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

This is about Toyota Financial Services. 

I sold a car to a Toyota dealership. I had a remaining balance in an auto loan with Toyota Financial Services ( TFS ). The dealership paid off to TFS right away, but hasn't paid a remaining amount of money to me yet after 2.5 months. The problem is TFS released the lien to California DMV without checking the dealership has paid me.

This might be a general issue with auto financial institutions that customers don't have a way to be saved in the case a dealership ( or a buyer ) refused to pay and a financial institution released a lien to DMV. I can see financial institutions wouldn't care beyond what they are supposed to get paid. But, this puts customers at an unfair situation that they don't have a way to enforce payment from the dealership ( or the buyer ). 

Events - XX/XX/XXXX : Sold a car ( XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX, XXXX, CA. The dealership ( buyer ) to pay off {$6600.00} to TFS and pay {$6900.00} to me ( seller ). 
- XX/XX/XXXX : TFS released the lien to CA DMV.

- XX/XX/XXXX : 2 months passed. I contacted the dealership to the status. They claim TFS hadn't released the title of the vehicle. ( I haven't checked with TFS if this claim is true. ) - XX/XX/XXXX, and XX/XX/XXXX : I kept contacting the dealership. They kept saying they will check but no status update. 

Either of two happened : ( 1 ) TFS received a full payoff money, but hasn't released the title to the Toyota Dealership. 
( 2 ) TFS released the title to the Toyota Dealership, but the dealership holds the money with no legitimate reason. 

The point of this complaint is about ( 2 ). If ( 2 ) happens, there doesn't seem to have a way to control the bad behavior of a dealership. What I suggest is for financial institutions make sure the promised money actually transferred to the customers ( like in buying a house ).
Product: Bank account or service

I completed a bill pay payment on XX/XX/2017 XXXX PNC to XXXX. I was advised by PNC on XX/XX/XXXX that XXXX ( the company that processes PNC 's bill pay changed the billing address and sent it to XXXX, who cashed the check, although the payee was XXXX. Dispute reference # : XXXX
Product: Mortgage

We reached out to Bank of America in XXXX, XXXX  regarding re financing our home because the house was in foreclosure. We received a letter from BOA, stating we were eligible for assistance and an application would be sent out. We received the application, completed it and mail to them with requested info. I called BOA to see if application was received and it was. The next week I called to find out status and more info was requested. I faxed the info to them. I called to see if they received it and it was received. While waiting for letter regarding the status of application a letter was taped on our door XX/XX/2018, stating we had to vacate house within 3 days because the house was sold in an auction. We were very devastated. I call the acct manager and she told the house wasn't sold, I told her about the notice we received. The manager told me I needed to speak to the foreclosure department. She transferred me to them and I was told I needed to speak to the acct manager, I call acct manager back and she told me to call foreclosure attorney. I called the attorney and was told they only do paperwork for BOA and to call the acct manager back. They were all passing the buck causing the ball to be dropped. No one assisted me. I need to know why. We purchased home in XXXX and fell on hard times throughout the years. We reached out to Bank of America for help to keep our home and we were deceived and misleaded by Bank of America. Thank you for looking into this complaint and let us know our rights regarding this matter. If you need additional information, please call me at XXXX. Thank you
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX, XXXX XX/XX/2024 National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear debt collector, I am writing to dispute the accuracy of the information contained in my credit report. According to the report provided by your agency, there are discrepancies in the original loan agreement and payment history.Firstly, the reported original loan amount appears to be inflated. Upon reviewing my records. However, the credit report reflects a higher figure, which does not align with the actual agreement.Secondly, the payment history provided is inaccurate. It shows missed payments and late payments that are not reflective of my actual payment history. I have diligently maintained payments in accordance with the agreed-upon terms, and there should not be any instances of delinquency reported.I request that you investigate these discrepancies and promptly correct any inaccuracies in my credit report. Please provide me with a written explanation of the actions taken to rectify these errors.Enclosed are copies of documents supporting my claims, including the original loan agreement and payment records.Sincerely, XXXX XXXX. 

Also I never gave consent to have my consumer report look over or gave the permission to have my privacy invaded. I feel that was wrong to have not been informed of the selling of my information to this debt collector without first verifying with me if it was okay and also to verify the correct accurate information that's being reported as well. I ask for this debt collector to produce legitimate evidence that this debt belongs to me and has the right to invade my privacy with out my permission. I look forward to a response as soon as possible. 

I have no information to provide as I haven't received any documentation from XXXX XXXX the original creditor of this account.
Product: Debt collection

BOUNCE AI INCXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> is when it appears account was opened and it is false information on my credit report and needs to be removed. I have no knowledge of this account and never did business with this industry.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, XXXX, TD Retail Card Services reported a 30 days delinquent in the amount of {$9.00} in my XXXX, XXXX credit bureaus. Negative reporting impacted my credit by reducing my credit score down to over XXXX points. 

During XX/XX/XXXX, I made a payment of {$50.00} based on the banks new online portal. The new online portal was down for several weeks and when it was back up, it did not indicate a past due amount nor did it provide a statement that reflected an outstanding balance. 

During the week of XX/XX/XXXX, I notified the company regarding this and was informed that I had to go online and print out a dispute form, fill it out and mail it in which will take up to 30 days for a response. Why was the dispute not accepted by the Representative who should have opened this on my behalf, like other creditors. 

I paid {$100.00} during the week of XX/XX/XXXX to prevent any further issues, but I am requesting the negative reporting on my credit to be removed and a letter of apology from TD Retail Service. I have never had a no negative reporting on my credit report. 

Thank you
Product: Checking or savings account

I have an account with mercury that provided me XXXX checking account via XXXX XXXX XXXX 

On XXXX they closed my account all of a sudden and told me that my funds are being retained by mercury and since them Im not being able to contact them via email not calls. 

I want to ask if my account is closed, how can I get the funds transferred to another bank. 

I have got absolutely no response yet from them which indicates criminal level negligence. 

My mercury bank account email is XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have not received a bill in the past and suddenly have a notice on credit karma that I have an account in collections that I am not aware of. I dont not feel responsible and feel like this should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that some of my accounts have not been being updated regularly and have missing payments. Please review and update all active accounts on my credit profile to assure they are accurate
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX...
Product: Credit card or prepaid card

Due to the pandemic, Barclay 's wanted to run promotions that were relevant to the new conditions we found ourselves in, which included running a promotion for XXXX XXXX. I happen to be a fan of XXXX XXXX so it was a win/win. Around XX/XX/2020, I received an email from Barclay 's with the new promotion that stated " Take-out never tasted so good-get a {$20.00} statement credit '' I have attached an image of the promotion as well. But in short, all I needed to do was make 3 purchases with XXXX XXXX and I will get a statement credit for {$20.00}. I made the purchases and it has been 5 months and I have yet to receive the bonus. 

I have contacted Barclay 's directly several times about this. The representatives I got on the phone made it clear that it is a known issue within the department and I will receive the bonus within 7 business days of the call. I last called a month ago and still, nothing.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Account : XXXX has violated my rights under 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

XXXX XXXX XXXX was given access to my open-end account to establish and open an accepted credit card account with their bank to cover my personal, family and household purposes for our private vehicle repairs and ongoing maintenance. I asked the bank to show me the accounting in its entirety. As it pertains to the account. They immediately closed my account, labeled it bad debt and defamed my character and damaged my credit. I was just reading on The CFPB enforcement page that a {$9.00} XXXX XXXX  settlement was just reached with XXXX XXXX who violated consumer financial protection laws and rules that protect individuals when we dispute credit card transactions. The Truth in Lending Act protects my right to see the full and unadulterated accounting of my account. I was punished because I asked to see the books on my account. I now know that they had something to hide that they absolutely didn't want me to see. I now see that they have charged off the account and sold it to a third-party debt collector named CBE group. Please correct me if I'm wrong, but aren't credit card accounts non-transferable and non-negotiable? If that's true, then aren't these two companies acting fraudulently? XXXX XXXX XXXX. ignored my rights protected by T.I.L.A. and the CBE GROUP are attempting to collect a debt in fraud.
Product: Debt collection

Selene Finance foreclosed on my property as I requested in the previous CFPB Case thanks to your help. They sold the property on XXXX XX/XX/2017. But since that date, they left the account in limbo. They report the account is open to all three credit agencies with {$1.00} as the balance. It has been months with no resolution. The information I gathered is all by phone and the company refuses to send me information via mail regarding the status or future of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This 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 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 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX retaliated against applicant in XXXX by forcing a 'username change ' XXXX sent abusive digital notifcations that had no merit from XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has violated several provisions of the Fair Credit Reporting Act, including : 15 USC 1681 EB ( requiring credit reporting agencies to conduct reasonable investigations of consumer disputes ), 15 USC 1681s-2 ( requiring furnishers of information to investigate and correct inaccuracies ), 15 USC 1681 i5 ( mandating that errors be corrected or removed from reports when disputes are unresolved ), 15 USC 1681 CC ( requiring notification of corrections to consumers ). 

On XX/XX/year>, I sent Experian a dispute regarding inaccurate information on my report, specifically related to 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, Self Financial/Lead XXXX XXXXXXXX XXXX Despite providing evidence that these items were inaccurate, Experian failed to conduct a meaningful investigation and did not correct or remove the errors. 

I recently learned that the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate disputes and remove inaccurate information from consumer credit reports. This highlights a pattern of behavior that directly affects consumers like myself, preventing us from obtaining accurate credit reports and threatening our access to credit, housing, and employment.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally respond to Robinhood Credit , IncXXXX ( XXXX, formerly XXXX ), regarding their communication dated XXXX, in which they erroneously assert that my acceptance of their XXXX Cardholder Agreement on XX/XX/year>, waived my rights with respect to the reporting of my account information to credit bureaus. 

While I acknowledge that I accepted the terms of the XXXX Cardholder Agreement, I assert that such acceptance does not constitute a waiver of my statutory rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., or any other applicable consumer protection law. Specifically : No Waiver of Privacy Rights under FCRA : The FCRA mandates that any consumer reporting agency may only furnish consumer reports under circumstances authorized by 15 U.S.C. 1681b, and nothing in the acceptance of a credit agreement can override or waive the rights afforded to me by federal law. The fact that I agreed to certain terms in the cardholder agreement does not exempt Robinhood Credit from complying with its obligations under the FCRA to report accurate and complete information. 

Revocation of Consent to Report : While the XXXX Cardholder Agreement may permit Robinhood Credit to furnish my account information to credit reporting agencies, I retain the right to revoke my consent under 15 U.S.C. 1681b ( a ) ( 2 ). By submitting my complaint, I have formally revoked my consent for Robinhood Credit to continue reporting my balance or account information to any consumer reporting agency. Robinhood Credit 's reliance on the initial agreement to justify continued reporting ignores my statutory right to control the dissemination of my nonpublic personal information.

Failure to Address the Request for Correction or Deletion : Robinhood Credit 's response fails to address the core issue of accuracy and whether the reported information complies with 15 U.S.C. 1681e ( b ), which imposes an obligation on furnishers to ensure that the information reported is both accurate and not misleading. By failing to provide a reasonable investigation into my request for an update or correction of the information reported, Robinhood Credit may also be in violation of 15 U.S.C. 1681i, which mandates a thorough investigation into disputed information. 



Sincerely, XXXX XXXX
Product: Debt collection

There was {$22000.00} debited from my bank account from Ally, who I have car financed through. I called Ally to dispute this charge and they said it was scheduled on XX/XX/23 for the amount of {$22000.00}. I told them I did NOT authorize this. They told me that I needed to contact my bank and change my password on my Ally app.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I have XXXX unknown inquiries that I never applied for showing on my credit file. these following accounts are not mine please delete/remove the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I wanted to inform all parties that in the last XXXX ( XXXX ) days I have contacted these companies and tried to verify that I did NOT authorize access to my credit report. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate inquiries from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate inquiry. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent Inquiries.