23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Toyota financial services has contacted me repeatedly regarding a debt harassing me and using abuse by threatening to take my automobile. I contacted employees at Toyota Financial Services around XX/XX/year> to make payments over the phone for XX/XX/year> which was done and I have the proof of that on XX/XX/year> in the amount of {$760.00}. XXXX. Apparently the amount was refunded back to me which falls on the company and on XX/XX/year> I did put in a complaint over the phone with the employee and I have proof of this regarding the scheduled payment not going through on XX/XX/year> but it showed as paid on Toyota Financial website. I informed the employee that I shouldnt have been behind on payment do to the employee or company technicalities. After the complaint was put in on XX/XX/year> another payment plan was scheduled for on or before XX/XX/year>. 

On XX/XX/year> on a recorded phone call, a Toyota Financial Services employee call me early in the XXXX regarding making payments when this matter had already been taken care and according to the previous employee that Id spoken too was updated in their Toyota Financial Services system. This violates all of 15 United States Code 1692d-harassment and abuse. Yet, Toyota Financial Services was sent certified mail a debt validation notice and employees have yet to respond to that notice. Meanwhile Ive informed them that payments will not only be made but that Im protected by federal law against alleged debt collectors deceptive practices, harassment and abuse over the phone. 

Federal Law states that : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. 
( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. 


All rights reserved. Void where prohibited.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times please delete the following inaccurate information from my credit file within the next 30 days I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during this. I know that these inaccuracy inaccuracies should be automatically removed I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate telephone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consume

r reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151.

I have enclosed copies of my state issued identification and a bank state to validate my identity. 


Regards, XXXX XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate .

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Account has been frozen for over one week. Sent a {$100000.00} transfer to the account over 10 days ago which has not been deposited to my account. Outgoing transfers for {$35000.00} and {$9900.00} are held and not transmitted. Phone representatives are unable to help. In total {$140000.00} has been frozen. Bank no longer responds to my correspondence.
Product: Student loan

When I remit a payment by paper check to ECSI, the student loan servicer for Perkins loans issued by the University XXXX, I indicate on the check and on the remittance stub that the proceeds of the check are to be applied to the current month 's payment as well as to the next month ( s ) payment. For example, if the monthly payment amount is {$43.00}, then I will write a check for {$86.00}, and will clearly indicate on the face of the check and on the remittance stub that the payment is for the current month and the next month ( e.g. XX/XX/2016 and XX/XX/2016 ). However, ECSI does not apply the payments correctly. Instead, they apply the full balance to satisfy the current month 's obligation and apply the remainder to reduce the principal balance. They then fail to apply a payment for the next month and assess a late fee for a missed payment. ECSI then sends out a billing statement that indicates that the account is past due, that a late fee has been assessed, and that the account will be reported as delinquent to the credit bureaus. Upon contacting ECSI to resolve the issue, I am routinely informed by their customer service supervisors that their current payment application system can not accommodate such requests by borrowers to apply payments across multiple months. They often agree to waive the late fees as a " courtesy, '' but can be quite rude during the whole process. Moreover, when I request documentation regarding how payments are applied and documentation regarding the credit reporting status for the account, the customer service supervisors refuse to provide the information and instead state on the phone that the fees were waived and there are no issues that would require them to send documents. 
ECSI routinely refuses to apply payments as requested, and knowingly and willingly violates the wishes and clear intentions of borrowers making payments. They do not allow borrowers to prepay on accounts, and instead assess late fees and threaten borrowers with negative credit reporting despite the fact that the borrower 's account should be and is current. In order to have payments reapplied correctly, I have had to call them and be subject to the intimidating and harassing tone of supervisors who only reluctantly correct account servicing errors such as those described above.
Product: Money transfer, virtual currency, or money service

i transferred funds using zelle through XXXX to buy a XXXX. unfortunately the website turned out to be fake. When i went to XXXX, they said that they can not recover the funds
Product: Debt collection

Fedloan servicing {$1700.00}, {$4000.00}, {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my current credit report, and I realized I was hit with a HARD inquiry back on XX/XX/2017 by this company : CBC INNOVIS, Mailing address at XXXX XXXX XXXX XXXX, PA XXXX. 

I don't ever recall doing an inquiry of some sort what's so ever.
Product: Mortgage

I have zero missed payments in the lifetime of my loan, I have no liens on my home, my LTV was at 80 % as of XX/XX/XXXX. 

When asked how to remove PMI, my loan servicer sent me a form in XXXX which precluded me from asking to remove PMI based upon the original value of my property - instead, they forced me to choose to request PMI removal based upon the current value of the property. This second option has criteria which are much more difficult to satisfy and my request was denied based upon those criteria. 

To request removal based upon the original value of the home is what is described in the Homeowners Protection Act and I have no way of choosing that option with my servicer. 

I am unable to reach or be transferred to the PMI department at my loan servicer, and despite having sent them a written request for PMI removal which they received XX/XX/XXXX - it wasn't until XX/XX/XXXX that they addressed the removal request and informed me that I was denied because they won't verify the value of my home without an accurate listing of recent structural improvements ( I paid them {$150.00} for a BPO appraisal which they now refuse to do without that listing ). They falsely claim that they contacted me and I did not reach back out. They are out of compliance with their own timelines for responding to a PMI removal request per the HPA, XXXX XXXX, and their own assertions in the PMI removal form they sent me.
Product: Debt collection

As stated in my last complaint ... Ive asked for a original contract from this company and they have not provided me with that contract with in the time frame allotted by the FCRA. next step if not removed from my credit report will be financial damages and I will be filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 
There are fraudulent accounts on my profile that need to be removed immediately. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute the inaccurate information that XXXX XXXX XXXX have reported to the consumer reporting agencies regarding accounts that have not been verified : Accounts : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX I check my consumer report weekly. It has come to my attention that they have reported these collection account as an open account and are misrepresenting yourselves as the original creditor. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of any debt. The relevant sections state : > " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :...

> ( 2 ) The false representation of > ( A ) the character, am
ount, or legal status of any debt ; or > ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. '' By reporting this collection account as an open account and misrepresenting yourselves as the original creditor, you are providing false information about the character and legal status of the debt. Additionally, this is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus be accurate and complete.

Further, I previously requested verificat
ion of this account by mail, as is my right under the FDCPA. To date, you have failed to verify the accuracy of this account. According to 15 U.S.C. 1692g ( b ) : > " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Since you have not provided the requested verification, you are required to cease collection activities and correct the erroneous information on my credit report. I demand that you immediately delete this account from my credit report and cease any further misrepresentation of this debt. 

Failure to correct this violation promptly will leave me no choice but to file pursue legal action to enforce my rights under the FDCPA and FCRA. 

Please provide written confirmation within 10 days that the inaccurate information has been deleted from my credit reports. I expect that you will take this matter seriously and address it with the urgency it deserves. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account, filed a police report, and submitted a FTC complaint. I recently pulled an XXXX  credit report, upon reviewing my credit report in XX/XX/XXXX, I noticed a XXXX  XXXX  XXXX mortgage account # : ( XXXX ) balance : {$430000.00} opened XX/XX/XXXX this is either a mis-print or a fraudulent account. There was also a host of inquiries as well included here : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) & ( XX/XX/XXXX ), XXXX XXXX   XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I did not apply for credit with any of these companies nor have allow anyone else to use my credit or social security number to apply for credit with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor 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 items 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Delete the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX LA XXXX XXXX Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX   XX/XX/2023 XXXX  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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

To Whom It May Concern : On in the month of XXXX of 2008 a private student loan was taken out illegally with the Company J.P. Morgan Chase in the behalf of myself XXXX XXXX XXXX XXXX. The loan was in the amount of XXXX +. I XXXX XXXX XXXX XXXX did not apply for nor did I receive any financial compensation from the loan. This Loan has left a negative report on my credit report which is causing me problems in my employment and financial livelihood. I have reported this illegal transaction to J.P. Morgan Chase requesting that they remove it from my credit report with no resolve. Please help me as to how I may go about getting this removed from my credit report as well as all negative scores in result of the loan. Thank you in advance for your assistance and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX,