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

I have a car loan with TOYOTA MOTOR CREDIT ( XXXX XXXX ) and I was using their new FINACIAL app to pay the monthly installments. However, due to an error in their FINACIAL app, I was paying more than double the monthly installment to the extent that the due date on the paper statements, I received from the company, was three months from the statement date!! My XXXX credit report shows that the reported monthly installments by TOYOTA MOTOR CREDIT was XXXX on some months which means that the account was over paid!! 

I contacted TOYOTA MOTOR CREDIT ( which also takes care of XXXX loans, like mine ) and they admitted that their FINACIAL app was not working properly and they waived the late fee on my account as I told them I had to stop using their app for payment until I avoid any over payments from my Bank account, during the course of such switch, a payment was not promptly sent!!. 

The credit report history for my payment with TOYOTA is Crystal clear and shows the over payment on the account. 

Now the payment is current without any over payment since I stopped using the app and started paying directly from my bank account. 

I disputed the late payment with TOYOTA and they apologized of the false reporting of the late payment on the account without admitting to the error on their newly developed app. 

I need my credit report to be cleared from this late payment as I explained the reason behind it earlier. Also, I have other revolving accounts on my credit report that are all have perfect status.. 

My credit was more than XXXX before reporting the late payment and it is now XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not recognize these Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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: Mortgage

Company name is goodmortgage.com I applied to them for a refi conventional mortgage on XXXX/XXXX/XXXX sent all forms request and got approved 3 to 5 days later Appraiser came out and report was sent 2 weeks later. <P/>They never used our title company and went with there 's It is XXXX/XXXX/XXXX and we have not hear anything from lender or underwriter we paid for appraiser and app but nothing is happening we just signed a closing doc last week and now its sitting pending review of the appraiser report again. we should have closed weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent investigation letters to each of the three credit reporting bureaus on XX/XX/XXXX, to investigate the XXXX XXXX account XXXX on my credit report. Each of the credit bureaus conducted an investigation and concluded that the account was verified and updated. Yet, at the end of the investigation, the payment history across the three bureaus is not 100 % accurate. 

For instance, after their investigation, Experian reports that the XXXX XXXX account ending in XXXX was 150 days late on XX/XX/XXXX, then there is no data until XX/XX/XXXX illustrating the account as a charge off. XXXX and XXXX, on the other hand, both report that I am 120 days late on XX/XX/XXXX. For XXXX, there is NO DATA until XX/XX/XXXX when the account is reported as a charge off through XX/XX/XXXX. XXXX is reporting a charge from XX/XX/XXXX to XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate, the credit reporting agency should delete the account from the file of the consumer.
Product: Debt or credit management

I signed up for XXXX in XXXX of XXXX, for an 8 month treatment plan. I chose the monthly finance option at $ XXXX to pay off the total of {$2300.00} in installments. When I chose XXXX, I was heavily swayed by their Lifetime Guarantee, which promises continued care for retainers, as well as touch-up aligners. This guarantee led me to choose XXXX, and justify the cost. Following their initial statements in XX/XX/year> about a " restructuring '' I began to question whether I'd be held responsible for the full payment, since I will no longer be provided care following my treatment. In addition, as I was nearing my last aligner, I reached out to request touch-up aligners since my teeth had NOT shifted in the way that was shown on my 3D scan. I had a virtual appointment with a XXXX representative where he took photos of my teeth, and received an email some time after that I did not qualify for touch-ups. This did not make sense considering the two teeth that bothered me most, and led me to XXXX, were still out of place. I asked for the appropriate contact ( s ) at XXXX in order to reach a resolution, both for the touch up, and my question on payment. My requests were ignored and I watched as XXXX went bankrupt, shut down their app, removed my access to my records, and hastily directed customers like myself to Healthcare Finance Direct for payment continuation, via an email blast. I have tried reaching out directly to HFD in order to resolve my payment issues, but no one has given me any resources or assistance with this. When I signed the contract with XXXX, they were contractually obligated to offer their Lifetime Guarantee, as well as promised to offer touch ups after treatment. They have breached this contract following bankruptcy, and I should not be held responsible for the remaining payments, as I am NOT receiving the services laid out in that contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company 1 : XXXX XXXX XXXX  Open date : XX/XX/2020 Company 2 : XXXX XXXX XXXX In accordance with the fair credit reporting act. The creditor has violated my right 's. Under 15usc 1681, section 602 states that i have the right to privacy. 15usc 1681 section 604, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 B, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Product: Debt collection

Saw a massive hit to my credit report with my free yearly credit check. Says Collections ACTIVE. <P/>Date reported is XX/XX/XXXX on the credit report. ( Illegally reporting false debt ) Date on Court documents states XXXX XXXX XXXX. ( I'n my eyes ; Submitting False Evidence ) Debt Collector notified me of intent to collect, I disputed the debt. They claimed it was valid and we went to court. <P/>Oregon Case No. XXXX Collection Bureau , Inc vs Me ( Defendant ) I won in court, having the entire amount dismissed with prejudice. <P/>Now some time has passed and come to find out they violated the FDCPA by reporting to Credit agency XXXX. From case notes provided by Collections Bureau Inc for Case XXXX ( XXXX Oregon ) Collections Bureau Inc Claims debt was assigned to them on XX/XX/XXXX, a day after they reported it to my Credit Agency Damaging my credit. Upon getting notified of their intent to collect I refuted it 's validity and even won in court at a later time. They did not remove their collection notice from collection agencies and illegally damaged my credit rating. Unknowingly I have suffered with a lower credit score that may have affected my purchases interest-rates and that of my student loans seeing they are on variable rates. I contacted Collection Bureau Inc today XX/XX/XXXX, informed them of the situation. They transferred me to legal. I informed legal of the situation and they stated I must dispute the claim if I do not want it on my credit report. Seeing they illegally reported against my credit and refused to take action to remedy the situation ; I am reporting this to Consumerfinance.gov I'n hope to prevent future person ( s ) from having to deal with this agency. <P/>At this point I retain my rights to prosecute for damages or any other issues relating to this case. I 'm 100 % sure if they wish to contact me with an public apology, that they still have my phone number. In the mean time I have disputed the claim on my credit report and hope to see this issue resolved quickly.
Product: Credit reporting or other personal consumer reports

I received an alert saying XXXX XXXX XXXX attempted a hard inquiry. I called XXXX and they didnt see an application for a line of credit. This inquiry is still on my credit report and I want Trans Union to contact me about this and remove the inquiry. 
XXXX # XXXX XXXX type : pull attempt while locked
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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. 


XXXX 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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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: Payday loan, title loan, personal loan, or advance loan

I was put on part-time for work and fell behind on my Loan. In XXXX of XXXX  I reached out to upgrade with options to get caught up. They mentioned the hardship program and how it worked and they would put me on bi-weekly payments to catch up on my loan. They put me on bi-weekly payments which were paid. They failed to mention that this won't actually help me catch up from being late and were still charging interest and my payments weren't actually making the full payment. They charged off my loan. When I called they said I was never enrolled in the hardship program even though they told me this would help me catch up and I would not be late. They ended up telling me I can't enroll in the hardship now because I was too far behind and they ended up charging off my loan. I asked for them to review the call where the associate first set up me and they refused. They now ended up charging my loan off and putting a default date of XX/XX/ even though I was making the payments they set up for me until they charged it off XX/XX/XXXX  which they set up as part of the program I was apparently never enrolled into.
Product: Credit reporting or other personal consumer reports

Hard inquiries were made to the following Credit bureau agencies including XXXX and 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, CCBXXXX 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 or other personal consumer reports

On XX/XX/2023, XXXX XXXX notified me that they would no longer service my loan as of XX/XX/2023. Please see attached document. The new servicer of my loan became XXXX XXXX as of XX/XX/2023. I sold the property on XX/XX/2023. I no longer own the property, but both XXXX XXXX and XXXX XXXX have failed to properly update the credit agencies that a mortgage no longer exists on the property. My credit reports are all showing mortgages for a property that I no longer own. I have filed disputes with the credit agencies, but my credit reports are still not being updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with cnacXXXX on XX/XX/XXXX and I have recent inquiries only credit dated XX/XX/XXXX and XX/XX/XXXX I need those removed off my credit report being that I did not authorize this company to pull my credit report after XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I myself XXXX XXXX XXXX will like to request a RE-INVESTIGATION on Account that is negatively impacting my profile. There is still inaccurate claims on my report. 
Pursuit 15 usc 1681 accuracy and fairness of a credit report according to the law before any information is inserted it should be accurate. I am aware of the law. XXXX has adhered and deleted the negative account however, Experian and XXXX is still reporting this collection. I have contacted for a very long time, mail and phone calls. And no positive resultsa. I am placed on hold for hours and treated very unfair. 

PLEASE HELP I AM FUSTRATED AND DOING MY BEST
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau says account with XXXX XXXX is verified. Sent multiple rounds of dispute recently was told that my dispute was frivolous and they will not reinvestigate. I have contacted the collection agency requesting for debt to be validated multiple times and received no response ( see certified mail attachment ) however this account remains on my report and trans union specifically refuses to reinvestigate or remove it.
Product: Debt collection

They furnished a report without my permission. Which Is a violation to pursuant 15 usc 1681b ( 2 ). I sent the two attachments and didnt receive a reply. They violated my right to privacy and failed to send me proof of me actually owing the company. They failed to comply with 15 usc 1692g and verify the debt. I also asked them to send an XXXX XXXX XXXX XXXX of the account and they failed to do so. I told them to cease all communications with me through any and all mediums and they are still reporting this account on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX XXXX TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2022 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX  does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to XXXX to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

XXXX  refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.
Product: Debt collection

Multiple attempts at disputing both with the collection agency and the credit card company itself. I sent documentation showing that the debt was not mine ( they offered proof ) and with an open dispute it was turned over to collections. The collection agency told me that debt in dispute could n't be turned over so I was wrong or lying. They then continued trying to collect.
Product: Debt collection

Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. Amount of reported debt {$810.00}. I previously requested debt validation from the collection agency handling this accountXXXX1ST CRD SRVC but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Money transfer, virtual currency, or money service

Bank of America made a mistake processing a wire i tried to send on XX/XX/20. They then lied to me and told me the other bank didnt reply to a swift message that they never sent. Then they lied and said their website doesnt always display the right disclosures so they had to cancel it so I could try it again. Then they finally admitted they clicked the wrong button and cancelled it by mistake. It should be illegal for banks to lie and blame other companies for their errors. You should fine them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX ) has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LVNV FUNDING C/O RESURGENT CAPITAL SERVICE XXXX XXXX XXXX XXXX XXXXXXXX Re : Validation of Debt for Account # [ Account Number ] XXXX Dear [ LVNV FUNDING or To Whom It May Concern ], I am writing in response to your [ letter/phone call ] in which you allege that I owe a debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt.

Specifically, I request the following : 1. Verification that you are legally authorized to collect this debt : Provide the original assignment contract or proof of sale/transfer of the debt. This document should include the original creditors wet signature.

2. Details about the debt : A complete breakdown of the original amount, any added fees, interest, or other charges.

A copy of the original agreement between me and the original creditor. 3. Evidence of your authority to collect : Copies of any licen
ses or permits allowing your company to collect debts in my state.

Please note that under 15 U.S.C. 1692g, you are required to cease collection activities until you provide proper validation of this debt. Any failure to provide the requested documentation within 30 days will be interpreted as your inability to validate the debt, and I will consider this matter closed. 

I look forward to your prompt response. Please send all correspondence to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX  XXXX individuals coerced me into opening Chase Bank card on my behalf in the amount of {$22000.00} that went to their account. They promised that if I worked for them that they would pay me enough to pay it off in 15 months and I could participate in their self-improvement program. This they put in writing. 
Very soon it was obvious they were not able to pay me as promised and I was not eligible for the self improvement program. I reported this and they said they would return the money. I have text messages and written reports from them on this and subsequently filed a claim per their request. This has been going on now for a year. They locked me out of my office and turned off my computer in retaliation for asking for the return of the money. I no longer work for them. Chase said they could not help. I am XXXX years of age and am on Social Security. I am dissatisfied with the goods and services promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unjust that 3 businesses can have access to such personal and potentially damaging information such as my Social Security Number, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.