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

In XXXX, I contacted Toyota Motor Credit Corporation to notify them that I was entering active military duty and requested the termination of my vehicle lease in accordance with the Servicemembers Civil Relief Act ( SCRA ). Toyota informed me that they would terminate the lease and retrieve the vehicle. However, this did not happen. 

Since I was in boot camp and had no access to the internet or phone for several months, I was unable to monitor the situation. Upon completing boot camp, I discovered that Toyota had not taken any action to terminate the lease, as agreed, and the account had gone delinquent. This resulted in negative reporting on my credit file, which significantly damaged my

credit score. This issue arose through no fault of my own, as I had complied
with my obligations under the SCRA by notifying Toyota of my active duty status and requesting the lease termination. Toyotas failure to follow through on their obligations under federal law caused the account to be charged off and improperly reported as delinquent. 

I respectfully request that Toyota Motor Credit Corporation correct this issue by removing the negative remarks from my credit report, as the delinquency occurred due to their error in handling my account. I also ask that they verify their compliance with the SCRA in this matter. 

Thank you for your attention to this matter. I am happy to provide additional documentation, including proof of my military orders and previous correspondence with Toyota. For the record I would email them and they would just call me to which I requested to just email me to have it on record and they didn't comply.
Product: Credit card or prepaid card

I had applied for Balance Transfer  with my XXXX card Comenity Bank XXXX XXXX XXXX XXXX of dollar XXXX in XX/XX/XXXX. I had given below details on my request. 
Card Number XXXX XXXX XXXX XXXX XXXX XXXX CARD account I waited for some time for balance transfer to show up in my XXXX checking account but when I didnt received I started calling Comenity bank and they asked me reach out to XXXX XXXX. I reached out to XXXX XXXX  on chat and call but didnt help. I told XXXX representative how I can share evidence shared by Comenity bank. They asked me to send mail which I did After talking to Comenity rep. He told me that we should not put debit card number in balance transfer may be that is leading to this break but I was not aware of that at that time. They were saying initially that they will cancel it and it would reflect in my account after a month but after few weeks they would send me mail that my request is rejected and I need to check with XXXX XXXX  and they kept charging fees and interest on balance. I ever reached out to XXXX handles of Comenity Bank but they also came back with same response Comenity said, money have been deposited in below account but XXXX said they are not able to trace it Check Serial Number XXXX Posting date XXXX XXXX XXXX Account Number XXXX RT XXXX Comenity bank is saying that this check has been deposited in XXXX and hence they cant cancel this transaction from their side. I have contacted XXXX with check details and they say that they are not able to locate check and Comenity bank Operations team should initiate a query with them and Comenity bank said that they cant do that, and I will have to check with my XXXX XXXX  I have talked to customer care of both the banks multiple times in XX/XX/XXXX and I have also send them written letter with all proofs but still Comenity said they cant do anything and XXXX XXXX  never came back I have stopped paying Comenity credit card after they started charging me late fees and interest charge back and again Also I have closed my XXXX recently Can you please look into this request and help me trace the check with XXXX XXXX  1 ) Trace this check and send it to me or cancel this transactions completely 2 ) Remove Balance transfer of XXXX and all fees and interest charged on my account since then
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my  credit score, eve n thouygh they claim to have no information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a dispute multiple times with experian for XXXX XXXX XXXX. I never had any auto loans or leased any vehicles with them. I have submitted documentation that my identity was stolen and a police report and have not been able to get this removed. XXXX  and XXXX  have removed it off my credit. I submitted two letters asking for documentation showing that it was me that opened the loan and after 30 days experian send a request saying they investigated and nothing have changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$75.00} XXXX XXXX  I XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, I paid the balance of the loan in FULL. 


Reporting to my credit report as a REPOSSESSION AND CLOSED ACCOUNT. 

As of XX/XX/year> this credit is reporting a balance of $ XXXX, which is false. 

I submitted a disputed directly to the creditor stating the balance reported was incorrect... 

This fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. I called spoked to a XXXX XXXX, who was rude and condescending stating the car loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the XXXX and XXXX of each month. 

The last time my credit report was updated was XX/XX/year>, where the balance was $ XXXX, closed, and a repossession. I have possession of the vehicle and paid it off IN FULL. Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens. 

Update account to GOOD STANDING AND PAID IN FULL... I do not owe {$5200.00} nor is the vehicle repossessed or is the account closed.
Product: Money transfer, virtual currency, or money service

Ok..I 've been dealing with trying to get my Venmo account unfrozen because they will not give me my stimulus!!! 
I have verified my i.d . but they will not give me access or let me transfer my money. I have XXXX XXXX XXXX that those Venmo XXXX will not give me access to and I just want my stimulus help!!!
Product: Consumer Loan

I received a purchase for my lease vehicle from Toyota Financial Services. I was give 30 days to pay.I called a couple of times to make sure that I Had the correct amount.I paid the full amount that was ask of me within that period, I than received an addition about. Next I received another letter saying that my cashier check was missing signature, they were unable to identify my account, the check they said was damaged, the written amount does not match the numeric amount.They also claimed the odometer was wrong.They also sent me back the check. There was nothing wrong with check.No damage, the amount was correct in according to the first pay off that was sent. I have not signed another contract. 
I am now receiving monthly bills. I have went ahead and paid so that my credit is now affected by this. At the time on this my credit was XXXX. My loan was paid in full, before the the pay off date.
Product: Credit card or prepaid card

We have a cash back credit card with Citibank. We generally pay our balance off every month, so Citibank is not making a lot of money in interest payment from us. Lately, the company has been repeatedly putting temporary freezes on our cards so that we can't use them while they " verify '' that there haven't been any fraudulent purchases. They have done this multiple times this month, to both my husband and me. In the latest round, I called to get a freeze lifted, but they decided they couldn't verify my identity on the phone and would have to send me a letter, and that I would be unable to use the card for 5-7 days while I waited for the letter. The letter never came, so I called them and they said they would re-send the letter, and I would have to wait another 5-7 business days. At this point, I've been unable to use my card for weeks. I believe that Citibank is harassing us by making it impossible to use the card, in hopes that we will close the account, because they are no longer happy with the deal they made in signing us up. Is this legal? I am having no luck getting my card unfrozen.
Product: Student loan

I am filing a formal complaint against my loan servicer, Mohela, for their failure to respond to my inquiries regarding the status of my Income-Driven Repayment ( IDR ) application and information on reconsolidating my loans back to XXXX. Despite numerous attempts to contact them via phone and email, I have received no communication or updates, leaving me in the dark about my repayment plan and financial obligations. Additionally, Mohela has begun requiring payments without providing any clarification on the outcome of my IDR review or my current payment schedule, causing undue financial stress. I request the Consumer Financial Protection Bureau investigate this matter and address Mohelas lack of transparency and failure to provide necessary loan information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate late payments listed on my credit report with is a violation of my rights and hindering me from obtaining reasonable credit purchases. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I was charged arbitrarily and discriminatorily by XXXX starting from XX/XX/2023 all the way to the XXXX of XX/XX/2023 first to the tune of an incorrect amount on both me and the Capital One representatives part of about {$40.00} and then a charge on the XXXX of XXXX a charge of 3 large traveling bags from a store called XXXX XXXX XXXX XXXX  for {$52.00}. On XX/XX/2023 I called to rectify the situation after the initial amount of both transaction coming to {$93.00} was initial credited to my account then debited back into my account as a reversal. Upon going over the initial dispute amount the dispute charge amount was changed to {$77.00}. The main issue is the reversal caused my account that was a few cents in the green turned into - {$93.00} causing a deposit from XXXX  data breach of {$61.00} to get sucked up. At the reopening of the reversed XXXX $ case the adjusted amount was {$77.00} with them stating there will be no issuing of refunds of {$61.00} deposited into my account by XXXX and posted on XX/XX/2023. Please I would like a rectification of this situation with a positive outcome. Thank you.
Product: Vehicle loan or lease

I XXXX XXXX, have been paying {$450.00} monthly on my XXXX XXXX XXXX for 3 years. The cars interest rate is so high that I'm going to be paying another 4+ years to own it. I've been asking for a breakdown for some time now and still have not received anything. Please help resolve this issue. I do not want to pay for one car with the price of two.
Product: Debt collection

On  XXXX   2017  I had requested telephone service at my home address. I was told on serval occasions that my landline service was working on  XXXX   XXXX ,    2017  only to find out that it was n't. A tech called me and left a voicemail advising they needed to get in my residence, because it appeared to be a problem with my wiring. After several days of cat and mouse, not ever being able to set up an app ointment to let tech in. I called and canceled service and was told I would not be billed, because the tech had  canceled the order for service, Now  XXXX   XXXX   XXXX  has sold t o Diversfied Consultant Inc. I d o not owe this debt. The number that given to me was  XXXX . I want this remove from my credit report.
Product: Credit reporting

In XXXX of 2015 I contacted TransUnion LLC to request the investigation and removal of incorrect information on my credit file. Over several months I received the generic automatic letter that they send all consumers who disputed their credit file. I took legal action and obtain a default judgment against the company reporting the inaccurate information on my credit file in XXXX of 2015. I forwarded a copy of the judgment to Transunion over the last three months and they still have not removed this inaccurate information from my credit file. Transunion keeps sending me the same letter stating that they have verified the account belongs to me and that I should contact the company.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Complaint against Sallie Mae I am writing today to complain about the handling of my student loans with Sallie Mae. Although I appreciate their consideration to provide me with a loan modification in XXXX 2017, they have reported me and my father 60 days late on our credit report. My mother, who is authorized to discuss my Sallie Mae loans, repeatedly asked the representative if this would impact our credit scores and we were told no you are not 60 days late. The representative who assisted us in arranging the automatic payment schedule even stated the day of the month initially picked would not be good because it would make me 60 days late, so we changed the payment date. In late XX/XX/XXXX, early XX/XX/XXXX, me and my father received a text message alerting us about a change made to our credit report. Upon further review, we found Sallie Mae reported me and my father 60 days late on my student loans. We have called Sallie Mae to lodge a complaint and resolve this matter but with no success. They said we received phone calls and correspondence regarding the loans being past due, which we are not disputing. But when we contacted Sallie Mae to ask why we were receiving the calls and letters, they responded they are automated and will continue to receive them until our 3rd automated payment was processed. We were never told our loans were 60 days late. We asked for a copy of all telephone transcripts of our previous conversations leading up to this point and were told they do not provide them. I understand we are responsible for the management of our loans, but we strongly believe we were misinformed and misrepresented. We reached out to Sallie Mae for assistance to try and avoid the exact situation we find ourselves in today. 

Based on our last phone call today, XXXX XXXX, 2017, to try and dispute this matter with Sallie Mae directly, they stated they will not correct the reporting to our credit reports since we were 60 days late. We are not sure if it will make a difference or not but me and my father have placed a dispute on all 3 credit bureaus against Sallie Mae for reporting us 60 days late.
Product: Mortgage

Today ( XX/XX/XXXX  ) I received notification through the US Mail that my mortgage loan with XXXX XXXX XXXX was being transferred to Mr. Cooper. The name alone inspires fear. I understand that Mr. Cooper had 15 days before XX/XX/XXXX to make contact with me before the date of the next payment due date which is XX/XX/XXXX. To my knowledge, this company has failed in its due diligence as of XX/XX/.
Product: Debt collection

I moved to colorado 2021 XX/XX/XXXX and was not notified or called anytime between then and now about any debt that was owed and also we did not receive a security deposit back. It has been years since then we have not been contacted until now about any debt.also since then I have had name change
Product: Credit reporting or other personal consumer reports

THIS VEHICLE IS IN THE DATA BASE AS BEING STOLEN AND HAS BEEN NO RESPONS AND ITS BEN OVER SIX MONTHS WITHOUT ANY FORM OF PROPER INVESTIGATON ON THE VEHICHLE WICH SHOULD NOT BE ON MY CREDIT TEPORT AS A CHARGED OFF ACCOUNT IT IS IMPOSSIBLE TO START ANY FORM OF PAYMENT UNDER THE FCRA TO PAY ON A STOLEN CAR BILL THIS HAS TO BE RECTIFIED WHY THIS HAS NOT BEN HANDLE BY XXXX XXXX XXXX XXXX  THIS IS BECOME A PROBLEM WICH XXXX SHOULD NOT LET THIS COMPANY GET AWAY WITH FRAUD DO TO A HAVE TO SUFFER DEARLLY AND YOU MUST PERTECT ME THATS IN THE DEFINITION OF THIS BUROUGH Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$17000.00} Highest balance - Terms 75 Months On record until XX/XX/XXXX Payment history 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 Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX  Charge off XXXX No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX  90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX  30 days past due as of XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX.