifiable inclusion of the following erroneous details in my credit report : GM FINANCIAL XXXX and please take note that, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim. I look forward on you removing the late payments and negative status of this account.
Product: Checking or savings account

There was a unauthorized transaction of around {$600.00} on my account Wells said I made the transaction which I did not at all!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt XXXX which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX INQUIRIES : XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Selene Finance refused to modify my loan or worked a payment plan with me after the foreberance I summited all the proper documents for the loan modification and I even asked to resumed my regular payment and put the Miss payments in the back loan they refused now they want to foreclosed my home after 19 years of hard work as a single mom please I don't want to lost my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX loan is paid off closed. There is no balance of {$3300.00} dollars owed
Product: Debt collection

The first complaint # is XXXX This is a request for documentation regarding the first complaint and that Customer is not satisfied with the abroad answer received by the CREDIT BUREAU ASSOCIATE - XXXX CA the company is stating that I XXXX XXXX XXXX SIGNED a document in the doctor 's office stating that " I was responsible for any balance remained unpaid. I would like to request : 1 ) A COPY OF THE DOCUMENT SIGNED BY XXXX XXXX XXXX STATING RESPONSIBILITY FOR UNPAID BALANCE ; 2 ) A STATEMENT ATTESTING HOW THE CREDIT BUREAU ASSOCIATE AQUIRED XXXX XXXX XXXX SOCIAL SECURITY NUMBER, WHERE THEY FOUND THE COMPLAINT SOCIAL SECURITY NUMBER, WHO PROVIDED IT TO THEM AND COMPLAINT IS REQUESTING IT IN WRITING BY CREDIT BUREAU ASSOCIATE.
Product: Student loan

I am a XXXX XXXX military personnel and I am unable to stay on top of my student loans due to protecting my country. I did not know I had a student loan until my credit score reflected such information. I have tried to tell the company to lower my payments because they had it set to my mothers financial assets. I do not make that much money and they have refused to update my account after I have submitted my application of deferment. I have called for help in the service member act to remove all interest accrued while I have been in training since XXXX of 2019 and they have still added the interest from XXXX to now XXXX. While waiting for the acceptance of my application and knowledge of the amount I am to pay to remain current they have still added interest and reported negligence in paying the account. I do not know what I am to pay nor do I know who to pay. I have called on my student loan to have the account current and still its late. As a military personnel I am unable to always call as to why my I have submitted deferrement. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind. I am not attempting to get out of paying my loans but they have to be tangible to be paid on the amount I currently make as well as supporting my wife and kids.
Product: Credit reporting or other personal consumer reports

yes I paid lexington law about XXXX is fix me my credit but my credit never improved and they kept asking for more payments to start working on my credit my credit never improve back in XXXX Lexington law was still reporting XXXX XXXX XXXX on my credit report which stopped me obtaining housing for myself and children for years I was homeless and also other credit today I'm having a problem with gaining housing XXXX
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX ( XXXX ) was opened in XX/XX/year>. This account has been deleted from my XXXX report. 
-Experian failed to reinvestigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights for a 3rd time and there are still several inaccuracies on my account. Please remove this account!
Product: Checking or savings account

my account has been frozen for over a year now with no written or verbal explanation of why or when it will be back useable they continue to charge my account XXXX dollars every month far a acoount that i cant use customer service is of no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The response from the last dispute to XXXX, Transunion, and XXXX all came back as verified as accurate. I am demanding a reinvestigation because according to 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I would like these inaccurate accounts deleted immediately. Also my one and only address is XXXX XXXX XXXX XXXX XXXX, GA XXXX my phone number is XXXX. Any other information they have is incorrect, and is related to fraud. I am a victim of identity theft, and am attaching my reports as well. These accounts are fraud related, and they are violating 15 U.S.C. 1681b Permissible purposes of consumer reports 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] 15 U.S. Code 1681n - Civil liability for willful noncompliance I am disputing the following accounts : XXXX XXXX XXXXXXXX account number : XXXX XXXXXXXX XXXX XXXX account number : XXXX XXXX XXXX account : XXXX 15 U.S. Code 1681i Procedure in case of disputed accuracy 15 U.S. Code 1666b Timing of payments It is up to {$1000.00} per violation. Please correct my credit immediately. 

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

My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on my credit report
Product: Checking or savings account

My full name is : XXXX XXXX XXXX XXXX XXXX. | BACKGROUND : On XXXX XX/XX/2021, Citibank closed my checking and savings account and issued a check for the remaining balance of {$8800.00}. | ISSUE : The name on the check was listed as " XXXX XXXX XXXX XXXX ''. I tried to deposit the check with XXXX XXXX  ( my current bank ). XXXX refused to deposit it because the name didn't match exactly the name on my XXXX account. I tried to deposit it in my daughter 's account at XXXX. XXXX refused to cash the check, retained the original check, and provided only a photo copy of the check. I have contacted Citibank to void the original check and reissue the full refund with my full name. Citibank refuses, on the grounds that I no longer has an active checking/savings account with them. | REQUEST : I request that Citibank reissues the check for the full amount of {$8800.00}, listing my name as " XXXX XXXX XXXX '' | ATTACHED DOCUMENTS : ( 1 ) Copy of the check ( photo copy ) ( 2 ) Copy of the check ( digital ) ( 3 ) Copy of last Citibank statement ( 4 ) Copy of California drivers license ( 5 ) Copy of XXXX XXXX  ( 6 ) Copy of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with 2 consumer reporting agencies on XXXX XXXX ( XXXX and XXXXThe consumer reporting agencies validated the debt I disagreed with the process.I filed a complaint with the CFPB after the initial complaint with the CFPB XXXX deleted the account.XXXX still continues to furnish the account.I also filed a dispute with the creditor the same time as I filed it with the consumer reporting agencies, I never received a response back from Capital One.I called the CFPB and asked how could this debt be validated after one ( XXXX ) consumer reporting agencie deleted the account.Then the representative told m that companies don't have to show any proof and just send it back validated with no proof of an investigation.Section ( 6 ) 611 ( a ) ( 1 ) ( a ) that says a companie must respond in 30 days of a challenge.It is well past the 30 day mark, and even though they don't have to respond to the consumer reporting agencies they must respond to me the consumer.I also read in section 6 611 ( a ) ( 5 ) ( A ) that if the company doesn't respond then the account must be deleted.Capital one acct # XXXX on XXXX consumer reporting agencie.I have copies of everything below
Product: Credit card or prepaid card

I closed my AppleCard that is issued by Goldman Sachs because Apole is denying me access to manage my account. I was locked out of my Appleid account when my ex-husband set up a recovery code and changed the 2-step verification phone number on my account without my knowledge of permission. This happened in XXXX of 2022 but he has been logged in and monitoring my activities for much longer, once again, without my knowledge or permission. He has since been impersonating me ( digitally ) and apple refuses to shut the account down. I have called them numerous times to try to resolve the issue but they always treat me like I am the criminal/identity thief. I still had the physical card and had to use it all the way to the credit limit because my ex has been financially abusive towards me. Apple let me make every charge in that card but will not give me access to make payments. That appleid had my entire life on it including years of photos of me and our XXXX kids. He knows everything about me such as social security number and all other information that identifies me. This knowledge, along with the photos, has granted him access to take over my entire life. I can not even get rental assistance because I believe he is also receiving this in my name. I am struggling immensely due to this and they refuse to help me. I did not want to close the card because I knew my credit would take a huge it but finally I broke down and clised it even though there is a {$2000.00} balance. Apple customer support assured me I this would completely shut the account ( the card, not the appleid ) down and I would then be able to set it up with my new appleid. I was not able to do this. It still said I have another account when I tried. I was then told I would not be able to so that until it is paid off and maybe not even then if I am niot approved due to a low credit score. This has been a complete nightmare for me. I do not understand how the credit card can not be untied from the stolen appleid. It is the same as if a physical credit card was stolen and all other credt card companies will immediately shut down a stolen credit card. Actually it is much worse because this account verifies my identity for any other online account. It is impossible that Apple does not realize how devastating this is so I feel they just so not care what happens to a single mother who is struggling simply because I have a measly little {$2000.00} credit limit. I am simply not worth their time. My time, on the other hand, is consumed by this. Time that I was unable to spend with my children as they are growing older. Time that I was unable to find and maintain work. Time that I will never get back. I just need a little help. Please.