23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX XXXX I vacated my apartment at XXXX XXXX XXXX XXXX  called XXXX XXXX XXXX  A month prior I had found a safer and better set of apartments down the road from XXXX XXXX XXXX XXXX XXXX XXXX that I was moving in on XX/XX/XXXX. Me and the apartment manager went to my apartment and took the pics that I have attached to my documents with the timestamps at the bottom of the pics showing the date and time I took them. The manager told me that she was gon na keep {$50.00} out of my deposit to shampoo the carpet and I said ok. I didn't tell where I was moving because I knew she hated XXXX XXXX XXXX cause some people leave XXXX XXXX and move to XXXX XXXX. The manager at XXXX XXXX told me not to use this as my forwarding address because she will be very mad if she found out I moved here. The apartment manager for XXXX XXXX called me a week later and asked for my forwarding address so she can mail the rest of my deposit and I gave her my new address at the new set of apartments I moved to and she was MAD. The secretary at the time called and told me the manager left the office screaming and went back to my apartment that I vacated and made up a bunch of stuff that I did to my apartment just to get back at me for moving to XXXX XXXX. The collection agency CBS Collection ( That reported the debt to the bureau ) says I owe {$2300.00}. I tried to resolve this issue with the debt collector CBS, XXXX XXXX XXXX and the company that owns XXXX XXXX which is XXXX XXXX XXXX. XXXX says its my debt and has done nothing and the original creditor says they have no information and that everything is in the hands of the collection agency. This debt in collections just popped up on my credit report 4 years later on XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I supplied a personal services to a person who used her debt card to pay for {$800.00} for an service agreement for room and boarding service in which I accepted her payment through " PayPal Here '' card reader for point of sale use ; the payment was accepted by PayPal Here at this time I believed all the funds were available for use at anytime. 

However, it wasn't until XX/XX/XXXX I received a notice regarding a 30 days hold was place on {$300.00} for the following reasons : ( 1 ) because the account was new ; ( 2 ) or because the company reserve the right to hold a portion of the funds for the first time which was been sent by PayPal to my email and after complaining to PayPal the email has been deleted from my received account. 

On XX/XX/XXXX at : XXXX at XXXX and spoke with XXXX ID # XXXX requesting PayPal to release the hold on funds, it was imperative to pay other bills and avoid 30 day lates attempting to plea with him to make an executive decision to remove the hold ; Here 's were I got the run-around with " the back office '' refused to release the hold and when I ask for the name of the back of person who he spoke too? and I was then told that " he could give out that information '' and he would not be able to release the hold on {$300.00} as requested. 

In addition to funds being placed on hold in which did not consent ; sign any agreement in XXXX when I open the account I did not consent to this form of usury. I did not select to have funds placed in a restricted account. 

Finally, I informed the agents of these facts and the recent changes and updated to place funds on hold did not apply to me ; and again requested the agents at PayPal to release the fund requested to speak with his supervisor who also refused to release the hold on the account and the call was mystically disconnected.
Product: Debt collection

Also, I did dispite this I have no contract with them and they will not send a written repayment aggreement. This need to be removed from my credit since I can not repay them If they will not do it in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I sent a complaint to the company Transunion via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. 
The company responded on XX/XX/XXXX that they will review all info. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Transunion is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce.
Product: Prepaid card

I have a prepaid account with the Netspend prepaid XXXX by the XXXX XXXX, where I have received my school refunds through direct deposit for the past XXXX semesters ( last deposit being XX/XX/2017 ), as well as other deposits. Last week on the XX/XX/2017 I found out that there was a fraudulent transaction on my card and worked to resolve that. my Card was however canceled and so I Have no way of accessing my money in the amount of {$3800.00}. I have also suspected some fraudulent transactions on the same account in the past XXXX months, but efforts to tract this are been frustrated by the customer service representatives through the following phone # XXXX, of which I have spoken to a dozen of them already including today XX/XX/2017, and have spoken with XXXX representatives who pretend to transfer me to a supervisor, and dropped the phone on me. Obviously they are not willing to resolve this issues and I need your office to intervene urgently.
Product: Credit reporting or other personal consumer reports

To my surprise, this afternoon I discovered accounts on my credit report that dont belong there, and I cant understand why. I regularly monitor my report, and this is the first time Ive ever seen something like this. I even tried refreshing my browser, thinking it might be an error, but the inaccuracies didnt go away. Because of this, Im asking for a complete review of the documents I provided, so I can stop worrying about this ever happening again.
Product: Money transfer, virtual currency, or money service

I found out about the recent CFPD lawsuit regarding the issues with Zelle 's platform. I have reached out to Zelle but they haven't been helpful. I'm now concerned.
Product: Mortgage

I had a remodification completed, during a time that my loan was being moved from XXXX XXXX XXXX to Specialized Loans, my credit report shows I had not paid my mortgage XX/XX/XXXX to XX/XX/XXXX, if that was the case I would not have my home. This incorrect reporting is damaging my credit severely. When in the process of the remodification you are asked NOT to make payments. And then you have a trial period of payments before the process can be completed, this should not be a negative on my credit score or followed the process.
Product: Debt collection

I have been working with GM Financial over the tax bill for my leased ( now purchased XXXX vehicle for taxes incurred in XXXX. I did not receive any notification or paper work in regards to this bill from GM Financial and all of a sudden had debt collectors calling my phone. I responded immediately and spoke with representatives on XX/XX/XXXX and they promised to send the requested paperwork along with all tax forms dating back from the start of the lease. To date I have not received the promised paperwork and received another call from the debt collection agency today. I promptly returned there call and advised I still have not received the required paperwork of proof to pay this bill. I was advised they may not be able to now send me the paperwork and was also unwilling to keep the account on hold even though they could not fulfill there obligation. Due to there negligence and uncooperative nature I will be subjected to my credit being affected. This is an immoral injustice and as a tax paying citizen I have a right to see every tax related bill I have paid and will pay. Please help, thank you.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX  XXXX {$3800.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX  XXXX XXXX {$880.00} These credit accounts are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My student loans were transferred from to XXXX to XXXX in XXXX. XXXX and XXXX are both reporting the same student loans.The balance with XXXX should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and XXXX. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with XXXX should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my XXXX XXXX.
Product: Debt collection

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX of XXXX I received a letter from Bank of America dated on XXXX XXXX, with reference number XXXX, asking me to call at XXXX XXXX XXXX to verify that I submitted a credit card application. 
They explained to me that the Credit Card Application includes my personal information which they used to run a credit report. I noticed that the letter is not Signed for any customer service Representative. However, I called and the person on the phone asked me for my SSN and DOB that I denied to her. I just explained to her that I never applied for a credit card to Bank of America. 
Later I went to check my XXXX credit report and I found out that I had a Hard Inquire on my record. I just want this hard inquire to be removed from my record, because this situation affects any transaction I need to do later about refinance or credit needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My loan with XXXX  is incorrectly showing status and all my payment information is not there. As per new credit report, it is showing the last payment was XX/XX/XXXX ( XX/XX/XXXX ), when I am paying every month and it not showing that. Also, it is not reporting any of my trial payment that I made before. It is also incorrectly showing 120 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & prior months. 
I have sent letter to this company with " goodwill deletion request '' and so far has not been granted. Prior XX/XX/XXXX, I was not responsible for these payments due to Divorce settlement and I even presented that stipulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lease company ( XXXX XXXX out of XXXX Indiana ) withheld my truck at the repair shop and sold it to a different person and never let me repair it. The truck ( XXXX XXXX XXXX  ) make and model was breaking down every single day eating into my savings and even had me on negative account balance. 
I tried talking to them but they declined and now they have me on collection without showing what their resell value was and how much I owe them genuinely.
Product: Credit reporting or other personal consumer reports

I'm requesting a deletion for the following charged off account listed below. XXXX XXXX XXXX XXXX  After checking my most recent report the updated information stated the account was purchased by XXXX XXXX XXXX XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am reaching out to address alarming inconsistencies in the reporting of a XXXX XXXX account, as noted on both XXXX and XXXX. After a meticulous examination of credit reports, it has come to my attention that several irregularities suggest potential violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX on XXXX : XXXX indicates a charge-off on the XXXX XXXX account, yet fails to specify the delinquency or charge-off date. As per Section 623 ( a ) ( XXXX ) of the FCRA, creditors are obligated to report such dates to provide consumers with a transparent understanding of their account status. It is imperative to highlight that this account is fraudulent, not in ownership, and should not be reflected on my credit report. 

Collection Reporting on Experian.com : Experian.com reports the same XXXX XXXX account as being in collection, lacking detailed information, which contravenes Section 623 ( a ) ( 1 ) ( A ) of the FCRA. This section emphasizes the necessity for credit reporting agencies to furnish accurate and complete information regarding any collections. Please note that this account is not one in ownership, and it is fraudulent, making its inclusion on a credit report inappropriate. 

Failure to Report Monthly Updates : Both XXXX  and XXXX  have failed to reflect monthly updates on the XXXX XXXX account. Section 623 ( a ) ( 2 ) of the FCRA mandates creditors to report accurate and up-to-date information. This lapse in monthly updates hinders the ability to promptly address discrepancies, and I stress that this account, not in ownership, is fraudulent.

Missing 30, 60, and 90-Day Past Due Reporting : There is a conspicuous absence of 30, 60, and 90-day past due reporting on both credit reports, violating Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires creditors to accurately report the delinquency status, including the presence of 30, 60, and 90-day past due notations. Please be aware that this account is fraudulent, not in ownership, and must be expeditiously removed from a credit report. 

Omissions of Account Reporting on Experian.com : Furthermore, I noted that the XXXX XXXX account did not report in XX/XX/XXXX and XX/XX/XXXX on XXXX, despite being reported as " OK '' ( positive ) on XXXX during the same periods. Such inconsistencies go against the FCRA 's requirement for consistent and accurate monthly reporting. I want to emphasize again that this account is fraudulent, not in ownership, and must be removed promptly.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed have reporting errors, with inaccurate amounts and dates.
Product: Checking or savings account

Our corporate checking account, which has been set up on auto-pay for several years, started being rejected in XXXX of XXXX. After several months of our vendor blaming our bank, they finally told me last week that Telecheck is declining our checks and advised me to call them to find out why. I called Telecheck on XX/XX/XXXX and was told that : our " checks '' were declined because they had not handled checks from us before ; then when I listed dates that they had been accepted, our checks were declined because they were a different amount than before and did not fall within the guidelines set by Telecheck. The representative then assured me that she had " fixed '' whatever their information is for us so that our payments would stop being declined. On XX/XX/XXXX, we had another payment declined. Today, on XX/XX/XXXX, when I called Telecheck again another representative told me that it was probably because it hadn't been 72 hours so I should try again today ; and our payment was rejected again. The vendor that we are trying to pay is charging us {$30.00} every time our echecks are declined. Furthermore, the last representative that I spoke with from Telecheck transferred me to a debt collection company when I asked to speak to someone who could actually fix whatever the issue is. At this point we have had payments accepted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then declined XX/XX/XXXX, accepted XX/XX/XXXX and XX/XX/XXXX, then declined XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting

I received a letter in the mail that i was declined for a credit card from XXXX, however i never applied for a credit card from XXXX. i contacted XXXX and they advised me that someone had submitted a credit card application in my name and that i should contact Experian to get my credit report from them to look for other credit inquiries. I submitted a request for my credit report from Experian and noticed XXXX separate inquiries on my credit report that i did not make. That was XXXX at XXXX. Ever since then i have been trying to get someone on the phone at Experian to resolve the issue and get the inquiries removed from my credit report. So far i have spent over XXXX minutes waiting on hold on XXXX separate occasions and still have not spoken with anyone who can remove the inquiries. I simply do not have the time to wait and wait and wait to speak with someone. Experian should be ashamed of themselves for creating such a dystopian, maze-like procedure where nobody is accountable, no options are available to speak to a human, and no disputes can be resolved. It is obviously a system devised to keep staffing costs down at the expense of the consumer. Terrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion poor reporting practices. They are still reporting fraudulent information of my credit report. I sent each credit reporting agency the same information and the other bureaus delete it but TransUnion still reports it. My credit report clearly demonstrate that information appearing on my credit report is inaccurate and is damaging my character, credibility and ability to obtain credit. 

Fraudulent amounts : {$14000.00}, {$13000.00}, {$4200.00}, {$17000.00}
Product: Mortgage

I refinanced my home in XX/XX/XXXX, with first payment due XX/XX/2019. I received a 'first payment letter ' and made the payment according to the directions in there from XXXX XXXX XXXX. 

I received a 'welcome letter ' from PennyMac on XX/XX/XXXX indicating the servicing was transferred to PennyMac . There is not an 'effective date ' on the 'welcome letter ' indicating WHEN the transfer was to take place. Also, the letter indicates " NO ACTION REQUIRED ON YOUR PART ''. Oh really? If i don't do anything, who is going to change the address in my bill pay to the new address? This is a misleading statement because in fact, action is required-records need to be updated to reflect the new payment address at PennyMac as opposed to the address for XXXX XXXX XXXX. 

Speaking of addresses, the 'goodbye ' letter from XXXX XXXX XXXX indicates " Send all payments due on or after XX/XX/2019 to the below address ''. While this is great as a cutoff date is provided, the address to send payments to is different than the payment address on the " welcome '' letter from PennyMac. How is a consumer to know which is correct? 
After spending 20 minutes on hold at PennyMac, the woman explained to me that the address on the 'goodbye ' letter was a 'correspondence ' address. Well, if it is a correspondence address, why does it say 'send all payments ... ''? Her response was along the lines of 'well yeah, but it is a correspondence address '. That is SO enlightening and helpful! Her instructions were to use the address on the 'welcome ' letter to send payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, upon the advised of a legal councel, I immediately went to XXXX XXXX Police Department and filed a report regarding what I just learned a fraudulent information showing on my credit report. I am very much surprised to learn that an existing mortgage account being reported under my Name and my Social Security number by XXXX XXXX XXXX  with opened date back XXXX of XXXX. 

I hereby attaching sworn statement given in from of Police Office XXXX XXXX # XXXX. 

Account information of fraudulent account is as follows. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Loan Amount : {$90000.00} Balance Owed : {$15000.00} Though this account appears to have been kept with good payment status, this is still not mine and must be removed from my credit report immediately.
Product: Credit card

My wife received a credit card from Capital One without requesting it. She went through the steps to get the account closed. However, shortly thereafter, my credit report showed a " Hard Inquiry '' by Capital One Bank, XXXX dated XX/XX/2024. ( we did not discover this until well after that date ). A credit card arrived, which I immediately cut up. Due to our conflicting work schedules, it was difficult to make a call to Capital One to report the fraud and request that the account be closed as I never authorized it. This morning, XX/XX/XXXX, upon placing a call, Capital One 's automated system informed me that there is a {$19.00} charge for a " XXXX  XXXX XXXX account '' that the representative claimed was authorized using a special code by phone. This is something that I never would have done. I was very intentional about NOT activating the credit card when it arrived at our address. We have been very careful to keep our credit clean and opening accounts only for car payments and the like. Capital One recommended that we file a complaint through this entity and agreed to send my report to their fraud department. The greater concern at this time is that both my wife and I have had accounts opened without our knowledge, so there is a potential for identity theft. We take great pains to protect our personal identifying information, so this is our primary fear.