23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Late Payments under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for inaccurate information on my credit report related to late payments. These late payments have been erroneously reported and are inconsistent with the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency period due to COVID-19, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX XXXX. Under the CARES Act, my account was supposed to be reported in a favorable status as a payment deferral was granted. Despite complying with the terms of this program, my credit report shows late payments, which constitutes a violation of this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. In this case, the information on my credit report is inaccurate and is unfairly damaging my credit history. I request that the CFPB intervene to ensure that a proper investigation is conducted and that the incorrectly reported late payments are removed. 

Truth in Lending Act ( TILA ) Under the Truth in Lending Act ( TILA ), creditors are required to provide clear and complete terms, as well as accurate communication regarding any loan modifications. I was not adequately informed by XXXX XXXX XXXX A about how the relief program would impact my credit history, which is a violation of TILA. 

Request For these reasons, I request that the CFPB intervene to investigate this matter and ensure the removal of the inaccurately reported late payments from my credit report. I am attaching supporting documents that demonstrate I was part of a financial relief program and that these negative reports should have been avoided. 

I trust the CFPB will take immediate action to resolve this issue in accordance with the applicable laws and in the interest of consumer protection. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

TransUnion Credit Bureau has reported another unverified account on my credit report. This is a constant violation of Section 609 of the Fair Credit Reporting Act. 
Credit Bureaus are required to verify signatures on Contracts submitted to validate the debts.
Product: Debt collection

I have told Portfolio Recovery when they first called my work months ago I can not take personal calls at work. They have started to call my work again, they are leaving messages with my co-workers that know I can not take calls at work. 
The last 24 hour call log- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their ongoing refusal to remove fraudulent and inaccurate addresses from my credit report, despite multiple disputes over the past XXXX months. I have provided Experian with all necessary documentation, including government-issued identification, to verify my correct personal information. Despite this, Experian has ignored my requests, failed to conduct a reasonable investigation, and continues to report the following fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are tied to identity theft and fraudulent activity, and they are not associated with me in any way. Experians refusal to act demonstrates blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to : Conduct a reasonable and thorough investigation of disputes. 
Remove unverifiable or inaccurate information promptly. 
I have provided evidence, including screenshots, showing that Experian has repeatedly marked my disputes as verified without conducting a proper investigation. Their inaction has caused significant harm to my creditworthiness, delayed my ability to resolve identity theft issues, and created undue emotional and financial distress. 

Experian has had more than XXXX months to address this matter, yet they continue to ignore my disputes. Their negligence is unacceptable and has left me with no choice but to escalate this matter.
Product: Credit card or prepaid card

Capital One bank has not updated my account as paid XX/XX/XXXX and XX/XX/XXXX payment and i have not paid 30 or 60 days late on this account and capital one one has not updated my account correct since this virus
Product: Debt collection

I have a collection account on my credit file that is due to my identity theft case and it linked to my neighbors home not mine and the address needs to be removed from my credit file XXXX XXXX XXXX XXXX XXXX CA XXXX, this is not my residence.
Product: Debt collection

I received a negative reporting from this company. I disputed this debt in XXXX from another collections company. The CFPB reference number is XXXX. I spoke with the XXXX XXXX company and was able to get more details. The cable account was opened at family members residence with out my consent. Ive never reside at the house and authorize service and never signed any contract for that service agreement. After filing the dispute with CFPB in XXXX and advising the original creditor the account was not mine and I never authorize the account to be opened. The collection company removed the negative account from my credit reports. 
On XX/XX/XXXX a new collection company SEQUIUM ASSET SOLUTIONS trying to collect on the same debt. 
The company has never sent me any written notification. Ive called and was transferred to several people. I tried to explain the details above and was advised to just pay the debt. 
This just appeared on my credit again and this is unethical and wrong, I'm asking for this to be removed from my credit .There trying collect a debt again that's not mine and never was authorized and was never able to provide some kind of contract agreement that I authorized. Im a victim of a family member opening an account with out my authorization at their residence .This was explained to XXXX XXXX . The account was removed and Im Requesting for it to removed again.
Product: Payday loan, title loan, or personal loan

I have made 3 calls on total since making my last payment for a deferment, the deferment wasnt honored by them and I was told it would be fixed by a manager, I was also told I would receive a call back and never did, this is still being reported in my credit inaccurately as well do to them not updating my payment that was made and now Im being threatened that my car will be repossessed once again by this company, at this point these practices are deceptive and dishonest, having a consumer make a payment and not crediting them for the payment is against the law and I would like this loan completely forgiven as I wish to no longer do business with a company like this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 a 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.
Product: Debt collection

I never checked my credit score, but I was applying for a Mortgage Origination License with the NMLS, and I discovered a derogatory item on my credit history. It is showing that I have an existing account in collections from XXXX XXXX XXXX, stating that I have taken out an unsecured loan that was originally opened on XXXX XXXX, XXXX, totally an amount of {$3900.00}, which now a closed account due to insufficient payments. I have not taken out any type of loans in or around that time it states, and I want to resolve this problem before it affects me anymore. I am not sure if it 's mistaken or identity theft but I tried reaching out to the service. XXXX XXXX XXXX and they said that " my account is no longer accessible '' because they sold my account to another company. I then asked for the company information to who they sold it to or passed it on to and I was told from the person I spoke to that, " He will call me back with a phone number '' so I can reach out to them. I never heard back from this company and called back for a second time and was told the same thing the last time I spoke to XXXX XXXX XXXX. Again, I received no phone call or email. At this point, I am stuck and do n't know what to do and will want additional help to resolve this matter as soon as possible.
Product: Prepaid card

XX/XX/24 I placed an order with " XXXX XXXX ''. Receipt was provided on CHime 's website from " XXXX ''. I got a shipping confirmation, with tracking number a couple weeks later, when I clicked the tracking link, it displayed as having been delivered to my mailbox. I know it wasn't delivered to my mailbox so I entered the tracking number at USPS, and got the result " Shipping Label Created- Item not shipped ''. I tried contacting the company but service numbers and emails are disconnected, or get no result. Disputed the transaction with Chime, and provided the shipping information, with a screenshot from USPS, within 48 hours, CHime had responded that they did an internal investigation into their processes, determined there was no billing error, and the case was closed. I had notified Chime that i was receiving personal emails from men and women, referring to the transaction, and offering me a 10 % rebate. I didn't accept because I didn't receive the product, and I don't beieve it was ever shipped.
Product: Debt collection

received a debt collection letter XX/XX/XXXX from dynamic recovery solutions re a debt owed to XXXX. I currently have an acct with them but the acct number on the letter is not my acct number for do I have a balance with them. I called XXXX on XX/XX/XXXX to confirm no debt was owed and referred to their fraud dept where again no debt is owed. I called dynamic recovery solutions on XX/XX/XXXX to tell them I do have an acct with XXXX  but there is no balance as confirmed by XXXX  as well. I asked for the original contract with a signature, creditor information, payment history on the acct and proof of ownership. The man I was speaking with said they don't have that information. I proceeded to notify him they have 30 days to provide requested information. After researching this company it seems they are a scam of a debt collection agency trying to defraud people of debts they don't owe or debts that have expired under the statute of limitations.
Product: Debt collection

I had a personal trainer agreement with XXXX, which I choose to end under the terms of the contract. I completed the online ONLY cancellation form, talked/texted with the fitness manager shortly after submitting the form, who agreed to cancel. I paid the requited half of the total amount due via monthly payments. XXXX tried to make me pay the entire amount after meeting my obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

on 3 different occasion i have sent depute letters to XXXX, TransUnion and XXXX about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with  you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit for the first time on XX/XX/2021. I noticed that my birthday is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX  XXXX  XXXX {$3700.00} XXXX  XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$420.00} XXXX   XXXX {$140.00} XXXX XXXX {$12000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX {$390.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent certified mail to dept of nelnet about all the fcra laws that they have violated. It was a notice of cease and desist. They did not properly investigate the matter. They falsely claimed that they did not violate my fcra rights. They have these accounts attached to an address with my legal name but incorrect address meaning they should should contact the grantor which are the cras and delete these accounts off my credit report. They are furnishing private information publicly to a 3rd party which is illegal. This is infringement and a violation of my privacy rights. On XX/XX/XXXX XXXX said they are furnishing info on behalf of the department of ed which I have NEVER agreed nor signed an waivers or contracts with and to proof it they sent me documentation asking me to update information because they dont have any in their system. They are trying to set me up.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Dear Consumer Financial Protection Bureau, Subject : Complaint Regarding Fraudulent Reporting of Items Related to Identity Theft Account # XXXX I am writing to formally file a complaint regarding fraudulent items reported on my c

redit file that are directly linked to a data breach in which my personal information was compromised. As a result of this breach, I have been a victim of identity theft, and the items listed by KINUM INCare not only inaccurate but also violate consumer protection laws related to the fair and accurate reporting of credit information. Details of the Complaint My personal information, including my Social Security number and other sensitive data, was exposed in a data breach. Since the breach, I have discovered unauthorized accounts or transactions reported by KINUM INC, which I did not initiate or authorize. Despite disputing these items with the company and providing proof that they stem from identity theft, they have failed to adequately investigate and remove these items. This companys actions break provisions of the Fair Credit Reporting Act ( FCRA ), particularly : The duty to investigate disputed items thoroughly. The obligation to ensure the accuracy of items reported to credit bureaus. Impact on Me These false reports have negatively impacted my credit score and caused financial and emotional distress. I have taken every step within my power to rectify the situation, including : Filing an identity theft report with the Federal Trade Commission ( FTC ). Placing fraud alerts on my credit file with all major credit bureaus. Contacting the reporting company directly to dispute these items. Despite these efforts, the company has failed to comply with its legal obligations, leaving these fraudulent items unresolved. Requested Next Steps I am requesting the Consumer Financial Protection Bureau to take the following actions : Investigate the actions of KINUM INC regarding their failure to address fraudulent items stemming from identity theft. Require the company to remove all inaccurate or unauthorized items from my credit file immediately. Impose any applicable penalties on the company for failing to comply with FCRA regulations. Ensure the company implements stronger measures to prevent such negligence in the future. Supporting Documentation Enclosed with this letter are the following documents to support my complaint : A copy of my FTC Identity Theft Report. Thank you for your attention to this matter. I trust that the CFPB will act promptly to resolve this issue and hold the company accountable for its failure to comply with federal regulations. Please do not hesitate to contact me a
t XXXX or XXXX if you require any additional information or documentation. 

Sincerely, XXXX XXXX
Product: Prepaid card

The XXXX XXXX card blicked my old card from them on XX/XX/XXXX the upon calling the same day they shut the card off due to fraud then stated a new card was expedited and should arrive in XXXX business day by XX/XX/XXXX Still no card then I called and they said wait a couple more days so I did and by Friday XX/XX/XXXX I called and asked about the card they said it was delivered I stated no it was not I gave them my address and all my information they looked and it went to an out of state address so basically all my government benefit was stolen and spent I get {$XXXX} a month they went through transactions and I stated none of those are mine they closed the card and are now working on a claim to refund my money to my new card But that doesn't help me my bills are overdue now my rent is due the XXXX of every month I'm a week over due on that and have had to reach out for help for me and my daughter least to say something needs done with Direct Express I've seen they have XXXX accounts now too that are fake and others are relying on that to get help and are loosing there money too I did not fall for that though.
Product: Bank account or service

Paypal switched my account to a credit account without my knowledge or consent. I started receiving persistent phone calls from an unknown number sometime in XXXX, 2015. After an incredible number of calls night after night, I finally had to answer XXXX of the calls in an attempt to stop the nuisance. After responding to prompts from a computer, a real person came on the line. She told me she was with Paypal and if I would give her some personal info she could tell me what their calls were in regards to. I would not provide her with any information since I had no idea why PP would be calling me at all or if indeed she was with PP. I will say, however, that she was professional, but would not tell me what the nature of her position was with PP ( e.g. collections, security, promos ). She advised me to go to my online account and see if there was anything amiss ( my word ) on the account. This is how I discovered that I had over {$100.00} on a PP credit account, including interest charges and {$25.00} and {$35.00} late fees. 

I disputed as many of the charges as I could and ultimately received credits for the charges ( apparently not the fees however ). After giving it some thought though I realized that the charges were in fact legitimate and it was the PP credit account that was the scam. I will attempt to reach out to the merchants next week to reimburse them directly if at all possible. 

Today, XXXX/XXXX/2015, I received an email from PP that I had a {$35.00} min payment due on a {$52.00} balance. This is the first contact I had received since the XX/XX/XXXX/XX/XX/XXXX occurrences. I had no idea what this was about. When I went online to my PP account I discovered that the {$52.00} included a {$35.00} late fee from last month, a {$2.00} min interest charge, and some leftover purchase charge ( s ), although for what is anyone 's guess. I stopped using PP altogether after the earlier episode. 

I called PP customer service. I was transferred to the credit people. The man " offered '' me a one-time " courtesy '' of a {$35.00} credit for the late fee. This left a {$17.00} balance. I wanted to wait to see if indeed he had issued the credit until I paid, but he informed me that after today there would be another {$35.00} late fee applied - and of course - no " courtesy '' on this one. He wanted me to give him my checking account routing and account number, but I would n't do it. I was able to pay the {$17.00} via the PP website from my account login. I would say that judging from his tone I was not the first caller to have this conversation with him. He was not unpleasant, but I felt that he was controlling himself, actually better than I was. 

This is a huge disappointment as I have used PP for as long as I can remember. Why eBay would do this to thousands of loyal customers is unimaginable. If you or someone you know has been a victim of PP credit please speak out and file a complaint. Let 's hope they pay both in real money penalties and in the marketplace.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX... has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I received an email that XXXX XXXX XXXX owed XXXX  XXXX {$3000.00}. I dont know who XXXX XXXX XXXX and I dont owe XXXX  XXXX