23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am currently in the process of trying to purchase a condo in XXXX. In order to do that I need to get a loan ( FHA/Conventional ). In talking with a couple of different companies ( XXXX XXXX, XXXX, XXXX ) this month ( XXXX XXXX ) to get a loan, they informed me my credit score was just below the threshold to get the loan. While investigating my credit report, I noticed there was a charge for {$320.00} with XXXX XXXXNeither XXXX XXXX or XXXX would identify who they were. However while talking with XXXX XXXX, they informed me that XXXX XXXX is a 3rd party collection agency. They informed me of this XXXX. Upon informing of this I placed a call to XXXX to verify what the debt they were trying to collect was for. They informed me it was for a debt on behalf of Brandsmart. 

So I spefically called Brandsmart XXXX to find out what debt is owed and if so how. After speaking with two different locations, I was redirect to the customer service department. Customer service department referred me to Synchrony Bank who handles all of Brandsmart 's payment/billing/processing/etc. I asked the representative do you have any paperwork, bills, anything showing that I owe this.I informed him that I have n't had an active Brandsmart card in 5 years because bill had been paid off. Then they deactivated the card due to inactivity. The representative could not provided any information either and referred me to XXXX XXXX who has the account for collection ( whom I have also filed a claim against ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I filed a report with CFPB stating that the information on my Ford Motor Credit account was incorrect. Ford resolved the issue saying that no delinquencies should be shown on my account from XXXX through XXXX XXXX. However, in XXXX of XXXX a late payment of 30 days for the month of XXXX of XXXX was posted back to my account with Ford Motor Credit. This is all in case XXXX of mine with the CFPB
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am in the middle of escrow and my {$3000.00} earnest money is at stake. My lender received my outstanding credit reports from XXXX and XXXX but not from Equifax. I contacted Equifax several times since XX/XX/XXXXto have my report unlocked in which I have never taken action to lock it. They informed me that my SSN # is not under my name. I advised them that IRS, my employers, and 2 others Credit Bureaus have my correct SSN #. 
I faxed Equifax copies of my identities in XX/XX/XXXX and XX/XX/XXXX. I also sent my informations via express mail on XX/XX/. 
As of todayXX/XX/XXXX Equifax still can not pull up any record under my name. 
Now I am losing {$600.00} for appraisal and inspection fee and about to decide to cancel the escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous Complaint # XXXX It is very unfortunate that Toyota Financial Services ( TFS ) is in such disastrous shape. Per my previous complaint stated above, I made a payment on XX/XX/XXXX and TFS CASHED IT. I have the copy of the cashed check and TFS has the copy of the CASHED CHECK. And my bank account is proof of payment made and cashed. 

Now, TFS is claiming that the check was returned unpaid. That is NOT TRUE BECAUSE I HAD ENOUGH FUNDS TO MAKE THAT PAYMENT AND MY BANK ACCOUNT SHOWS THE FUNDS WERE CASHED BY TFS on XX/XX/XXXX, and there is SOMETHING CALLED PROOF OF PAYMENT - the CASHED CHECK with TFS endorsement. 

I am sick and tired of wasting my valuable time on this company engaged in unlawful business practices and consumer harassment. How was the payment returned unpaid if the money is not in my account and the check is CASHED BY TFS? THERE IS AFTER ALL PROOF OF PAYMENT. In their response to my CFPB complaint TFS provided a phone number to call, but alas, when I called that number, the same transfer game began again ; the right hand doesn't know what the left hand is doing. No one knows anything, and I was eventually transferred to XXXX XXXX. 

In order to put an end to this, I made yet another payment to XXXX XXXX, XXXX ( the collection agency TFS transferred my account to ). On XX/XX/XXXX, at XXXX I spoke to XXXX XXXX in XXXX XXXX XXXX and made yet another payment towards my XXXX account # XXXX of {$970.00} ( this is a DUPLICATE PAYMENT, please note that ). XXXX XXXX advised that he would notify TFS immediately and send me a letter in the mail within 15 days stating that the account is paid in full and closed satisfactorily. He also stated that XXXX did not report negative information on our credits but TFS did. 

Now, today, XX/XX/XXXX, I received a phone call from agitated co-signer of my TFS account # XXXX, XXXX XXXX XXXX who told me that once again TFS had reported a negative late charge in his otherwise spotless credit report. TFS did the same to me, once again. In their response TFS stated that if I didn't make a payment again within 10 days, they would report negative information with credit bureaus. I paid immediately, and here we go again. It hasn't been more than a day, and they reported it again ... 

This is TOTALLY UNACCEPTABLE. Toyota Financial Services is involved in UNFAIR BUSINESS PRACTICES AND is abusing its customers like me and my co-signer. 

They double charged me after all and still reported negative information. 
I demand a response immediately. I will not call them again because they are unaware of anything. 

I can not wait till my lease is over so I do not have to deal with this horrible business again. This is the last Toyota vehicle I am driving. I WILL NEVER LEASE OR PURCHASE TOYOTA AGAIN.
Product: Debt collection

On XX/XX/XXXX, I logged into XXXX and noticed Zion Debt Holdings, LLC placed a derogatory account as a joint account holder on my credit report which I disputed with XXXX This was the first time I heard of this company. On XX/XX/XXXX, I received a text from Zion stating I owed {$680.00}. I requested proof of the debt to be sent to my email address which I did not receive. On XX/XX/XXXX, XXXX verified the debt. I disputed the debt again on XX/XX/XXXX and was contacted by Zion via text again on XX/XX/XXXX and my reply received no response. On XX/XX/XXXX, I went to Zion Holdings website and sent in a contact form. On XX/XX/XXXX, a representative from Zion Holdings, XXXX XXXX, emailed me a contract signed by XXXX XXXX XXXX ( owner of XXXX XXXX XXXX ) and payment history for XXXX XXXX. I replied and explained that is was not my account, that neither my middle name nor my maiden name start with the letter D, and Ive never worked for XXXX XXXX XXXX. I asked what my next steps were and my email was ignored. Once I received these files, I again disputed this account with XXXX and uploaded the documents sent from Zion Holdings to verify that the account is not mine. There is nothing on the account with Zion Holdings that matches anything on my credit record ( phone number, email address , street address, or employment, and no relationship to the joint account holder ) that would link me to this account except for the fact that I have a similar name to this person who lives in the same town. XXXX is mailing the results of that dispute which I can only assume were verified as accurate once again because I was contacted via text by Zion Holdings again today, XX/XX/XXXX. 

This is not my account. I quick overview of my credit report can verify that. This is a shady business practice that is not only being allowed but being reinforced by XXXX. This is not my account and I want it off my record and I do not want to be contacted by this company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer EdFinancial is misreporting my student loan balances and continuing to charge interest during a government mandated forbearance period ; this is causing my credit score to be adversely effected as well as changing my loan balances to reflect inaccurate amounts of principal and interest. I have three student loans with the same services, and two are continually adding interest, and the servicer has been making collection calls to my home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MD XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD XXXXXXXX XXXX ( IDENTITY THEFT & FRAUD ) EQUIFAX VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THIS ( FRAUD ACCOUNT ), XXXXXXXX XXXX  XXXX XXXX. This account was already deleted multiple times, and my rights have been violated multiple times. Not only is the account Fraud, I never recieved the five day letter required by the FCRA to give me notice of the reinsertion of this fraud account that I've repeatly deleted and won by law. I am recent victim of identity theft. Please remove this fraudulent item for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX XXXX XXXX, and it need 's to be deleted/removed from my credit report. I'm demanding that this fraudulent account be removed the final time permantly never to return or I will be forced to sue in the court of law. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXXXXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX I received an advertisement from an attorney 's office notifying me that a lawsuit had been filed against me. I checked the justice court case search and confirmed that Clark County Collection Services was indeed suing me. I met with the attorney who sent the advertisement and he supplied me with the information for the prosecuting attorney, XXXX XXXX with XXXX XXXX XXXX. I called the office, and informed the lady who answered the phone that I had no knowledge of this debt, and that I had every intention of disputing the debt. I also informed them I was never notified of the debt or my rights to dispute whatsoever. The lady told me that the debt was now over {$1800.00} and that it would take longer to get the information to prove the debt than it would take for the lawsuit to proceed. The lady also told me that they don't have anything with a signature as this is a medical debt. I drafted an official dispute letter, but before I could send it on XX/XX/XXXX my roommate 's daughter was served the paperwork for the lawsuit. After reviewing the papers I found out the supposed visit was on XX/XX/XXXX, that it was only the Doctor 's staffing agency, not the hospital that the debt had originated from, the debt amount is just above {$1200.00}, and they are stating that I violated a written contract, but they stated they have nothing with a signature. At no point was any contact made to me regarding this debt by any party. It was stated when I called the lawyer 's office that the number I gave at the ER was not valid, that number was my number for 5 months after the supposed ER visit, and yet I was never reached out to in order to collect. I have also never moved so I am unaware of a reason why I was not mailed any notices. I want to make sure it is abundantly clear that no party, not the creditor, not the collection agency has ever initiated contact with me in regards to the debt, and I called the XXXX XXXX XXXX on XX/XX/XXXX.
Product: Mortgage

So, we continue down the XXXX XXXX with PHH Mortgage XXXX Early in the week of XX/XX/XXXX I received a letter from PHH Mortgage. I've attached it as XXXX. It references a " lender-placed insurance confirmation of cancelation '' and provides a " certificate number '' XXXX. I have no idea what this " certificate number '' means. I have no documentation with that number. The letter also maintains that I had a " lapse '' in coverage between XX/XX/XXXX and XX/XX/XXXX and that I will be charged {$910.00} if I can't provide proof of coverage for that time period. I've explained repeatedly that there was no " lapse. '' I simply was unaware that it was required. I've also explained repeatedly that I am unable to obtain retroactive policies. No normal consumer can. And I understand that I'll have to pay the {$910.00} as well as the retroactive policy the company purchased for the period XXXX for {$7400.00}. While it's true that, according to my closing documents with another company, I was required to have windstorm coverage, neither I nor PHH Mortgage caught the error. And they're assessing me the blame. Ok, there's nothing I can do about it. 
On Friday, XX/XX/XXXX I received yet another letter. It is dated XX/XX/XXXX. It is attached as XXXX. It states that PHH purchased a windstorm policy to cover the " lapse '' period of XXXX. But the policy clearly spans the time frame XXXX and costs {$7900.00}. The certificate number is the same as what was referenced in the first letter described above. Also interesting is the issue date on the policy is XX/XX/XXXX. I have clearly had windstorm coverage and have provided that information since XX/XX/XXXX. 
I have no idea what I'm expected to do. I have no confidence that PHH has any idea what they're doing. Is anyone going to be held accountable for this massive screw-up? I have my doubts.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021, I applied for a Small Business loan with Loanme for XXXX XXXX XXXX XXXX. This loan was used to pay off another Business loan. When I signed the contract on the XX/XX/2021, it was for a small business loan and the loan number was XXXX and the interest rate was 104 % on the small business loan I signed. The following day XXXXXXXX of XXXXXXXX, I received an amortization schedule with a higher interest rate of 115 % and it was listed as a personal loan with my name only not as a small business loan. The loan number was the same but described as " Application ID '' on the amortization schedule. I found out recently Loanme put this loan on my credit report as a personal loan with a different loan number. There are many discrepancies with what I signed and what was shown on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/year> and a balance of {$21000.00}. In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S.C. 1681a : Definitions and Rules of Construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments. in addition there are huge payment discrepancies between the 3 consumer reporting agencies. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate my consumer rights have been violated pursuant 1681. Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) states If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) Treatment of inaccurate or unverifiable information, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Target credit card with proceeds from a home equity line of credit. Twice Target rejected the payment. I used the same payment information for my other credit card companies and had no problem whatsoever. I had to move the funds to a checking account and pay them off from that. Target charged me {$29.00} for each payment and closed my account without giving proper notification which I am concerned will reflect negatively on my credit. There was {$60000.00} in the account where they repeatedly rejected the payment. There was no point in time where the funds were not there. 

I called their customer service and they acknowledged the problem, but refuse to fix it. Furthermore, since they erroneously closed my account I can not get access to my electronic statement. Every time I try to log in with my correct username and password, it insists on sending a secondary identification one-time password to my email, but the code repeatedly either shows up after the 15-minute expiration window or the passcode simply doesn't work. So now I do not even have appropriate access to my account information with which to provide you the dates of the payments and amounts. 

I have the following concerns : 1 ) Target negatively impacted my credit erroneously and categorically refused my rights to a credit dispute. They said they were willing to dispute the payment for the {$29.00} fee but would not even open a dispute for the credit reporting. 
2 ) Limiting my access to my account information with which to properly dispute the credit mistake is a further violation of my rights to properly file a dispute. 
3 ) When Target chose to close my account they did not provide appropriate notification of adverse action. 

How many other people are being denied their basic rights to a credit dispute? I would understand if they opened a dispute and we disagreed on the outcome, but Target categorically refused to even open a credit dispute. This seems to represent systemic problems complying with consumer credit protection laws. I'm a good customer with excellent credit and payment history. If this can happen to me I am concerned with how more vulnerable populations are being exploited. I would really appreciate the CFPB 's assistance in looking into this matter and fear the scope of this is more than a simple one-off. I really think this warrants a more broad review of policies, procedures, and front-line customer service training. I am concerned that their agents are operating without a basic understanding of the laws with which they are beholden.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer and the original creditor, I am exercising my specified remedy. XXXX, TRANSUNION, XXXX has violated the law. This position was filled by XXXX, TRANSUNION, XXXX. According to 15 USC 1692a ( 3 ), I am the consumer, and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report. XXXX, TRANSUNION, XXXX is failing to uphold their grave responsibility to ensure fairness, impartiality, and respect for the consumer 's privacy under 15 USC 1692c ( c ) ( 2 ). 
XXXX, TRANSUNION, XXXX violated 15 USC 1681e ( A ) ( B ) ( C ) ( D ) and is still violating the FCRA. According to XXXX XXXX XXXX, I am not in debt. XXXX, TRANSUNION, XXXX violated my right to privacy as a consumer in violation of 15 U.S.C. 1681b2. XXXX, TRANSUNION, XXXX has no authority to report ANYTHING based on the information I provided. ANYTHING that makes use of my information in accordance with 15 USC 1681A. The account in question are XXXX XXXX ( LATE PAYMENT ). My consumer rights have been violated, and I am seeking restitution. If XXXX, TRANSUNION, XXXX does an investigation or reinvestigation, I want to know the names, badge numbers, and addresses of the people they speak with in order to verify the late payments. I require a signed affidavit under penalty of perjury from anyone with first hand knowledge to whom XXXX, TRANSUNION, XXXX speaks with, assuming the late payments are validated. If I do not receive signed affidavits from everyone XXXX, TRANSUNION, XXXX contacts, I want all late payments removed from my credit profile as soon as possible. Please send everything to my registered address.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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.

This company 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 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. 

Account name & # : XXXX XXXX XXXX # XXXX ( account # ) 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 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.