23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My lease XXXX XXXX was in accident on XX/XX/2018. I reported the accident to my XXXX XXXX ( within 2 hours after returning from the hospital ). XXXX followed up from that point dealing with Toyota Financial loss department. They issued a payment check to Toyota for the lease car ( XX/XX/2018 ). Toyota then proceeded with their internal resolution process for loss cars. I was told they would contact me once completed. They competed it in XX/XX/2018. I started receiving phone calls from Toyota around XX/XX/2018 re their resolution result. I never received any letters from Toyota re completion just phone calls. I returned their call and was told that that my lease insurance ( GAP ) was only responsible for a payment of XXXX and I would have to pay them XXXX to complete the entire process and will thus have a XXXX balance. I contested the TOYOTA GAP insurance payout because it was incorrect ( because Toyota had intentionally have the wrong date for the accident which made the Gap insurance less than it should since they had me noted as not making my monthly payment when the car was already written of. Toyota GAP Ins. agreed they had the accident date incorrect and resubmitted the claim for a corrected determination. I was told by two Toyota GAP  customer representatives around early XX/XX/2018, to wait for the claim process to complete again for my payment responsibility after GAP re calculated their liability to so I can resolve the balance. During that claim process Toyota prematurely and erroneously sent my account to collection ( XXXX ). Sometime around XX/XX/XXXX, I received a call from the collection agency saying that I owed Toyota XXXX. I was extremely angry at which point I told the debt collector I will call Toyota to resolve this because my GAP insurance claim is still being resolve with Toyota and thus I have no idea, why this account would be sent to collections. In fact, there was not a final payment determination for my portion. I called Toyota who then said that they are no longer responsible and did not help  me except to say resolve it with the collection agency. By the end of XX/XX/XXXX. ( maybe early XX/XX/XXXX. ), Toyota GAP insurance finally process the corrected claim ( they were now responsible for XXXX dollars instead of their initial XXXX ) and gave me a final corrected payment of XXXX. I promptly resolved that payment with the debt collector on XX/XX/XXXX. Toyota financial has put my credit history in jeopardy for a mistake made on their end, and during the correcting of their mistake they prematurely sent my account to collections despite assurances that I should wait for the completing of my Toyota GAP insurance claim process. This account was paid and finalize in less than 2 weeks from Toyota GAP insurance GAP claim  completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that appear on my persona consumer report form Transunion, XXXX and XXXX that I do not recognize from XXXX XXXX on XX/XX/2022. There is a possibility that due to the history I've had in the past with this particular financial institution, they my have issued an inquiry to cause me financial harm.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair business practices. which violate the consumer financial protection act ( CFPB ). specifically, cash app 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 electronics funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss, and I seek the appropriate redress for these violations.
Product: Credit reporting

I purchased a {$1600.00} refrigerator in XXXX XXXX from XXXX 's XXXX, the day it was delivered the bends and trays were missing in which I had to go into the store and obtain these items from a floor model. A week later the week of XXXX the whole fron electric panel went out and the ice and water maker did not work. XXXX 's did not repair the refrigerator until the XXXX week in XXXX XXXX and refused to deliver a new refrigerator. During this time XXXX 's offered me extensions so I did not have a payments due during this 2 month period until the issues were rectified. When the refrigerator was finally repaired I called in to make XXXX payment. Now I received information from the XXXX credit bureaus that my account has been delinquent more than 60 days. This information is incorrect and has negatively effected my credit trying to receive a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped suddenly. TransUnion reported a XXXX account as delinquent. Their investigation should have confirmed that XXXX never sent me any billing information for the alleged debt, though they had my address, email, and phone numbers. Nor did the debt collector ( who never answers the phone or calls back ) send any information. TransUnion records show that XXXX was never listed as delinquent 30, 60, 90, etc. ( I would have noticed ). Their own records show NO previous payments, despite 16 years of timely payments. A company should not be able to submit a debt to collections having never notified the debtor. A credit union should notice when something comes on the record for the first time as referred to collection!
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting incorrect inquiries on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Fraud claim filed last year and still showing under my account, I am only making minimum payment until this issue is resolved however I see interest charges are added to my account every month.
Product: Debt collection

On XXXX XXXX this company reported on my credit report for XXXX and I have never done business with them and dont know who they are. I dont owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Delete this account. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ). 


Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, Credit Strong account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent.

Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA.

I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law.

Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX  XXXX
Product: Student loan

I was told by XXXX that my students loans were eligible for.complete forgiveness. Instead they got consolidated and sent over to another servicer. I was not aware of this information that my loans were transferred instead of forgiveness. I looked on the FSA website and showed all my loans were paid in full. Well in XX/XX/XXXX l get a letter stating that my loans have been consolidated and that l needed to make a XXXX loan payment on the XXXX of XXXX. I called MOHELA and told them I was not aware that l had consolidated my student loans and that l was on a fixed income l only receive XXXX a month from Social security they did not care about what my financial status were. They reported it to the credit bureaus that l owed XXXX and caused me not to be able to get my home refinance because l had this big student loan debt. I have called to see if they would changed the status as paid or delete it off my credit in order for me to get this loan for my home to get refinance. They told me no one representative name XXXX and XXXX representative both got smart with me and said why did l borrow the money knowing that I couldn't pay it back. That l had no intentions of ever paying it and that they would note my account refusal to pay loan and make sure that l don't get my home refinance. All l was asking for was a good faith deletion. I am XXXX XXXX XXXX l am on a fixed income. My home is falling apart l have no heat no air. I need a new roof from storm damage my insurance company wouldn't pay for it. I have rotted poles on my home. This is why l was trying to get my home refinance because of the information on my credit making my debt to ratio too high l can't get my home refinance. I am asking for help to see if l can get a good faith deletion of the MOHELA student loan on my credit which is inaccurate and was transferred to them without my knowledge instead of being forgiven or cancelled as promised. I am asking for a relief or this to be granted immediately. They are not willing to help only to tell me there's nothing they can do about it. But to pay my account off to get the loan. Are they serious if l had the money to get my house redone l wouldn't be asking them for a good faith deletion l would pay the account with no problem.
Product: Consumer Loan

we applied on line for a loan with a company called community choice financial, they said we were approved, so the XXXX thing they wanted us to do is open up a checking account with XXXX bank, because that 's the only bank they deal with, also XXXX we opened up account to call them back, so we opened up account, called back they, then they said to go back to bank they would deposit XXXX dollars out of the XXXX we were getting, with draw the XXXX go to a money gram place and they would tell me where to send it, I ask them why pull out then send it back, they said it shows them good faith on paying back the XXXX dollars XXXX many red flags ). they were suppose to be in XXXX but the address on the application is XXXX, so we web searched the XXXX address got a number called, explained to them why we called they said never heard of them XXXX red flag again XXXX and then we contacted you. also they would not give me a lic. #. thank you
Product: Consumer Loan

I took out an installment loan from Avant Credit. I paid all of my payments and thought after the final payment was made that my account was paid in full. Two years have passed since my last payment was made and I pulled my credit to review what was on there and clean up any necessary accounts. I noticed that Avant was still on my credit as an open account and accruing interest. After my final payment was made ( in which they were automatically drafted from my account ), I never heard from Avant again. I reached out to Avant by phone on XXXX XXXX, XXXX and was told there was nothing they could do that I would need to email the dispute department, which I did that same day. On XXXX XXXX, XXXX, I received an email back stating that I had a very minimal balance on my account after the final payment was made because I moved a scheduled payment so that has been accruing interest ... ..since XXXX XXXX, XXXX. I responded once again on XXXX XXXX explaining that I was disputing the fact that I was accruing interest on a balance that I did not know existed and would have known existed had I not pulled my credit report and reached out to them. Today, XXXX XXXX, XXXX, I received an email from Avant again stating the same thing that there was a balance and has continued to accrue interest. I responded and told them once again I did not know there was a balance and since they did not tell me, that is why the balance remained unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : THIRD Dispute of Outdated Address Information on My Credit Report Demand for Immediate Action To Whom It May Concern, I am writing to express my extreme dissatisfaction and deep concern regarding the outdated addresses on my Experian credit report. This is my third attempt to resolve this issue, and your continued failure to address this matter is both negligent and in violation of the Fair Credit Reporting Act ( FCRA ). 

My only current and accurate address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX All other addresses listed on my credit report are outdated and must be removed immediately. 

Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter. If you can not verify the accuracy of the disputed information, you must delete the disputed items. Be advised that failure to comply with the FCRA may result in legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

As established in XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies can be held liable for failing to conduct a reasonable investigation of disputes. Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that credit reporting agencies are required to use reasonable procedures to ensure the accuracy of the information on a consumer 's credit report. Should you fail to take the necessary action to rectify this matter, I will have no choice but to consider taking legal action to protect my rights. 

Your immediate attention to this matter is expected and appreciated. Failure to comply with my request may result in further legal consequences for your organization, including potential damages and attorney 's fees as allowed under FCRA provisions. Considering the legal precedents mentioned above, I trust that you will take this matter seriously and act promptly to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters and sent them certified for years asking that Equifax correct my name 's spelling. This has affected me tremendously for years. I just learned that I could file a complaint with your agency to get assistance in resolving this matter. 

My name is XXXX XXXX. " Not XXXX XXXX '', which is currently reflected on my Equifax credit report. There are also accounts that are attached to that name that does not belong to me.
Product: Consumer Loan

I had an installment loan with Cash Central which they reported to XXXX XXXX and XXXX despite explicitly agreeing not to. I disputed this once via CFPB and Cash Central agreed to remove it. I just checked XXXX reports and they have not done so. They are in violation of the agreement. They need to remove this from XXXX reports.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Account # XXXX To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt associated with Account # XXXX, which Midland Credit Management ( MCM ) has reported to me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I request that you provide the following information to verify the validity of this debt : XXXX. Proof of the Original Debt A complete accounting of the alleged debt, including a copy of any signed agreements, statements, or original creditor documentation. 
XXXX. Chain of Custody Documentation showing Midland Credit Management 's legal right to collect this debt, including a copy of the assignment or sale agreement transferring the debt. 
XXXX. Full Payment and Fee Breakdown An itemized statement detailing the principal balance, interest, fees, and any additional charges added. 
XXXX. Statute of Limitations Compliance The date of the last payment and confirmation that the debt is still within the legal timeframe for collection under my state 's statute of limitations. 
XXXX. Legal Authority to Collect in XXXX XXXX Proof that Midland Credit Management is licensed and legally permitted to collect debts in the state of New York. 
XXXX. Fair Credit Reporting Act ( FCRA ) Compliance If this debt is being reported to the credit bureaus, provide verification of compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including proof of the accuracy of any reported information. 
XXXX. Privacy Law Compliance Assurance that my personal and financial information is being handled in compliance with federal privacy laws, including the XXXX XXXX ( XXXX XXXX. XXXX ) and applicable state laws. 
Until proper validation of this debt is provided, I do not acknowledge any liability. Per 15 U.S.C. 1692c, I formally request that all communication regarding this matter be conducted in writing only. Furthermore, any attempt to report unverifiable debt to credit agencies will be considered a violation of 15 U.S.C. 1681s-2 ( b ). 
If you can not verify this debt with the requested documentation, I request its immediate removal from my credit report and that you cease all collection efforts. Failure to comply with my request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX. 
Please treat this letter as a formal dispute under the FDCPA. I expect a written response within XXXX  days, as required by law. 
Sincerely, 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 XXXX account, has violated my rights.

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to report serious concerns regarding XXXX, Equifax, and XXXX. Despite submitting several disputes, the errors on my credit report remain unresolved. The specific issues are as follows : Disputed Account Not Labeled ( FCRA 623 ( a ) ( b ) ) : The disputed account has not been updated to reflect its disputed status, as required by law.

Incorrect Reporting of Date of Last Activity ( FCRA 605 ( c ) ) : The date of last activity listed is inaccurate and should match the actual date of my last payment.

Failure to Validate a Collection Account ( FDCPA 809 ( b ) ) : I have requested validation of a collection account, but it has not been properly verified.