23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Toyota Motor Credit ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 
Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including contracts or instruments bearing my signature. Complete account history, including collection-related charges. I am filing a formal complaint citing violations of my
consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is falsely reporting late payments on an installment account that was under the protection of the Cares ACT. I have letters from XXXX dated XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX I even opened up XXXX complaints regarding the following issue. I had contacted XXXX requesting Covid relief for an installment loan that I currently have with them. I was offered a loan modification agreement to help ease the burden of the payment during the worldwide hardship we were all experiencing. I was assured that late payments would not be reported negatively nor that late fees would be accessed. I reported to XXXX that I did not live at an address they had on file and that I needed the documents to be mailed to my current address. I was told that the documents would in fact be sent to the address I provided yet I never received them. I stayed in contact with XXXX because the modification agreement never arrived and they were time-sensitive. I made this initial contact with an XXXX representative by the name XXXX XXXX XXXX assisted me in opening up XXXX cases regarding the late fees and payments that were on my account at the time. My credit report shows 120 days late and that is absolutely not true. I wrote to XXXX showing them I had made the payments for the months of XX/XX/XXXX and XX/XX/XXXX. In XXXX they did waiver the late fees and yet did not reverse the late payments. This is false and inaccurate reporting. In all of the correspondence from XXXX that I mention above, they apologize for the confusion and the lack of good customer service. I can provide copies of all the letters and statements to show that I was under the protection of the Covid relief and that it was XXXX that did not update my address and continues to ignore the proof I have sent them. The sad part is I have been with this financial institution since XXXX. I have never paid late or even given them any kind of issues. We were all impacted by the Pandemic and this is unacceptable. I have always paid for everything on time. I demand that my record be reported correctly and these late payments are deleted. I am prepared to take all necessary steps to correct this situation. It is impacting my life terribly. All calls are recorded. I demand the calls be pulled! I was promised and assured that the late payments would not be reported nor would late fees be accessed. I have a call log of when I called XXXX. I will gladly send the log to the Attorney Generals ' office or anyone office. This is impacting my life horribly.
Product: Vehicle loan or lease

My vehicle was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. A company hired by my auto loan lender Ally Financial. I made payment to Ally Financial on XX/XX/XXXX. After doing so I was given instructions by an Ally Financial agent on how to redeem my vehicle. I arrived at XXXX XXXX XXXX on XX/XX/XXXX to redeem my vehicle and personal belongings. When I was given an inventory receipt by the XXXX XXXX XXXX agent ( claimed to be the manager ) I noticed the inventory wasnt accurate. I was told I needed to sign a waiver releasing XXXX XXXX XXXX and Ally Financial of any and all liability. When I refused to sign it I was told my vehicle wouldnt be released. I explained to the XXXX XXXX XXXX agent that I had a substantial amount of valuables in my car and dont know the current condition of my car how was I expected to release them of any liability. The XXXX XXXX XXXX agent strictly stated my vehicle wouldnt be released if I didnt sign the forms. I exited the facility and went to my vehicle and called Ally Financial and stressed my concerns to XXXX. I was on the phone for XXXX minutes while Ally Financial communicated with XXXX XXXX XXXX with no positive outcome. Ally Financial was of NO help. The company they contracted XXXX XXXX XXXX still refused to release my vehicle and personal belongs without signing the waiver releasing them of any liability. This puts me and my family in a really rough position because we need our vehicle and the personal belongings in it. Its literally our livelihood. I paid what was owed and fully entitled to retrieve my vehicle. Let it be noted a XXXX  XXXX agent towed my XXXX XXXX XXXX XXXX XXXX roughly a block while it was in park. The vehicle is XXXX  XXXX XXXX. Idk if any damage has been caused to my vehicle. Photos and video footage are available documenting this. This is another reason why I dont feel comfortable signing the waiver releasing them of any and all liability.
Product: Credit card

Two credit cards from Bank of America were under a debt management plan and paid both off through the debt collection firm and posted to the BofA credit card accounts on XX/XX/XXXX. 

Once the total was paid off through the debt management company, I checked the BofA app and still saw a balance on one card for {$88.00} ( rewards card ) and $ XXXX ( travel card ) on another. I called BofA on the XXXX of XXXX and asked if the balance could be adjusted on both cards on their end and return the {$44.00} that was owed to me so i the accounts can be closed off. I was told they can not adjust on their side and i had to pay the {$88.00} on the rewards card account and the XXXX i was owed on the travel card account would be sent in the form of a check soon. So i paid the {$88.00} over the phone while still talking to the BofA representative to ensure i did not owe any balance on the rewards account and this brought the balance to $ XXXX on this account. 

I was expecting 2 checks for the excessive balance i paid on both accounts for XXXX and XXXX respectively but now almost 3 weeks later, i was charged an interest of {$26.00} on the rewards card account. When i called BofA, i was told they will deposit the {$130.00} that is owed to me from the travel card account to my checking account in a few days but they can not do anything about my rewards card account since the interest was based on the balance. When i mentioned the balance was XXXX as of the closing date XX/XX/XXXX, how can i be charged an interest on XXXX, i was told it was due to a balance of approx {$8000.00} which i do not see any where in the statement balance on the accounts. I was told when i called customer service on XX/XX/XXXX, the rep did not give me full details on this interest and hence i was charged a month later which does not make sense given i had a negative balance so how can interest be charged? This seems like hidden fraud charges that was not told to be before nor reflected on my account and now I'm being bullied into paying something i am owed instead of the bank closing my account.
Product: Checking or savings account

I was notified by XXXX that an account was tryint to opened in my name by UMB bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX XXXX  XXXX  XXXX Status Open. {$1200.00} past due as of XX/XX/XXXX. 
Account Type Rental Balance {$2200.00} Date Opened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. Please evidence proof of the alleged debt, including the alleged c
ontract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with CREDENCE RM company I believe the original creditor XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two dismissed bankruptcies on my Experian report. Experian told me that I needed to dispute the bankruptcies with XXXX. I disputed with XXXX and they were removed. Experian still did not remove them. XXXX disputed them with Experian on my behalf and Experian STILL would not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/2015 Balance : {$1900.00}.
Product: Credit reporting or other personal consumer reports

This is numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$2600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX Balance : {$8900.00} XXXX  XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Company has provided no validation of treatment that was received by the dentist of detailed bill of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several requests to please remove items that were fraudulent on my credit report from identity theft however the same reports continues to show on my credit report I have been submitting since XX/XX/2015 when I actually began to evaluate my credit they also continue to keep out date and closed reports as well
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 
These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. 
Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXX  XXXX XXXX XXXXXXXX Balance : - XXXX BANK XXXX Balance : {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} Equifax : XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX XXX Balance : {$680.00} BANK OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX 2017 ( XX/XX/2017 ) I received a call from a Bank of America representative to be precise fraud department telling that, there is fraud going on regarding phone numbers associated with customers account, I said okay then she said for verification propose she was going to send me a text to my phone for clarification and identification which she did and I verified. Not quite two hour I log into my account and I saw the sum of XXXX XXXX XXXX XXXX dollars being debited from the account been pending I called Bank of America right away, I was transferred from one department to the other until finally someone told me that the department responsible for such matters is closed, that I should call the next he gave me number to call.

When I did call the next day I was instructed to go to the bank office and open a new account and the current account in question will be temporary suspended pending investigation, what ever I have balance will be transferred to the new account that it might take ten business day for the investigation. After ten days I called and I was told that they sent me an email which actually I saw but was n't sure if that was from XXXX XXXX XXXX because it was not easy to access. Eventually I was directed on how to open it but before that the representative told me that my case was denied. I have been trying to reach Bank of America that I have nothing to do with such transaction they have been very adamant about not returning my money, hence I decided to reach everyone that can help in collecting my money for this have cause a great hardship to my family through the Holidays. Thanks XXXX : I am unable to attach the police report
Product: Credit reporting or other personal consumer reports

there are 2 hard inquires in my XXXX credit report were NOT from me. One is from TD Bank USA/Target inquired on XX/XX/2023. The 2nd one is from XXXX XXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( Target card and XXXX card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!
Product: Credit card or prepaid card

I tendered payment via an XXXX  negotiable instrument in the form of postal money order XXXX in the amount of {$XXXX} to my Platinum account in accordance with XXXX, UCC 3-603 and UCC 3-311. They accepted my instrument and tendered it for {$XXXX}, but did not credit my account properly. I spoke to them on the phone ( recording attached to previous complaint with XXXX # XXXX ) and they refused to apply the proper payment, even though they admitted they accept legal tender, which is what I gave them. This is a dishonor and against the law. Congress has the constitutional power to make the Treasury notes of the United States a legal tender in payment of private debts, in time of peace as well as in time of war. See ; Supreme Court Case Legal Tender Cases, 110 U.S. 421 ( 1884 ). USPS money order is equivalent to a promissory note by public law. 
I submitted a private complaint with CFPB on XX/XX/XXXX for Capital One. They responded on XX/XX/XXXX that they needed more time. On XX/XX/XXXX I made another payment to both Capital One accounts, although my account is already paid in full via the legal tender they accepted and cashed on XX/XX/XXXX. On XX/XX/XXXX I received a letter via USPS mail from Capital One XXXX that both of my Capital One Accounts are closed but still open for payments. Capital one is in direct violation of public law and UCC 3-603 ( b ) when Capital One accepted the legal tender by cashing the money order and then closing my account. XXXX XXXX ( b ) states " If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates ''. 
I have not broken any cardmember service agreements as Capital One stated in their letter ( see attachments ). Capital One Bank cashed the Negotiable Instrument for {$XXXX} and retaining it constitutes accord and satisfaction, See ; Supreme Court cases Lovorn v. Iron Woods Products Corp., 362 So.2d 196, 197 ( Miss. XXXX ) and T.C. COOK & Mack Hicks, d/b/a Cook 's Crossing Auto Center v. Jack BOWIE , et al XXXX ( Rehearing Denied ) Capital Ones Failure to Notice, Acknowledge and/or Understand the Verbiage does not change the provisions of Accord and Satisfaction. See ; Mc Mahon Food Corp. v. Burger Dairy Co., C.A.7 ( Ill. ) XXXX  103 F.3d 1307, ( rehearing Denied ) Capital One is an LLC that must abide by the Uniform Commercial Code ; The entire taxing and monetary systems are hereby placed under the U.C.C. '' ( Uniform Commercial Code ) '' - The Federal Tax Lien Act of 1966 I have the right to negotiate the money order that I purchased with written provisions that satisfied the debt without levy of my account. UCC 3-114 sates that " If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers ''. 
I have attached the Laws and Codes for your review.
Product: Debt collection

I don't have any knowledge of XXXX or any plans or credit cards and why is my djj record is showing on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my right. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also a state consumer reporting Agency can not furnish A account without My written instructions. 15 USC 1666B : a creditor may not treat a payment On a credit card account under an open end consumer Credit plan As late On purpose.