23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX  ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Debt collection

Toyota/ Toyota financial services/ Lexus fraudulently reported and sold a debt of a closed and fully paid off account resulting in undue stress and hardship. Lease was paid in full XX/XX/2020. Toyota showed unprofessional and unethical behavior by trying to charge me for fraudulent and untrue claims of poor vehicle condition upon lease return. They requested payment for " internal melted headlights '' and micro scratches. Of note Toyota held and paid a service contract on this vehicle because it was a XXXX vehicle and had strict service requirements. Despite being serviced by Toyota several times the headlights were never found to be a problem and were in perfect working order. Also of note the vehicle was returned in excellent mechanical and cosmetic order. I contested any and all claims for poor condition. Toyota did wave the requested fee for the headlights and stated theose were due to design flaw on the vehicle but refused to waive the fee for the " micro scratches ''. Of note lease law and contracts does allow expected wear and tear on a leased vehicle, it does not allow abuse to the vehicle or damage as the result of abuse. How a car can be driven for years and not have a micro scratch is not possible and also hints to likely very large and ongoing consumer scam by Toyota to defraud the consumer out of funds at the end of a lease. Toyota illegally and fraudulently reported and sold a paid off debt to XXXX XXXX XXXX XXXX XXXX. resulting in undue stress and hardship on me. I am sure Toyota has done this to others and it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union has been reporting a 30-day late payment on my credit report with XXXX, XXXX, and XXXX. The payment made on the account was kicked back from my bank due to my account information being compromised. By this situation, it caused the payment to be treated as a 30-day late. This situation was beyond my control and I've phoned, written and disputed the item every way possible with NFCU requesting a goodwill adjustment and was told no every single time. I've got perfect payment history on all tradelines in my name and this is hurting my ability to obtain good financing no matter what the request might be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times with no success in getting a unauthorized inquiry removed from my credit file. This same inquiry with XXXX XXXX  has been listed on my other credit files, which I disputed and was successful in the removal of the inquiry. I do not have no account with XXXX XXXX at all.
Product: Checking or savings account

I went to close a bank account with PNC. I went through the dialog on their online banking to close the account. I asked where the remaining amount of money in my account would be sent, and the representative said they would keep it as a " closing fee. '' The fee was not transparent and there was no warning. They are preying on working class Americans, and it is unacceptable.
Product: Credit reporting or other personal consumer reports

I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws related to my credit report. These issues include : Inaccurate and Unauthorized Reporting Certain accounts, such as XXXX and XXXX, inaccurately reported late payments during the XXXX period, in violation of 15 USC 1681 S-2 ( a ) ( 1 ) ( F ). These should have been updated to reflect a " never late '' status. 
Multiple unauthorized hard inquiries, including XXXX, XXXX, and PRISTINEAU, were made without my explicit consent, violating 15 USC 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports. 
Failure to Validate or Verify Information Debts and inquiries were reported without proper validation or written consent from me, violating XXXX5 USC 1692g. For instance, I requested documentation such as original contracts or applications bearing my signature, but this evidence has not been provided. 
Incorrect Personal Information Incorrect addresses, such as XXXX XXXX XXXX and XXXX XXXX XXXX, are inaccurately listed on my credit report. These errors must be corrected immediately to avoid further inaccuracies. 
Violation of Disclosure and Opt-Out Rights Under FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed of my right to opt out of sharing my personal information. This lack of transparency is a violation of my consumer rights. 
Willful Noncompliance Creditors and agencies accepted and reported unverified or inaccurate information without due diligence. This constitutes willful noncompliance under FCRA Section 616, which allows for civil penalties of up to {$1000.00} per violation.

Unfair Debt Collection Practices Debt collectors shared my information with third-party agencies, claiming I owed debts without proper validation or consent. This is a clear violation of the FDCPA and acquiring location information regulations, which prohibit such practices. 
In short, my credit report contains unauthorized, inaccurate, and unverified information that violates federal laws meant to protect my consumer rights. Ive taken action to demand immediate corrections, removal of unauthorized inquiries, and validation of any debts. I expect timely resolution to these matters to ensure my credit profile is accurate and compliant with the law.
Product: Credit reporting or other personal consumer reports

I am part of a national public date of breach and I informed them of that and put the credit freeze on and it never updated my XXXX XXXX. Ive had multiple identity fraud and to protect me they didnt. I have multiple investigations and nothing has been done. They didnt send me any letters regarding my stolen identity and fraud. I have multiple discrepancies that have never been taken off and I would like for it to be fixed. I would like to be compensated financially due to having this fraud and losing so much money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Debt collection

I declared bankruptcy and had to make planned payments to the chapter XXXX trustee. All of my payments were made to Nationstar Mortgage and never missed a payment for the last 5 years. All of my payments were made in a timely manner. The bankruptcy was supposed to have been discharged XXXX, 2015. It was not. Nationstar Mortgage stated I was 7 months in default. They stated which months were not paid. I submitted copies of my cancelled checks to my attorney. Some of these checks were dated years ago. I thought my bankruptcy was discharged and I continued making my payments. In XXXX, 2015, Nationstar Mortgage did not cash my mortgage payment check. I called Nationstar Mortgage and they stated I was 8 payments behind on my mortgage payments. They further stated that the payments that were in default were from XXXX, 2015 to XXXX, 2015. I have the cancelled checks from XXXX to XXXX. Nationstar Mortgage sent my XXXX mortgage payment back to my bankruptcy attorney. In closing, all of my payments have been made and proof can be provided. Nationstar Mortgage is now attempting to do a foreclosure on my house. Nationstar Mortgage sent me two checks back from my escrow eccount totaling almost {$6800.00} stating they were from my property taxes and homeowners insurance. Planned payments were made to the chapter XXXX trustee and they were all made and in a timely manner. Nationstar Mortgage took over my loan from XXXX when I declared bankruptcy. At that time, XXXX was doing fraudulent loan modifications. {$500.00} was returned to me after I submitted a complaint to the Independent Foreclosure Review.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I noticed several pending charges on my Discover card account. I immediately called Discover to report these as a fraud. Discover says these charges were made by my youngest son and that I authorized him to be a user on the card in XX/XX/XXXX. I dispute that narrative. They claim this authorization was made via a XX/XX/XXXX phone conversation with Discover customer service. Discover 's  fraud investigation admits they have not listened to the recording of this conversation but is holding me responsible for these charges citing that I said I don't recall ever adding my son to my card as reason enough to make me pay for them. Further, they refuse to listen to for themselves or share the recording with me. They are demanding I file criminal charges against my son or pay for the fraudulent transactions. 

I had to pay an attorney to subpoena the recording from Discover but to date, they have not produced the alleged recording yet they refuse to put any hold on the account and are demanding payment for the fraudulent transactions.

Discover is using unfair tactics to force me to pay a fraudulent debt that is not mine. Further, they are deliberately damaging my perfect credit by submitting negative information to the credit bureaus about these fraudulent charges. 

I'm nearly XXXX years old and have always paid my bills. I did not authorize anyone to use my account and if Discover has any evidence to the contrary, they need to immediately produce such evidence before demanding I pay or damaging my credit.

This type of practice is unconscionable and Discover should be severely sanctioned for such practices. If they are doing this to me, It is likely they are targeting many other consumers with these same tactics.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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

This is my FOURTH NOTICE disputing inaccurate personal information on my credit report. The following information is NOT MINE, and I have NO CONNECTION to it. Kindly remove this information from my credit report immediately. If you persist in reporting this inaccurate information, I will pursue legal action for willful noncompliance with FCRA regulations. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. When I review my credit report I noticed that there are items that are misleading or erroneous. The items I'm disputing today have no affiliation with me or my transactions. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX 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 XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payments posted on my credit report during COVID -19. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not give any company or consumer reporting agency written instructions or permission to report late payments, and your company as well as XXXX, Equifax, and XXXX are in clear violation of the FCRA and the FDCPA for the following violations. 

15 U.S. CODE 1681b ( a ) ( 2 ) Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make XXXX or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, fraudulent accounts have appeared on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$450.00}
Product: Checking or savings account

Good Morning, My name is XXXX XXXX and I have been a customer of Bank Of America for over 20 years. Recently I called them to report fraud that had occurred on my account. They immediately told me they were going to freeze my account, have their fraud department investigate, and told me I needed to visit a local branch to open a new account and have my money transferred over. I followed all their steps and waited 2 weeks to get a response back from them regarding my fraud case. When I called to inquire about it they kept telling me to go to my local branch because they were having issues. I visited the branch at least 3 times during my workday and got the run around multiple times. After 2 weeks I got a phone call while I was at work from the Bank Of America fraud department that my claim was being denied because there was no fraud and that they would send me more information about the investigation. Not once in 2 weeks did they attempt to call me to get additional information about my account and what actually happened. They decided to close my case without gathering all the information and when I tried to call them they hung up on my at least 3 times. I asked for supervisors multiple times and yet they refused to connect me. Then they told me they would call me back with answers with 48 hours and they never did that. I decided to visit the local branch again and see if they could help. They called the fraud department and told them the same information about how they were going to call me back and get the investigator on the phone. That never happened. All these calls are recorded and I had to talk to at least 20 different people and explain the situation over and over again. On top of that my money was being held up by Bank Of America and fees were being assessed because they had locked my account. Also someone from the internal bank had changed my account user id and password without my consent. And each time I inquired about that no one at the bank could answer my question on who did it. This situation had been a total nightmare all while my money is still at the bank and I have no answers on how the fraud happened. They have treated me like XXXX, lied multiple times, and refused service. This is unacceptable and I had no choice but to file a complaint and escalate this. I'm hoping you guys can force them to do their job and stop giving me the run around. They messed up this entire situation and my account. I will not let this go!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, Transunion, XXXX and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this credit reporting agency TRANSUNION LLC. and the creditor XXXX XXXX has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX Acct : XXXX Date : XX/XX/22
Product: Credit reporting or other personal consumer reports

This loan was not originated by me.

The IP address that this was originated from is not mine, my ISP, nor is it local to me.

IP Address : XXXX I had a loan with a firm called XXXX XXXX that was paid off almost two years ago. I did not take out another loan. This is not my debt.
Product: Credit reporting

I refinanced my mortgage on my home in XX/XX/XXXX. The mortgage lender, XXXX XXXX XXXX, claims to have " accidentally '' reported me as " deceased '' when they closed out my old loan. In XX/XX/XXXX, I was denied a car loan because of this issue, as my bank was unable to pull a credit score through Experian. I filed a dispute with Experian, and with XXXX XXXX XXXX. XXXX XXXX XXXX confirmed it was a clerical error, and reported as such to Experian. Experian made a note, to themselves in their own systems, which they do not share with the bank, that this was a clerical error. However, XXXX XXXX XXXX did not update the file, and continued to automatically report me as deceased, despite having confirmed to Experian in writing that this was a clerical error. In XX/XX/XXXX, I had assumed this issue had been long resolved, but I again was denied a car loan, and I again filed disputes with both XXXX XXXX XXXX and Experian. My credit report, under XXXX XXXX XXXX, XXXX, continues to list me as " Deceased ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have all 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 Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Checking or savings account

I have a business saving with Bank of America I have went to branch called customer service they have failed to give me answers regarding my account they have debit/hold my entire saving I have for my business my balance inside my account was XXXX now it shown XXXX I have never gone through anything like this I would like my funds to be unfrozen and my funds returned to me this isnt okay its unprofessional I have a business I have children to be taking care of these are hard working funds I have verified myself my business to Bank of America over 8 times I understand its a lot of crazy fraud doing going on but I dont condone that at all and for my money to be token like that is insane this has caused me and my kids to go without meals them to miss out in school due to no funds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I cant even make it to an appointment my business is at a stand still I have provided all information need supporting documentation etc etc AND STILL NOTHING why is this happening I need help asap I HAVE NOTHING IT MIGHT NOT BE ALOT TO OTHERS BUT ITS ALOT TO ME AND MY FAMILY AND MY BUSINESS