23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PayPal/Synchrony Bank reported my MasterCard as over-the-limit on my last statement. Subsequently, they reported this information to all three credit bureaus. This information is inaccurate. On XX/XX/XXXX, I made a payment of {$180.00} to prevent my account from being sent into over-the-limit status. In fact because I did that, PayPal Mastercard 's computer system rebated me interest charges and fees ( see below ). 

XX/XX/2021 *INTEREST CHARGE* PREV CYCLE PURCHASES $ XXXX XX/XX/2021 PREVIOUS CYCLE DEBT CAN FEE $ XXXX However, they still charged and reported to all three credit bureaus for being over-the-limit. I want to them to correct this mistake and report accurately that I was not over limit and report the correct balance to include the {$180.00} payment which would prevent my account status from being changed on my credit report. I have a screenshot of my account activity for XX/XX/XXXX with this evidence highlighted that supports my position. 

Attempts were made to resolve this issue through the individual credit bureau online dispute process, but their websites keep crashing every time I click the Submit button. Someone might want to reach out and reprimand the web-development team.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date:XX/XX/2020 MIDLAND CREDIT MANAGEMEN Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX XXXXas violated my rights. 

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: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX started reporting negatively on my credit report XXXX of XXXX, had XXXX  XXXX  XXXX virus. Again on XX/XX/XXXX they reported negatively on my credit report and against n I had XXXX XXXX. I call on both occasions to prevent negative credit reporting during this time of unrest and as stated in the COVID 19 CARES ACT. My problem is I called both times and both times I was told dont worry since I called in they will make note and it should not go against me. Well it did and it has effected me negatively with adverse credit scores.
Product: Debt collection

Accident case # XXXX Badge # XXXX XXXX XXXX lost prevention released charges when car obtained XXXX case # XXXX for report for charge Notified XXXX follow up car XX/XX/XXXX spoke with XXXX ticket # XXXX Returned key on XX/XX/XXXX day of car returnable started accident/incident report in office with worker and he was to fax paperwork in for me XXXX claim # - XXXX XXXX XXXX XXXX department XXXX * XX/XX/XXXX called, incident and impound report # XXXX XX/XX/XXXX spoke with XXXX XXXX  rep # XXXX XX/XX/XXXX spoke with XXXX XXXX rep and he stated the car is not showing as returned case # XXXX escalation and conversation with customer service XX/XX/XXXX billed by XXXX XXXX, XXXX XXXX denied charges spoke with XXXX about the charge XXXX gave me XXXX  reference number for issue # XXXX XXXX supervisor XX/XX/XXXX case # XXXX XXXX Supervisor XX/XX/XXXX drop off date on XXXX  reference number # XXXX XX/XX/XXXX XXXX  charged XXXX on my credit card disputed with XXXX XXXXXXXX, notified XXXX of this charge The XXXX charge is for 5 weeks of having the car miles show only drove XXXX miles XX/XX/XXXX -- XXXX rep customer service billing on phone with XXXX XXXX states I am being charged because the car was impounded ( it was not ) XXXX supervisor at XXXX is saying they are billing me impound fees -- case number # XXXX opened by XXXX supervisor to stop sending request of payments from me. 
Going forward my insurance closed the payments needed for the coverage I had through XXXX and I received a bill in the mail XX/XX/XXXX for XXXX which included my deductible of {$750.00} which payments were set up through XXXX, which a payment plan has been initiated with a downpayment and auto payments set up. 
I just received a bill from XXXX  on XXXX XXXX dated but received XX/XX/XXXX at the same times received a collections notice for the amount of {$4400.00} which if you previously see I spoke with someone and the case number referenced # XXXX initated for a XXXX  supervisor to stop sending request for this amount, which is now through collections which is why I am contacting you because on the back of it says to contact XXXX if any issues Kindly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal information was stolen during the XXXX data breach resulting in accounts being opened in my name destroying my credit and putting me in debt.
Product: Debt collection

I have repeatedly requested for them to stop contacting me at work. I have advised them that all communications with me should be via my personal phone number, email, or US mail. They have repeatedly disregarded my wishes and continued to call me at work ; including leaving messages on the general delivery voicemail and at my extension.
Product: Debt collection

OAC COLLECTIONS IS REPORTING DEROGATORY INFORMATION TO MY CONSUMER CREDIT REPORT : Attempts to collect debt not owed. Debt is not mines. 

OAC Collection Specialists, Inc. ( OAC ) is a third-party collection agency based in Wisconsin. OAC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to verify debts and attempting to collect debts not owed.
Product: Debt collection

I would like to submit a complaint regarding inaccurate reporting on my credit report from Volkswagen Credit. This debt is a result of identity theft. This debt on my credit has been an extreme burden and has caused a lot of stress in my life and mental health. 

I first noticed this debt on my credit in XX/XX/XXXX XXXX 

Nature of Identity Theft : Opened an auto lease/ loan an in my name without my knowledge or consent. 

I first became aware of this identity theft issue when I noticed the debt of {$17000.00} form Volkswagen on my credit report. I then Immediately upon discovering this discrepancy took the following actions : Contacted Volkswagen : I have sent multiple letters explaining that I was a victim of identity theft and requesting evidence of any contractual agreement or documentation related to this alleged debt. Unfortunately, despite my earnest attempts, Volkswagen has failed to provide any proof of such an agreement. 

Disputed with Credit Bureaus : I promptly contacted XXXX, XXXX, and XXXX to dispute the fraudulent collection account. XXXX and XXXX have taken the appropriate steps to remove the inaccurate information from my credit report. However, XXXX has not yet rectified the issue, and the collection account continues to impact my credit score adversely.

I have filed a Police Report : In light of the identity theft incident, I filed a police report with my local law enforcement agency, and I have attached a copy of the report for your reference. 

Identity Theft Affidavit : I also completed the Identity Theft Affidavit provided by the Federal Trade Commission ( FTC ), which is enclosed herewith. 

Despite these actions, the debt from VW Credit continues to linger on my XXXX credit report, casting a shadow on my financial reputation and hindering my ability to access credit and other essential services. I have followed all necessary steps to demonstrate that this debt is not mine and that I am a victim of identity theft, but my efforts have yet to yield a satisfactory resolution. 

Request for Intervention : In light of the circumstances mentioned above, I request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Volkswagen Credit for their unjust reporting of the collection account on my credit report. Additionally, I kindly request your assistance in ensuring the immediate removal of the auto debt from my XXXX credit report, which will restore the accuracy and integrity of my credit history. 

Enclosures : Copy of Police Report Identity Theft Affidavit I look forward to a prompt response and resolution to this distressing matter. Thank you for your attention to this serious issue and for advocating for consumers like myself who have been victims of identity theft and inaccurate credit reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I settled a debt with LVNV. As agreed upon and per their policy on their website, the account was to be deleted from all credit reporting agencies. The account was indeed deleted ; however, as of XX/XX/year>, LVNV reported the debt again. It is currently showing on XXXX as a collection account. 

By reporting this debt after it was settled and agreed to be deleted, LVNV may be violating the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of credit information. Under the FCRA, reporting incorrect or outdated information can lead to legal consequences. Additionally, LVNV 's actions might constitute a breach of contract, given their initial agreement to delete the account after settlement.
Product: Mortgage

Our home mortgage loan is serviced by Seterus , Inc. A few years ago we refinanced with them for a much lower interest rate. We have been paying extra each month to pay down the principal. We pay our property taxes directly to our XXXX Co. tax office and pay our homeowners insurance directly to XXXX XXXX. We had no problems until XXXX XXXX, when Seterus sent a statement notifying us we had a negative Escrow account. It made no sense because we have never had an Escrow account. We called the customer service number and were transferred to various people, told us to call a different number and speak to the tax division. They said we needed to have an escrow analysis. Back and forth, not getting any answers, we were told to send our tax payment history and a letter requesting we not have an Escrow account. We did this. We got no response. Next month we still had a " negative Escrow account '' and our monthly payment was increased several hundred dollars. The customer service person said our request was " under review '' and for now we had to make the higher payment or pay a penalty fee and be turned in to a credit agency. This has been going on since XX/XX/XXXX. We made both installments for our XX/XX/XXXX taxes so we know there are no delinquencies. For 8 months, we have made phone calls, sent them our payments which are now {$1000.00}. above the monthly payment, and have never been able to resolve this. We ca n't afford to pay extra anymore, so we have lost ground on our plan to pay the principal down faster. We applied to refinance through XXXX, and have been approved. Now Seterus is setting our payoff amount {$8000.00} higher to get us to pay the Escrow balance, which would be for XX/XX/XXXX taxes that are not due until XXXX, XXXX. We do n't want to finance money for an escrow account which should not exist. Seterus does not have a person in customer service to talk to other than the representative. They have no complaint department, or superviser. They are strong-arming us and leave us no options. We believe t that since we have a lower interest rate and are paying off larger amounts, Seterus is trying to hold us to Escrow accounts to make money off the interest.
Product: Debt collection

We received a statement showing we had not returned all the frontier equipment.. We have Proof from XXXX Showing a drop off package receipt that the equipment was shipped out on on XX/XX/2019. Shortly after we received another statement showing they still needed the equipment back. We have spoke to them And sent in proof of the receipt and they said this would be all taken care of and it would be noted on the account. We recently had our credit ran and it is still showing as a unpaid balance. This money is not due And the account should be settled with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send out 2 letters asking for Accuracy of account!!!! Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) but never receive any  information verifying this account belongs to me, but company still refuse to comply with Fair Credit Report Act. by continuously reporting this account to my credit report. 

LETTER SEND OUT TWICE NO ORIGINAL CONTRACT WITH SIGNATURE RECEIVE YET ALL ACCOUNT LISTED BELOW According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

Name of Account Account Number 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 Thank you for your prompt assistance in this matter. 
Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX 2020 PayPal - negative {$1400.00} XX/XX/XXXX Transfer P PayPal - negative {$1400.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$1400.00} XX/XX/XXXX Transfer Paid with Balance {$1400.00} Transaction ID XXXX Seller info PayPal Note {$1400.00} USD ; PayPal Posting Date : XXXX XXXX, 2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
Product: Vehicle loan or lease

In the Fall of 2019, my father and I co-signed on a XXXX  XXXX XXXX. We were approved for a loan and the account was assigned to Synchrony Bank. The dealership said the bill would be mailed to our house monthly and we could pay with cash or check. Being that is was 2019, I tried to create an online account with Synchrony to pay with a debit card or bank account, and it said my account number was invalid. So I knew from the get-go this was going to be tedious. I mailed two payments in before I moved to a new apartment and my address changed. I attempted to submit a change of address form and never received another piece of mail from Synchrony again. I called multiple times but there was no way to speak to a representative without an account number which was invalid and I didnt have! Right as this downfall to mine and my fathers credit began, so did COVID-19. I lost my sales job, and my dad, who is an XXXX  XXXX, had XXXX calls. I was unable to pay rent much less my motorcycle. I put off attempting to contact Synchrony until the pandemic subsided or until I could find another job. I am now employed XXXX  and ready to pay my bills to rebuild mine and my fathers credit, which Synchrony destroyed, and my credit report said they CHARGED OFF and CLOSED my accounts. It also said they didnt even receive the two payments I sent them and that Im a YEAR behind. I cant even get in touch with these people. Its made me not even want the motorcycle anymore and makes me sick to think of it when Im riding but I will literally pay these people weekly out of my checks instead of monthly in order to get things on track so it will fix my dads credit. I dont even care about mine, he worked YEARS to get his back up and Synchrony destroyed it. I dont want a huge ordeal, I just want them to contact me and work with me so my dad doesnt suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this to get negative accounts, charge offs and late payments removed from my XXXX credit report. Under the 609 code I am requesting that the information on my credit report for the following accounts be verified by providing me the original contract, a pay off disclosure, interest rate disclosure, balance history, payment history and credit insurance. If they are not verified I would like them removed and deleted off of my XXXX and XXXX credit report. 

XXXX XXXX. {$530.00} Account # XXXX XXXX XXXX XXXX XXXX 
Opened XX/XX/XXXX Status open Last reported XXXX, XXXX XXXX XXXX XXXX {$310.00} Account # XXXX XXXX XXXX XXXX Opened XXXX, XXXX Status open Last reported XXXX XXXX XXXX XXXX XXXX. {$25.00} XXXX XXXX XXXX XXXX 
Opened XXXX XXXX Status open Last reported XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB. 

I am terribly concerned about what XXXX has done to me and my credit score. Last year I had issues receiving my statements around XX/XX/XXXX-XX/XX/XXXX. I had informed the company of this and they had assured me that they were lost/stolen statements and I was not responsible for this one time issue. Fees were reversed and I was told my credit score and report would not be affected by this confusing situation and that my statements would now be coming. I even called to tell them later on in XX/XX/XXXXto inform them that i was now receiving them and was no longer having issues. Recently I checked my credit report and I was mortified to see that they had reported me late after I was continually told that this would not happen. To my surprise and horror they had lied to me and reported me 30-59 days late on all three of my credit reports for XXXX AND XXXX of XXXX!!! That is two consecutive months they reported me past due 30 days each and my credit had dropped nearly 100 points. It is beyond my comprehension how they have done this to me when I called and informed them in XXXX and XXXX that my statements were missing and I had no idea if I had a balance due and what that balance was. This is incredibly unfair and I am horrified to see that they lie to customers and would like them investigated for this. They are ruining my life over an unknown mistake an dI would please ask the CFPB to have them correct it. I am afford to speak to them in fear of being lied to again and this taking another stressful year out of my life. Please please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting negative remarks on my consumer report. They are stating that there is a debt for {$5900.00} but are stating the account is closed at XX/XX/year>. I never received a 1099c from this company nor have they validated the debt under the laws and regulations. I don't consent to inaccurate and invalid information on my consumer report. Please remove this item immediately.