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

Account number : XXXX Company : Toyota financial services. 

This is a complaint that Toyota financial services is reporting inaccurate and incomplete information on my consumer report. The notation of the following late payments is inaccurate. Please investigate and verify all data on this account is reporting accurately, including every payment, date and notation. Whether its reported or not. 

I also Respectfully request to be provided specific proof that these late payments were in fact late. I request to see payment transactions and statement records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( paid as agreed, never late ) according to consumer protection laws.
Product: Debt collection

THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH XXXXDOLLARS AND I ONLY USED XXXXDOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT SICKNESS OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH
Product: Checking or savings account

I was made aware by mail that my TD Checkings Account, Savings Account, and Credit Card has been Closed. After visiting my local branch they were unable to tell me an appropriate reason as to why my account was closed.The reason I was provided was " Closed by demarketing Department ''. They told me to call their demarketing department and I have not heard back in a month.
Product: Debt collection

I have repeatedly told this company this is NOT my debt. They keep telling me that this is all of my info and I keep telling them this is what happens when there is IDENTITY THEFT. They are rude, call numbers that should NOT, do not follow all of the laws of collections when they are advised of identity theft. I have advised them before and asked them if they would like a copy of my police report and I always receive a response but nothing to follow behind that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$4500.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$0.00} XXXX   XXXX {$9000.00} XXXX XXXX XXXX {$3300.00}
Product: Debt collection

They have called me every workday since the beginning of 2024 for debt collections. I have no debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, XXXX, XXXX and Equifax. 
Removal of all addresses except : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
Product: Money transfer, virtual currency, or money service

I recently had to dispute a charge on my Venmo account which triggered my account to be put in a frozen status. I received an email to send a picture of myself with a government photo ID which I found very odd not even sure that's legal but I did it anyway. Everytime i try to reach out to them they said someone has my case and should be taken care of in a couple days but as of today my account is still frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were many unauthorized inquiries placed on my credit report. The dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There is a total of 14 inquiries on my credit report.
Product: Debt collection

This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Failed Disclosure verification of debt and still reporting account : The information this company has provided is woefully deficient and fails to establish that this is a valid item. First, they have not, by any credible means, demonstrated that I owe this alleged debt to their organization. They have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. They have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 
Second, they have merely provided a copy of their invoice from your own debt collection company which is simply not enough satisfactory proof that I, personally, incurred this alleged debt. They have failed to prove that there is any legal or contractual obligation between myself, theiry agency or the creditor. 
Third, they have failed to establish any relationship between me and the purported debt. All of my personal information from their attached letter was received after I mailed correspondence to them. I demand that they discontinue reporting this item to the credit bureaus and, in fact, that they delete the item.They have failed to provide ANY credible proof that the alleged debt is mine or that the alleged debt can be validated.
Product: Debt collection

I submitted the paperwork for the debt showing and explaining that I did not authorize those charges. I also submitted the paperwork showing that I had to file a lawsuit to collect the debt along with the bankruptcy that was filed dismissing my judgement.
Product: Mortgage

I have had homeowners insurance on our loan since we bought our house approx. 13 years ago. we changed insurance companies to state farm insurance. we changed XX/XX/2015. we were double covered until the end of the month. we have not had our insurance laps. America servicing company had been reported that we were changing and the new policy was sent to them by state farm on XX/XX/2015. I got lender based insurance info sent to me by them so I contacted them again and gave them the insurance company, and policy number, called state farm and had the policy resent to them. Come to find out they set up a escrow account and started charging me more for my payments. They have been contacted at least 7 times on this. They have taken extra monet from me which I feel they stole from us on a fraudulent basis. They were asked if they would give me a copy in writing on how long they have been taking it and I have been dealing with this for months with the mortgage company still not giving me the paperwork. I have had insurance and I want the money back they took from me on a fraudulent basis. I keep getting passed around to case managers on this just delaying it and it seems like hoping I will just give up and let it go. They took money from me on a fraudulent basis. I do n't care if it was {$0.00}, they were not entitled to it. I was insured.
Product: Payday loan, title loan, or personal loan

PayPal has no idea how their system operates : I have a {$2200.00} line of credit with PayPal but have been unable to use it. Paypal 's security system continuously denies my charges regardless if amount is {$100.00} or {$1500.00}.   I have called numerous times, spending hours on the phone over the last few weeks and NO-ONE at  paypal  is able too provide or understand why I have been unable to use my line of credit. Paypal is in direct violation of our agreement  ( contr act ) and has provided false information soliciting me to obtain credit through them. They have also damaged my credit reports by making an inquiry and adding a new account, which I am unable to use. I have literally tried everything. During these phone calls, Paypal reps have advised me to attempt different methods. I have with no success. I have even attempted with a rep on the phone who claims to have tried forcing my transaction through. There is no identity issue with me as I have always called from my phone and have passed numerous identity questions and test. Paypal simply has a security system they do NOT understand and are unable to adjust or get around. Basically Paypal 's system controls everything, and does not allow a human wether it be a PayPal rep, supervisor or someone from the risk department. to adjust. This is INSANE and then public should be aware. If you research Paypal complaints, there are literally tens of thousands, most about the same issue. I have never seen a company with more complaints. Additionally, this has hurt my business relations with others. When I purchase something and promise to send funds and this funds are denied, people tend to be wary of doing further business with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and the result of that several account are reporting that are not mine i have try many times to fix this problem with these company and they refuse to removed these account from my report, account that are fraudulent XXXX XXXX XXXX # XXXX XXXX # XXXX COLLECTION # XXXX COLLECTION # XXXX COLLECTION # XXXX
Product: Money transfer, virtual currency, or money service

There has been a major issue with the banking integrity of CashApp. After several disputes and attempted charges, everything has been deemed correct. The investigation process seems to be flawed.
Product: Checking or savings account

I received overdrafts fees from Wells Fargo XXXX
Product: Vehicle loan or lease

I had a car loan with C.N.A.C through J.D. Byrider in XXXX. I was told that I had to pay for outside insurance because the insurance that they provide was for their benefit. I paid a XXXX down payment because I was told it was required. I had the car for over a year and the balance never went down. I called and asked them for a copy of the contract and they kept giving me the runaround. They repossessed my XXXX XXXX in XXXX when I was in XXXX taking care of a family member. I was not behind a month, my balance was around XXXX but they took the car and charged an additional XXXX. I knew what they were doing was wrong I just didn't have the knowledge to help me. I sent them an affidavit of truth on XX/XX/XXXX and have not got word from them. An unrebutted affidavit stands as truth in commerce, an unrebutted affidavit becomes the judgment in commerce.
Product: Money transfer, virtual currency, or money service

USAA offered a balance transfer of 1.9 APR on all transfers. I obliged and requested a XXXX transfer to be paid to a XXXX XXXX XXXX XXXX which is serviced by a company called XXXX XXXX. 

XXXX XXXX, upon receiving the check, incorrectly routed the check to XXXX ( I am not a customer of theirs ), who services XXXX XXXX lines of credit. 

This check was issued on XX/XX/XXXX by XXXX XXXX ( who I am not a customer of but obviously has some affiliation with USAA ) on my behalf for the XXXX amount ( I have proof of the check and that it was cashed by XXXX ) I then spend the next 3 months arguing with all parties above on how to get the balance transfer back from XXXX to XXXX while all of them claim to have no wrongdoings or mistakes in the process. After 3 months of arguing with customer service reps I wrote an email to the CEO of XXXX. 

That led to a phone call by their executive response team who has been able to apparently track the money down and they are now reissuing the funds back to XXXX XXXX. 

But now I have no affiliation with XXXX XXXX and no way of getting that money back from them. 

USAA claims to have no affiliation with XXXX XXXX DESPITE using a check from XXXX XXXX as proof they carried out the balance transfer. 

They are not helping me to reclaim the money from XXXX XXXX now. 

If that isnt a textbook definition of fraud I dont know what is.
Product: Credit reporting or other personal consumer reports

15 USC 1681b Clearly states Any consumer reporting agency may furnish a consumer a report under the following circumstances and no other. In accordance with the written instruction of the consumer. That's aggravated Identity Theft 18 USC 1028A, you have possession and are using my information without my consent. 15 USC 6802 A Financial Institution may not disclose non-public personal information to a non-affiliated third party unless they give you the CONSUMER the opportunity to exercise your right to OPT-OUT. Please remove all accounts on my report that has been Illegally publicized without my consent. Thank you for your time and patience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$970.00}
Product: Debt collection

I've disputed this debt and received nothing in response. This is a violation of the FCRA and FDCPA and warrants the complete removal of the account from my credit!
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my credit reports and it still shows unverified information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purpose.
Product: Money transfer, virtual currency, or money service

I want to contact paypal to withdraw my money. But I can't get in touch with them all the time. I want to add another bank, but I keep making mistakes. Link a bank account Sorry, we can't link your bank account right now. My email number is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards a hard inquiry currently listed on my credit report and file. The hard inquiry from XXXX on XX/XX/ is fraudulent and was not inquired by me. This inquiry is a result of identity theft, and needs to be removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XX/XX/2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. 

Since the breach, I have experienced unauthorized access to my accounts and have incurred financial losses as a result. Despite taking preventive measures, including placing fraud alerts and credit freezes, I continue to face challenges in securing my identity. 

I urge XXXX to take responsibility for this breach and provide adequate support to affected individuals like myself. This includes enhanced identity theft protection services, timely notifications of any suspicious activity, and assistance in resolving any related issues. 

I hope to receive a prompt response addressing my complaint and outlining the steps XXXX will take to rectify this situation for its victims.
Product: Debt collection

On XX/XX/2023 One Main Financial closed my account with them and charged off a prior loan of {$7400.00} as " bad debt ''. This was then reflected on my credit report showing a {$0.00} balance and closed account. On or about XX/XX/2023 XXXX XXXX XXXX purchased this information from this closed account and reported it as an ongoing debt for myself. I have no written contract with XXXX XXXX XXXX, I have never received any written or telephonic communication from them, and this showed as a debt for me as of XX/XX/XXXX, XXXX pulling my credit score down a day before I was set to apply for a new mortgage loan. The actions of XXXX XXXX XXXX negatively affected my credit score to the point that I am now out of range to qualify for a mortgage loan. I also question the validity of the collection agency as it may be a front or a scam agency.
Product: Credit reporting or other personal consumer reports

RE : NOTICE OF INVESTIGATION As the Authorized Representative of this account, over the past 4 years I have made subsequent attempts to have the accounts reasonably investigated in accordance with the FCRA, FDCPA and GLBA, which have all been ignored. Your violation of willful non-compliance has injured my credit reputation and caused me harm, stress as well as put me in grave danger. 

NOTICE : REQ PROOF OF AUTHORITY Due to it being apparent that TRANSUNION is in possession of the consumers personally identifiable financial information aka non-public personal information and reporting unlawfully and without permissible purpose. I am conducting a FULL investigation on TRANSUNION, and therefore I require that TRANSUNION responds and provides the following proof in the form of a signed affidavit sworn under the penalty of perjury by an officer that has the authority to execute this affidavit on behalf of TRANSUNION and to bind the same to its provisions of the following ; ( outlined in the attached document ).
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

Statement of account does not have legal name I noticed on XXXX XXXX and I complain of XXXX XXXX XXXX refusing to comply with federal government and presently have malware denying bank access to customer as well as staged personnel with malware scripts prepared to assault and batter customer apon entering bank for being XXXX and XXXX XXXX XXXX XXXX white of burned XXXX XXXX. The burned cross association of XXXX history refuses to comply with federal equal credit file than acts as organized criminal against clear XXXX customer.
Product: Money transfer, virtual currency, or money service

I used paypal check cashing for my stimulus as soon as my funds where deposited paypal limited my account saying I needed to verify I'd I did and nope there " still reviewing " I need my money I have XXXX kids an unable to return to my job right now there is absolutely no way to co tact pay pal so they have managed to take XXXX from me
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had some late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX  investigate and provide Proof with statements showing that these payments were late. If proof can't be gronded I demand these payments be updated to on time as they should be as I was NEVER lane. Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts listed below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681. 

I informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, and XXXX XXXX XXXX  # XXXX. 

However, they stated everything was complete and accurate which was a lie. How is that possible when the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to ensure 100 % accuracy and modify or delete accounts that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These people are hindering my ability to get or obtain good credit due to their illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have " XXXX , XXXX '' that done inquiry. I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry. If you not have poof, I want this inquiry deleted.
Product: Student loan

I checked my credit report and found that some of the data were incorrect. Experian is 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 Balance : {$3700.00}, XXXX XXXX XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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

On XX/XX/2020 Merchants Credit Guide added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Merchants Credit Guide has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.