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

When I investigated my credit report, I realized that the same account was erroneous. The 3 credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report accounts that were never opened by me. 

XXXX XXXX XXXX  # XXXX ( Account incorrectly Reporting on my report. ) I previously owned a XXXX but it was a XXXX XXXX XXXX. I acquired this car in XXXX It was totalled in a car accident in XXXX. I never owned another XXXX. 

XXXX XXXX XXXX XXXX # XXXX ( Account incorrectly Reporting on my report. ) This was a fraudulent account opened back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up two times. I had a authorized user XXXX  account that my mother added me to that she opened in XXXX. 

XXXX XXXX XXXX  XXXX # XXXX This account was fraudulently opened up back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up recently.
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 federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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.

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 items of information, other then 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: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX   XXXX  for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple letters in regards to fraudulent items being reported on my credit report. My consumer rights have been violated multiple times and I have highlighted the violations within the letters I have sent to the credit reporting agencies. I am asking the CFPB to assist me in getting the credit reporting agencies to block and remove the items in which are fraudulent as well as in violation of my consumer rights.
Product: Debt collection

I have received a letter from the XXXX XXXX XXXX XXXX. They have sent this letter for a company named LVNV funding concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form XXXX XXXX XXXX XXXX. With that being the case any statutes of limitation has run it 's course. 
LVNV Funding has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. LVNV Funding is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, XXXX XXXX XXXX XXXX does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law. 
This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not my accounts
Product: Debt or credit management

My credit report is being impacted by inaccurate accounts being reported from Credence Resource Management. 

I have requested original contract information bearing my signature, also requested promissory note. I have not received any responses or information in regards to these disputes. Ive also requested method of verification and debt validation and never received these items. 

I would demand for all communication with Credence Resource Management to cease and desist. 
Please also have these companies remove any reportings from my credit report.
Product: Vehicle loan or lease

The lease is with Toyota Financial Services. They acknowledged receipt of the payoff check on XX/XX/2024. To date the lease has not been paid off. After contacting them to follow up I was told that it could take as long as two months for the payoff to be processed as they changed vendors. In the mean time I was told that I needed to continue to make the lease payments so that my credit rating would not be negatively affected.
Product: Bank account or service

TD Bank is deceptively advertising new checking account bonuses which are impossible to receive for anyone, like myself, that receives Social Security Benefits due to their terms, despite the fact they specifically mention Social Security. I was about to open an account after visiting their website, however after reviewing the terms and visiting XXXX I can NOT have a Direct Deposit even start until 2 weeks beyond the allotted time frame of 60 days from account opening. Furthermore XXXX of the bonuses would need not only XXXX Direct Deposit from Social Security but at least XXXX or more or perhaps even more for other recipients. As of today XXXX/XXXX/16 the options from Social Security are : When would you like this change to take effect? 
Starting with my payment in XXXX 2016 Starting with my payment in XXXX 2016 Yet their terms, link below, state the following : XXXX " *Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Premier CheckingSM account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a XXXX. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. '' Their offer is not only false & deceptive but also discriminates against any Social Security recipent.
Product: Mortgage

I've contacted navy Federal credit union each month for the last XXXX months to get my monthly statements so I am able to see balance on account, see next payment alone with interest rate etc. I was told that all my other accounts is close so they can't give online access to account. I ask to have it mail to my address on file and they said they can't mail it either since it was set in the beginning of the loan to paperless. I've asked to have it switched to paper form and is being told there is no way to switch to paper since I no longer have access to their online or mobile app. If my payment is received late I will be charged a late fee so their is no way to send payments via check. It is feeling like nfcu is trying hard for my to miss payments so they could foreclosed on my home. I didn't receive a coupon book and my payments fluctuate monthly. I need help to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two companies ran a credit check without my knowledge. XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Like many people, gaining access to my Experian account is an exercise in repeated frustration. Each time I have tried to finish setting up an account over the past two months ( I began on XXXX XXXX, 2024 ; the last time on XXXX XXXX 2024 ) I get the message that their site is having a problem and I should call their toll free number. Requesting a confirmation code to my cell phone results in NO text being received ( which makes me think it is never sent ). 

Instead I receive emails from Experian asking me to finish setting up my account : " Action needed, XXXX : Finish creating your account '' ( Received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). When i click the link, I then get the message that there is something wrong and I need to call. 

As I mentioned, this seems to be a problem for many. I use XXXX, but have tried this with XXXX XXXX and even XXXX XXXX XXXX. 

Please require Experian to address this common problem and publish how one can actually set up and " finish creating '' one 's account without having to call and likely face pressure to sign up for a paid account. If Experian can not provide what is supposed to free by law, perhaps they should be dealt with as the law and regulations allow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 bureaus to fix the issue. It had been fixed when I called but afterwards the information was put back on my reports. They are also reporting inaccurate information pertaining to my accounts across all 3 bureaus. The reporting information is inconsistent and it violates my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I have already filed a dispute with XXXX about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 168XXXX - Congressional findings and statement of purpose. I will be attaching my letter.
Product: Credit card

I applied for a new Bank of America XXXX XXXX XXXX XXXX. It was approved on line for only {$1700.00}. I expected at least a {$10000.00} credit line and searched on line for a customer service phone number. After calling that number ( XXXX ) their response was that I had to, first, finish a request for a free gift worth {$200.00}. I repeatedly told them my issue and that I did NOT want a free gift. After some badgering and bullying, I finally relented, was passed off to another call and they wanted some other info, including a checking account number and the bank name and routing number. After some argumentation, I reluctantly and finally gave them that info. They gave me a code number to give back to the previous caller to complete the " verification ''. When passed back to him, he asked for the code. I changed my mind and hung up on him. It just didn't feel right. I looked up the number I called and finally traced it to : XXXX XXXX, XXXX TX, which SEEMED legit. It still seemed fishy. So in order to precisely protect our check acct., I called my bank 's Fraud Hotline. We came up with/ this solution : 1. Block the checking account from ANY DEBIT TRANSACTIONS. 2. open a new checking account in person ( it'll have a DIFFERENT acct. number ). 3. Transfer all money to the new acct., and 4. completely close the old account. Meanwhile advise any company involved w/ deposits or debits of the new account number. I thank God for urging me to call the bank fraud line. I DO know better than to EVER give out bank and/or checking account info. I was just badgered HARD to relent so I could get answers to my credit limit inquiry. MY OPINION : Scammers " faked '' a website, under Bank of America 's name, that gave me a bad phone number for customer service. They likely " stole '' the ( XXXX ) XXXX number from XXXX XXXX, XXXX TX and disguised it for their fraudulent purposes.
Product: Mortgage

I received a payment from the XXXX in Florida and also had a forebearance in place - for which I was promised the payments would be paused and placed at the back of the loan- I was lied to after the fact when WF demanded payment in full for payments missed at the end of the forebearance - when payments should have need deferred- I had to file original complaint herewith and also XXXX XXXX XXXX  XXXX have this issue resolved- I am being charged interest and I don't know what else but the amount owed is more than it should be and I need help for an accounting of how I am back at square one when I received this HHF payment. I lost my employment during XXXX and also was diagnosed XXXX XXXX XXXX that I am still battling - something is wrong here and I need an investigation- I don't trust WF as they tried to foreclose and not keep their promise to defer the forebearance and I don't trust them- Please help me
Product: Money transfer, virtual currency, or money service

Hi, about three months ago in XXXX I opened an ebay account for the first time for a one time transaction in selling my old phone.I did n't plan to continue using either ebay or paypal any longer for any reason. After this transaction was completed and I shipped out the item to customer paypal put a hold on funds and said that I would no longer be able to use their services. I nowdo n't have either my item or my money.I felt as if I got scammed because they said I have to wait 180 days to releases funds that they had already taken their fees from. I was not participating in any fraudulent activity and my account was in good standing. The customer also did not file any disputes or chargebacks against me. I just want my money back and do n't want to be another victim of Paypal 's wrongful closings and freezings of many acccounts. The amount being held that I will like released is {$490.00} I feel as if I have done nothing wrong to be hit with such a harsh consequence. 
Thanks for your help in helping me solve this issue. 

Paypal Case ID : Case # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Prepaid card

I received a giftcard in the amount of {$50.00} from my company as a reward in XX/XX/year>. I wanted to use the giftcard to purchase some items from XXXX, and went to the website listed on the card ( prepaidgiftbalance.com ) to activate the card. The website was not working so I decided to call the number on the back of the card. 

After multiple tries, I managed to speak with someone named XXXX XXXX XXXX who asked me for the card information along with the location the card was purchased XXXX XXXX XXXX  and then claimed that there was a " fraud '' claim placed on the giftcard and that I needed to fax over my government issued ID and SSN number to provide proof of identity before they could release my funds. When I asked who filed the claim and how, she said it was " the bank '' and would not clarify how and why and which bank filed these claims. Once again, this is a pre-paid visa giftcard. 

When I asked about these fraud claims and how that could have happened, instead of answering any of questions she kept repeating that they needed government ID.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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

Synchrony Bank employs harassment and scare tactics in order to collect debts. I had already paid my debt, yet receive 8-15 calls A DAY from various numbers attempting to collect a debt that has been paideven after I expressly told them to stop calling me. 

They called at XXXX XXXX yesterday and the calls continued through XXXX that night. This happens on a DAILY basis. 

The man who called today told me he had a summons in hand and to be ready for the police to show up at my house within the next 48 hours. I said I wish youd show up so I could have YOU arrested for harassment. The number he called from was ( XXXX ) XXXX. The call came at XXXX XXXX est. this same man also told me my credit would be forever ruined if I didnt pay up. He also threatened to have my wages garnished. Again, I have a XXXX balance and have closed my card. 

These people absolutely refuse to honor requests for no further contact and call excessively throughout the day and evening. I now understand why Synchorny Bank has class action law suits filed against them. I have a XXXX   balance on my account and even closed my card in an attempt to stop the harassment but it continues regardless.