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

I submitted a letter to this XXXX and XXXX company, and its showing I have a active account and I have been late paying. I do not have a credit card with them. Its been open and saying I have a credit limit and I dont when I call they hang up. XXXX XXXXXXXX XXXX XXXX XXXX  is reporting a open credit card as in usage since 2021. 

XXXX XXXX are closing one account from one report and allowing it to show open on XXXX Under the Truth in Lending Act ( TILA ), creditors are obligated to ensure that the information they report to credit bureaus is accurate and based on a thorough and fair investigation. If your company has admitted that an investigation into my account was performed, TILA requires that the methods used and the results of this investigation be fully disclosed to me.

The purpose of TILA is to promote the informed use of credit by requiring meaningful disclosure of credit terms and the accuracy of credit-related information. When an investigation is conducted, it is essential that the creditor verifies all relevant payment methods, account balances, and any other pertinent information. This ensures that the information being reported is accurate and not misleading. 

As a consumer, I am entitled to receive a detailed explanation of the investigation process, including : The Methods Used in the Investigation : A description of the steps taken to verify the accuracy of the account information, including any documents or records reviewed.

Verification of Payment Methods and Balances : Confirmation that all payment methods and balances have been accurately verified, along with any discrepancies found during the investigation. 

Results of the Investigation : A clear and concise summary of the findings, including whether the reported information is accurate or requires correction.

Failing to provide this information would be a violation of TILA, as it denies me the right to fully understand and challenge the accuracy of the information being reported on my credit file. Therefore, I request that your company provide a detailed account of the investigation, including the method and verification process, within the specified time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX XXXX on XX/XX/2018 and they responded. On XX/XX/2018 I provided further information as to their failure to uphold their own lease terms. 

The constant XXXX XXXX, the lack of the use of Washer and Dryers and money wasted. The neighbors downstairs noise and guest XXXX. My daughter grades are suffering and Im just exhausted with it all. I appreciate so much the opportunity to make a fresh start but my whole life was just crippled by the environment and inability to have space to even relax. Im working sometimes XXXX XXXX to XXXX XXXX and its just constant noise and disrespect of the community. If I try to tune it out then my downstairs neighbor beats the ceiling or slams the door. She is volatile and manipulative and it triggers me to get so depressed because I am upset. I cant function and be productive like this. 

On top of these issues there were several XXXX snd XXXX users on the premises and soliciting drugs to my daughter as she walked to and from school. This company put my childs life at risk snd endangered others. The leasing management partner XXXX XXXX offered me to move properties but all were very similar to the same environment. 

I do not owe XXXX XXXX XXXX NOR XXXX XXXX. There has been no debt verification, validation sent to me ever and I be not resided on this property in over 2 years. 

Until they can provide proof of NOT allowing drug activity on the premises and allowing barred/banned residents to remain in the property and also child XXXX  on the property as it relates to THEIR own terms and conditions and bond agreement then there is no basis for this collection claim and it needs to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - Asked credit report agency to verify accuracy of information. 

XX/XX/2023 - Investigation results ; Verified and Updated information After the investigation for timely, accurate, and verifiable information from creditors, there were still discrepancies and inconsistencies across all three-credit report ( s ). 

Name Of Account / Acct Number Verification Collection Management : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit reporting Act, the accounts above have violated my right.

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 an account without my written permission.
Product: Debt collection

RECEIVABLES MANAGEMENT C provided an itemized statement, but did not provide ownership of this debt. By law they don't own the debt so how can they collect on this? per FDCPA section 603, the creditor  must provide ownership of this debt. I have and never had at any time any contract with RECEIVABLES MANAGEMENT C. They illegally have my account information and social security number, which is fraud because I have and never had any legally binding contract or agreement with them. They DO NOT have proof of ownership and failed to provide proof. 

Please remove this entry from my credit file or I will escalate this fraud account to the FTC.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

EQUIFAX continues to furnish unlawful Reinserted Nebraska Child Support account XXXX. Federal rulings have determined that delinquent child support payments do not arise from a credit transaction and should not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been listed as an authorized user on an account. This account is not being reported on Experian or XXXX, only XXXX This account should be reported. 

XXXX XXXX  XXXX Card Account number : XXXX XX/XX/2014 ( 6 yrs, 6 mos ) CONTACT INFO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX
Product: Debt collection

XX/XX/21 I received an alert from XXXX  about an increase of {$1000.00} on a XXXX XXXX Credit Card # XXXX. I called XXXX XXXX and they confirmed that this is NOT my card, nor am I an authorized user. After research, I discovered this was my adult sons card, which was charged off. He gave me the last four digest of the card and I called XXXX XXXX back on the automatic call line using that number. It transferred me to an attorneys office : Nelson and Kennard, who bought the debt. I called them to tell them to remove the information from my credit, but they would not speak with me. They had NO right reporting this debt to my credit report!
Product: Credit card or prepaid card

Dear CFPB team, On XX/XX/2022, I placed an order through the merchant " XXXX ''. The amount I got charged for was {$930.00}. On the date of expected delivery, I did not receive anything. I understand that sometimes deliveries get delayed, so I waited over the weekend as well as 2 more business days. I still did not receive anything. So I contacted XXXX through their live chat and expressed my concerns. A few minutes following the online chat, I got an email notifying my my account got banned and I will no longer be able to return any past purchases. On the same day, the product finally came, but since it came so late, I did not need it anymore. I then contacted my credit card company Capital One informing them the issue. They are requiring me to provide an invoice from XXXX, but I've explained the issue that XXXX has banned my account and I've tried to contact XXXX multiple times to get the invoice but they are not willing to cooperate with me in providing that, and since my account is banned I can not get the invoice/reciept on my own. And Capital One has said that without that reciept they won't be able to help me. And not I am turning for you guys for help because I have no control over the situation and it's very frustrating. All I want to do is to be able to return the product I purchased.
Product: Checking or savings account

XX/XX/2021 paid application fee to view unit thru XXXX XXXX XXXX. I'm a sec8 tenant. I paid to view a 3 bdrm unit at XXXX XXXX. XX/XX/2021 I received an email stating the the unit will not be shown on date set up XXXX. Once XXXX was contacted regarding the refund I was told the unit had been rented by owner and to go back on-line to find another unit. There was nothing on the web site that will take my 3 bdrm voucher. All my personal information was forward over for income verification. No response from XXXX XXXX just a link to view more units that I have to still pay for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau fails to provide method of verification. On (XX/XX/2021 ) I requested an investigation because I felt the item is not being reported legally according to the fcra. I sent a letter of verification onXX/XX/21. Credit Bureau continues to update with consumer disagrees without addressing the request at hand.
Product: Money transfer, virtual currency, or money service

My Direct Express debit card PIN number was veiwed and card stolen and withdrawn for almost XXXX} on XX/XX/2020 from XXXX XXXX on XXXX XXXX. I have the police report and illegal ATM withdrawals statement.
Product: Debt collection

Global Credit and Collection Corporation continues to call my cell number XXXX to discuss a debt I owe. They have also reached out to my ex husband to discuss my debt, which is a clear violation of my rights. When I ask them to send a letter to validate amount and debt I owe and to stop talking to third parties about any of my debt, I receive a letter from XXXX XXXX, stating they can not locate my account. How is that possible they can not locate the account with my cell phone number XXXX, last XXXX digits of my social security number : XXXX, my address : XXXX XXXX XXXX XXXX, CA XXXX, etc. Is this company not keeping accurate records of who they are contacting? I called XXXX XXXX with the letter they provided me. This person does n't exist at : XXXX or XXXX. So, this leads me to believe they are scamming and breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

An identity theft used my personal data to apply for a Paypal Credit account in XXXX of 2020. I have credit monitoring tools, so I was alerted and reported this to Synchrony/Paypal Credit immediately. Because of my quick response, they took {$0.00} loss since the fraudster didn't even have a chance to use the account before I had it reported and closed. 

As part of the closure process, I was assured the credit inquiry would be removed from my XXXX  credit file, as these can have an adverse impact on credit. Over a year, and 5 phone calls later, they have failed to remove it. I have even sent written requests. The most recent one I sent, I received a letter in response but they failed to take the required action as promised in the letter. I talked to them today, and asked for a confirmation that the request was made, and/or a follow up call to confirm. I was told that they have no way to offer either. I am expected just to wait for the letter that they will supposedly send me with 30 days, and if I don't receive it to call them back. This is the fifth time I have been through this loop. He said he didn't see any evidence that it had been requested on my behalf at all. 

It is completely unacceptable that Paypal Credit/Synchrony Bank will not give me any options, refuses to be held accountable for completing something they are required by law to do, and have failed to follow through completion of the required action despite promising me over & over that it had been done. Their inaction is having an adverse impact on my credit, even though they know the account opening was fraudulent, and took the steps necessary to protect THEMSELVES because of this, but won't take the simple step to help the identity theft victim by removing the credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

I accepted a title loan for {$10000.00}. However, I was mislead of the repayment terms. The interest rate is XXXX  %, and the loan reoccurs monthly. It was explained to me that this was a annual loan and could be repaid over the course of XXXX  months. I have made {$1100.00}, payments since XX/XX/year>. Which have not reduced the amount of the loan.
Product: Student loan

Navient has been billing me for a school I did not attend, XXXX XXXX XXXX XXXX. The disbursement dates they are claiming are on XX/XX/XXXX for {$2800.00} and XX/XX/XXXX for {$2900.00}. I attended XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX and requested my attached transcripts. Navient sent me a letter say " My loans were disbursed to this school which is false. I sent them the same attached letter to no avail. Their paper says Navient, XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX Collection acc 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late - Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department - Unpaid Status Updated XX/XX/2018 Balance {$710.00} Balance Updated Past Due Amount {$710.00}
Product: Student loan

American Education Services does not provide an accurate depiction of the monthly installment for minimum Payment in the Statements for when Payment Amounts change. With this being the case, I have noticed many discrepancies with what individuals from the company state in terms of these installments. This is throwing off payments being scheduled through their online system. This also leads them to think that I 'm unable to pay the Loans. They need to be transparent in how they report what is due each month and correspondence alerting borrowers of any changes should be communicated no less than 30 days from when the change goes into effect or when the new Amount change is due. 

In addition to this, they 've been sending payment requests to any and/or all co-signers even AFTER I 've made the required payments. If this is repeated, I will seek litigation for harassment, as they should be made aware that contacting other parties asking for payments to be made when I 've already done so is unethical and is very unprofessional.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, Equifax XXXX XXXX concerning XXXX  XXXX Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

They have locked my account and I am not able to use the service. They do not have customer service which can unlock it. They have also closed my existing case.
Product: Money transfer, virtual currency, or money service

Back in early XXXX I made a payment on my PayPal Credit account using a previously used/saved bank account. PayPal somehow altered the account details, after I confirmed the account was correct, but before the information reached my bank. This resulted in the wrong account being charged, and overdrafted because it wasn't being used/funded. I disputed the matter with my bank ( they refunded their NSF fees ). Instead of noticing the error with the account numbers, correcting it, and resubmitting the payment, PayPal responded by marking my account delinquent and adding penalty fees. I reached out to PayPal Credit to resolve the matter. I was told they did a " courtesy refund '' of one of the fees. It's not a courtesy for them to fix their mistake. Today I learned that they never corrected the delinquent mark on my account, and it has now been used against me as a reason not to increase my credit limit.
Product: Checking or savings account

This is a follow up to complaint # XXXX. 


MB is simply not telling the truth in their denial of the {$350.00}. Their initial excuse for denying me the bonus was that a Tax Identification Number was needed to open the account. When I pointed out that no such requirement was in the promotion, they then changed their excuse to the one provided in the above Complaint. 


The newest, and incorrect, excuse is that I previously received a bonus in XX/XX/XXXX on a personal checking account and therefore was not eligible for the bonus on the business checking account. 


MB 's own records will reveal that I received BOTH a personal checking bonus AND business checking bonus in XX/XX/XXXX. Therefore, the most recent excuse is simply a knowingly false representation of their own agreement and prior practice. 


The fact is that MB has paid numerous people two checking bonuses in the same year ( personal and business ) and they must honor not only their previous practice but the language and spirit of their offer.
Product: Debt collection

Ive been a victim of identity theft since 2007. I have been paying off debt that isnt mines for years to have them removed from my credit file. 

I pulled my credit file, I have Credence listed on my credit file, immediately I contacted Credence to report fraud. When I call in Credence can not verify my address or my name as I write it only my SSN and not my correct address. 


After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a response of all they have to have is SSN. I call and get transferred overseas and a script read to me. I contacted them with all of my info. Today I called in and they said I could pay them 1000.00 $ to remove from my credit file. I refused to pay a debt that doesnt belong to me. 

Credence refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas. The information they are reporting is not mines. My FICO shows someone else other than me has been using my Information Im sure theres more fraud to come. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report. 

Thank you.