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

I have had nothing but issues since I opened my XXXX XXXX Store card. I have never physically received the actual card itself. I have for this first time received my first physical statement in the month of XX/XX/year> since I opened this account. Because I have not received the previous statements and nor physically had the store card to set up online access, it's hindered my ability to abide by all payment requirements. In lieu of this, my consumer reports has been greatly affected by this single account. I have had trouble moving into a house along with many other things.

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

I am revoking oral & written permission to report these late payments on my consumer report due to the nature of me not being informed properly to make payments.

Also as a violation 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal I am notifying of you these violations and choosing a peacefully resolution if granted.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER, given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. After checking all three of my consumers reports with ( XXXX, XXXX and Equifax ) I have no knowledge of the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

First company charged me for services I didnt receive XXXX and nca company charging me of a loan I didnt get
Product: Credit reporting or other personal consumer reports

According to the law in 15 U.S.C 1681, consumer reporting agencies must adopt fair procedures for credit and info accuracy. But Equifax, you're not meeting my needs or being fair by reporting errors. 

Under 15 U.S.C 1681a ( d ), a consumer report covers any info from a reporting agency about a person 's credit worthiness. You can't claim to verify accounts unless you can prove it, as per 15 U.S.C 1681a ( e ), which defines an " investigative consumer report. '' There shouldn't be specific factual info about my credit record directly from a creditor, as the term " creditor '' means someone who regularly gives credit. This is a violation of 15 U.S.C 1692b ( 2 ) and 15 U.S.C 1692a ( 2 ). 

As per 15 U.S.C 1692c ( b ), communication shouldn't happen unless it involves the consumer, attorney, or a CRA if permitted by law. Only specific actions are allowed for refusal to pay a debt. 

Debt collectors aren't allowed to use any conduct that harasses, oppresses, or abuses a person in collecting a debt, as stated in 15 U.S.C 1692d. Threats or harming someone's reputation or property are also not allowed, as per 15 U.S.C 1692d ( 1 ). 

False representation about the debt or communicating false credit info is against the law, according to 15 U.S.C 1692e ( 2 ). Also, foreclosures, repossessions, wage garnishments, or arrests for debts are illegal under 15 U.S.C 1692e ( 4 ). 

If a dispute is made in writing, debt reporting must stop until the dispute is resolved, per 15 U.S.C 1692g ( b ).
Product: Debt collection

This collection company has violated a lot of serious laws. They have admitted that they did not have my correct address in the previous complaint which was an inaccuracy and per FCRA section 609 any inaccurate information must be deleted. They continued to violated FCRA, they have sent me my medical bills without showing VALIDATION instead they sent verification. They also sent my medical information through email unsecured and sending my health information which is a HIPAA violation. I have contacted my state attorney and they have advised me to work this out with the company before they step into legal action. I will give them another chance to delete their negative reporting and send it back to the original creditor because I have never gotten a notice to validate before they put this negative reporting on my credit and it is affecting me in getting credit. I will proceed with a Hipaa complaint through HHS if it is not resolved, the original creditor never got a signature to release my personal health information
Product: Credit card

Someone opened a chase credit card in my name. I am trying to cancel this card and close this fraudulent account but Chase is saying I am liable for the these charges because Ive been making payments from my chase checking account. I DO NOT have a chase checking account!! This is not me! Please help
Product: Mortgage

The Mortgage company wont grant us a deferrement. only a forebearance and now XXXX XXXX we owe 2 months of mortgage XXXX times 2. i told them we have coronavirus and we have not been working. they are saying we owe XXXX and XXXX. they gave us a forebearance from XXXX to XXXX to bring all payements current, my husband contracted XXXX brought it home and all XXXX family member are sick now and have to be retested. this is the worst i called and they are not listening to me i said we have not been working and due to the cares act can we get a deferrement for 2 payments they will not grant it. we have no money and was very sick i have alot of congestion and my XXXX year old grandson his XXXX year old mom we all got sick from my husband.
Product: Debt collection

Executed a lease with XXXX XXXX through email. Arrival date XXXX/XXXX/2013 see apartment for first time and document/record/film many housing violations. 2010 Maryland Code Public Safety Title 12-Building and Material CODES : Other SAFETY Provisions Subtitles 2- Statewide Building and housing Codes Section 12-203-Minimum Livability Code. Apartment did not meet minimum standards by law. Did not take/move into apartment, immediately informed XXXX XXXX. Found replacement housing XXXX/XXXX/2013. XXXX XXXX XXXX continued to charge my credit card for apartment. I disputed charges and XXXX XXXX Wide hired ResidentCollect Inc ( XXXX ) who called and harassed family for payment of {$1200.00} for rent of apt . not taken. The actions and statements of XXXX XXXX XXXX and ResidentCollect Inc destroyed credit and were used/cited as the reason for family member termination from job.
Product: Checking or savings account

From XX/XX/XXXX to currently I've had XXXX disputes XXXX but each dispute had XXXX to XXXX merchants from make a to XX/XX/XXXX. But rmmmmm says that I was never asked for any help or give it any money back for the money that was taken. Ever dispute that I made I never received a provisional credit but I was denied now that I have the information that proves I'm innocent they still want to. Issue me and put it right away. I still if you used to give me anything back. That would help me financially after but for me I know that I was. Innocent of using the money that somebody stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.
Product: Debt collection

Received two collection notices from TSI ( https : //tsico.com/ ) on behalf of XXXX for one of my companies. Called them to see what they are referring to since we're usually pretty current on our shipping bills. Was told it was for two shipments back in XXXX or so. Said I'd have to verify with XXXX to confirm they were unpaid. Had a pleasant conversation with someone there who, when I asked, advised me that yes, I can still pay them directly thru XXXX ( and therefore save the agency 's 14 % fee ). 

Went to the XXXX site, called them, paid the bills in full. TSI has been calling me about the so-called 'late charge '. The thing is the XXXX doesn't have a late charge. When I called they confirmed the bills were satisfied in full. 

TSI continues to call me and say they want their money. My response is always civil ; I speak with them and explain they're not entitled to a debt processing fee since they didn't process any payment. I've told them several times I am not ever going to pay. They continue to call and are belligerent when I respond that way. 

BTW 14 %!? Really? How is that legal? How can that be a fair percentage for sending a biull and processing? It's not as if they own the debt ; XXXX still was the debt carrier. 

I'm guessing this is happening to hundreds of individuals and firms as XXXX is a large company. I have even reached out to them to make note that perhaps TSI isn't the best collection arm to align themselves with.
Product: Payday loan, title loan, personal loan, or advance loan

I never took out a loanAccount name XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/year> Status Open. {$5.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$400.00} Balance updated XX/XX/year> Recent payment $ 20 Monthly payment {$25.00} Original balance {$600.00} Highest balance {$0.00} Terms 24 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due 30 days Payment history guide 30 days past due as of XX/XX/year>, XX/XX/year>, XX/XX/year> By XX/XX/year>, this account is scheduled to go to a positive status. 

Balance history XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XXXX 2024 Additional info The original amount of this account was {$600.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX, NY XXXX Services Tools Support Get the free XXXX app : Follow us : Contact Us
Product: Mortgage

I received a notice from Specialized Loan Servicing ( SLS ) stating that our payments were going up and we were short in escrow of the amount {$2000.00}. Our loan was transferred from XXXX XXXX XXXX XXXX   to their company in XX/XX/XXXX. Our payments with XXXX XXXX and SLS are current and up to date. So there should not be a shortage with our escrow account. Our bankruptcy was discharged early last year and we received a noticed that there was an escrow overage and we received a escrow refund check for {$2100.00}. We received a refund because XXXX XXXX was supposed to apply the pre-petition payment of {$2600.00} to the escrow account. I called XXXX XXXX on XX/XX/XXXX regarding the matter and the escrow representatives and customer service understood and verified that the pre-petition was not applied to the escrow account as stated. Please review all verified bankruptcy documents from my attorney. If the escrow was short as XXXX XXXX as stated they would not have discharged the bankruptcy as stated in the documents.
Product: Money transfer, virtual currency, or money service

I wanted to sell my furniture and posted an add online. One person agreed to buy and mailed a check of {$3700.00} to my address with some extra money. My bank ( XXXX XXXX  ) approved the check and cleared funds to my account. The person who sent the check asked me to transfer the extra money to a Zelle account. Now, XXXX XXXX  returned the check saying that the check was not legal. Now, I am not able to get my {$1700.00} which I have transferred via Zelle account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.
Product: Debt collection

On XX/XX/XXXX, a sheriff knock on my door and provide me with a Civil Summons to answer to a civil action brought against me by XXXX XXXX XXXX XXXX XXXX about a Credit card balance owned on a Paypal Credit/Synchrony Bank in the amount of {$2800.00} that was open back on March 2016 under my personal information including an old address from which I had moved out on August 2018 to which I did request a change of address at the USPS which they forward any mail that was sent to my previous address to my new address and I never receive any statement or notification from either company about a past due account that I had with then. I did try to explain to the representative from XXXXXXXX XXXX that My personal information including my social security number had been compromised and even though I didn't file a police report about it I did set up a credit monitor that will notify me of any change on my credit including new account, collection account, closed or open account or any other change pertaining to my credit and this account had never showed on my credit report one thing I don't play around is with my credit because I know how important it's is to have good credit and if I had known about this account I would have taken care of it just like I have been taking care of the accounts on my credit report. Looking at the report that was sent to me with the summons including a PayPal credit statement with the last number of that account and it doesn't match the last four numbers of the account that was provided to me by XXXX XXXX XXXX XXXX XXXX, I don't think is fair for a person that a bank just sale the information to a collection agency without notifying the individual or change account number without any notice sent out.
Product: Credit card

I called the phone number on the back of the card and spoke to a lady that ask verifying my identity which I gave her and she went through some questions about some purchases I made and i confirmed them. After that she said I was good to make other purchases. I tried the next day and the purchase was declined. The dates were XXXX and XX/XX/XXXX of XXXX .The amount of the purchase was {$3400.00}. our credit limit is {$10000.00}. When I called back the next day I was told they could not tell me because I was not the primary on the account so they could not tell me anything? In my opinion they do not know what they are doing and Synchrony want get involved in many retail companies and they are always making mistakes!! If you ask me what I want its just consumers to know about their incompetents and their lack of getting it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I'm extremely frustrated. My husband and I are trying to rate lock on our new house and Toyota Financial Services ' practices may impact our rate when my credit is pulled next week due to failure to timely credit my payment to my account and report payments made accurately to my bureau. ( I understand the distinction between crediting and posting payments - I am asking my payment to be credited. I understand it may take longer for my payment to post. ) Given the rapidly rising interest rate environment, we scrapped together money to pay off our truck to improve our debt-to-income ratio so we could qualify for a better rate on our 30 year mortgage rate lock. We paid on-time per the Toyota Financial Services system . Money has already been deducted from our bank. My account with Toyota Financial Services has cycled. It does not show that we've made any payment, nevermind having paid off the vehicle entirely. My current account status is " past due '' and showing an inflated minimum payment amount - a past due balance plus next month 's payment- which makes it look like I actually owe more than I do. ( Nevermind that I actually owe NOTHING. ) When I raised this with Toyota by phone, they indicated that even though I paid on time, they have not credited the payment to my account. Apparently they will credit the payment to my account via back-dating when the payment posts. In the meantime, my account has cycled- effectively making it look like I didn't pay on time. 

According to the representative that I spoke with, Toyota may take up to 10 days to credit my payment even though 1 ) it was made on-time, and 2 ) the funds have been deducted. Additionally, the representative indicated that the Toyota only updates bureaus once every 30 days ( this is standard - I get it ), that the next update will occur at the end of XXXX and that my credit report will not show up until approximately the end of the first or second week of XXXX. 

In the meantime, the information that was reported when my account cycled shows an inflated payment obligation ( which makes my debt-to-income look worse ), Toyota has my money , and my bureau reflects stale information. This has never been an issue before now - our payments have always been credited timely. 

I would like Toyota to 1 ) credit my payment to my account as of the date of receipt so my account does not indicate that I am past due ( even though posting/settlement may take them longer ), and 2 ) push an off-cycle update to my bureau showing that I made the payment on-time before my account cycled. I could care less how long it takes them to send me a payoff letter and the title, but they should be reporting payments made timely accurately, and my bureau should've been updated with this cycle- I shouldn't have to wait a full ~30 days for it to show correct information. 

It's frustrating that I'm having to submit this complaint to begin with. I've been a really good Toyota Financial customer over the years. 

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

fraudulent inquires to be removed XXXX INQUIRY XXXX ON XX/XX/XXXX, XXXX XXXX DATED ON XX/XX/XXXX, XXXX  XXXX IQNUIRY DATED ON XX/XX/XXXX, XXXX  XXXX INQUIRY DATED ON XX/XX/XXXX, XXXX  XXXX XXXX XXXX INQUIRY DATED ON XX/XX/XXXX, XXXX XXXX XXXX XXXX DATED ON XX/XX/XXXX, XXXX XXXX XXXX DATED ON XX/XX/XXXX, XXXX XXXX XXXX DATED XXXX XX/XX/XXXX, XXXX XXXX DATED ON XX/XX/XXXX, XXXX  XXXX XXXX DATED ON XX/XX/XXXX, XXXX XXXX DATED XXXX XX/XX/XXXX