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

I have a loan with Toyota Financial for a XXXX XXXX   XXXX I set up automatic payments. Each month the amount due is deducted from my checking account. In mid XXXX I received a written notice that my payment was late, and that because my payment was late ( by only a few days ), a negative report would be sent to the 3 credit reporting agencies. I called them immediately and made full payment. They had no explanation for why this happened. The Toyota rep helped me reset my password. Today, I received a bill again. Because the bill made no mention of my automatic payment status, unlike other automatic payments I have set up, I phoned Toyota Financial to  confirm it was still set up. I waited an hour by phone with loudobnoxious music playing the entire time so that I could talk with one of  their representatives. The rep 's name was XXXX ( employee # XXXX ). She confirmed it was set up. I expressed dismay that the request I had sent by written letter ( the only form they would accept ) to have the negative evaluation removed was denied. She said the reason it was denied was because she reports that I had logged onto their website and before being able to go the website, a notice was presented that I had to accept ( that I had read it ). By accepting that I had read the notice, it changed the terms of my automatic payment, and removed it. Firstly, I do not recall at any time logging onto the site in the last six months. Secondly, even if I had, I believe consumer protection would have required Toyota to appropriately inform me that by accepting I had read the notice, my automatic payment status was cancelled. The rep, XXXX, said the notice was in the disclosures at the bottom of the website. Even if I had logged in ( which I do not believe I did ) AND I had accepted reading their notice ( in order to see my account ), it is NOT acceptable to change my payment terms without a clear and prominent notification. I believe it is fraud. I would like your help removing this negative rating from my credit report and ensuring that no one else has this incredible and unethical experience.
Product: Debt collection

I am filing a formal complaint agains tAFFIRM INC in regards to the company reporting an unverified debt on all of my credit reports from each of the main credit bureaus. I have reached out to AFFIRM INC on multiple occasions for verification and validation for the supposed debt they claim I owe, but they have failed to provide me any sort of validation documents for that debt. The account is Account # : XXXX Date Opened:XXXX Balance Owed : {$220.00}
Product: Credit reporting or other personal consumer reports

I have been dealing with this with XXXX and Equifax for years. Today marks over 6 years since I paid the loan off completely. Yet still dealing with XXXX making false claims. Now today Equifax reports a late payment from XX/XX/XXXX which is highly not true to go along with XXXX reporting XXXX for XX/XX/XXXX which isnt true. This loan was paid in full enclosed after dealing with two hurricanes which left the house flooded and left us displaced which XXXX through my insurance company put us in a hotel both times this account was never late, but yet almost 7 years later, still affects my credit history as being the only late payment on my report. I manage XXXX accounts all 100 % this account must be updated on all three credit bureaus to paid in full closed never late and any late payments reflecting be removed immediately. It has been almost 7 years. This is becoming highly disturbing and upsetting. XXXX has put me in a position to where the only negative thing on my credit report is this one account from almost 7 years ago that was paid in full and closed in XXXX. There are no late payments. XXXX and Equifax needs to remove them. XXXX did the right thing they called. They spoke with the representative at XXXX and got the answers. They needed incorrect at the same day.
Product: Checking or savings account

I currently have a checking account with Atlantic Union Bank. This account was opened in XXXX or XXXX. I have about {$970.00} on deposit with them. I have had this amount of deposit with them for the last year and a half to XXXX years. It is basically just a savings account. Monthly they would send me an update on the balance for this account. For the last four or five months I have received nothing. Five days ago I started to try to access this account. They have sent me a link to get online with my account. When I tried to do this they said that account had been put on hold because of inactivity. I have called them to explain the situation and they have sent me links to set up a online account and access. They told me that I need to sign a letter and send it to them authorizing them to reactivate the account. I did this yesterday XX/XX/XXXX. I downloaded the letter I signed it I scanned it and I mailed it back to them through their secure link. This morning I called and tried to access the information on my account telling them I wan na make sure that they have received a letter. They tell me that I could they can not authorize me to have any access to my account because they can not authorize who I am. Ive given them addresses and Social Security number etc. They want me to do some sort of a XXXX  meeting with them. I told them that I absolutely refuse to do that as I could pose as anyone. What good is a XXXX meeting when the documents are the most important thing and the fact that they are sending me links to the same email address where they always sent me information about my account. I just had a very heated conversation with them on the phone about access to my money which they are holding against my authorization. I told them that I was going to be getting in touch with The federal banking authorities about the situation being that they would not allow me access to my funds. Please help with the situation Ive done everything theyve requested and Im getting nowhere. Again this is Atlantic Union Bank. There is no office for Atlantic Union Bank in XXXX Georgia. Please help as I find this to be just unacceptable for them to hold my money and not allow me access. Thanks so much, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX I was notified that my credit information including social security number, birthdate, and home address were compromised in a security breach with Equifax. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX through XXXX of this year.
Product: Credit card or prepaid card

On or about XX/XX/2018 I paid off 2 credit cards issued by XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX business card. I have paid my bills monthly and when I paid the entire balances off in full, my accounts were closed without notice or explanations. I have tried to reach out to XXXX XXXX to figure out why and was told that because my credit score changed I was a risk to them. To make matters worse the paid off accounts are not reflecting as paid off which would significantly impact the credit score. The closure of these cards have/will negatively effect my credit rating. I can Understand if i was late or severely past due but I wasnt. Please help me fight this. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

experian continues to keep an old address on account when information has already been updated with creditors regarding new address
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I paid XXXX XXXX XXXX on XXXX {$840.00} to pay off my credit card and they keep telling Transunion Credit Bureau that I still have a balance. I disputed this 3 times. I don't know if it's Transunion or XXXX XXXX lying to me but I need your help because. I need my credit report done fair and correctly. I'm including info where I paid them off completely and my balanxe should be reported as XXXX balance. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Account XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am writing to formally request the immediate removal of inaccurate addresses from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Please find enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Report, which I have submitted, as well as supporting documentation, including a recent utility bill that verifies my current and correct address. 

I do not recognize nor have I ever been associated with the following addresses currently listed 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  The Only address that should be reported is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act XXXX it is your responsibility to ensure that all information reported on my credit file is accurate and verifiable. These addresses are incorrect, and I do not wish for them to remain on my credit profile, as they are damaging and misleading. 

In addition, under the Uniform Commercial Code ( UCC ) and the Truth in Lending Act ( TILA ), I have the right to fair and accurate reporting of my personal information. I request that your bureau remove these erroneous addresses from my credit report to prevent further potential damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX  Balance : {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Courts do not write to consumer reporting agencies. I want a file and my report sent to my address. I have reached out to Lexus nexus and they said it was valid. I know they did not get the information from the courts. 15 USC 1681A ( 4 ) they have infringed upon the right to my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau information regarding my score is incorrect and not updated. I have submitted complaints and wrote letters regarding old accounts and addresses that should not be on my credit report due to the statue of limitation. Instead of correcting this, the organizing or perhaps the credit bureau have just put a more recent date to validated negative credit to stay on my account, but still should not lower my credit score by much, although it does. Moreover, will my payments on credit loans/cards are not updated thereby leaving my credit score low and credit usage high. Moreover, when I requested addresses to be removed I am refused adamantly and does not clearly give me any solutions to have it removed. I then search why and addresses associated with loans that are closed or banks that I no longer have access to to change or close to take an address off or the accounts are closed. I do not understand why this information remains on my credit report. Mainly, with an account that has surpassed the Statue of Limitation continues to remain on my report to keep my credit negative? I am asking this to be investigated. I did write in 2021 to CFPB for help and still the Credit Bureaus ignores and seemingly emphasis to keep my reports and will not update or remove negative information to increase my score. I have tried and am being accountable as best I can to do better and will do. However, if the Bureaus are allowed to ignore the law and keep individuals from having their credit better to do better. I asking for help, please. Also, after I have lifted my freeze from the XXXX as with the others I am finding out the freeze is not lifted, but will not give a reason why, just that if anyone wants to check my credit they have to call? Why will that happen, do I have the right to lift the freeze? And why are they requiring the potential loan providers to call when I lifted the freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX 
XXXX, TX XXXX XX/XX/2020 Complaining Department MUFG Union Bank XXXX Dear Sir or Madam, I am writing this letter to correct information in my credit report. I have circled the items I dispute on the attached copy of the report I received. 

The information that I have circled " not correctly '' because I never borrow money from my equity line with union bank. I am requesting that the item be removed to correct the information. 

Attached are copies of my credit report. Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Product: Student loan

I had a foreberance on this loan back in  XXXX  because I had lost my job, after which   XXXX   XXXX   XXXX   made no attempts to contact me, I have had no contact with the loan provider since that  time.  XXXX    years ago, they attempted to take our federal income tax return, since this is my debt and not my husband 's, he had to file an  XXXX  spouse for to get his portion of the return back. The only information I could get from the IRS was the loan was sold to the government. Last month, I get a letter from  Allied Interstate, LLC t hreatening to garnish my wages, up to  XXXX  %, for repayment of the loan. I made an attempt to contact them, they kept telling me I need to pay the loan in full and they could help me do that over the phone. When I told them I could not pay the amount in full, they said, well you will have to wait until we send you more paperwork. About a week later, I received information in the mail again asking for all my financial information. A couple of days ago, I received a letter from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , saying that I have a hearing scheduled for  XXXX   XXXX , in which they will decide how much of my wages they can take.  Allied  has sent me a statement of payments, there is an additional {$10000.00} worth of collection fees, etc added to the loan. Also, I was charged an additional {$17.00} each time they had to send a portion of my tax return back. There is no indication on this statement where the portion of the money that was kept was ever applied to my account. I have made numerous attempts over the years to get in contact with someone about this loan, with failed attempts. The loan information is not on my credit report as a default or open collection, etc as of   XXXX   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report, and I have never had XXXX XXXX XXXX before!
Product: Debt collection

I have a debt on my credit report that has been increasing however I do not owe the XXXX Kimball. They are a third party attempting to collect on a past apartment I lived at but was settled in court. I paid {$600.00} that was the judgment ordered I did not live there after that and nothing more was owed. 
This was removed from my credit report then it appears again now. 
This same exact amount {$4000.00} also shows up on a separate persons credit report who lived there also which would definitely be incorrect information because that is {$8000.00}. In total for the same apartment. 
This person was not even initial lease his name is XXXX XXXX XXXX. 
I do not owe XXXX XXXX XXXXXXXX ANY AMONNT of money I paid what I was ordered to pay in full {$600.00} and moved out I was never informed of any additional charges owed that was it. This took place in XXXXXXXX XXXX XXXXXXXX. I moved there in XXXX XXXX and that would be when the initial lease was signed by me I lost alot of my belongings in storage I couldnt afford due to XXXX and XXXX related issues. I do not know if I have the lease but the copies exist and so does a court judgement I never did any business whatsoever with KIMBALL AMD TIREY XXXX and they could not validate that I have ever or produce a contract which I have signed period because there isnt one. I am also part of the data breach in XXXX XXXX settled for XXXX XXXX and have filled a claim. 
I have filed multiple disputes and I feel to that the XXXX debt in my credit report for XXXXXXXX XXXX may be a result also because I did not open a new account in XXXXXXXX XXXX XXXXXXXX Theres not even a way anyone would open one for me that XXXX {$290.00} Is absolutely not mine in any case please help.
Product: Debt collection

Caine and Weiner is attempting to collect a debt of my XXXX grandmothers for which they can provide no actual proof of payment beyond the word of original collector. According to original collector 2 payments were made after contract was terminated due to XXXX of my grandmother on XX/XX/XXXX. There has been no evidence provided of payments, ie ; cancelled check, deposit slip, bank statement. 

I have disputed validity of debt, and again sent a certified letter asking XXXX XXXX XXXX to cease all collections of debt as they can not provide legal documentation of debt. I authored this letter after speaking with XXXX XXXX on XX/XX/XXXX where as he became very hostile towards me on the phone and ended the conversation by hanging up on me.
Product: Debt collection

1. Company has not provided any factual information about this account. 
2. Company has not produced a contract between me and the collector that they are legaly entitled pursuent of this debt. 
3. Collector is in violation of numerous consumer rights 4. Collector communicated to me without my consent Debt Validation request was sent on XX/XX/XXXX and was explicitly said i will pay the debt if it is factual and accuracy this information was not produced from them and they went ahead and violated my right to privacy as per stated under United states consumer code 15 U.S.C 1681 Section ( A ) They went ahead without my written instruction and Furnished my credit file As of XX/XX/XXXX They have violated my rights and have damaged my credit of a debt that is not owed to them to this date. 

Factual information is attached.
Product: Credit card or prepaid card

XX/XX/2019 - company says I am dead - says social security must write letter saying I am alive. 

XX/XX/2919 - Social Security says I am alive. 

Now company has closed my account and say I have to apply for a new account. 

Balance - credit balance over {$500.00} I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX told my ex husband and I that I would be removed as a co- signer from his mortgage when he modified the loan without me post divorce. He waited per their request to submit the finalized divorce paperwork along with the modification so that he could stay in the house on his own as he was previously. I was removed from the mortgage ( attached ) and I was removed from the deed. XXXX, however continues to keep their account on my credit illegally. Nothing has my name on it any longer and I have no responsibility to the home anymore. XXXX has refused to offer any assistance and continues to report as an open account on my credit causing me additional financial harm and emotional distress. I consulted an attorney and I was told that it was a mistake and they need to correct it. I have attached all the paperwork I have.
Product: Mortgage

I submitted a mortgage payment on XX/XX/XXXX for my payment due on XX/XX/XXXX, on XX/XX/XXXX the bank initiated an additional withdrawal for the payment due on XX/XX/XXXX despite the mortgage payment already being made for that month. The checking account was charged a {$20.00} non-sufficient fund fee. I contacted the bank and they refused to reverse the fee, despite the mortgage being paid on time and them failing to realize that the payment had already been posted. I contacted the bank twice via telephone with the last call on XX/XX/XXXX lasting over 30 minutes and they would not reverse the fee.