23daVinci/CFPB_Complaints huggingface dataset:
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 personal pieces of information were still found in my reports. The Equifax 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 incorrect personal pieces of information that are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

On XXXX XXXX, 2016 I redeemed XXXX Everyday Rewards points on my Citizens Bank XXXX which entitled me to a cash deposit of {$120.00} to my Citizens Bank XXXX deposit checking account. The deposit normally takes 3-5 business days and as of XXXX XXXX, 2016 I have not yet received it. The redemption was made online. On XXXX XXXX, I notified the Everyday Rewards department by telephone and was assigned case # XXXX to my complaint. Since then I have made several telephone calls to check the status of my complaint but could not receive any information other than they were working on it. On XXXX XX/XX/2016 the branch manager of the XXXX ( PA ) branch called them in my presence and could not get any information. Given Citizens Financial Group 's past history of misappropriation of depositor funds, I can not help being suspicious of their behavior in this matter. I am therefore requesting the assistance of CFPB in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my consumer reports : 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
Product: Credit reporting

Transunion, I am aware that some of the accounts listed on my credit report have been sold to a 3rd party. These are NOT the original creditors and I am NOT under any contract obligation to this companies and or agencies. Please remove this account from my credit report immediately. They are listed below : 1. Debt Collector - XXXX Original Lender- XXXX Balance XXXX {$560.00} 2. XXXX XXXX Balance - {$830.00}
Product: Credit card

I ordered XXXX bras and XXXX pair of XXXX boots from XXXX online, using JCPENNEY credit card. This was the end of XXXX 2016. I received the XXXX bras, but the boots were not delivered. Shipping receipt said OUT code XXXX. I drove to local penneys, they had boots in stock similar, so I purchase them. Emailed XXXX via secure email on my XXXX account that I had purchased another pair, please credit me for the online order not received. I have sent XXXX emails, called twice, Faxed twice, Called XXXX reported to them. Still being charged for online order that I did n't received. They all say they can not tell what I order or what I received even with the shipping receipt. They have now place a derogatory remark on my credit for something I 've been billed for but never received. Now, plus the charge, there is interest and late fees.
Product: Student loan

Multiple instances over the years of being provided inaccurate and/or conflicting information which has been detrimental to my ability to pay off the student loan I have. I believe this company has purposely misled me with information to keep me paying at a rate that is unbearable and should be illegal. 
Most recently I was provided inaccurate information concerning relief due to COVID-19. I was led to believe that a move into " Forbearance '' would provide relief from the interest until XXXX. This happened in a recorded phone call in late XXXX, early XXXX. I can provide dates and details of conversations. 
On XX/XX/20, I was told the information that was provided to me concerning my loan was not as represented. 
These instances have happened for many years and now I am in need of assistance with a complaint as it appears this will not stop and I can't take it any longer.
Product: Consumer Loan

Consumer Portfolio Services called my office again ... 
I had filed a complaint last year after I had told this company to NOT call my work number or call prior to am. Per the agreement the emailed back - they would not call work or call prior to XXXX. 
I filed another complaint last week showing the date and time of a call at work after the agreement ( I let the 1st couple go ). Then 2 days ago they called my office again. It has to stop!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX unauthorized inquiry and XXXX accounts to validate and XXXX accounts that have wrong dates of last activity and they say charge off which is not accurate
Product: Mortgage

This is not a duplicate complaint and new concerns are being expressed. PennyMac loan services has failed to respond to my complaint regarding the escrow issues regarding my loan account. My county taxes have decreased and are included in my loan payment. When my account was serviced by XXXX XXXX XXXX I never had issues with escrow shortages as my taxes are included in the mortgage payment. During a telephone call with PennyMac Loan services the representative admitted that they underpaid for taxes which created an escrow shortage. The company is engaging in practices that violate RESPA but increasing my mortgage payment due to their mistake. Additionally, I previously filed a complaint against them and they did not respond to my QWR request pursuant to RESPA. Most important, I have left numerous messages for XXXX XXXX and she has refused to contact me regarding my account. Moreover, PennyMac 's escrow department has been closed and representatives are unavailable to address my concerns. The CFPB should be investigating this company for not having representatives available to respond to my concerns. 

I have provided the company with proof that my XXXX 2016 payment was not applied and they have adversely reported my loan late. All of their prior response letters do not address this concern. 
I have contacted a real estate attorney and going to file a lawsuit in federal court as my damages are in excess of {$75000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax owes me XXXX since 2008 never recieved.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer XXXX any other incoming deposits. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access XXXX  funds. This situation raises concerns about consumer protection laws, XXXX I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my CoreLogic Credco consumer credit report sent to me via mail.
Product: Credit reporting or other personal consumer reports

inaccurate information was reported to XXXX, Transunion and XXXX, XXXX XXXX XXXX reported late payment, wrong information was reported
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX & XX/XX/XXXX I noticed 2 inquiries from XXXX XXXX XXXX XXXX XXXX. I keep track of my credit inquiries and lost my state ID in XXXX so I know this is identity theft. I have since locked my report and the reporting bank is telling me I can not have these items deleted! The 3 credit bureaus won't help and is bringing me to fight XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

This consumer reporting agency is reporting this US Department of education/XXXX  account on my credit report as paid of -40 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously received bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know do not belong to me. Please remove these items from my credit report. 

XXXX XXXX {$23000.00} AUTO ACCEPT XXXX {$9900.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and TRANSUNION do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TRANSUNION, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and TRANSUNION are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX XXXX reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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: Mortgage

I closed on my new property in XXXX of XXXX. Since that time, my loan has been transferred to a new servicer twice already. In a letter dated XXXX/XXXX/XXXX from XXXX, I was advised that my new servicer would be XXXX XXXX XXXX, effective XXXX/XXXX/XXXX. By the time I received this letter, I had already mailed my XXXX payment to XXXX. When it was time to mail my XXXX payment, I mailed it to the address that XXXX had provided me for XXXX XXXX Servicing since I still had not received any communication from this new servicer. 

My first communication from XXXX XXXX, c/o XXXX Loan Servicing was a mortgage statement dated XXXX/XXXX/XXXX, which also included a Notice of Servicing Transfer letter. This statement showed a total amount due of {$930.00} with a payment due date of XXXX/XXXX/XXXX. Two things : 1 ) My monthly mortgage payment is supposed to be {$460.00} and 2 ) I have not missed any payments, have not sent in less than owed, nor have I been even a day late. I then checked my bank account. My XXXX payment to XXXX XXXX cleared my account on XXXX/XXXX/XXXX, before they even mailed me the statement showing {$930.00}. 

On XXXX/XXXX/XXXX I mailed a Qualified Written Request to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, CO XXXX ; which was the address they listed for a Qualified Written Request in the Notice of Servicing Transfer letter. I asked them to explain why my statement showed a past due amount of {$470.00}, what the additional {$18.00} charge ( {$470.00} - {$460.00} ) was for, and also requested an itemized statement with the correct outstanding principal, escrow balance, et cetera. 

To this date, I have not received a written acknowledgement of my inquiry. I have, of course, received a statement for my XXXX payment. The payment is now the correct amount, but my escrow balance is wrong. In addition, I am concerned that they tried to charge me some late fee in the middle of a transfer of service.
Product: Credit card or prepaid card

My PA unemployment Reliacard was issued by U.S Bank. 
On XX/XX/2020 I tried to make a card to Bank transfer from Reliacard to My personal Checking account. However, the transfer was not approved and U.S Bank froze my account for no reason. 
I called the customer service at U.S Bank regarding the transfer. The customer service told me that My card was deactivated that they will issue a new card for me. So I waited for a week for my new card, however, the card never arrived. 
Then, I logged into my online account on XX/XX/2020 and I saw my unemployment money was missing from my account while I have no access to my card or money. There are {$3100.00} were used in OHIO. But I live in PA and have never been to another state. 
I called the customer service and they keep hanging up my call while transferring my call to their fraud department. 
After attempting for a few hours they finally filed my fraud claim.

However, I received a letter from U.S Bank denied my fraud claim on XX/XX/2020. 
Please help me with my unemployment money.
Product: Payday loan, title loan, personal loan, or advance loan

I had a consumer installment loan from Aqua Finance, LLC which required that I make payments online through a website they established. Without any advance notice or warning sometime between the time I made my XXXX payment and my attempt to make my XXXX payment, the company suspended the website and I was unable to access my account. I made effort to locate a different website for the same company but was denied access stating that my account information did not exist. Repeated attempts to telephone in to the company, were unsuccessful. Subsequently I have had my account placed in collection. The company has not made it possible for me to resume making payments or accept payments despite their having suspended the only method of making payments to begin with without any advance notice or alternate options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : BankruptcyXXXX Case Number : XXXX ; XXXX XXXX XXXX  XXXX Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Experian. I believe this late payment is erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payment listed on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In response to XXXX. Toyota employees did not provide an original agreement. Instead they provided copies of an agreement containing forged and hypothecated signatures along with evidence of receivables. Under penalty of perjury signed and dated on a sworn affidavit. Employees must produce an original certified copy of an agreement which contains original signatures of all parties involved in a partnership which includes the notary who witnessed the execution of an agreement/partnership take place with having first hand knowledge of the date, day, time, month and year of the execution of an agreement. Also employees are required to provide documentation showing payables which matches their records of receivables. This proves full disclosure and transparency of Toyota providing loans as advertised. Employees at Toyota must also show proof that the Tow Truck Driver was In possession of an original agreement during conducting theft of property.

Under penalty of perjury signed and dated on a sworn affidavit.Please answer the following questions : Are Chief Executive Officers at Toyota Financial Services in the business of purchasing retail installment contract from Dealerships? 
Is Toyota Financial Services a servicing company that manages retail installment contracts purchased by employees at Toyota Motor Credit Corporation?
Product: Credit reporting or other personal consumer reports

The following company has not received written consent to have the account listed below to be furnished on my credit report. 

XXXX XXXX XXXX Account XXXX XXXX opened on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

10* public records reported on Experian credit report with out authorization. Very personal information! 10 separate reports
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

In XX/XX/XXXX, I had to file for bankruptcy ( ( Chapter XXXX ) due to my husbands illness. Since that time, Ive paid {$4500.00} per month to eradicate my debts. In XX/XX/XXXX, I eliminated my mortgage arrears while never missing a mortgage payment. After I eliminated the arrears, my former mortgage company, Wells Fargo, sold my loan to another company, XXXX XXXX XXXX. Wells Fargo Home Mortgage then erroneously filed a report stating that I was 150 days past due and was in foreclosure in XXXX, after the loan was sold. 

Since then, I entered into a contract and sold my house, while also entering into a contract to buy a new house. The proceeds from the sale of my house will allow me to eliminate the remaining debt, pay off my old mortgage and incur debt for the new home, all of which has been approved by the Federal Bankruptcy Judge. Unfortunately, the reporting of 150 days past due and foreclosure filed in XXXX by Wells Fargo is on my credit report and prevents me from qualifying for a FHA loan, despite proving there were no late payments and the house was not foreclosed on. 

Please help me! The tactics of Wells Fargo are duplicitous and erroneously incorrect. At this point, my husband and I may be without a home as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is saying the inquiries are factual when they are that and they have not provided any such proof that they are factual. 

XXXX did not delete the inquiries requested in my previous investigation.
Product: Bank account or service

I closed my Capital One 360 savings account because Capital One cancelled my XXXX credit cards without any notice. I now get advertisements over the email for Capital One 360. I want them to cease and desist.