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

Summary : XXXX XXXX Toyota Dealer ( XXXX Florida ) has despite my repeated communications failed to pay off the Toyota Financial Services ( TFS ) lease contract pertaining to my trade-in vehicle ( XXXX Toyota XXXX XXXX XXXX TFS stated that the lease buyout has not been submitted by XXXX XXXX Toyota. 

XX/XX/XXXX : Vehicle purchase by XXXX XXXX XXXX from XXXX XXXX Toyota ( XXXX FL ) of XXXX Toyota XXXX, with trade-in of XXXX Toyota XXXX ( including trade-in allowance of {$35000.00} covering lease balance/dealer net of $ XXXX XX/XX/XXXX confirmation by XXXX XXXX Toyota ( XXXX XXXX, Sales and Leasing ) with Toyota Financial Services of dealer net amount XXXX XXXX lease contract, XXXX purchase agreement and title transfer documents attached ). 

XX/XX/XXXX Communication with Toyota Financial Services ( TFS ) Customer Support Center : requesting confirmation of no lease payment due, and providing TFS with documents-including purchase agreement and title transfer-to document XXXX XXXX Toyota dealer buyout of XXXX leased vehicle ) ( copies of Support Center messages attached ). 

XX/XX/XXXX Emails from XXXX XXXX XXXX to XXXX XXXX ( Business Manager, XXXX ) and XXXX XXXXXXXX ( Sales and Leasing, XXXX ; XXXX ) : indicating that Toyota Financial Services states that there has been no lease buyout ; XXXX requests dealer assistance ( see attached : Fwd : Your Recent Purchase Experience ). 

XX/XX/XXXX Communication with Toyota Financial Services Customer Support Center : indicating that XXXX XXXX Toyota has still not paid off XXXX vehicle lease, and requesting refund for customers overpayment ( copies of Support Center messages attached ). 

XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX Business Manager, XXXX XXXX Toyota XXXX XXXX ) to XXXX XXXX XXXX XXXX The payoff check was mailed to Toyota Financial Services on XX/XX/XXXX. The check # is XXXX.Please let me know once the payoff has posted. XXXX XXXX Business Manager XXXX XXXX Toyota ( XXXX ) XXXX ( copy of text message attached ). 

XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX to XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX XXXX ) : Thank you XXXX XXXX XXXX copy of text message attached ). 

XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX Business Manager, XXXX XXXX Toyota XXXX XXXX ) to XXXX XXXX XXXX XXXX You are very welcome! Please feel free to reach out to me if there is anything I can do! ( copy of text message attached ). 

XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX to XXXX XXXX XXXX Business Manager, XXXX XXXX Toyota XXXX ( XXXX ), reaching out per XXXX XXXX XXXX statement to contact him if there is anything that he may do : Hello Mr. Hunt , I checked today with Toyota Financial Services and they still show no payoff and now have me responsible for an additional XXXX lease payment. I am now even more concerned that something has gone wrong and that I will be held responsible to TFS for my trade in vehicle. Can anyone at XXXX contact TFS directly to straighten things out? TFS is not taking my word that XXXX purchased my trade in and paid off the lease. Thank you. ( copy of text message attached )
Product: Debt collection

I spent 17 years finding ways with XXXX XXXXXXXX XXXX  state agencies to acknowledge a systemic issue that has existed mis documented as fraud n abuse by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX even so XXXX so thst this is same homediffrent addressin home where i have never resided or legitimized as a mailing address m usps postal service knows i cabt eveb physically reside or recieve mail at that address as its lock m key n i am nit XXXX  as anything but a trssspasser n never been a lnowledged by said tenant in lease, or to state local federal government as a key holder or lease its literalky against tge law I CANR POSSIBLY RESIDE THERE AS I CAN BE ARRESTED IMMEDIATLY AD THE TEBANT IS A FEDERAL XXXX  XXXX or subdadized temamt m never mind that the tenant herself has nevet acknowledged me as a member or a resident mail recipient n mamt years its not only impossible but the local law enforcement has been notified many yesrs ago as it is not a lawful place to recieve any correspondence for myself unlesx its being done by idetity theft m fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

please investigate the following accounts properly, multiple errors and discrepancies from previous reports. 
multiple occasions when the accounts information were incorrect and had to be updated. 


accounts with multiple incorrect payment history In accordance with the fair credit reporting act XXXX accounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX  XXXX, Has violated my rights [ 15 U.S.C. 1681 ] section 602 A Congressional findings and statement regarding respect for the consumer 's right to privacy. [ 15 U.S.C. 1681 ] section 604 A section 2 : Any consumer reporting agency can't furnish a consumer report without the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX violated the law US CODE TITLE 15 U.S. Code 1681i, account had discrepancies and incorrect information for the following accounts : XXXX XXXX : account number ending with XXXX. Account had incorrect following information that were updated with last investigation : scheduled payment, terms duration, activity designator, and account history. Changed the late payment date from XXXX to XXXX
Product: Credit reporting

This is the second time I have filed this same dispute with Equifax. The first time I sent the documentation that the recorded State Lein was Released along with the notation from the State stating THERE WERE NO FEES AND THE LIEN WAS FILED IN ERROR. I then filed again ( with the same documentation ), and noted that it clearly stated the LIEN WAS FILED IN ERROR, yet they still refuse to removed it off my credit. I was on the phone with them for 42 minutes today, and they refuse to remove it. They just say the document says the Lien was released. Then I say well of course they had to release it, it was invalid. Then I ask them " do you see that it clearly states in BOLD the lien was filed in error? '' They say " yes, but it was released and that is all we will change ''. I even pointed out to them their own Policy clearly states if it was filed in error it will be removed. They just refuse to remove this off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to buy a car and was unable to get approved, information on XXXX credit report showed information like lease with XXXX XXXX and various credit cards and accounts for someone in Maryland.I have never lived in Maryland or opened any of these accounts
Product: Debt collection

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.

Southwest Credit Systems - Account # unknown The above accounts have 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, states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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, credit repair services, 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. 

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. 168192 ( A ) ( l ) 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 According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
And They also didn't even record the current status of the disputed information which is another violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the numerous and unsuccessful attempts I have made to correct the late open accounts on my credit report and remove the charge-off accounts. These inaccuracies are adversely affecting my financial well-being, and I am seeking your immediate assistance to address and rectify this matter. 

I discovered that my credit report, issued by 3 Credit Bureaus, contained multiple inaccuracies related to late open accounts and charge-off accounts. These inaccuracies do not accurately reflect my credit history and financial responsibilities. I have made several attempts to correct these errors, but they persist on my credit report, causing significant damage to my creditworthiness.

I kindly request that you take the following actions to address this issue : Conduct a thorough review of the late open accounts and correct their status to accurately reflect my payment history.

Investigate the charge-off accounts and remove them from my credit report if they are found to be inaccurately reported.

Provide me with written confirmation once the late open accounts have been corrected, and the charge-off accounts have been removed from my credit report.

Ensure that no further negative impacts occur on my credit report due to these inaccuracies.

I understand the importance of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation as promptly as possible.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your immediate assistance to corrrect or remove the following accounts in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$26000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

2. XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

3. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

4. XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Mortgage

Dear Sir or Madam, I write to you with great distress that SLS did not act in good faith in their Fiduciary responsibility but have done an outright FRAUD, taking advantage of the COVID Crisis. 

I was greatly disturbed by the COVD Crisis and based on the common knowledge available in the various Media outlet, decided to talk to SLS, who were holders of the Mortgage. It was almost the end of XX/XX/2020. 

However, I was unable to talk to their representative to get more information about the options available to me. And their website directed to write to them on their website. 

Anyways, the payments were done to them in full and in time. 

They service the Mortgage of XXXX and XXXX XXXX. 

They deliberately showed that payments were not made in XX/XX/2020 ( which was already done, and the first contact about COVD was made in XXXX, so it had to be credited ). 

Then again they showed payments made in XX/XX/2020. 

Again they did not report the payments made in XX/XX/2020 My Broker Agent was absolutely shocked by their outright fraud. As per the rules of XXXX and XXXX XXXX, no new mortgage would have been issued, if any non-payment showed. 

They deliberately showed non-payments in mycredit history, despite getting full payments and in time. 

The addressis : Specialized Loan Servicing LLC XXXX. XXXX  XXXX XXXX, CO XXXX They need to pay a penalty for their wrong behavior and make amendments to my Credit Report and show the payments were made in Full and in Time. 

With the low mortgagerates, I plan to refine my mortgage and theirdeviousactions have put things in a bad situation for me. 

Aso this deliberately deviant and malicious harmful activity shouldbe reported to the authorities. 

Thanks. 

Very Upset MortageHolder.
Product: Credit reporting or other personal consumer reports

Please check the information concerning Exquifax data breach i'd like to have all the account Also delinquent accounts remove from my credit report. Due to Exquifax date of breach.
Product: Credit reporting, credit repair services, 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  Account # 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 card

On XX/XX/2023, I made a hotel reservation with XXXX hotel reservation, also known as XXXX. XXXX charged my Discover card {$670.00} for the room but did not pay the hotel for the room. I called them and they asked me if I wanted to cancel the reservation. I was fully aware of their cancellation policy, so I did not cancel the reservation. I said No! I need the room to be paid for as agreed! I still need the room! There were three witnesses to this phone conversation. My son-in-law ended up having to pay for the room. XXXX sent Discover false documentation that made it appear as though I cancelled the reservation. I did not. Discover has decided to take the word of XXXX that I cancelled, which is an absolute lie. As you will see in the included documentation, the room remained in my name and was paid for by my son-in-law, XXXX XXXX. 

I cancelled the Discover card used in this transaction after this incident because I did not trust that it would not be subject to additional fraudulent activity, so the new Discover card issued to me will not match the number used in this transaction. That account number will be closed.
Product: Student loan

Yesterday XX/XX/2021, I logged in to my Fedloan account to update some information since in XXXX I will restart paying for my student loan since it was paused due to COVID and I was also looking for information regarding if I qualified for the student forgiveness loan, well today at XXXX I received a call from a suppose XXXX XXXX number XXXX that I prequalified for a forgiveness loan and to call her back at XXXX as I couldnt picked up the call since I was at lunch and of course wasnt thinking to look for the number in the website it self, since it was a coincidence that I was just looking for the information the day before I called back that number, I spoke to a guy name XXXX XXXX who was able to log in to my federal student aid got the information of the amount that I owe along with my social security number. I stopped the call immediately he asked for my debit card information or my banking account and routing number. He then called me back at XXXX from a XXXX number asking me if I wanted to continue the application. I started yo ask him questions about his company and his government ID who he couldnt respond to and hang up on me. 

In the meantime of all of this I also received a message from a XXXX at XXXX saying they were from the XXXX XXXX for the student loan and that my application was put on paused due to a missed monthly obligation and that my program may be subject to cancellation to call their customer service number at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is something I have never had access. I would like to know who opened the account as well as press charges on the individual responsibile for ruining my credit that I have not been able to use due to their fraudulent intentions. Everything that I have applied for has affected my credit and has been denied due to this account. I'm wanting to own my own home but my credit worthiness is beyond horrible from the hard and soft inquires. Some one also attempted to used my information to purchase a vehicle which was denied but is on my credit for the next 2 years. I need someone to help me dispute these things because I don't have anything, not even a student loan. There are utility bills in my name that I have not opened because I have never lived at some of the addresses. I tried to dispute it on XXXX  but I need direct assistance with everything thatd5 going on. Could someone please look into my file and contact me so I can explain everything that is not related to me. Please XX/XX/2018 Date Opened Open. {$120.00} past due as of XX/XX/2018. 
Status Updated XX/XX/2018 $ XXXX Monthly Payment {$310.00} Credit Limit {$1300.00} Highest Balance NA Terms {$440.00} Balance Updated XX/XX/2018 {$0.00} Recent Payment Amount
Product: Money transfer, virtual currency, or money service

I recently sent a complaint regarding  XXXX   XXXX   XXXX   claim #  XXXX  I had  XXXX  clients transfer money from  XXXX  to my bank  of america  account,  XXXX  claimed it was send,  BOA said  they did not send. After over a month of going back and forth with both banks it was finally revealed that yes the money was sent t o BOA, so  XXXX  did nothing wrong. The problem was with Bank of America, tu  rns out, one of  my other clients, ( actually tenants, I have a property management company ) tried to do a similar transfer using my cell phone number, he went to the branch to set it up, and the branch person instead of having the money sent to my account actually set it up to go into the this guys account and in turn s o did the two ot her tenants from  XXXX  who tried to send me money. ALL WENT INTO ACCOUNT OF THE TENANT.   Had Ba nk of America been upfront and discovered it the day it went in, we would have been fine, and I could have got the money back, instead on at least 10 occasions of me going into the branch and countless hours on the 800 number I was told by Bank of America it  was all the fault of  XXXX  and no money had been sent to any BOA account.   Now that they fess up to it 30 days later, turns out the guy 's account the money went into spent it and does not have it. He is still a tenant of mine and claims he will make payments, he ha s made one for {$600.00} and still owes {$2100.00}. BOA claims it is up to me to get he money, this is BANK OF AMERICAS problem. Can anybody walk into a branch, give a phone number and have money taken from somebody else 's account. This is not acceptable. These banks are quick to charge a customer huge fees when they make a mistake, this is 10x greater then any mistake a customer can make. I need this money put in my account now before i file a major lawsuit. If they want the money f rom the person whose account they put he money into, they can get it. In the meantime I want them to put the remaining {$2100.00} in my account ASAP.
Product: Credit card or prepaid card

We filed a claim in regards to fraud charges multi times, sent out explanation letter requesting further investigation but got ignored. Power of Attorney has sent via certified mail but no one contacted me or my dad.
Product: Credit reporting or other personal consumer reports

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 items 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 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, credit repair services, or other personal consumer reports

Real Time Solutions shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Transunion, XXXX, and XXXX FTC Reports and FCRA 605B letters to substantiate my disputes against fraudulent activity on my credit reports, but have been repeatedly ignored.
Product: Debt collection

I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. That was the first and only time that I received any communications about that alleged debt prior to seeing it on my credit report. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. It was sent to XXXX XXXX XXXX, which contracted it out to Halsted Financial Services. I really need help because none of these companies are responding or even available for questioning.