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

I have tried time and time to get Toyota Motor Credit to remove late payments from my account from XX/XX/2022 and XX/XX/2022. I was out of work for a while due to having covid and being in hospital from XX/XX/XXXX til XXXX XXXX from covid. I am an XXXX XXXX and I got it from a patient trying to save their life and ended up with it myself fighting for my own life. I have paperwork and all from being in hospital and have offered to send it. They would not accept it. I have tried to contact CEO however the email is not correct and I seen on news at time once I was released that no late payment should be reported if you had covid which I did. I have not made any late payments since I returned to work and tried playing catch up from the months I was off. All other companies helped me get back on my feet and get the late payments for those 2 months off my report but Toyota Motor Credit which I feel is awful bc I was fighting for my life and now my credit has been punished due to these XXXX late feets.
Product: Credit card or prepaid card

I have been a customer of Bank Of America travel rewards card for 9 years. I had set-up an automatic payment every month of {$150.00} dollars. 

Today I found out through a letter that I have been short on the minimum payment for 4 months, since XX/XX/2022. I was never notified about this issue until I got the past due letter in the mail this weekend. I was charged {$39.00} dollars per month for the last 4 months. 

When I called the bank today I asked why they couldn't send me a letter or an alert notifying me about the payment that was short and why they waited me to be over 2 months past due to send a letter. They stated it was my responsibility to check my statements but I failed to do so. I asked again, why they took the step to send me a letter but couldn't notify me sooner. 

When I mentioned I wanted to pay the amount past due I asked if they could waive the 4 late fees when I actually did make a payment but it was short on the dollar amount. They said they would only try to waive the fee after my payment was processed. 

I felt very disrespected and they were extremely condescending. Then I decided to ask them to close my account and that I didn't want any more business with BOA. Then I asked for a payment plan or for them to lower my XXXX so I can pay my remaining balance accordingly, which is a little over {$5000.00}. They said there is nothing else they could do for me. 

Can someone help me getting these fees refunded? And set up a payment plan without these extremely high interest fees? 

I appreciate and thank you! 
XXXX XXXX XXXX accoun # with BOA : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   XXXX   is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating  the credit score cau sing the score to be lower by  XXXX  basis points. I have contacted  XXXX  regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year.  XXXX  corrected my credit reporting for all three credit bureaus and Transunion for my husband. When I contacted  XXXX  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's Transunion report back to the incorrect reporting and then started reporting his account under my son 's credit reporting  (  son is a  XXXX   ). W hen I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers ou r credit score   XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score to  be lower by  XXXX  basis points. We know this because when Transunion was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have been trying to get  XXXX  to fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and  XXXX  can lower my  credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status. Transunion lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.
Product: Debt collection

Portfolio Recovery keeps calling me but never leaves a message about why they are calling. They call from various numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, AMERICAN HONDA FINAN # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXXXXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, AMERICAN HONDA FINAN # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXX XXXX {$4500.00}, [ 2 ] XXXX  XXXX {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ] XXXX XXXX  XXXX  {$71.00}, [ 5 ] XXXX   XXXX {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX   XXXX XXXX {$140.00}, [ 8 ] US Dept of Education/XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ] XXXX  XXXX XXXX, [ 11 ] XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently XXXX approved me a XXXX XXXX and a few weeks ago I registered with experian and now I was exploring the expirian app and I saw that I have 2 hard inquiries that I do not recognize and they were not authorized by me XXXX XXXX XXXXXXXX XXXX XXXX  XXXX These hard queries do not belong to me, have not been authorized by me, and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan and was under the impression there would only be 1 inquiry produced from it. However, it produced many inquiries on different dates and times. These are the companies listed below : XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Mortgage Companies - XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXXXXXX XXXX XXXX XXXX Mortgage Companies - XXXXXXXX XXXX  XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I never missed a payment on this account. I contacted this company in XXXX and to them the vehicle was stolen. They did inform that payment had to made on account as it was. I made a payment after cut off the representative said to dispute the matter because the account was not documented that insurance was working on the matter for payment. Upon that call I made a payment and scheduled a payment for the XXXX of XXXX. I was contacted on the XXXX the payment wasnt received. Upon checking it showed the payment was taken out of my account. I called back on the XXXX of XXXX and was informed by two representatives that it wasnt reflected but to contact my insurance because the car would go into repossession. Again I informed the vehicle was stolen and reported. The vehicle was a total loss. I got a payment offer that day for the leasing office as I wanted to lease another vehicle with the company. I submitted proof of payments to the accounts department and still to no avail but they marked my account delinquent enough tho I have a payment receipt and a payment offer made that day to pay off the vehicle. They also informed they would not be refunding my payments made not the remaining balance that will be left after pay-off is made. They have not only ruined my credit but loss me as a customer due to the poor manner and which they handled this matter.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, my bank, XXXX, transferred from my savings account {$9600.00} to GreenSky. That is the full amount of my loan. Green Sky says they never received the money even though my bank has provided me - and thus them - the TR #, the transitioning number, and the trace number proving they were sent the money. I have talked numerous times with GreenSky on the phone explaining the situation. After three weeks I was finally given a Resolution team member to work on this. No results. Then I got her manager and she has not been returning my calls either.

Last week the resolution team member manager finally told that in early XXXX, GreenSky experienced an " internal banking error '' that resulted in payments across their company to not being properly credited. " All '' of their accounts are messed up. They can't seem to find a solution or know what exactly happened. Nor are they in any hurry to solve the problem and properly credit my account.

I was repeatedly told that it was my bank, BMO, that made the mistake and never sent the funds. Thus, I filed a CFPB complaint ( # XXXX ) against my bank when in fact I should have been filing this complaint against GreenSky last week. Since I now have transaction numbers, etc. to prove that XXXX sent the funds, it is GreenSky which has made the mistake, not been transparent about their " internal banking error '' of early XXXX, and has continued to deny the rightful resolution to this issue- the crediting of {$9600.00} to my loan.
Product: Debt collection

I had a credit card with XXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX   hired a law firm of Peroutka , Miller , Klima & Peters , P.A . to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm disabled and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!
Product: Checking or savings account

Subject : Formal Dispute of Inaccurate Information Under FCRA & USC Codes To Whom It May Concern, Hello my name is XXXX XXXX and XXXX writing to let the CFPB know of the violations that EWS are in by reporting the wrong address to banking institutions therefore denying me membership to those banks. 
I am writing to formally dispute the accuracy of information reported by Early Warning Services ( EWS ) in relation to my personal banking history, which appears to be associated with my ONLY address at XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to ensure that all information reported is accurate, verifiable, and complete.

Pursuant to 15 U.S.C. 1681i, I am requesting an immediate investigation into any records tied to my name and address that may be inaccurate, outdated, or unverified. If Early Warning Services can not substantiate the legitimacy of these records with proper documentation, they must be corrected or permanently deleted from my file.

Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to conduct a reasonable investigation when a consumer disputes the accuracy of an account. If any entity has reported false or misleading data to your system, I expect them to be held accountable under this statute. 
I also remind you of my rights under XXXX XXXX. XXXX, which prohibits false or misleading representations in consumer reporting. If any erroneous or unverifiable data is impacting my ability to maintain financial stability, it must be removed promptly. 
I am requesting : XXXX. A detailed report of all information associated with my address. 
XXXX. The removal or correction of any unverifiable or inaccurate records. 
XXXX. A written confirmation of your findings within the legally required timeframe, as specified under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 
Enclosed are copies of my identification and supporting documents for verification. Please provide a response in writing to confirm the results of your investigation. Failure to comply with federal laws regarding the accuracy and integrity of consumer reports XXXX result in further legal action. 
I appreciate your prompt attention to this matter and expect resolution within the timeframe required by law.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit reports the charge off dates and last activity dates are different with all 3 reports did not do an investigation to verify TransUnion last activity XXXX XXXX XXXX. Last activity XX/XX/2017 Equifax. Last activity XX/XX/2017 XXXX
Product: Payday loan, title loan, or personal loan

This company is a fraud and de fraud me I agreed to a 12 % apr on XXXX title loan and had my head ripped off with a GIANT 68 % rate I DID NOT agree to this I was told my rate would be 12 % then I look up Westlake it looks like you the cfpb have fined them XXXX XXXX dollars and my loan XXXX if you can call him that was indicated for fraud from the FBI My " Esigned '' loan documents show 68 % which are forged!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my service with XXXX a few years ago but they continued to charge me ( I had moved to a new apartment that included Internet ), and they refused to fix the issue. They then placed my account in collections. I've successfully disputed the debt several times, but it keeps getting re-added. Here 's the dispute history with Equifax : Confirmation # Status Dispute Date Completion Date Results xxx PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX  COMPLETED XX/XX/XXXX XX/XX/XXXX Expired XXXX  COMPLETED XX/XX/XXXX XX/XX/XXXX Expired I think I've disputed it with XXXX  as well but I don't think it's ever been re-added there.
Product: Mortgage

Mortgage of {>= $1,000,000} issued in XX/XX/XXXX. Missed XXXX payment in XX/XX/XXXX, due to personal financial issues ( divorce ). The XX/XX/XXXX payment was the last payment ever made. XXXX Foreclosure was filed, XX/XX/XXXX, I represented myself XXXX XXXX ( which obviously was a major mistake ) but I could not ever afford an attorney. I got the XXXX foreclose card Dismiss in XX/XX/XXXX. There was basically XXXX contact from XX/XX/XXXX to XX/XX/XXXX. Additionally it was XXXX serviced by Ocwen ( its my understanding they have been successfully sued by every State Attorney General ). Later the mortgage servicing was assigned to their Subsidiary PHH. I just was informed last week by an attorney I should have filed a motion for Violations of the Fair Debt Act, Statue of Limitations and it seems to be a Zombie Mortgage. Again, I could never afford an attorney. Foreclosure was filed again, in XX/XX/XXXX and Foreclosure Judgement wax issued in XXXX, just before Covid-19. They filed in XX/XX/XXXX, for Auction and I filed bankruptcy. 

From XXXX all the way until this day, I have submitted in writing multiple settlement opitions ( 4 times, offering the full original principal up to {>= $1,000,000} to reinstate and even to have the mortgage settled for XXXX XXXX 

PHH keeps playing games with the actual value which has went up and down over nearly 17-years. My house has very unique factors since it was built under old building codes, 75 % is at flood plain and insurability is an issue. Additionally, I had damage in XXXX Hurricanes, XXXX I paid cash to repair. XXXX I finally file an insurance claim with PHH forced place insurance and they denied the claim and I now have a law suit filed. The house is barely in habitable. They are playing games to get me out vs in good faith trying to settle.