23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TOYOTA MOTOR CREDIT CORPORATION has no legitimate claim I to my consumer property. They are not a party to the contract I signed with XXXX The Contract listed XXXX as the CREDITOR/SELLER. 

TOYOTA MOTOR CREDIT CORPORATION is not Holder in Due Course of my Consumer private property. I feel that TMCC has conspired against me along with XXXX. I was not given FULL DISCLOSURE and COSUMATION pursuant to Regulation Z of the Truth In Lending Act. 

I have sent out communication via certified mail to TMCC to resolve this matter privately, which they have disregarded, violating my Federally Protected Consumer Rights. 

TMCC has now placed a repossession order on my private consumer good. I am being intimidated by a repossession man and tow truck at the front of my home at which I had to call the police at around XXXX XXXX/XXXX/2017.
Product: Debt collection

Portfolio Recovery they do nothing but harass to try to collect a debit. They use different phones from all over the United States. When my bank wrote off this debit in XX/XX/XXXX all they had was my cellphone number. XX/XX/XXXX I changed my cellphone number. they then started to use my home phone number which is listed. For 6 years now Portfolio Recovery is doing nothing but to harass. I also believe that Portfolio Recovery is being manipulated by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX. ( XXXX ) XXXX. XXXX XXXX is an identity thief. She had gotten away with identity theft on the two credit cards that Portfolio Recovery is trying to collect for. She owns the XXXX car dealership XXXX XXXX that I worked for 20 years ago. XXXX XXXX is a harassment queen. For the last 4 years an investigator for the Iowa Attorney General has been working on a case against XXXX XXXX and XXXX XXXX. This phone number XXXX XXXX is from XXXX Iowa. In XX/XX/XXXX XXXX XXXX was using the indentity of a XXXX XXXX from XXXX Iowa and acting as a regional manager for Iowa XXXX XXXX. I turned her into XXXX in XX/XX/XXXX. On the XXXX website it just shows this number as suspected spam telemarking. This was the number that was put into my caller ID. I have call rejection on my landline phone and the call rejection and the last number called is a number from XXXX XXXX. That number comes back at XXXX as a XXXX XXXX. with complaints as Portfolio Recovery.
Product: Credit card or prepaid card

My social security number has been stolen and is circulating on the deep web. I have reached out to Discover and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX XXXX XXXX is now in the XXXX 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Product: Checking or savings account

XX/XX/XXXX Fraudulent unauthorized {$80.00} Cash App XXXX XXXX XXXX XXXX  purchase debited to my bank checking account .Bank notified and bank directed me to contact Cash App for full refund. Cash App contacted via email on numerous occasions Cash App representatives emailed back alleging to investigate to no avail. Online purchase listed as Cash App Square XXXX 
Similar case occurred in XX/XX/XXXX in XXXX, Texas where Cash App refunded {$2500.00} to a customer for fraudulent account withdrawals after customer reported incident to news media.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  routinely accepts a report of a missed payment on an account with a XXXX balance from Bank of America, XXXX  does not investigate the matter thoroughly. They continually accept a reported late payment from Bank of America on an account that was closed and written off years ago. A previous complaint filed with CFPB finally showed the balance on the account as XXXX  ( {$0.00} ), but XXXX  still accepts as accurate a late payment on that XXXX balance every month, thereby indicating habitual late payments on an account with a XXXX   balance. FURTHER, XXXX will not perrmit me to file a dispute, claiming the matter has already been investigated. Further, Bank of America first made this adverse report on XX/XX/XXXX. The seven year period has run and this account should be dropped from this report, but still appears on the XX/XX/XXXX credit report. XXXX  will not permit me to dispute this either, saying the information reported is accurate. MONTARY RELIEF should be awarded for failing to provide a method to dispute a subsequent, but incorrectly reported, late payment and for failing to exercise diligence in watching the seven year period.
Product: Credit card or prepaid card

On XX/XX/17 my husband and I went to our local bank of america in XXXX XXXX, Fl to open up a joint checking account. During our meeting with the representative, she asked us if we would like to apply for a credit card and we declined. We opened up our joint checking account and left. 

Today, I printed my credit report and I saw an unauthorized credit card opened up in my name on XX/XX/17 for the amount of {$500.00}. The card was closed the next day on XX/XX/17 but now I have a low limit credit card and inquiry on my report which is hurting my score!
Product: Mortgage

DiTech XXXX # XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX  insurance was dropped on a property that I own that lowered my monthly minimum payment to {$460.00}. 

Problem : After XXXX written inquiries and XXXX distinct phone calls, DiTech has failed to correct on time payments to my account. Starting in XXXX XXXX, overpayments made to my account has not been properly applied to the Principal Balance after several requests to do so. 

As document C1 indicates, payments to DiTech are sent on a consistent monthly rhythm via auto Bill Pay thru my personal checking account ( XXXX ) in the amount of {$600.00} since XXXX XXXX. 

Approximately {$600.00} was sent on XXXX XXXX, XXXX ( see document C1 ), in which an overpayment of {$130.00} was to be applied to the Principle amount as previously requested. 

XXXX - overpayment appears to have been applied correctly - no problem XXXX - overpayment was not applied but placed in " Fund in Suspense '' account ( see B1 ). Additionally, my DiTech XXXX ( see D1 ) account shows that my overpayment was classified as a Late Fees. However, my payment was sent and processed by DiTech prior to the XXXX of the month in which late fees are applied per the Terms and Conditions. Both my record from XXXX and DiTech XXXX both indicate that my payment was received and processed prior to the XXXX. Furthermore, if I was late, why would my late fee be EXACTLY the same amount as my OVERPAYMENT. 

XXXX - DiTech appears to correct misapplied overpayment from XXXX by applying it to XXXX Principle, however, they did not apply it to XXXX ( Retro ) as requested. Finally, DiTech DID NO applied the XXXX OVERPAYMENT to the Principle Balance which was received on XXXX XXXX. 


In conclusion, DiTech failure to accurately process on-time payments result in my account occurring undue interest expense due to overage not being applied timely and correctly. Furthermore, it appears that I have to call annually to request that all overpayments be applied to the Principal Balance of the loan. 


Please, retro applied my XXXX overpayment to XXXX and likewise for XXXX. Any further inaccuracies after my initial request will result and legal actions. 

Thanks, XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, at XXXX XXXX, I made a XXXX $ money transaction with a person name XXXX on the Cash App ( his profile is XXXX XXXX ). After we made the transaction, the seller blocked any of my contacts and declined my refund request. I have contacted XXXX to report such case but received an automated email about how they can not refund the completed transaction. I try to contact my bank while the transaction is still processing, but my bank said that they can only help me to open a dispute after the transaction is final. Is there any way that I can stop the process? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't know who to go to ; I have been trying to verify my Identity on I.D me for Vets.gov. But unfortunately they do n't have my updated address ; and i 'm honestly not sure what address they have for me. They go through Experian ; who when I tried to enter my stuff it said i have the wrong address. I had 1 address until XX/XX/XXXX; then it was in missourri. XXXXXX/XX/XXXXmy addresses have all been in Louisiana ; 2 on  XXXX XXXX, 2 in XXXX, LA, and my current address is in XXXX, LA. But I am going to the post office to forward everything to that address tomorrow. So it might not be on there yet. Because we just got it this week. I would really appreciate your help ; it 's holding me back from checking my claims through the VA. Thank you.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX late payment reporting Loan - XXXX
Product: Credit card or prepaid card

I opened a capital one quicksilver card which I received in the mail today, XX/XX/2023, however, I was unable to activate it or access my online account portal. I called into customer care with whom I advised that the phone number on my account needs to be updated to verify my identity ; the phone number on file is no longer mine. I applied using my current phone number, capital one refused to update my the phone number on the account. I attempted to work with two representatives who refused to fulfil this mundane task. In addition, they also made threats against my life. I had no issue but to request the account to be closed and communication from this fraudulent business to cease and desist as this harassment is highly unprofessional and I will not be attacked for requesting a simple change to my account. I would also like Capital One to remediate or compensate me for my credit report damage that was incurred from their fraud. Failure to respond to this request will result in legal action taken against " XXXX '' and every other tier 1 representative that I have spoke with today.
Product: Debt collection

This company is no GOOD!! This company is all about money and doesnt care about anybody elses well-being! Some of the reps are actually rude! 

I bought a XXXX XXXX XXXX  back on XXXX XXXX, 2020 and everything was going fine when I pay XXXX every month on-time for {$370.00} until Ive started having problems with XXXX XXXX and trying to setup a payment online. Last year when I got behind my payment no thanks to XXXX, XXXX calls me when Im on the clock at work. Im not gon na stop in the middle of what Im doing to talk to talk to them about a payment arrangement! Thats harassment! When they ask what my reason is for me not paying on-time, I tell them Im dealing with XXXX XXXX XXXX theyve been charging everybody to pay high energy bills. Im not lying! I also told two of the associates to please put that in their system so therefore they wont ask me the same question whenever I make a payment over the phone. When I wanted to make a payment with XXXX, XXXX XXXX turned the lights off at my house since I didnt pay enough and I was forced to pay more to get the power turned back on last year during the late fall and early winter time. This happened twice and it pushed me back even further. 

Now back on XX/XX/XXXX, I was making a payment with XXXX over the phone and this rude lady was asking me did the towing company get the car yet and I told her no. So then she wants to argue with me and was upsetting me even more since I was already having a bad day at that time. I told her we could go back and forth all day if we have to! Its also like theyre working against me rather than working with me. Its like they want most to all of my money to pay this debt off! They cant get what I dont have! At the same time, I have other bills to pay, food to buy, a mortgage to pay, things to get repaired in the house just as much as they do! Theyre not making things any better, theyre making things WORSE with late fees -- {$60.00}, then {$90.00}, and {$100.00}!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter to LexisNexis challenging the validity of an alleged Bankruptcy they have listed on my report. The Credit Bureaus are claiming the item was verified with LexisNexis. Additionally, I went to the Courthouse, and they stated they did not verify this information with LexisNexis. I requested whatever documents LexisNexis had to verify this alleged Bankruptcy immediately. When I received no response from LexisNexis I went to the Court and requested a letter confirming they did not verify the disputed item with LexisNexis. I received a letter from the Court dated XX/XX/21. I wrote LexisNexis again and attached a copy of the letter from the Court. At this point, today is XX/XX/21 and LexisNexis has failed to respond to my original letter dated XX/XX/21 or any of my subsequent communication dated XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. If LexisNexis can not reveal how they truly verified this item then it needs to be deleted per the FCRA. I've taken the appropriate steps to address this item and LexisNexis is ignoring my Consumer Rights as outlined in the FCRA.
Product: Debt collection

I was having installment payments withdrawn from my banking account by the original creditor ( XXXX, XXXX. ) concerning debt in question. 
XXXX, XXXX. has unethically, unfairly, and fruadulently reported unwarranted debt information to Northlands Group Inc. concerning my account.
Product: Credit card or prepaid card

I am writing to address a critical matter concerning the 30-day late payments that are being reported on my consumer credit report by JPMC. It has come to my attention that the inclusion of this information on my consumer report violates my right to privacy. According to the Fair Debt Collection Practices Act ( FDCPA ), transactions should not be included in a consumer report. However, stating that I am 30 days late implies a transaction, thus infringing upon my rights. Therefore, I demand the immediate removal of this inaccurate information from my consumer report. 
The reporting of 30-day late payments on my consumer credit report is not only inaccurate but also damaging to my reputation and creditworthiness. This misinformation has resulted in denials on credit applications and has created significant hurdles for me in securing credit on fair and accurate terms. It is imperative that this incorrect information is promptly removed to protect my privacy, reputation, and financial well-being. 
In accordance with the FDCPA, it is my right to request the removal of inaccurate and misleading information from my consumer report. I kindly request that you take immediate action to investigate this matter and rectify the reporting of 30-day late payments. Failure to comply with this request will leave me no choice but to pursue legal action to protect my rights and seek appropriate remedies. In such a case, I will seek actual damages caused by these inaccuracies and violations, and I will request the court to award punitive damages to address the harm caused to my financial well-being and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX the consumer have sent multiple dispute letter to Transunion stating the removal of all accounts attached to my credit file. Apparently the do no follow the Fair Credit Reporting Act because information put on my report that I never gave written consent for. At this stage in my life I am starting a family and they have me XXXX up, I would like to purchase a house but because of my credit report it is causing me great stress just to get help purchasing it. I recently sent the another notice as of XX/XX/21 via certified mail, including a bill of particulars in the amount of 54,000 $ for multiple violations that have occurred. The blatant disrespect to me as the consumer has given me no other choice but to file this complaint. they are not following the upholding Fair Credit Reporting Act at all. It is not fair to me and my family, this is the last step I take before going to court.
Product: Debt collection

I have four medical colloctions for XXXX Aargon Agency. Three bills was for XX/XX/XXXX and XX/XX/XXXX. I was on food stamps and was not working due to mental anf XXXX  XXXX pending decision by Social Security ; which finally got approval in XX/XX/XXXX. I also received another bill for a emergency room visit in XX/XX/XXXX. I was under XXXX at that time so it should have been paid. These are on my credit report and have a huge negative inpact on my score.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

Sent dispute letters 6 months ago. Nothing happened but a response from creditors to resolve balance or set up payment arrangements.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have been trying to become eligibile for the military benefit XXXX with Chase since XXXX XXXX! They are declining me because we do n't leave in a community property state, there are only XXXX. This is so disreseptful! 
Accordingly to the serviceman civil relief act, section102,  it is applied everywhere in the USA and is extended to spouses. I have sent copies for the XXXX and continue to be denied
Product: Mortgage

I am trying to get a lien release from CitiFinancial Corp. the lien was applied to my Property in Kansas with a loan for siding in XXXX. The loan was Paid in full in XXXX. The Lien is keeping us from the home improvements we need to make to our home. I began requesting the release of the lien on XXXX XXXX XXXX, XXXX through the Loan Company then by myself since XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to remove / lift freeze from my Experian consumer profile. There is an automated telephonic system that purports to conduct the transaction but then at the end relays that it is unable to complete the transaction without a significant amount of mail - in documentation. I attempted to complete this process several times in several ways using the website. I then attempted to contact a live representative via phone and each time, the automated system will not give you a path to a representative. It is unclear to consumers such as myself what the status is of my request. When completed online, it states that it was processed but then a screen comes up and says it was unable to process the transaction and appears to ask for information related to the request of a credit report. It is confusing and deceptive and makes me wonder whether paid users of Experian 's service have the same issue. I was never able to reach a live representative at Experian to resolve this matter or even express any concern ( despite considerable searching on the website for contact information and calling various numbers ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) do to inadequate customer service and unfair practices, which violate the consumer financial protection which violate the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations