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

Toyota Financial Services is incorrectly reporting my account status as open and delinquent. I voluntarily surrendered this car in XX/XX/2015, and my last payment to them was in XX/XX/2015. This is confirmed by the attached. 

I dont own them anything ; and further, the credit agreement was governed by the State of New York and the statue of limitations for this was 6 years in New York XXXX so this is too old to be on my report. Its having a negative financial impact on my ability to obtain a loan.
Product: Credit reporting or other personal consumer reports

This complaint is being filed against the furnishers of information and all three Credit Reporting Agencies ( Experian, XXXX and XXXX ) for violating my privacy by reporting accounts on my consumer report without my verbal or written consent as it is required by law. Furnishers of information ( the financial institutions ) as defined in 15 USC 6801 do not have my consent to report my non-public private information. Although the credit reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumers right to privacy as stated under 15 Usc 1681. The Privacy Act of 1974 prohibits the disclosure of records about an individual from a system of records absent the written consent of the individual. Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions it states a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. So the reporting of my nonpublic personal information like my credit utilization is a clear violation of my federally protected consumer rights. 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 to whom the report relates. As it relates to 1681 ( b ) Permissible Purpose and 1681 ( c ) Experian, XXXX and XXXX are all violating compliance procedures under this title. I reserve the right to disclose my nonpublic personal information to all non affiliated third parties. The reporting of the timing of payments and the credit utilization are not to be reported on my consumer report. My report should only contain one name and one address because I have one primary address all others are non mailable addresses. Im expecting that these demands be reflected on my consumer report immediately as permitted under 12 CFR 1016.7. It is my request that the furnishers of information provide documentary evidence of me giving them written consent to share my nonpublic private information with anyone in the form of a SSA-89 and or form SSA-3288.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a balance of {$970.00} and charged-off monthly to the credit bureaus but they no longer own this account. I also suspect that the last payment made on this account was XXXX and not XXXX as XXXX XXXX XXXX claims, making it too old to be on my credit report. 
I filed a dispute with Experian. 
I told Experian that XXXX XXXX is reporting derogatory information and a balance on an account that they don't own. They sold the account and I have a letter from XXXX XXXX, XXXX dated XX/XX/XXXX and one from XXXX XXXX XXXX dated XX/XX/XXXX. The letter from XXXX XXXX XXXX says : The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX and XXXX XXXX XXXX can not sue you for it and XXXX XXXX XXXX and XXXX XXXX XXXX can not report it to any credit reporting agency. 

After the dispute, XXXX XXXX updated the account information to say : Charged off : {$970.00} Written off : {$970.00} Past Due as of : XXXX. XXXX Marked as FP ( Failed to Pay ) from XX/XX/XXXX - XX/XX/XXXX. No payment history prior to this, not even positive information. 
Experian didn't even ask for copies of the collection letter but sided with XXXX XXXX instead. 
It is also reported as charged off on XXXX. 
XXXX, however, says the current status is : In Collections/Charged Off. It has been like that since I checked my credit report in XX/XX/XXXX. 
After I got the results of the dispute in XX/XX/XXXX, I received another collection letter from XXXX XXXX , XXXX that clearly states XXXX XXXX is the owner of the account. The letter is dated XX/XX/XXXX. 
Clearly XXXX XXXX is violating FCRA violations and Experian is allowing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improperly shared information with a third party about my medical/dental debt and services. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. XXXX Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of XXXX, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

REMOVE ACCOUNTS IN HIPAA VIOLATION : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$4700.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$480.00} XXXX. ) XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Student loan

For years, Navient ( previously Sallie Mae ) encouraged me to enter forbearance instead of offering alternate payment methods, such as IBR. They have also rejected my application for the public service loan forgiveness program for unclear reasons, despite the fact that I should qualify by virtue of having the correct loan type and working for a nonprofit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent an international wire to my XXXX account via Wells Fargo ( XXXX wires go through Wells Fargo ). The money ( {$7000.00} ) was removed from my account in XXXX XXXXXXXX XXXX in XXXX but never was deposited to my account at XXXX. 
Over multiple phone calls and 2 months, I learned that Wells Fargo deposited the {$7000.00} into an unknown account at Wells Fargo ( same account number as my XXXX account number ) without verifying the name of the recipient, without checking that it was for benefit of XXXX XXXX. 
Wells Fargo is unwilling to revert the funds back to my account in XXXX, or send them to my XXXX account as I originally intended. They are asking for unlimited indemnification from my bank in XXXX to process a wire recall and my bank is unable to provide unlimited indemnification to Wells Fargo ( they are willing to sign if there are caps ). 
I am at a loss as to how I can get my money back from Wells Fargo. I need your help in this matter.
Product: Money transfer, virtual currency, or money service

On XXXX I had a XXXXXXXX XXXX conversation with someone I believed to be XXXX XXXX ( my former neighbor ). Her account had been taken over and " she '' was selling items on behalf of her elderly uncle. I was interested in one of the items and was asked to provide a deposit to hold it. I was given her email address, which had her name in it and I sent {$210.00} from my PayPal account. As the conversation with the fraudster continued I started to get suspicious, and I texted XXXX XXXX to verify if it was really her I was speaking with. At that time, she told me it was not her and that she had been hacked. I had sent the money to someone who's name appeared as " XXXX XXXX ''. We ( the real XXXX and I ) immediately contacted PayPal to try to get my funds back, but could barely understand the person on the phone due to a lot of background call center noise and a language barrier. From what I understood, they'd " look into it '', but I had no protection. I was told I'd receive an email with the case details, but I never did, so I opened a dispute via the app. That dispute was closed in favor of the " seller '' in less than 2 hours. The details say I can appeal the dispute, but upon trying to do that, the website went in circles and kept giving me an error. I tried calling, but the automated system said I could not appeal the dispute at this time, but yet had only 10 days to do it. 
I was taken advantage of by a scammer and PayPal will do nothing to help. I asked them to pull the funds back from the fraudster, or at the very least, put a hold on the account so the money can't be spent while the investigation is underway. This has been the worst customer experience and I'd like them to be accountable to their customers in need. I am attaching screenshots of my conversation with the fraudster, who was NOT XXXX XXXX, for reference. I did try to ask XXXX XXXX to return my funds but he has since gone silent.
Product: Vehicle loan or lease

I have a motor cycle loan with fifth third bank, which was previously held by XXXX XXXX. My loan balance as shown on my statement and my account was {$2500.00}. However I was told my pay off amount was {$5600.00}, with no explanation or breakdown of fee 's. 
A vehicle loan should incorporate interest into the total payment and divide it by the life of the loan. Late fee 's where applicable was attributed to the next months payment. I do understand that there could in some instances be early pay off or fees associated with early payment, my understanding is that those typically a percentage of the remaining balance. In this case my remaining balance was {$2500.00}, which couldn't possibly justify a pay off amount of {$3000.00}. 
I have not been offered any explanation or breakdown as to what this charge is or could be, rather I have been offered a history of the loan since they acquired it approximately 2 years ago, and theoretical hypotheticals based on interest and late fee 's which make no mathematical sense. 
As of today after paying what was my remaining balance of {$2500.00} my account shows an outstanding balance of an identical XXXX, but based on the payoff amount offered today that balance would actually be {$3000.00}. 
This feels like predatory lending practices by fifth third bank charging fee 's without explanation or rationale and holding the title to my property for penalties that haven't been explained through 4 customer service calls and management escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX I requested the credit bureaus to investigate every piece of information on my credit report. Below is the enclosed listed accounts. Attached is a copy of my tracking number #. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still, not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking numbers XXXX XXXX
Product: Debt collection

Collection agency LJ Ross reported my PAID medical debt after the account was closed and totally blew up my Credit Report - XXXX The accounts were paid in XXXX 2016 - LJ Ross reported accounts in duplicate and reported them as PAID in XXXX but listed them anyway???
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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

TODAYS DATE:XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX {$23000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX EF Late Dates : XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX
Product: Credit card or prepaid card

I have a Uber credit card with Barclays. The issuer is reducing the benefits of the card and I would like to close this card. But I can not redeem the rewards I have earned on the card. There is no option on the bank 's website to redeem the points. The bank customer service asked me to call XXXX, but XXXX has no phone number.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXXXXXX XXXX XXXXXXXX XXXX, DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX --
Product: Debt collection

I am currently enrolled in a debt settlement program. I notified the debtor, Lendmark Financial at the time of enrollment and provided the information to the company. On XX/XX/22, I received a call from XXXX at Lendmark to discuss my account. I informed her that I was enrolled with XXXX XXXX and she stated that the information was notated on the account. At the end of the conversation, I asked XXXX politely to not call my job again and to contact me via my personal cell. Less that XXXX minutes later, I received a call from Lendmark again, XXXX was the caller. I asked them why are they calling my job after I specifically just asked them not to call me at work.
Product: Debt collection

On XX/XX/2020 I called Transworld Systems INC to settle an account for XX/XX/XXXXThe total amount was {$600.00}, however I stated that I wanted to pay for deletion. Mrs. XXXX offered to settle the account in the amount of {$480.00}. Before making the payment I again stated to confirm that the payment of {$480.00} will be paid and the account for XXXX XXXX will be deleted off my credit report. I was told that once the payment is made and its registered in the system as paid then they will contact the credit bureau in which the account is under to inform them the account was setteled in the amount of {$480.00} and to delete the account from my credit report. The account is still on my credit report. I was told that the account would be deleted and its not.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under USC 1681 ... XXXX and also XXXX XXXX,, and also XXXX XXXX, Check into cash .. Also XXXX XXXX XXXX And the last is XXXX XXXX!! I looked at my credit score on XX/XX/year> and noticed something's 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 according to 15 USC 1681 ( e ) ( b ) .. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.. ( A ) generalif, after any reinvestigation under paragraph ( 1 ) of any information disputed