23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Despite XXXX 's response to my Consumer Financial Protection Bureau ( CFPB ) complaint, I believe the verification provided is inadequate, and there are discrepancies in how this matter has been handled. 

According to XXXX, an initial collection notice was sent to me on XX/XX/XXXX, advising me of my right to dispute the debt within 30 days. However, I never received this notice or any prior correspondence regarding the debt. Without proper notification, I was denied the opportunity to dispute the charges within the required timeframe. Despite this, the debt was reported to XXXX and XXXX on XX/XX/XXXX, significantly impacting my credit. 

In response to my XX/XX/XXXX, CFPB complaint, XXXX placed the account in dispute status and provided a breakdown of the charges. These charges include service fees, late fees, equipment costs, and other miscellaneous charges totaling {$1700.00}. XXXX claims the debt validation provided by XXXX is legally sufficient, citing billing statements and account activity. However, I maintain that I never received adequate verification or correspondence about the owed debt prior to this process. 

Furthermore, XXXX  findings indicate discrepancies in XXXX 's promotional offerings and equipment return processes. XXXX alleges that I failed to return equipment and that a device promotion was dropped in XX/XX/XXXX. However, I was never notified of these issues, nor was I provided with clear documentation or an opportunity to resolve them. The lack of communication has left me unable to fully understand or verify the validity of these charges. 

On XX/XX/XXXX, XXXX responded to my complaint, stating that they have provided proper verification. However, this verification has been insufficient, as it does not address my concerns about the lack of notification, incomplete verification, and my inability to dispute the debt within the allotted 30-day period. 

I request that this matter be thoroughly reviewed and that all necessary steps be taken to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation F. Specifically, I ask for proper validation of the debt, removal of the disputed account from my credit report until the matter is resolved, and a review of XXXX and XXXX handling of this case to prevent further harm to my credit and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

BILLING DISCREPANCY BUT THEY CHARGED IT OFF WITHOUT NOTICE SO THIS ACCOUNT NEEDS TO BE REMOVED IF IT IS CHARGED OFF YOU CAN NOT STILL TRY TO COLLECT, PLEASE ISSUE XXXX AND REMOVE THIS INNACURATE DATA FROM MY REPORTS 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX XXXX XXXX XXXX XXXXXXXX, In ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX/2022XXXX, 2022 XXXX/2022XXXX, 2022 XXXX/2022NXXXX, 2022 Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency XXXX days past due None Reported Charge Off/Other Derog Balance {$53.00} {$53.00} {$53.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization XXXX % XXXX % XXXX %
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a very old student loan about 14-16 years old with XXXX. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with XXXX. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account. 

I have one account with them. Loan # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments. Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.
Product: Debt collection

I contacted Credit Corp Solutions Inc XXXX Tasman Credit Corp and they said I was responsible for an account that I have know knowledge of I explain to them my identification was stolen and the account dont belong to me they said I have to pay them any way because they have my information. I kept explaining to them it wasnt me who opened this account loan account. 

They want send me any information about the account. Im going off word of mouth. After they sent me a fraud affidavit form I wanted them to resolve the issue by deleting the account off my credit report but they denied my request. 

Because they trying to hold me responsible for the collection account.
Product: Debt collection

Southwest Recovery Services is reporting I owe them {$1100.00}, trying to collect. I never had an account with this company. I hired XXXX XXXX to help with this situation. A letter was sent to Southwest Recovery and the letter was returned to sender. I have tried to call and no response. This is very frustrating because my identity has been stolen several times in the last 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX TransUnion LLC XXXX XXXX   XXXX XXXX, PA XXXX  XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX  , I consolidated my student loans through loan servicer  XXXX   XXXX   XXXX  and the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded  my 10 year old loan as "  closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the same  10 year old stude nt loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped m y credit score   XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.
Product: Money transfer, virtual currency, or money service

This complaint relates to Paypal account " XXXX ''. The name on the account should be XXXX XXXX but is incorrectly listed as XXXX XXXX. 

I initiated a transfer of {$1400.00} from Paypal to my checking account. It completed XX/XX/2021 - my checking balance went up and my Paypal balance went down. See attached bank statement. 

On XX/XX/2021, Paypal took {$1400.00} out of my checking account and did NOT put the {$1400.00} in my Paypal account. They simply took the money. There was no valid reason for Paypal to move the money. I did not instruct them to take {$1400.00} from my checking account. I did not authorize them to take {$1400.00} from my checking account. Yet they did. They stole my {$1400.00}. It never reappeared in my checking account nor my Paypal account. 

Paypal is a NIGHTMARE to deal with. There is no phone number to call and they are unresponsive to messages sent to them through their system. I know from a complaint I filed with the Illinois Attorney General that they claim that they never actually received {$1400.00} from the bank on XX/XX/2021 ( or any subsequent date ). They claim that they asked the bank for {$1400.00} but the bank did not comply. 

Paypal 's claim that the bank did not comply is contrary to the information shown in my checking account statement. 

When Paypal claimed that the bank had not transmitted the {$1400.00} to Paypal, I complained to the bank. I have attached the bank 's response. They state that a transfer to Paypal did complete on XX/XX/2021 and they provide an ACH trace # of XXXX. 

Paypal is incompetent and should be shut down or CLOSELY regulated. They play fast and loose with facts and the rules. I have spent over four hours attempting to correct these idiots ' blunders. I am tired of it. 

Also, I have repeatedly attempted to correct the name on my paypal account. The account name on my non-business account is supposed to be XXXX XXXX. But due to a mixup with shipping address, it is XXXX XXXX. I have repeatedly ( at least 5 times ) requested name change and provided the following documents : Social Security Card, Driver 's License, Utility Bill. Yet the XXXX at Paypal have failed to correct the account name.
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/year> was not opened by me, its a result of Identy theft I have never done business or acquired their services. Ive already disputed several times with credit bureaus, submitted ftc reports, police reports, identification, and address verification. I last requested verification to prove I opened the account nothing was provided to this day.
Product: Debt collection

CBE Group, located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX, is in violation of the Fair Credit Reporting Act. CBE Group placed a negative collection account on my credit reports, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. The original creditor listed on the reports is  XXXX XXXX, a company that I also have no knowledge of, or received any goods or services from. The amount CBE Group is reporting shows {$89.00} original loan balance and {$90.00} current balance. My score has dropped over 60 points due this is company 's failure to perform their due diligence instead of just purchasing random 'alleged delinquent accounts '. This company needs to remove this  erroneous account that was added to my reports in XXXX 2020 since they failed to actually verify and confirm that I truly owe any company any funds.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the handling of two accounts on my credit report by Equifax ( XXXX XXXX XXXX and XXXX XXXX ). I recently disputed these accounts on my credit report with Equifax, and I was not satisfied with the results of the dispute. 

XXXX. Inaccurate Information on Credit Report : Despite submitting clear and sufficient evidence that the accounts in question contained errors, Equifax marked the accounts as " verified '' and did not address the inaccuracies I presented. The account still contains errors, and I have provided undeniable proof of these errors, but Equifax failed to make the necessary corrections. I request that these accounts be completely removed from my credit report as the information is inaccurate and has been wrongfully verified. 

XXXX. Failure to Respond to My Request for the Method of Verification : I sent a letter to Equifax on XX/XX/year>, requesting the method used to verify these two accounts. This letter was delivered, and I have the tracking number to prove it. However, Equifax has not responded to my request within the 15-day time frame outlined by the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they are legally obligated to respond within 15 days when a consumer requests information on how a dispute was verified. Their failure to comply with this legal requirement is a clear violation of my consumer rights. 

XXXX. Emotional Distress and Consumer Hardship : XXXX failure to investigate my dispute properly and their refusal to respond to my request for verification have caused significant emotional distress. I have been left in an unfair situation where I am unable to resolve issues on my credit report, which directly impacts my financial well-being and peace of mind. Their negligence in properly investigating the dispute has created unnecessary anxiety, uncertainty, and frustration. 

XXXX. Noncompliance with Legal Requirements : XXXX lack of response to my request for verification is a violation of my rights under the FCRA Section 611 ( a ) ( 7 ). This failure not only puts consumers at a disadvantage but also undermines the trust and integrity of the credit reporting system, making it harder for consumers to assert their rights and rectify mistakes in their credit reports.

Resolution Requested : I respectfully request that Equifax : - Immediately remove the disputed account from my credit report, as it is inaccurate and has not been verified properly and they failed to give method of verification within 15 days.

- Cease causing further emotional distress by complying with consumer protection laws and conducting a proper investigation of this matter.

Documentation Attached : - Copy of the delivery receipt with tracking number for my letter to Equifax ( sent XX/XX/year> ). 
- Proof of errors on the disputed accounts. 

I trust that the CFPB will investigate this matter and assist in resolving the ongoing issues with Equifax. I believe I am entitled to a fair resolution and look forward to seeing appropriate corrective actions taken. 

Thank you for your attention to this matter.
Product: Checking or savings account

My account was hacked by someone. The person cloned my ATM card and used it to withdraw {$400.00}. I reported it and Citibank gave me the money conditionally and did and investigation. They never looked at the ATM video but decided twice that they did n't believe it was fraud. I was 30 miles away at time but even while I provided a work time sheet stating that was in XXXX XXXX at the time the transaction was being made, they still did not believe me. They have taken my money but admitted that they did n't look at the ATM video, I even filed a police report and faxed it to Citibank. 

I had to file a third dispute and they have still left my account negative.
Product: Checking or savings account

On XX/XX/XXXX I filed a fraud claim with HSBC XXXX XXXX  for unauthorized charges on my debit card for some international charges from a merchant named XXXX in the amount of {$1900.00}. I spoke with the fraud department on XX/XX/XXXX and was told I would be issued a provisional credit within XXXX to XXXX hours. Days later I contacted the fraud department again and I was told that the credit was canceled and that they had reached out to the merchant and I had to wait until the merchant responded which can take up to 45 days. I asked why had the credit been canceled and agent could not give me an answer. Since then I have called several times to speak with a supervisor from the fraud department and I continue to get the same answer, which there is not one available and that I would get a call back from a supervisor. I have never received a call back! I have XXXX payments declined, and I have had to now switch direct deposit to another bank because this inconvenience. I was finally able to get in contact with an supervisor from the fraud department today, XX/XX/XXXX. The supervisors name was XXXX, and he told me that the credit was never issued on XX/XX/XXXX and that I had to wait for the merchant to respond. That is completely untrue because I have spoken to several agents which all showed in the notes that the credit was issued then pulled.
Product: Debt collection

I have called NATIONWIDE RECOVERY SERVICE several time to get the company to send out verification of this debt opened on XX/XX/2014 in the amount of {$170.00}. I spoke to several people and they refuse to send out any verification to me.
Product: Credit reporting or other personal consumer reports

to whom it may concern : I recently received a copy of my credit report I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't Believe the Information to be accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed you are reporting multiple late payments on my credit history. I don't believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and XXXX shows that I have a missed payment from my Wells Fargo Credit Card ending in XXXX which is inaccurate. I never missed a payment. Wells Fargo agreed to fix the problem but it has yet to be fixed with the credit reporting agencies. I am very upset. This has been going on for XXXX months.
Product: Debt collection

XXXX/XXXX/2016 Original Creditor : XXXX XXXX XXXX ( unit XXXX ). 
Pre Acct : XXXX Amount : {$3400.00} Dear XXXX XXXX I never received a move out report after vacating the apartment on XXXX/XXXX/2016. The total {$3400.00} is totally ludicrous. This amount is being turned over to collection in retaliation of me moving out prior to lease ending due to the way the staff XXXX XXXX and XXXX were or were not handling me and other tenants, and was informed they make the tenants feel, the way they did thing, like they were being embezzled and extorted especially with most of the tenant being immigrants and possibly undocumented by threats it is in the lease that most could n't understand the almost XXXX page document, intimidation and false claims and never returned calls. I asked to many question that they never gave me an answer so I started photo and video documenting issues, damages and possible health hazards in apartment as well as on property. XXXX XXXX were taking advantage of there employer trust for there own personal gain and pasted the personal gain on to the buddies the towing and landscapes service. 

If and eviction was file after XXXX/XXXX/2016, I had moved out and was in a different state working on XXXX/XXXX/2016, it was in total retaliation because I had already move out and they had full control on the unit. I am filing a complaint with the Federal Trade Commission in regard to this collection amount along with photos and video documentations, that is collection be stopped. 

To view photos and video visit link. XXXX. or check out apartments reviews for additional information. 

Sincerely XXXX and XXXX XXXX