23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am contacting you to dispute a collection account recently placed on my credit report by National Credit Adjusters in the amount of {$1800.00}. This account should not have been placed on my report by National Credit Adjusters because a settlement agreement was reached with NCA, and they agreed that they would cease and desist with all further collection activities. They have violated this settlement agreement by attempting to collect this debt and I would like this account to be removed from my credit report. 

Also, this collection account just " appeared '' on my credit reports without any notification from NCA or XXXX XXXX, and I was given no opportunity to dispute this account prior to it being put on my credit reports. Also, this debt was reported to each credit bureau by NCA 3 different times in a 5-week period. I have included the settlement document with this correspondence.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX  is reporting late payments every single month on an account that has been closed. I have reason to believe this company has an intent to charge this account off of speedily. I noticed they notated XX/XX/2024 as " 90 days '' past due and the month XX/XX/2024 as 150 days past due. These behaviors are violations of the Fair Credit Reporting Act per 15 USC 1681s-2. Past due payments reflecting from " 60, 90, 150 '' days past due are not supposed to be reporting while an account is closed. XXXXXXXX XXXX is reporting this information as if the account is still open. This is both fraudulent and malicious. The account is closed but also does not report a " CLS '' notation in the payment summary that will correctly indicate the account being closed. It just continues to report late each month eventually leading into " charged off '' status. XXXX XXXX appears to be reporting an inaccurate account with actual knowledge of errors. I believe they're furnishing this inaccurate information to my consumer report intentionally. XXXXXXXX XXXX is reporting this information unfairly and illegally. Please see supporting documents attached to this complaint.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

XXXXXXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I began my loan with Toyota Financial Services in XXXX of XXXX. When I purchased a XXXX XXXX XXXX from the Toyota dealership, they told me they would defer my payment until XX/XX/XXXX. I made payments in XXXX and XXXX of XXXX, which should have led to my account being ahead by two payments from the promised due date. I have been continuing monthly payments since then. 

In XXXX and XXXX of XXXX, I had two payments returned to Toyota Financial Services ( TFS ) due to my bank account being compromised. After this, I began receiving collections calls from TFS due to late payments. Over the course of several calls with multiple TFS representatives from XX/XX/XXXX to XX/XX/XXXX, I tried repeatedly to explain that my account was actually current after the two returned payments. TFS employees admitted that they saw the initial due date of XX/XX/XXXX, but could only provide a payment history which showed the incorrect initial due date of XX/XX/XXXX. 

After a multitude of calls and discussion with TFS representatives, on XX/XX/XXXX, a TFS Representative named XXXX ( Agent ID XXXX ) informed me that their resolutions department identified the discrepancy and corrected my account to current with the next normal monthly payment due XX/XX/XXXX. This is displayed in the attached screenshot of my Toyota App showing the amount due on XX/XX/XXXX. After verifying that TFS had corrected my account, I assumed this was resolved. When I logged back in to the app to make my payment on XX/XX/XXXX, my account had once again been updated to show me owing {$4300.00} due by XX/XX/XXXX. Nobody from TFS contacted me between XX/XX/XXXX and XX/XX/XXXX to inform me that the account information had been changed. 

After unsuccessfully trying to communicate over the phone with TFS about the discrepancy being reinstated, I began a complaint through the XXXX XXXX XXXX. TFS continued providing the incorrect payment history showing my initial due date of XX/XX/XXXX. I responded to explain the issue to them once again, but before they responded XXXX ordered my vehicle to be repossessed. My vehicle was repossessed on XX/XX/XXXX. 

Toyota Financial Services has misrepresented the amount owed and my due date the entire time I've had my loan active. Their representative updated my account after we came to an agreement about the discrepancy, and it was once again updated incorrectly without my knowledge. After my vehicle was repossessed, I spoke to three different TFS representatives who all accepted that my initial payment was due XX/XX/XXXX. I have these calls recorded. TFS refuses to accept that the payment history that they provided me is incorrect due to the initial due date. TFS engaged in a deceptive due date and amount owed change without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX BalancXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; PXXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have 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 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: Debt collection

Aarogon agency is trying to collect a debt for a patient for XXXX XXXX XXXX in XXXX, TX. I was not there on the date of service and did not sign anything. They are sending me the bill with the patients mothers middle name with my first and last name. Date of service is XXXX and balance is {$7300.00}. I disputed this stating it was not my debt nor was I there or signed anything and they just sent me an itemized bill saying it was my debt. Also they listed this on my credit report which now states an alias for me is The patients mothers middle name.
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am kindly requesting that XXXX  XXXX XXXX XXXX to provide me, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payment on the date specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payment from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the account to positive.
Product: Credit card

I have a Best Buy credit card that I only use for large purchases at Best Buy which I typically pay using auto-pay. Recently, I checked my account online to pay the remaining balance and noticed that the balance didn't align with the payments I had made and found out that I was being charged a monthly fee for an Enhanced Debt Protection plan that I was not aware of and didn't sign up for. I called their customer service and they told me I had agreed to it in XXXX when I got the credit card but the sales representative who encouraged me to get the card never mentioned that when I got the credit card at the store which is a very deceiving practice - they need to provide all the information in order for me to make a decision. I started being charged a fee of around {$50.00} each month starting XX/XX/XXXX when I made a large purchase at Best Buy. Once again, no one at the store informed me that by making the purchase I was going to be subject to a Enhanced Debt Protection fee. This is a deceiving practice from Best Buy and I feel taken advantage of. I read online that many other people have encountered the same problem. They charged me about {$1100.00} in fees since then for a service I don't need and I would have never purchased or agreed to pay for as I have other XXXX and protection services through my employer. I contacted their customer service twice and asked for a refund given that I was never asked if I wanted this service but they let me know they will not refund the money and that their decision is final.
Product: Debt collection

My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open XXXX from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the account in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
ACCOUNTS : XXXX XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I disputed transactions that werent made by me and the companies refused to make an effort to resolve them saying that there wasnt anything that they could do to fix the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXs hired by the three major credit bureaus Transunion XXXX  and XXXX. My credit profile should mimic all accounts with all three credit bureaus. All my accounts are the same, current and all should be updated. XXXX XXXX continually refused to update both Transunion and XXXX  thus keeping my score at a low status monthly continuously For example Transunion XXXX is update but XXXX  XXXX  is not and its the same account. ARE THE CREDITOR AWARE OF THE FRAUDULENT REPORTING MONTHLY. CREDITORS CREDIT REPORT AGENCIES LIKE XXXX XXXX MUST BE ACCOUNTABLE. This practice appears to be designed to keep my score from improving. It's discriminatory and disparate treatment to update is wrong and frankly illegal and XXXX XXXX must stiop this action and be accountable. My XXXX XXXX  and XXXX XXXX account is the same it should not be treated with a different status because the two companies are different. Both have a positive and current status and should be updated positive. XXXX  XXXX  promting a lie they do not act on good intentions at least for me because this is evert month. This updating one credit bureau and holding back another is unfair. If the same accounts got like XXXX  got 14 points on Transunion then the XXXX  XXXX same account should have 14 points. XXXX XXXX representative every credit bureaus is different and that's why they don't get the same points but it's the same e account. The practice is fraudulently designed to not increase my score because this has been going on for years. As a person of XXXX  this practice will hender and tarnish chances of getting ahead financially because XXXX XXXX is saying my XXXX  or XXXX XXXX on one uses is good but not on the other when both are on the same credit bureaus ie Transunion and XXXX. I THIS IS MY 3RD ATTEMPT WITH XXXX  XXXX  TO CORRECT MY REPORTING. This complaint is the last attempt to remedy this illegal practice. I will seek legal counsel if this is not corrected.
Product: Debt collection

I want this collection deleted from my consumer report due to all the violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the unauthorized inquiries for your reference. Please notify me of the outcome of your investigation and any actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$760.00}.
Product: Mortgage

I have been trying to understand why this company has not applied over {$4000.00} that i have paid onto my mortgage which is still stating I am behind for almost a year. I have bank statements from XXXX that shows payment every month since XXXX  when i purchased. I was put into a forbearance without my approval. Every time i call I have been told they can not tell me what is going on. They will not allow me to speak to upper management. The mitigation department has told me i do not have to pay XXXX payment but i have to pay {$500.00} which is not true. I called my lawyers and they directed me to file a complaint against US Bank mortgage. They have my account so disturbing and confusing and no one is trying to address the issue. I had a representative tell me out of frustration on her behalf that their systems are talking to one another. I refused to pay any further mortgages until this mess is straighten out. Every department tells me something different and i have no idea what is going on. My attorney has sent authorization for them to speak with me and still no assistance is given. This bank has me very XXXX. It appears that maybe fraudulent is occurring. Please Assist!!!!
Product: Credit reporting or other personal consumer reports

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting on Equifax twice as a collection on Equifax. XXXX XXXX sold and shared my information without my permission to XXXX XXXX XXXX ( a ) XXXX with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX  and before XXXX XXXX XXXX, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Product: Checking or savings account

XXXX XX/XX/XXXX I first opened a business account with PNC in XXXX. My business is a typical retail brick and mortar store. In XXXX, I also moved my merchant account to PNC. In XXXX of XXXX, I received notice that PNC would close my business checking account due to high-risk activity. As a small part of the business, I had been doing a small amount of money transfer services since XXXX. Never was I told that this was not allowed or that it would cause any problem with my business account. But rather than giving me a chance to remedy the problem, PNC unilaterally closed my account. As of XXXX of XXXX, I stopped offering money transfer services at my business. At that time, I was concerned about the merchant account, which is a separate account with PNC that allows us to accept credit cards as payment, so I called specifically to ask about this. I asked if this would affect my merchant account. I was told that it would not, and that I could keep the merchant account. I would only have to change the bank that accepts the deposits. So I did just that. Six months later, PNC closed my merchant account, WITHOUT NOTICE OR WARNING! This cost me several thousand dollars in potential sales, plus about {$800.00} to set up a new service with short notice. Furthermore, they refused to process {$230.00} worth of sales with had gone through before I was cut off. 

When I inquired as to why the account was closed, I was told that PNC requested that it be closed ( apparently because they had closed the other account six months earlier ). No real reason was given, and I had never used the merchant account for activities related to money transfer services, nor had I ever had a charge back or other violation of the terms of the contract. 

The contract I signed is three year agreement. After checking it, I found nothing that allows PNC to close my account just because PNC had closed an unrelated account several months prior. 

In my view this is breach of contract. Their blatant disregard for customers nearly put me out of business after eight years of hard work and sacrifice. Words can not express how deeply offended I am and their underhanded and unethical business practices. They do no deserve to be in business at all. If I treated my customers like that, I would not have any customers. 

I believe PNC should compensate me for their indiscretion, as well as compensate me for lost sales, the charges that were not processed, and the cost of setting up a new services. I seek {$15000.00} in damages. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I submitted CFPB complaint number XXXX, in which I explain that CashApp will not let me access the funds in my CashApp account $ XXXX. CashApp replied, indicating that if I opened a second CashApp account and contacted CashApp support, that CashApp would then let me access my funds. Because CashApp replied, CFPB closed my complaint. I opened a second CashApp account $ XXXX and contacted support asking CashApp to allow me to access my funds. CashApp again refused to allow me to access my funds. Thus, I am opening another complaint.

Please do not close the complaint simply because Block responds to the complaint. Please close the complaint only after the matter has been resolved.