23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an identity theft report because someone has used my identity information ( name, social, phone, etc to open accounts in my name. They have also opened a XXXX XXXX  bank account with my information and a different address. I have spoken to the XXXX XXXX XXXX restoration case team on several occasions. They have been helpful but there are still fraudulent accounts coming up on my credit report. I put a freeze on opening any new accounts
Product: Vehicle loan or lease

Took out a car loan of {$57000.00} with Toyota Financial Services ( TFS ) on XX/XX/XXXX. The auto loan has a finance charge of {$9300.00} at 4.99 % annual percentage rate ( APR ). Payments for the car loan was agreed between myself and the XXXX XXXX dealership to start on XX/XX/XXXX for my first payment. 
According to the contract signed, per the XXXX XXXX and Payments clause, the finance charge is calculated on a daily basis at the annual percentage rate on the unpaid part of the amount financed. Mind you my contract was agreed and signed by both parties to start on XX/XX/XXXX. Meaning, payment for my loan would start on XX/XX/XXXX. The Finance Charge and Payments clause also states, that, XXXX days after a payment is due as originally scheduled or deferred, TFS will compute and charge interest on any balance remaining unpaid, including any unpaid default charges or deferment charges at the annual percentage rate ( I am assuming Toyota Financial Services expects payments for car loans, middle of each month ). 

Here is the issue I have with TFS and the dealership : XXXX. Having called Toyota Financial Services, I was told over the phone that the dealership included a {$7.00} daily late charge cover up in my contract. This was revealed to me and not included in my contract. 
XXXX. Toyota Financial Services started pushing the amount finance ( car loan ) up daily by applying charges on the loan prior to the contract start date ( XX/XX/XXXX ) despite having not defaulted on any payment or the contract starting as agreed by both parties. 
XXXX. By applying interest/late charges on the amount financed ( car loan ), the amount I borrowed from Toyota is now skyrocketing on a daily even before the contract is supposed to kick in. 
XXXX. This manipulation and coercion tactic by TFS stressed me into making an untimely payment on XX/XX/XXXX for my first payment thereby, in believing the payment would affect the amount financed ( principal ). 
XXXX. After 4 days ( XX/XX/XXXX ) of my first car note payment, the amount paid has and did not reflect on the principal amount prior to the bank holiday and the finances amount keeps going again.
Product: Debt collection

Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

I had my credit pulled for as I have never had any credit and had an account from Credit Management LP on my credit report dated report date of XX/XX/2019. I called and spoke with a harsh rep as I have not had any accounts open with this company, she stated just pay my bills. I explained I have no idea what company this is as I have never used credit my entire life and she stated XXXX XXXX. I stated I live with my finance and she has her own cable which is XXXX XXXX so that can not be correct. I asked for documentation and an address that had this service, she stated she could not give this information and pay my bill. I stated I am not responsible for any bills I have not created. Asked to be sent documentation to my address showing I signed a contract or anything for this XXXX  place as there is no XXXX company any where around me. I told lady it is my right to have documentation along with my signature and anything else before they can just give any one services, as well as Credit Management has not contacted me either regarding placing anything on my report without giving me proper notice in writing. Had I not been checking my credit, I would never knew this was on my report. Lady did not want to help nor send documentation. I filed a report with the FTC for identity theft and also sent Credit Management written notice certified mail to send me documentation of me signing anything with XXXX, they failed to send me anything not even a bill which is against Federal Consumer Laws.
Product: Checking or savings account

I put a " stop payment '' on a check for my Wells Fargo bank account on XX/XX/XXXXXXXX XXXX last year. The representative that I spoke to on the phone said that " the check would not be cashed. '' On XX/XX/XXXX, the check was passed through and cashed by Wells Fargo bank.I had an overdraft of {$500.00} to my account, and when I called the bank 's claim line, they filed and denied my claim. The account overdraft amount caused me to pay it off and change banking institutions. I do not believe that they practice fair bank practices.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX. I noticed there are a few problems on my personal credit report on XX/XX/XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. '' Please correct the spelling on my name to : XXXX XXXX XXXX I should only have 1 address : XXXX XXXX  XXXX XXXX XXXX Nc XXXX Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account number : Account balance : XXXX Account name : XXXX XXXX  XXXX When the account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXX XXXX XXXX When the account was opened : Account balance : {$420.00} Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : XXXX Account name : XXXX XXXX XXXX when the account was opened : XXXX XXXX Account balance : {$300.00} Account name : XXXX XXXX XXXX When the account was opened : XXXX XXXX Account balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry from Toyota on my credit report that I did not do! I didnt apply for any services or products from this company! Its fraudulent inquiry please remove off of my credit report
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy. XXXX, Equafax and XXXX are consumer reporting agencies and I am the Consumer. I XXXX XXXX XXXX have the right to make sure my private information isnt shared which rd is found in 15 USC 6801 which states its the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies : is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The Financial institutions and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax and XXXX, ( Furnisher of information to credit agencies ) wether it be verbal, non verbal, written implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that : A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A person shall not furnish any information relating to a consumer to any consumer regarding agency if the person knows or has reasonable va de to believe that the information is inaccurate 15 USC $ 1681s-2 A.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone : XXXX Email address : XXXX Subject : Formal Complaint Regarding Collection Accounts on Credit Report Complaint Details : Account Information : Creditor Name : XXXX  Account Number : XXXX There are inaccuracies on the dates that the account was opened. 

Creditor Name : XXXX XXXX  Account Number : XXXX There are also inaccuracies on when the account was opened and the current status of the account Creditor Name : XXXX XXXX XXXX Account NumberXXXX Issue Description : I am filing this complaint to dispute the collection accounts listed on my credit report from the aforementioned creditor. These accounts are negatively impacting my credit score and financial well-being. I believe the creditor has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S. Code 1692g - Validation of Debts : Under 15 U.S.C. 1692g, I have the right to request debt validation. I have not received proper validation of the debts from the creditor. The collection agency is required to provide verification of the debt, including the original creditors name and address, and a copy of any judgments. To date, I have not received any such validation. 
2. 15 U.S. Code 1692c - Communication in Connection with Debt Collection : According to 15 U.S.C. 1692c, the collection agency is restricted from communicating with me at inconvenient times or places without my consent. The collection agency has contacted me at inappropriate times and/or places, which I believe is a direct violation of this provision.

Documentation : I have attached the following documentation to support my complaint : 1. Copies of my credit report showing the disputed collection accounts. 
2. Any correspondence between myself and the collection agency regarding debt validation requests. 
3. Records of communication attempts made by the collection agency, including dates and times. 

Request for Resolution : I respectfully request the following actions to resolve this issue : 1. Immediate removal of the collection accounts from my credit report due to the failure to validate the debts as required by law. 
2. Cease all communications from the collection agency regarding these accounts. 

Signature : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 my consumer credit report was accessed without my express permission or knowledge.
Product: Debt collection

I set up a monthly payment of XXXX $ and two months it was taken out of a prepaid card the next month XXXX was taken out of my account and I called to resolve the issue. They send fax my statement which I did about 4 times they never received. I was speaking with a XXXX or XXXX, now another representative calls me to accuse me of lying. She hung up the phone after threatening me while I was asking for the company email or personal so I can send her the proof. Her name was XXXX. I have attempted several time to call her back and no response I also found the company phone number no one answers as well.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Negligence and Non-Compliance under 15 U.S.C. 1681o Transunion This letter serves as my formal dispute regarding your negligence and failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically as outlined under 15 U.S.C. 1681o. Your actions or omissions have resulted in the following violations : Failure to Maintain Accurate Records : It is my position that you failed to exercise reasonable care in ensuring the accuracy of the information reported under my name and Social Security Number. This constitutes negligence as defined under the FCRA and has caused harm to my financial standing and personal reputation.

Failure to Conduct a Proper Investigation : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent investigation within the statutory timeframe. This failure undermines the protections afforded to consumers under the FCRA.

Negligence in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse.

Demand for Immediate Action : Pursuant to the provisions of the FCRA : I demand an immediate and comprehensive investigation into the disputed information.

I require the correction or deletion of any inaccurate or unverifiable information from my credit file.

I request a full and detailed report of your investigation and the steps taken to resolve this matter.

This letter constitutes your final notice to resolve this matter amicably. Failure to comply with your statutory duties will result in my seeking all remedies available under the law.

Please respond in writing within [ specify reasonable timeframe, e.g., 30 days ] with evidence of the corrective actions taken.
Product: Mortgage

I received a forbearance that started on XXXX. My payments went from {$1100.00} to XXXX during the six month period which has not ended but does end XXXX. Suddenly my escrow account is at $ XXXX, I owe {$1200.00} for the month of XXXX, {$1200.00} for the month of XXXX and will owe XXXX for the month of XXXX, event hough I have consistently paid more than {$390.00} every month except one since my forbearance started, often paying more than {$1200.00}. I don't understand why my payments are {$1200.00} during my forbearance where my payments should be {$390.00}. I don't know why my taxes haven't been paid. And I don't understand why I have a lumps payment of over {$3000.00} due. I talked with a representative with SPS servicing and HOPE and am still very confused I feel like SPS servicing is committing fraud.
Product: Debt collection

this company used an automatic dialing system to call my cell phone without my permission on several occasions. additionally the collector did not disclose the " mini miranda '' and this debt is out of statute. several tcpa violations.
Product: Checking or savings account

I submitted a claim for an authorized transaction in my SoFi account of {$390.00} on XX/XX/2023. As stated in my initial claim to SoFi, I don't know who XXXX XXXX is and would not send a large amount of money to a random person. I only use that payment function to send rent to my brother, and pay my mother or partner- XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these names are listed in my transaction history. Ive included screenshots of my past Pay a friend transactions to SoFi to show this history. 

I tried to cancel this transaction as suggested by SoFi, however - SoFi did not allow it. I tried to dispute the transaction, but SoFi said the transaction must be posted. I clearly did not want this posted on my account, that is why I am disputing it. 

I read that the report says this is rejected due to a geolocation being used and therefore rejected- all that confirms is that someone accessed my account without my awareness or authorization. That does not make me responsible for a transaction I did not send or authorize. I am speaking to my awareness of the situation and the impact it has caused with my finances and trust using SOFI. 

That is not a transaction I authorized or a recipient I know. I even locked my debit card as soon as I noticed this {$390.00} posted to my account. This is the only transaction I have ever asked to dispute. 

SoFi refuses to let me speak to someone over the phone and continue to close my case without reviewing the details or circumstances.
Product: Credit card

Back in XXXX this year, I scheduled a payment with Citi Card Online banking and on the due date my payment was not taken out by the system and all of a sudden I am immersed in credit card debt, with over the limit fees and interest over the balance and I am not willing to pay. They are ruining my credit. I have another credit card with them in good standing and before this system glitch, I was paying these credit cards. The only other time I had fallen behind payments, was for the same reason, but Citi Card will tell you there 's nothing wrong with their system. But the reality is you ca n't schedule payments to be taken with two weeks in advance, because the system wo n't work. They are ruining my credit and I do n't know what else to do. XXXX, you are my only hope. I have no money to hire a lawyer or take legal action.They are denying this to their teeth without conducting an investigation and checking their own online system.
Product: Debt collection

SOUTHWEST CREDIT SYSTEM keep reporting invalid item to my credit report. I have disputed multiple time and they keep verifying account. No bill was sent or debt validation to validate debt. This account is not owned by me, neither did the collection agency send a debt validation for this item which is violation. No letters was sent to my home address but instead they sent me to collection. I request debt validation which includes signature, date debt was bought/assigned from original lender, debt owned/collection fees accrued to account, and invoices of debts.