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

On XX/XX/XXXX - I launched a dispute with XXXX regarding a late payment with Toyota Financial which occurred in XX/XX/XXXX at the time I contacted the company to change my payment due date from the XX/XX/XXXX to the XX/XX/XXXX earlier in the year which had not been changed by Toyota and still reflected the due date of the XX/XX/XXXX. I was late in payment for the month of XX/XX/XXXX/XX/XX/XXXX but requested the removal of the late payment via XXXX. After the investigation the one late payment was changed to reflect 3 late payments occurring in XX/XX/XXXX/ XX/XX/XXXX/ and XX/XX/XXXX. I disputed this new reflection with XXXX providing payment statement withdrawals, the letter dated XX/XX/XXXX asking for a change of due date to Toyota Financial, and a personal statement explaining the situation regarding the one late/none payment in XX/XX/XXXX/XX/XX/XXXX. After the investigation the results were the same/none changed. I then disputed the reporting directly with Toyota Financial on XX/XX/XXXX and received a letter XX/XX/XXXX stating that there reporting was accurate when it clearly was not. 
I believe that Toyota Financial is unwilling to fix the credit reporting of my account as a form of retaliation for signing on to the XX/XX/XXXX-XX/XX/XXXX class action lawsuit earlier this year and would like to have a neutral party review the information to confirm or deny my claims.
Product: Credit reporting or other personal consumer reports

under key provision and state legislature XXXX. Identity theft and fraud and the use of public records Federal law 18 U.S.C & 1028 Assumption and Detterrance Act Local law enforcement has been notified and provided case XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXXXXX XXXX SUNRISE CREDIT SERVICES added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA SUNRISE CREDIT SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Santader Consumer USA has an account in my name for the amount of {$7300.00} for a car loan. This is complete fraud as I do not have nor ever own in car. I have tried to get this removed but all three credit compaines are confirming this with no proof.
Product: Checking or savings account

USAA believe they can do whatever they want. I'm fully aware that USAA has been knowingly and willingly violating my rights, their own policy and federal law with their unfair, deceptive, abusive practices or services. USAA have been in the news over the pass recent years of paying out big financial fines from OCC, CFPB, FinCEN ... its a pattern of racketeering activities of closing people checking accounts without proper notice and time to resolve the issues at hand. while speaking to multiple people in different department for the lack of being able to answer questions, concerns and more they didn't know their own policy of being 30 or 45 days for the account to be overdrawn before closing it. this adverse action is something that violates my customer rights and federal consumer protection laws. 

the checking account was closed on XX/XX/XXXX and found out on XX/XX/XXXX that was allegedly overdrawn for 30 days. I spoke with XXXX, XXXX and even escalated to the executive office where I spoke with XXXX. 

been a member since XXXX, and the alleged amount was {$3.00}.
Product: Credit reporting or other personal consumer reports

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately onmy credit report and it is in violation of The Federal Law. This is in Violation under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Here are the following accounts : -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

My consumer rights are being violated. Transunion is creating defamation of my character and effecting my credit worthiness to creditors. I have been denied a job because of a bankruptcy appearing on my credit report. I have been denied loans. In these hard times and all that is going on in the world with covid I don't need this added stress. I have been disputing an alleged bankruptcy with Transunion for the last few months. I have attached a copy of my credit report for all three credit reporting agencies. Only Transunion is reporting this bankruptcy. That's a violation of my consumer rights because all credit reporting agencies have the grave responsibility to report 100 % accurate credit files. If Transunion is the only ones reporting this information then it is not accurate. I have attached a letter from the US Bankruptcy Court which is listed as the furnisher ; the letter states they are not the furnisher and do not report to credit reporting agencies. This bankruptcy must be listed in error and should be removed immediately. Also Transunion do not have a permissible purpose to furnish such information anyway. My rights were violated as soon as it was published for anyone to see because they do not have my written consent to furnish my personal information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX. XXXX XXXX SERVICES/ ACCOUNT NUMBER : XXXX INQUIRIES XXXX. XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX, XX/XX/year>. 
XXXX. XXXX XXXX XXXX XXXX, XX/XX/year>. 
XXXX. XXXX & XXXX XXXX, XXXX XXXX. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. 
XXXX. XXXX XXXX XXXX, XX/XX/year>. 
XXXX. XXXX XXXX, XX/XX/year>. 
XXXX. XXXX XXXX, XX/XX/year>. 
XXXX. XXXX XXXX XXXX, XX/XX/year>. 
XXXX. XXXX XXXX. XXXX XXXX, XX/XX/year>. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Debt collection

The debt collector, First Federal Credit Control , XXXX, repeatedly called using different telephone numbers and did not leave a message. When I called back the numbers the party that answered did not identify themselves as a debt collector until I gave them my name, then kept demanding personal information. I received a notice from First Federal Credit Control on XX/XX/19 regarding an alleged debt vaguely identified as University XXXX XXXX XXXX, account # XXXX. On XX/XX/19 I sent a letter to the collection agency requesting information to identify the original creditor, a copy of the last billing statement, and the authority of the collection agency to collect the debt. I also requested that the debt be treated as in dispute until I received the information requested. To date, I have not received a any information. Last week I noticed that the alleged debt had been reported to a credit reporting agency without being reported as in dispute. On XX/XX/19 I sent a letter to the collection agency instructing them to immediately remove the collection notice from any credit reporting agency to which it reported it. I also instructed the collection agency to cease all communication until they provided the information I requested, including any information required under the Fair Debt Collection Practices Act. I have noticed that the collection agency used the same account number for this alleged debt as they did with different alleged debt that is also in dispute. I have filed a complaint with the credit reporting agency.
Product: Credit card or prepaid card

In XX/XX/2020 I received a call from tjxrewards mastercard asking me if I made an {$8200.00} purchase. I said no that's a fraudulent charge. As I was on the phone they asked me if I made a {$400.00} charge. I believe I was on the phone still talking to the operator when a criminal was using my card. The {$8200.00} charge was from a company named XXXX who I don't believe I've ever done business with them an definitely didn't make the charges to and told the operator I believe the day the charges where made that they were fraudulent. The {$400.00} charge was fraudulent too. They have it in my last billing statement PAY.XXXX  PA. I believe it was under another company back in XXXX, but that's what's on my billing statement. The operator immediately told me she was going to block the charges. I was fine, no harm no foul, until I just found the old email of a denial to reimburse me. They said in the denial letter that I profited off the transaction and I knew about it. That is a complete lie, and now tjxrewards mastercard is trying to make me pay for fraud.
Product: Debt collection

Hello..so I signed up with a debt collector ( Elite Financial ) they ensured me that if I signed up with them for 3 years at a payment of XXXX $ per month..that they would take care of my XXXX creditors ... I've made 33 straight payments over XXXX dollars an my creditors are saying they haven't received any payments..I call Elite several times a day an they keep giving me the run around so I need to know what's my step..Thank you so much
Product: Student loan

My name is XXXX XXXX and I am writing to you today to file a complaint against Navient. I called Navient at XXXX XXXX  on Tuesday, XX/XX/XXXX. The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), defrauded me and for this reason I will no longer be making payments on my private student loans. 

The response I received from the Navient customer service representative when I called was unfortunately, there is no way to really dispute that here.. So unfortunately youll still have to pay on these loans here. The Navient representative clearly denied there is a process. I sent a written summary of this call by email to the general Navient account as well as to the Navient office of the customer advocate. I received a response from the office of the customer advocate dated XX/XX/2023. ( I have attached a copy ). In this letter, the customer advocate XXXX XXXX explained, among other statements, that there is no discharge program available at this time for students who claim a defense to repay a private loan due to misinformation or the quality of education they received at their school. I believe there is a problem with this response and there should be a process for providing me with more information and relief. Further, since making this call, Navient has been calling me repeatedly day and night. Navient has also sent written communications, including friendly reminders that my payment is due even though I am raising a defense to repayment. 

Having attended XXXX has left me with significant debt and a worthless degree, leading among other harms to financial distress and limited career opportunities. Attending this school did not provide me with a quality education or necessary credentials, leading to difficulty in obtaining jobs and has made it impossible for me to advance in life like a typical XXXX yr old. I have not been able to buy a home or rent an apt without a cosigner. The emotional toll this whole ordeal has caused my family and I is inexcusable.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion to inquire about a delinquent XXXX XXXX account that they began reporting XX/XX/XXXX that was included in bankruptcy in XXXX XXXX XXXX  case number XXXX was discharged and XXXX XXXX was included in that bankruptcy. 
XXXX at TransUnion indicated that there wasnt much he could do besides provide me with a link to dispute the account and he didnt have the original paperwork from XXXX XXXX to validate this debt as still being owed outside of bankruptcy. Upon contacting XXXX they indicated they dont have a balance owed for me or an account with my social.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter to get reassurance on an ongoing investigation. I have disputed an account that was charged off 2 times already. The first dispute was on XX/XX/XXXX of 2024. There was inaccurate information on my account that showed 2 charge offs in 2 different dates and then after the dispute the credit bureau modified it and stated it was updated. They did not remove it due to inaccurate information. The second dispute on the same account was on XX/XX/XXXX of 2024. I was able to provide a payoff letter from the 3rd party collection agency " XX/XX/XXXX '' I sent the payoff letter that stated I had no obligation of the account as part of the 2nd dispute, but was not approved for deletion and the information was remained as a charge off. They had incorrect information the first dispute and then also showed a payoff letter as proof and did not want to assist by removing the inaccurate information off my report. Please let me know if further is needed in order to have this removed off my account. 

Thank you!
Product: Credit reporting or other personal consumer reports

I can't access to my Transunion service center account
Product: Debt collection

I had a defaulted credit card obligation that I owed to Capital One Bank.  They filed suit against me in the Magistrate Court of XXXX County, Georgia.  A judgment was entered against me for $XXXX, on or about XX/XX/XXXX.  In XX/XX/XXXX, I began the process of re-financing my mortgage with a HARP loan.  I was told that I would have to satisfy the outstanding judgment lien to Capital One Bank before the re-financing could be completed.  I contacted the law firm representing Capital One Bank, XXXX XXXX XXXX, in early XX/XX/XXXX.  We reached a settlement amount of $XXXX to resolve the debt.  I spoke with attorney XXXX XXXX.  I mailed certified funds for $XXXX(cashiers check) to XXXX XXXX of XXXX XXXX XXXX  on XX/XX/XXXX.  They received the funds and they dismissed the lawsuit/judgment on XX/XX/XXXX.  They then filed a Satisfaction of Judgment in the Magistrate Court of XXXX County on XX/XX/XXXX.  Then, on XX/XX/XXXX, I received a copy of a garnishment action filed by XXXX XXXX XXXX, against me the exact same debt described above even though the debt had been paid in full and satisfied over a month earlier.  My employer had been served with the garnishment and withheld 25% of my pay plus fees.  A total of $XXXX was taken from my paycheck.OnXX/XX/XXXX, I immediately called XXXX XXXX XXXX  to see what was going on.  I left messages for both XXXX XXXX and his assistant, and never received a call-back.  On Monday, XX/XX/XXXX, I again left messages for XXXX  and never received a call-back.This debt-collection attorney firm resolved the debt I owed and received my funds, YET THEY CONTINUED TO PURSUE A GARNISHMENT ACTION AGAINST ME FOR THE VERY SAME DEBT CAUSING ME TO LOSE 25% OF MY CHECK.  AS A RESULT, I HAD THREE CHECKS RETURNED FOR INSUFFICIENT FUNDS AND WAS CHARGED FEES IN EXCESS OF $XXXX.  THE LAW FIRM REFUSES TO CALL BE BACK AND RESOLVE THE MESS THEY CAUSED.They have violated the FDCA by collecting on a debt they KNEW WAS SATISFIED.  THEY USED THE LEGAL PROCESS AGAINST ME FOR A DEBT THEY SATISFIED OVER 30-DAYS PRIOR.THE OFFENDING LAW FIRM/DEBT COLLECTOR IS:XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX(XXXX) XXXX
Product: Mortgage

My girl friend and I met with our Lender from City Wide Home Loans on XX/XX/XXXX at XXXX XXXX to discuss in more detail about our recent Pre-Qualification for a home loan that was done on XX/XX/XXXX at XXXX PST. While we were there discussing financing options the lender suggested that we qualified for a Nevada home loan assistance grant called " Home is possible ''. We were told this grant would help with our down payment and closing costs and that in 6 months to a year we would be able to refinance in to a potential lower APR rate and hopefully lower our monthly mortgage. While the lender was going in to detail about the grant he suggested that the Nevada Housing Division was changing their laws surrounding the grant and beginning XX/XX/XXXX the grant would become a " second loan '' instead of a grant and certain stipulations would apply where we would not be able to refinance for 3 years unless we paid back the remainder of the assistance we received. He told us that as long as we had an offer in on a house prior to this date the purchase agreement would lock in the deal and we would be " grandfathered '' in to the grant instead of the new " second loan '' and would still be eligible to refinance in 6-12 months. After we were told this we made a point to begin searching for a home as soon as possible. We came up very lucky and put an offer in on a home on on XX/XX/XXXX and the offer was accepted on XX/XX/XXXX. We were under the impression that because the purchase acceptance date was on XX/XX/XXXX, before the new law went in to effect on XX/XX/XXXX, that we would have the offer that was suggested to us. Now, 4 days before closing on XX/XX/XXXX, the lender told us that they submitted the reservation for the grant via email to the Nevada Housing Division on XX/XX/XXXX, but the Nevada Housing Division did not approve the grant until XX/XX/XXXX and since it was after XX/XX/XXXX we would only be eligible to receive the new loan and not the grant. After this, i was frustrated, so i called Nevada Housing Division to discuss my concerns further because the lender suggested that it was not their fault. Nevada Housing Division then told me that the reservations are not sent via email, as the lender suggested, and that the grant is reserved via their website directly from the lender and approved at that same time. We are moving forward with purchasing the home because we have fallen in love, but the misleading and lies from the lender were very discouraging. I feel this is a UDAAP violation due to the unfair and deceptive actions taken by the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant XXXX usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. a letter was written to the courthouse asking to provide the procedure in which they verify records information with XXXX, XXXX XXXX Experian and /or third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting

I am trying to resolve the issue with XXXX but they are not cooperating. I spoke with the collections and they show an amount but have no proof to accompany this non valid debt. My mother called on a product for my husband and I at a previous address. We decided to go with XXXX instead. XXXX sent us a wireless box which we never ordered and we immediately returned. We received bills on the product and called them, wrote letters disputing it but they did not remove it. This company is unethical and unprofessional and they can not show proof of anything other than saying it was disputed. I spoke with collections and they could not bring up any information and sent it back to billing. I am out of resources to remove this from my credit report as well as from my husbands.