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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Reported by Toyota Financial Dear Sir/Madam, I am writing to formally dispute the inaccurate late payment reported by Toyota Financial Services on my credit report. According to the report, a late payment has been incorrectly listed on my paid-off account with Toyota Financial , which I believe is erroneous. 
I have reviewed my account and payment history with Toyota Financial Services and can confirm that I have never been late on this account. The account has been paid off in full, and there are no legitimate reasons or instances where my payment was delayed or missed. I am requesting that Toyota Financial provide documentation or proof of any alleged late payment to substantiate their claim.

Please provide me with the following documentation : 1. Proof of the late payment transaction, including the date and any supporting evidence that shows the payment was late. 
XXXX. A detailed payment history for the account, showing any delay in payment, if applicable. 
If Toyota Financial is unable to provide such documentation or evidence to support this late payment, I request that you immediately take action to have this inaccurate late payment removed from my credit report, as it is a clear violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any disputed information must be corrected or deleted if it can not be verified as accurate, and I request that this alleged late payment be deleted from my credit file. 
Please note that I expect this matter to be resolved within the 30-day timeframe outlined by the FCRA. If the issue is not rectified within this period, I will consider taking further action to protect my rights under the law. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My discover credit card was used on XXXX without my authorization and because of my unawareness from unauthorized use of my credit card therefore I got big debt on my credit card but however Im trying to fix this issue and remove the late payments from my credit report but no one wants to help me not the credit agency bureaus nor the credit card company. During that specific time I was hospitalized and I haven't used my credit card. I do have my hospital documents but since in this email says do not provide anything that include your personal information I did not add it. I can provide my hospital documents if you request later. Thank you
Product: Debt collection

I received a bill from a third party collector, XXXX XXXX XXXX for XXXX XXXX on XX/XX/18. I sent a letter of validation the same day and to date, they have not responded. I have disputed this as well with the credit bureau to request that it is removed.
Product: Credit reporting or other personal consumer reports

I have viewed my credit report and noticed that there are inquiries listed that do not have a permissible purpose. According to FCRA. Anything furnished must have a permissible purpose according to 15 USC 1681B. I previously disputed this, and Equifax was non-compliant. 
XXXX XXXX XXXX
Product: Checking or savings account

I opened a BMO personal checking account and it had taken a long time to repair my consumer reports after suffering a devastating identity theft not long ago. I was very proud of getting this account and was excited to finally be a part of the BMO family. My initial deposit was a check I received from a friend but she was unaware of a restriction she had on her account that caused the check to be returned. Neither I or her were aware of the restriction and thus had no control the check being returned. Since the account was under XXXX days of being opened, BMO closed my account as quick as I had opened it. I plead with them to have a second chance to exchange the deposit but they refused and said I was too high risk. I think that it was completely unfair and unnecessary for them to be so harsh on me especially since it was one of my first accounts since the identity theft. They treated me as if I were a criminal even though I begged them to reconsider their decision. They told me they would put an appeal in with the security team member that made the decision but I heard nothing back. I decided to drop another application in and I was approved and granted a second chance but when I went to enter my trial deposits for the initial deposit it gave me an error message and required me to call in only to be denied my account. I had turned in all proper verification documents as requested every time and there was no reason to treat me as they did.
Product: Checking or savings account

Original contact date : XX/XX/XXXX. Contacted Capital One regarding check paid to medical office. Proof payment needed ( copy of my paid check ). Claim number XXXX. Told it would be emailed to me in 3-5 days. Didn't happen. Called again a few days later. Told it would be mailed to me in 5-7 days. I was patient. XX/XX/XXXX : called again. Spoke to " XXXX '' a Supervisor. Said it would be emailed to me in 3-5 days. I requested escalation as now I'm in collections with my doctor 's office regarding this payment. Said nothing they could do -- had to wait on the " back office '' to respond. Said it would be emailed to me in 3-5 days. XX/XX/XXXX : called again -spoke to XXXX ( manager ) and then XXXX ( Supervisor. Gave me a new number to call : XXXX. Said they would escalate with the back-office and to call back if I dou n't get it by XXXX. Provided a new email address ( my work email ). XXXX called again. Spoke to XXXX  ( supervisor ). After almost an hour on the phone going in circles she said I need to call back before XXXX as the back office closes at XXXX ( it was now XXXX ). XXXX called again. Didn't get the name of the supervisor. She said that they have emailed it to me 3 times and that they will mail the proof of payment to my home address. All this for a check of {$36.00}!! I can afford to pay my doctor twice ... by why should I have to? Capital One is able to take my money in .002 seconds when I'm paying for something, but after SIX WEEKS I can't get a copy of a paid check? I've been in the tech industry for 30 years. I've had email since email was created. I know how to check my inbox, spam, junk, search by vendor. I don't believe for one second they have bothered to assist with this request.
Product: Credit reporting or other personal consumer reports

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 I looked at my Transunion credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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 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: Debt collection

On XXXX I called to find out more information on my account. While I was on the phone I was talked down to by the representative. I asked her to please work with me to help me understand what is going on and she kept interupting me, telling me I did not take care of the outstanding bill and spoke in a belittleing manner. I repeatedly asked her to please understand that I have some mental health concerns that prevent me from understanding things so if she could please help me. She continued to be very rude and I asked to speak to someone else and she was short, rude and put me on hold. I was able to talk to someone else and he was very helpful and provided me the information I needed to get this resolved. 
I would like to file a complaint about the company 's representative. Her name is XXXX XXXX and she works with Primus Law. 
XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) Primus Law Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Telephone number XXXX File # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I transferred {$500.00} to my friend via Bank of America XXXX XXXX. My friend followed up with me last XX/XX/XXXX & that's when I found out that {$500.00} did not go through. Contacted Bank of America and claimed that it should resolved by XXXX. Today, I received a letter from Bank of America dated XXXX that my claim was denied. 
My {$500.00} payment now is gone & they do not want to return because the transaction date was already expired. Explained that there should be no expiration on money and if that amount is only little for them, then it is a huge amount for me. That means I need to pay another {$500.00} to my friend while they keep my {$500.00}. 
Called Bank of America again today, XX/XX/2023 and said that they will send the message to another division but no hopes that they will return my {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hired 2 companies, made disputes on the website, and lodged complaints with the CFPB regarding experian and their inaccuracies on my credit report. They have received all necessary documents from both credit agencies and myself yet, still refuse to correct the inaccuracies.
Product: Credit reporting or other personal consumer reports

I sent in a dispute on XX/XX/year> and did not receive a response within the XXXX  day timeframe allotted to the credit bureaus. As a precaution, I am reaching out to the CFPB because the credit bureau has violated 15 USC 1681i ( a ) ( 1 ) ( c ). During the XXXX  day period no response was given which would result in a default response of making the account unverifiable. In that case, the account must not be accurately reporting if they are unable to supply proper documentation that suggests the accounts aforementioned are reporting inaccurately and werent able to be verified. This would result to a violation of the fair credit reporting act. Please see the attached document in order to address concerns. 

Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account XXXX XXXX  : Account number : XXXX, The late payment reported is an error. I have proof of on-time payments. Please verify this information and update my credit report accordingly. 

XXXX  : Account number : XXXX, This account is reporting a late payment incorrectly. I have always paid on time. Update my credit report to show the correct payment history and remove the late payment. 

XXXX XXXX : Account number : XXXX, I dispute the late payment reported on this account. It is not accurate. Send me evidence of the late payment or correct my credit report to remove it. 

XXXX  XXXX : Account number : XXXX, The account shows a late payment that never occurred. This is a reporting error. Remove the erroneous late payment and ensure my credit report is updated. 

XXXX XXXX XXXX  : Account number : XXXX, The late payment on my report is inaccurate. I have made all payments on time. Please provide documentation proving the late payment or update the account to reflect the correct payment history. 

This is in accordance with Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Previously, XXXX/XXXX/2015 requested EqualFax to remove XXXX of Georgia since the last reported date exceeds 7 years, and by law Equifax needs to drop or delete this account ( See attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  began to demand and add large amounts of fees. From the XXXX credit line, I went to owing XXXX. It did not matter if I had paid the current bill. A new statement generated larger than the first. I decided to cancel the card after a representative became immensely angered at my request to cancel the card services. He stated, " It doesn't matter if you cancel ; we will still charge you interest and fees even after cancellation. '' The cards were not canceled, but only the secondary card holder 's card was suspended. They also provided false information concerning when the account was opened. It was not opened in XXXX. It was supposed to be broken when requested, and three months later, I found the report was still opened. XXXX XXXX XXXX  conducts fraudulent acts that compromise the credibility of the person with the credit. The company promises solutions and has never delivered on those promised solutions. I was purposely put into a situation where they would report due months, forcing them to report to the credit bureaus. The credit bureaus were made aware and never investigated the case using evidence. No matter what evidence I present, the Bureau favors the creditors. Where are my consumer 's rights? Can this company threaten me in this manner?
Product: Credit reporting or other personal consumer reports

While reviewing my credit report I realized that there has been unusual activity. Found that there has been at least XXXX unrecognized/unauthorized hard inquiries on the XXXX main credit bureaus ( XXXX, Equifax, XXXX ) .This were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX, CA XXXX SSN : XXXX Date : XXXX I just received my investigation results, and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Thank You, XXXX XXXX
Product: Checking or savings account

They keep refusing my dispute and making my account go negative telling me to resolve the issue with the merchant but I'm showing them that the merchant are known scammers and they're ignoring me and not helping me to resolve the issue. They charged me to buy an item and then took the item back after the 2 week warranty date and when I contacted the merchant about my purchases and items they keep telling me they cant help me since the seller took my money already and they ignore me and won't give me my money back. 

I showed XXXX XXXX XXXX multiple times that this company scammed me and they still won't do anything to help giving me the same response to solve the issue with the merchant but how can I do that when they ignore me constantly and i've shown them proof of this same exact issue happening to other people as well. 

They're also conducting illegal activity by faking buyer reviewers and automatically making accounts do reviews when you don't do them which is fraud and illegal yet TD BANK N.A ignores this as well.I 've shown my bank proof multiple times that this company XXXX XXXX is a scamming company that does illegal activity on the buyers such as writing fake reviews on the buyers behalf to make it seem like people are getting what they paid for when in reality they arent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries are on my credit report that I never saw before need this to be disputed of credit report
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Product: Mortgage

In XXXX I purchased my home with the no money down programs offered. The XXXX mortgage was to pay the downpayment, closing fee etc. Once my house value dropped and the 1st mortgage interest rate became ridiculously high, I filed for bankruptcy and was able to negotiate a fixed rate and affordable payments with the first mortgage and the first mortgage forgave {$80000.00} of principal on my mortgage making my payments and new mortgage amount affordable. The second mortgage disappeared and I thought it was dismissed by bankruptcy. Then 10 years letter ( XXXX XXXX  ) In XXXX I received a mortgage bill from Franklin Credit Management Corporation who purchased my original second mortgage and the now how a lien and are sending bills. I contacted Franklin Credit to request a modification and I was denied. The original XXXX mortgage in XXXX was for the amount of XXXX with an interest rate of 11.70 %. Franklin Credit has sent me a bill for {$160000.00} to reinstate the loan.
Product: Credit reporting or other personal consumer reports

It is my assertion that the inclusion of erroneously documented late payment remarks on my accounts violates 15 USC 1666. Every payment associated with these accounts has been promptly executed, and any deviation from this accurate reporting is deemed unfair and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2019 XXXXDate of inquiry XX/XX/2019