23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My Name : XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Social Security Number : XXXX Toyota Motor Corporation Credit Company Account Number XXXX The late payment reported by Toyota Motor Credit Corporation on my credit reports are from 7 years ago in the year 2009. 

According to the Fair Credit Reporting Act ( FCRA ) U.S. Code Title 15 Chapter 41 Subchapter III 1681c ( Requirements relating to information contained in consumer reports ) this item must be removed from my credit report. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX U.S. Code XXXX ( c ) RUNNING OF REPORTING PERIOD ( XXXX ) IN GENERAL The 7-year period referred to in paragraphs ( XXXX ) and ( XXXX ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX I am requesting this item be removed to correct the information on my credit report.
Product: Vehicle loan or lease

I was told by the dealer my car had a lower interest rate and my payment was lower. Once I got the paperwork I had an astronomical interest rate and payment. I had to take it due to I needed a car I sent emails trying to get it lowered with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -ARS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I contacted Equifax to get a credit report and to freeze our account. When I tried to get to my account online, the web site would not accept my log on and locked my account. I called Equifax and the person told me to try again. I told her I tried several times and I tried to reset my password several times but the account stayed locked. She said the system was having problems and I should try later. I told her this has been going on for several days and she just said there was nothing she could do. I then asked her to freeze my account while Im on the phone and after several long waits, she said she needed to ask me questions to verify who I am. She asked me if I had a mortgage and who with whereas I answered correctly no. She again asked who with and I told her I did not have a mortgage. She then asked if I had any major loans and who with which I again correctly answered no. She again asked who with and I told her I had no loans or any mortgage. She said she was sorry and that if I could not answer those questions she could not help me. I asked to speak to her supervision who asked the same questions almost word for word. At this point I told them that I answered their questions correctly and what else did they need. The supervisor told me that I should get my credit report to see what it said whereas I told her that is what I was trying to do. She said she could not help me and that I should write in to Equifax to make the request. 
My wife, who was having the same problems with her account then got on line to freeze her account. She answered all the questions asked but the supervisor said she could not help her and she should write in as well. 
I had no problems with the other two Credit Agencies on freezing my accounts but Equifax, who created the security breach, was uncooperative.
Product: Debt collection

This company has tried to collect time-barred debt or debt that is not mine. I reported them once a few years ago and it stopped. They have started calling me again. They call from XXXX and tell me to call Mrs XXXX at XXXX x XXXX. They called on XX/XX/21 at XXXX XXXX, at XXXX XXXX. Called on XX/XX/21 at XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

I have t he Synchrony store card for Amazon th at offers 5 % statement credit on all purchases. I see the section of the statement where this credit is shown each month but as far as I can tell, the credit is n't actually being applied to my balance. For example, my latest statement shows : + 5 % Back {$12.00} + Bonus Statement Credits - Returns - {$0.00} Monthly Statement Credits {$11.00} But no  XXXX  credit is applied to my balance ... the only credit is for the return of an order in the amount of  XXXX .     I 'm not sure how far back this issue goes ... probably since the account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CARVANA add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit reporting agencies to report identity theft/fraud on XX/XX/2019. 
XXXX XXXX removed the fraudulent charges - deleted XXXX XXXX XXXX - deleted XXXX XXXX XXXX - deleted XXXX/XXXX XXXX {$8700.00} I have disputed this charge 2 times. XXXX  states the charges " remain '' XXXX  Credit Reporting has not investigated this. I have not been able to receive any information regarding " What the purchase was '' " Where was the purchase made '' etc I have the right to this information. 

** I have attempted to contact XXXX XXXX XXXX 10-12 times and have been completely unable to speak to anyone on the phone. I have mailed copies of my police report to all three credit reporting agencies and to XXXX XXXX XXXX. No response what so ever. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this dept with ( XXXX XXXX XXXX, or XXXX XXXX XXXX ), XX/XX/2021 Lp, I don't have a contract with XXXX XXXXXXXX service, they did not provide me with the original contract as requested
Product: Credit card

Capital One is refusing to provide me with my old/last account number. I have spent hours of the phone getting transferred to different departments within Capital One and they said they are not allow to provide that information to me. I need this full number to access XXXX XXXX 's system in order to find an old receipt for a purchase I made using this card. Since it was a secondary card ( it was under my name and social security number, but used by my husband with his name on it XXXX, it is not listed on the old account statements. Only my primary credit card number is listed on the statements.
Product: Checking or savings account

On XX/XX/XXXX I was contacted by a phone number that appeared on my caller ID as CHASE. There was a woman on the other end of the call that stated she was calling on behalf of Chase because there was fraudulent activity on my account and they wanted to verify if it was me. I told her no it was not me, and she informed me that in order for them to issue me a new card they would text me a verification code to verify my identity and once they got that code I would get a new card. I did not know by giving this person this code would grant them access to my account. Once the thieves got the code they conducted ( 30 ) {$100.00} withdrawals from my account which totaled {$3000.00}. Once I caught this I called Chase immediately and turned off my card, and locked all of my accounts down. I have been calling into Chase fraud department almost everyday and even went into the branch to give them a copy of my police report, then today I found out that they denied my claim and stated they felt it was me that did the transactions. When I called the fraud department they told me that due to the proximity to my home and that no other devices were registered to my account it had to be me. I told the agent that I had received an email from Chase the day this happened and it stated that my card had. been added to someone's XXXX so I was not sure how they were saying that the card was not connected to anyone else 's phone, when I had the email that stated otherwise. I also told them that no one ever even bothered to call me to see what happened so I was not sure how they could come to a conclusion about something with no facts. This person too {$100.00} out of my account 30 differenet times, back to back and that is not normal behavior. Had I needed that amount of money I would have went directly to the bank, which is not far from the location this happened at, actually about 3 blocks away. So why would I bypass Chase to go to a XXXX to withdraw cash and do it in small increments if it was actually me. That screams FRAUD. I am not even sure how Chase did not stop the withdrawal after the 3rd attempt to withdraw cash. I have told all of the Chase agents that I have not authorized any of these transactions, I would encourage them to look at any video footage from the camera or trace the IP address of the phone to see that it was in fact not me. I have been a. customer with Chase for almost 20 years and have never had anything like this happen to any of my accounts, this would require a simple common sense objective to analyze to see this is FRAUD. 

I have attached a copy of my bank account that shows all 30 transactions coming out of my account. I also have a police report that I am happy to provide privately.
Product: Debt collection

Diversified Consultants continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.
Product: Debt collection

My account went into collections. The debt collector is not allow to collect debt in the state of NC. I read that it is illegal
Product: Mortgage

Lima One keeps paying my insurance even though it has already been paid. The insurance company refuses payment and then the cycle starts all over again. I've explained this to them multiple times. Today, after going back and forth with their Portfolio Analyst, when I told them to not send the payment again because the insurance has already been paid and they need to credit my escrow, they stopped communicating with me. It's a simple process that they don't seem to understand. We've probably gone back and forth on this for over a month and I can't count how many emails and two phone calls.

I have two mortgages with them and this occurred on both mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two months I have requested that all 3 credit reporting agencies address and correct multiple errors on my credit report. However, once their investigation is complete they do n't fix nor remove anything but instead stare they have updated my account information with each debt collector I inquired about. Sixteen negative remarks are from the XXXX XXXX XXXX and XXXX ( both student loan lenders ). These two debt collectors have multiple listings of the same account number and loan. I found that one account is reported four separate times. The credit reporting agencies are maliciously and intentionally allowing the lenders to falsify my credit report. I know this to be true because each debt shows up repeatedly. Moreover, the creditors have multiple accounts listed as : each debt collectors name, account number, initial balance owed, listing date, and have N/A reported for current amount owed, monthly payment applied, etc. Also, the credit reporting agencies have inaccurate addresses listed, phone numbers, valid prior addresses have been deleted or removed and they also have two negative remarks that are medical debt. The medical collections are also counting against my credit report and score. Please advise
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.
Product: Credit reporting or other personal consumer reports

Inquiries that I do not recognize. I disputed with Equifax but it has not been removed as of today. Please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Calls and threatens jail time..want all calls and contact to stop. I do not owe this debt and if I don it was past the statute of limitations. They are now calling illegally.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of great concern pertaining to a recent hard inquiry that has surfaced on my credit report, ostensibly conducted by XXXX. Upon meticulous examination of my records, I feel compelled to dispute this inquiry due to what appears to be a lack of adequate validation and verification processes employed by XXXX. 

XXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it my concern, I recently received a copy of my Experian credit report, I noticed some late payments posted on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection any consume 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 Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREIT REPORTING ACT 15USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSION Except as provide in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681 of this title any- ( i ) report containing information solely as to transaction or experience between consumer and the person making the report Delete the above late payments accounts from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account & send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Deformation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC s1692g violation 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 6b civil liability for willful noncompliance [ 15 USC 1681n ]
Product: Credit card or prepaid card

Citi card gave each year reward on XXXX. 2021, did not receive any reward. I caaled and I send them latter and I answer them about why i keep their money. 
Citi card owe me more then {$1000.00}. when I ask where is my reward, they ignoring me. for 3 months. but they keep asking me your payment is du. 
I XXXX XXXX USED THE CARD. BY MY NAME IS ON THE VISA CARD. 
XXXX XXXX ask for his reward.
Product: Checking or savings account

In XXXX, I made deposits to cover items that were going to be submitted to my account. Despite these being transfers from the same bank or electronic deposits, Huntington Bank did not post this to my account despite reflecting it in my available balance. This led to my account returning items, and in one case, XXXX XXXX, being sent a notice that my account did not exist. These caused me fees of {$39.00}, {$39.00} and {$35.00} from XXXX, XXXX XXXX and XXXX first respectively. 

More importantly, a return item to XXXX XXXX has caused them to report my account as 30 days late since I was not aware of the return ( no notice from Huntington either ). I have never been late on any credit line and this mishap is causing my credit to drop with potentially creditors seeing me as a risk, which I am not. 

Similarly, yesterday, I made a payment to my Huntington bank credit card, only to receive a late payment notice from them. Ironically, this was a transfer between the same bank and made within posting times. 

These errors have caused me harm and I request a refund of fees plus a resolution of the credit reporting. An example of the current notice despite payment is attached. 

I request an urgent resolution to forestall further harm. Thank you
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has posted incorrect balances I want those updated and current period XXXX and XXXX XXXX are posted with the balance and the crediters have a balance of XXXX  and close I want transmission to update my credit report as it is very important for me!
Product: Checking or savings account

My case number with cash app is XXXX. On XX/XX/XXXX I loaded money onto my cash app that my father provided to me since Im away at XXXX. The money went onto the account no issues, later that day cash app started to glitch and I was unable to use cash app at all. They told us not to log out which I didnt. The next day I woke up and all {$5200.00} dollars was gone. Ive reached out for a resolution and no one is trying to help me. My money vanished because of their technical difficulties and no one is trying to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has 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 an account without my written instructions.