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

Dear Sir/Madam, I am writing to dispute a billing error that occurred with Toyota Financial Services . In XX/XX/2023, I set up automatic bill payment for my Toyota car loan, but apparently, the setup was not correct. Unfortunately, I was not aware of this issue until recently because I have a separate account where I transfer the exact amount of money to cover all automatic payments. Therefore, I do not usually check my billing or bank statements on a regular basis when I have autopay set up. 

I am disappointed to report that Toyota Financial Services did not contact me by email or phone to inform me that my payments had not been posted. When I contacted them, they explained that they could not help me, and I would have to dispute the issue with the credit bureau. However, I was able to open one of my statements for Toyota, called them, and made a payment to bring the account current. 

I am writing to request that the credit bureau investigate this issue and correct any errors on my credit report. I believe that Toyota Financial Services should have had a process in place to contact me if there were any issues with my billing, especially since I had set up automatic bill payment. 

I hope that you can help me resolve this issue quickly and satisfactorily. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Transunion should not be allowed to " Rubber Stamp '' my dispute with the company 's response. Of course, the mortgage company is going to say they are correct. I provided payment history to Transunion for the entire loan showing my payments were made and not 30 days late. This issue started with a minor dispute of my escrow account that XXXX XXXX ignored and they did not provide communication or statements. I contacted them numerous time by phone. This MINOR correction snowballed as XXXX was charging enormous and erroneous charges to my account. These were not even allowed if you read my loan contract. XXXX XXXX probably owes me $ XXXX. I went through proper channels with XXXX to no avail even though their President acknowledged their mistakes. They started foreclosure proceedings doing monthly inspections even though they received payment each and every month as well as I was in contact with them by email and telephone several times per month. They did not send anything in writing stating they were beginning these proceedings - also against the RESPA laws. Transunion has documentation from XXXX 's President saying they would reverse charges. I expressly inquired to XXXX if they had corrected my credit. They did not and should have. I have had bank mortgage personnel review my payments to XXXX and they were so messed up, confusing and convoluted the PROFESSIONALS could not reconcile my loan!!! WOW! 
Transunion 's response to my dispute - " We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified Mortgage Loan Number Loan # XXXX have contacted XXXX XXXX XXXX at XXXX and spoke with XXXX XXXX. According to their records, the late payment history reflecting for XXXX XXXX - XXXX XXXX is accurately reporting for XXXX XXXX XXXX # XXXX. '' XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX My original dispute to Transunion " XXXX XXXX has erroneously reported my credit 30 days late for nine months beginning XXXX, XXXX through XXXX, XXXX ( sold house XXXX, XXXX ). '' I disputed this directly with XXXX XXXX numerous times over the past two years, and I also contacted Transunion to dispute this information. Transunion 's response was " XXXX, XXXX XXXX ''. 
XXXX Mortgage even had their attorney send me correspondence telling me to quit contacting them or anyone else regarding my credit reporting, after I have them a bad review on Oklahoma 's XXXX site. Really? That is XXXX. XXXX XXXX, in my opinion, is a group of " Thieves ''. I have seen numerous other disputes from their customers similar to mine.
Product: Debt collection

Someone has claimed that I rear ended them. But I was not in an accident o, the day they said it happen. Also there is no front end damage done to, my vehicle. There is no police report or any report at all. They supposedly only have a photo of my drivers license. Which anyone could have, as I am a XXXX and work in major company 's buildings. We also have proof that my car has no front end damage done to it. Also this car was hit by a drunk driver over a month ago, and was declared a total loss. So again there is no proof of any wreck. And we want this issue resolved. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Prof Dept inaccurately and reaging added XXXX late payment to my account. XXXX, XXXX, and experian has not deleted this account despite multiple inaccuracies with this debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair act XXXX Account number XXXX and XXXX, the 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To :

Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$5900.00}, {$550.00}, {$1700.00}, {$7700.00}, {$6800.00}, {$3100.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Product: Credit card or prepaid card

I applied for a discover student credit card XX/XX/2023. 

I was approved for said credit card XX/XX/2023. 

I was asked to verify my identity through the XXXX verification services XX/XX/2023. 

I completed that task XX/XX/2023. 

I was asked to verify again on XX/XX/2023 due to a recent name change i had in the beginning of XX/XX/2023. 

I reverified my information XX/XX/2023. 

I was asked on XX/XX/2023 to reverify again which i complied with. 

XX/XX/2023 I recived an email reguarding the verification and was told by discover that it was successful and completed. During this amount of time I also made numerous phone calls which are recorded in their system stating that my identity was verified and my card was active and ready to use. 

XX/XX/2023 i found out they had closed my account due to failed security verifications. They did not send me an email, alert on the app or message. I did not receive any phone call or voicemail regarding this issue. They closed my account as of mid XXXX of XXXX  without letting me know. 

XX/XX/2023 i spoke to them on the phone and they stated they did not have any verified information on file and that there was nothing they could do to open the account because it was over 30 days since it had closed.
Product: Debt collection

Attached is email communication from LoanMart 's XXXX XXXX representative ( XXXX XXXX ) threatening me with a repossession order when I clearly stated to him in writing that the XXXX/XXXX/17 payment was sent via mail XXXX/XXXX/17 ... 

First, and foremost, I 'm a LEGAL tax paying law abiding U.S. citizen, and am NOT going to be communicated with in a threatening demeaning degrading way by ANY individual, or organization, especially by someone with probabe friends, and, or family members who are illegal immigrants over a {$260.00} monthly loan payment sent in later than the payment date. Although I 'm also being assessed a daily compounding late payment interest amount!!!!
Product: Debt collection

Our policy holder incurred {$57000.00} in hospital expense in XXXX. We processed her claim and she paid the provider the amount that our EOB said was " patient responsibility ''. 
XXXX XXXX utilized XXXX XXXX XXXX hospital and she was not notified that the hospital was not accepting our payment until XXXX when she received a collection notice from Revco Solutions. 
We have written to them multiple times to explain why she does not owe this and the response was to take her NC tax refund in XXXX. 
Today, i reached out to the hospital billing that sent XXXX a notice that they had taken her tax refund. She received that last week. 

A provider has a responsibility to follow up in a timely manner just as we, the payer, have a responsibility to pay things timely. 
Had they reached out, we would have negotiated and come to a reasonable payment solution. 

I have all of the documentation regarding her case and am hopeful that you can steer us in the right direction. She is no longer my policy holder, but I told her that I would help. I have no direction on where to go next.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Debt collection

You are now put on notice again to stop all collection activities and reporting. I am revoking that now. 
My demands are as follows : For account # XXXX To provide me with the audit trail which included XXXX. Account File XXXX. Ledger XXXX. All accounting documents XXXX. All transactional history XXXX. True Invoice- Not Statements Please be sure to provide everything demanded in this notice. If you are unable to provide the demanded information you must delete these accounts immediately. If you fail to communicate to the consumer reporting agencies that this debt is in dispute, that would be a violation according to 15usc 1692e ( 8 ) false and misleading representation. The law is very clear as to the civil liability and the remedy available to me, according to 15usc 1692 ( k ). Furthermore more failure to honor this requested demand will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. 
Please be aware that freezing this account has not been updated to my credit report. 

You have XXXX  days to reply.
Product: Credit card

On XX/XX/year>24 I applied for a Capital One Secure Credit Card {$1000.00} was taken from my bank account and I was told virtually I was approved for this card. Going forward to XX/XX/year>24 I recieved my card in the mail. I called the XXXX number to activate the card I was transferred to a representative who informed me my account was closed on XX/XX/year>24 I asked when will I recieve my money back since your company cancelled my card and I did not recieve what I paid for or put a deposit down for and the rep responded with a few billing cycles a couple months. I spoke with a supervisor and asked same questions same answers and I found out that nobody at capital one can tell me why my account was closed but the inquiry stays on my credit report and I am out XXXX dollars until they decide they want to give it back to me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft resulting from a recent data breach involving XXXX My personal information, compromised in the breach, has been fraudulently used without my knowledge or consent. I am requesting the removal of the following accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

I have been paying on this debt since XX/XX/2023. The organization called the One Main Financial and they accepted the payment arrangement. I have been paying {$300.00} for 6 months. Therefore this balance is not valid as it appears on my credit report. 

I called and left several messages with the number provided in my credit report with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items that are inaccurately reporting on my credit report. I have notified the credit agencies of these errors and they have not fix these errors. Please assist me in getting these errors removed. These credit agencies are intentionally disregarding the FCRA. 

XXXX is inaccurately reporting that i was 30 days late in XX/XX/XXXX. This is not accurate information. I have asked XXXX for proof of these lates and I have not received any documentation of this late. So how did you receive documentation and i have not. 

XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX. This is not accurate information. 

Transunion is inaccurately reporting that XXXX XXXX was 30 days late in XX/XX/XXXX. This is not accurate information. 

ACCOUNTS AS A RESULT OF IDENTITY THEFT : XXXX  is reporting an UNKNOWN COLLECTION ACCOUNT - that was opened on XX/XX/XXXX with a balance of {$100.00} ; this is not my account. Please remove this account from my credit report. 

UNKNOWN COLLECTION ACCOUNT - that as opened on XX/XX/XXXX with a balance of {$0.00} ; this is not my account. Please remove this account from my credit report. 


Please remove these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX
Product: Checking or savings account

On XX/XX/XXXX my phone was hacked Someone claiming to be XXXX  support told me my phone had been breached by a XXXX  IP address. ( which when I checked into my settings a XXXX  IP did show ). They had my full name and address, my XXXX  ID, and the fact that I banked with chase. I believed it was XXXX  support, they had access to my phone through an app called XXXX XXXX. Which is a procedure XXXX  support uses, they asked to confirm that I could not XXXX any money out which I did to a dummy email of XXXX . About 2 minutes later I realized XXXX $ was taken from my account. A XXXX  payment of XXXX  $ and XXXX  . At that point I knew what was happening. I still had " XXXX  support '' on the phone and told them to return my money Now! They promised me that they didn't take it and they would send me an email stating the money would reflect my account and be sent back to my chase checking account. I did receive this email on XX/XX/XXXX ( within 10 min of me asking for it ) but I kept them on the phone as long as I could about 10-15 min went by that's when I called chase and went to my nearest chase branch. I explained what happen and changed my banking accounts on the spot. I attempted to file a claim but they were basically telling me because it was a XXXX  it was not considered fraud. I would need to call XXXX, I attempted to call XXXX they stated because I have XXXX through my bank they could do nothing for me I would have to go back through Chase. I attempted for two days to file a claim and sat on hold for 2 hours each time and no one ever picked up. I then filed a police report because that's what my chase teller told me to do. I filed with proof of emails that the money would be returned from the suppose " XXXX support '' I proceeded the next day back to my local branch where they tried to escalate a claim to the claims and fraud department, we waited for four days. I finally received a response from claims stating they will not acknowledge it as fraud and they refused to file a claim or look into the claim at all. That basically I had to deal with the fact I was scammed of XXXX . Does the Electronic claims act not cover this? How could my own bank not protect me from things like this. How could the banking system offer XXXX if there is no protection in place? The bank cant help me nor can XXXX, that's a scam in itself! The way I was treated and handle from the claims and fraud department was disheartening. They wouldn't even look into what happened, or take a copy of the police report, or the emails stating that I was supposed to have the money returned to me. I will be removing my money from this bank and I would suggest you look into the XXXX process as it is not a safe way to handle money electronically. It should not be offered if no protection is to come with it. I will be escalating to other platforms as I will not rest until CHASE and XXXX do better.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX account # XXXX, Whose address is XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : FactorTrust , Inc. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Checking or savings account

XXXX XXXX put a hold on my chase acount and I had made my payments like my car and credit card before XXXX XXXX made there hold on my account and chase start to bounce the payments that I already made.. all off them but one the chase prime credit card .... now I'm on the red. All the payments are coming back.
Product: Debt collection

The Thomas Agency regularly call my mobile phone and appear as an " Unknown Caller '', regardless of whether I answer or let it go to voice mail, the " caller '' is not a human and asks for someone I have never heard of before. The mobile number was obviously reassigned, but I can not make The Thomas Agency remove my number and stop calling me. I even called their office and spoke to someone who assured me they would remove my number ; I just received another call. There is no means I have found to remove my mobile number from their automated system, and the harassment continues. I ca n't even block them from my iPhone because their calls do not display Caller ID information to act upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a balance of {$110.00} showing This is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I already requested my XXXX  XXXX credit card be closed in good standing. They sent me an email which is confirmation about that request, but I did not see any update on my credit profile from all three bureaus. 
The account should be reported as closed in good standing ( never late ) : XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit reporting or other personal consumer reports

I submitted this dispute on XX/XX/XXXX of 2022 with the Midland credit management and despite having a valid reason to remove this from my credit as minimal things like this have affected my life and chances of being able to do things needed to be done to move forward in my life at my age. I tried everything and the company refused to remove this from my report, so this was my last resort even though I did not want to take it this far and Im hopeful your organization will be able to get this settled so I can put an end to this constant worry and issue that shouldve been resolved a long time ago, I appreciate your kindness and helping this regard and please reach out if any more information is needed
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. I DONT KNOW WHAT TO DO SO I AM WRITING YOU GUYS, HOPING I CAN GET SOME ASSISTANCE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit