23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have collection agency Radius Global Solutions LLC saying that I owe a balance thats they have in collection with a account I had with XXXX XXXX  I paid that balance back on XX/XX/year>. When I paid it I called the collection that it showed it was under on my credit which was XXXX XXXX XXXX phone number is ( XXXX ) XXXX. When I called XXXX they told me I would have to call XXXX and settle it with them because it was turned over to them. I called XXXX customer service, phone number is ( XXXX ) XXXX, and was told I can pay the amount through them and it will be removed from my credit. At the end of the call I received a reference number XXXX and the payment was taken from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - XXXX  XXXX XXXX # XXXX -XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX
Product: Student loan

Mohela collected my XX/XX/2024 payment and failed to add the payment to my XXXX totals. This payment would have gave me the XXXX payments required for discharge. 

The company put my account into forbearance because they were requiring me to recertify my income. Mohela now considers the XXXX payment as ineligible due to forbearance. I will now have to make more payments due to their ongoing errors in both payment and student loan status.
Product: Checking or savings account

My name is XXXX XXXX and I need my claim to be reopen and investigate again and dispute status change to fraudulent unauthorized because I didnt authorized the payments or never requested yall to withdraw my claims so it need to be reopen and investigation again and change to fraudulent unauthorized I didnt do the payments and the claim number is XXXX and pictures are attached below please look at them below etc My name is XXXX XXXX XXXX  and contact me at XXXX etc.
Product: Vehicle loan or lease

I signed a quote for a 36 month lease. The finance department employee changed the lease to 39 months on the contract via the computer without telling me.

We returned to the dealership to re-do the contract to reflect the correct number of months. They assured me it was rectified. Upon calling Toyota Financial ( whom I've been a customer for 9 years ) they notified me the contract was not updated by the dealership.

Attached is the Signed contract for 36 months Current Statement reflecting 39 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a motor vehicle accident in XX/XX/2019. 
It required a lengthy hospital stay and XXXX operations. 
When I was able, I notified all of my creditors of my situation and promised to address any outstanding bills as soon as I was able. 

I paid my account in full with Synchrony Bank. I asked that the account be closed and I also noted that by accepting payment for this account, they would delete any negative credit reporting associated with my account. 

They cashed my check then followed up with a letter stating that they would not delete any credit information on my account. 

By cashing and accepting my payment and the terms associated with payment, they have breached an agreement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

the credit bureaus failed to do a proper investigation how did they verify this account.I want a detailed description of who furnished the account without my permission 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Product: Credit reporting or other personal consumer reports

To take off any inaccurate collections and bankruptcies that are XXXX years old and correct missed payments on discover and capital one that are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information regarding my personal credit report that is reporting inaccurate information. I have sent dispute letters to all three credit bureaus on XX/XX/2022 in regards of the inaccurate information that is currently still being reported on XXXX, TransUnion, XXXX. The total amount is ( {$410.00} ) which is a collection account as well as other inaccurate accounts. This inaccurate information is hindering me from establishing new credit accounts and other things regarding business. I appreciate you in advance for looking into this matter on behalf of myself!!
Product: Credit card or prepaid card

PayPal refuses to close our account that is paid in full. 
They keep saying " someone '' is using it but it NOT us. 
PayPal refuses to say what is charged, when it happened, or ANY information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian regarding their handling of disputed accounts on my credit report. Despite numerous disputes I have submitted about unverified accounts, Experian has repeatedly responded with pre-generated stall letters instead of conducting a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX, Experian, and XXXX XXXX XXXX, Dispute Resolution Departments Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed/deleted in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$190.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian to make them aware that I only have 1 address that belongs to me and all the address on my credit report is undeliverable and incorrect. 

I asked them to remove the addresses and that refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting proof of validation for this account. I am requesting the following information : The original SIGNED contract signed by myself, XXXX XXXX Proof of ownership of this account According to FCRA 611 ( a ) ( 7 ), I have the right to a description of the reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Please provide method of validation detailing the PAST DUE balance of {$1900.00}. According to XXXX XXXX guidelines, this is inaccurate and needs to be removed from my consumer report IMMEDIATELY. 
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.

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 instructions I am now demanding a Cease and Desist 15 USC 1692c of all collection activity with the credit bureaus while under investigation along with requested evidence no later than 15 days after receiving this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX i had capital one cridit card for XXXX $ limit, capital one acted as jail statement by lowering my cridit score 65 point by reporting me as missing payment, i paid them in full, through their customer service act as entry level refused to update my cridit report that the balance has been gone and i had to wait till next billing cycle where i got shocked that they reported XXXX $ interset rate on a full paid balance and they didnt care that XXXX $ interset rate on XXXX balance showed on my cridit report so i went and i paid the XXXX XXXX 
but its like i closed the account capital one so messy and night mare and please remove capital one from my cridit report my cridit limit with other cridt cards XXXX and capital one cridit limit XXXX $ as night mare they would place the missing payment for 6 years where they account fully paid and closed. 
its like if they got paid have this night mare ends thanks
Product: Checking or savings account

I received an email from Robinhood stating that my individual brokerage account would be closed without further explanation. Consequently, I transferred my assets to another brokerage. Since only whole shares could be transferred, I had to liquidate the fractional shares, which totaled {$960.00}. Although the shares were successfully transferred, the remaining funds were not.

I've made numerous attempts to contact Robinhood, but without success. They don't have an email contact, and their phone numbers only provide an automated message directing me to open a ticket within the app. I followed this instruction and sent multiple emails but received no response. 

To make matters worse, the app shows the account transfer status as completed, leaving my money stuck in the account.
Product: Checking or savings account

XXXX - On the same branch visit WF opened a new account for me to protect me against fraud and my funds were transferred to a new WF account. Within one month of opening this new Wells Fargo account - unauthorized wire transfers and debits were taken from my account. Wells Fargo identified the individual who I have no affiliation with or knowledge of. WF refuses to indemnify me and provides no explanation
Product: Vehicle loan or lease

I have paid every month for 3 years until I got hurt and was off work but I called and made payment arrangements and I spoke to a customer service manager and was told that they would get all my late fees and some of the extra interest off that would bring my total amount down a lot and I would not owe but a few thousand dollars ( XXXX ) but they have not did that. Most off my money is going towards interest. For the mileage and old year of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer, and I am requesting legal actions to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

On XX/XX/XXXX, a collection account appeared on my credit report for a utility bill that I was unaware of due to a combination of moving and the utility company 's error in forwarding my final bill to the wrong address. Upon discovering this, I immediately contacted the utility company, as evidenced by recorded calls, and made a full payment directly to them after receiving confirmation that the collection would be recalled. 

I believe that Transworld Systems Inc. and XXXX XXXX engaged in deceptive practices and false representation by reporting this collection without providing me with proper notice or opportunity to resolve the issue directly with the utility company. This has caused significant harm to my personal life and finances. 

I request that the CFPB investigate this matter and take appropriate action to rectify the situation and prevent similar occurrences in the future. 

PS : Attached is proof of my payment to XXXX, XXXX balance on my account
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have been unable to access my free annual credit report through TransUnions website and mobile app, as well as being unable to file disputes on their platform. This has been an ongoing issue, and despite several attempts to log in and resolve the matter, I have been denied access to my account. 

XXXX XXXX : Attempts to Log In : I have tried multiple times to log in using my credentials, but I repeatedly receive error messages that prevent me from accessing my account. 
Customer Service : I have contacted TransUnions customer service, but no resolution was provided. [ Include specific dates, times, and the names of representatives if possible. ] Dispute Access Blocked : In addition to the login issue, I am unable to file disputes online, which is a violation of my rights under multiple consumer protection laws. 

Laws Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my report ( 15 U.S.C. 1681i ). Their failure to allow me to dispute errors online also contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, TransUnions actions could be considered unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). They are failing to provide me with the access I am entitled to under the law.

3. Federal Trade Commission Act ( FTC Act ) : By not providing access to my credit report and blocking my ability to dispute errors, TransUnion is engaging in potentially unfair or deceptive practices, which is prohibited under the FTC Act ( 15 U.S.C. 45 ).

4. Dodd-Frank Wall Street Reform and Consumer Protection Act : TransUnions practices may violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ) by unfairly restricting access to credit report information and dispute processes.

5. Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) : If TransUnion is providing electronic access to credit reports and disputes but not making them accessible to me, they may be violating the E-Sign Act ( 15 U.S.C. 7001 ).

6. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute errors, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by potentially preventing me from accessing my credit history.

7. Fair and Accurate Credit Transactions Act ( FACTA ) : TransUnions actions may hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).
Product: Checking or savings account

I run a small personal business XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sometimes customers pay by cash or checks. A few checks were deposited so they placed my account on hold. While my account being placed on hold, i had an electronic payment that was deposited into my account on XX/XX/2023 in the amount of {$6300.00}. They told me my account was under review while they verify the checks. I explained to them that i dont owe the bank any money & they arent sure as of yet if the checks were made out to me or not. I told them they cant hold my funds if they arent sure whats going on with the checks. They have refused to release my funds. Nowhere in their policy does it say that they can hold my funds for more than five business days with my account being on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate 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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I discovered that I was the victim of identity theft. I filed a police report, had fraud alerts placed on the credit bureaus, and the fraudulent accounts were removed, with the exception of three that were reporting positively. The man who helped me repair my credit said not to worry about those. Three years later, in XXXX, the fraudulent account from XXXX XXXX was added back to my credit report, along with 9 different variations of an address I never lived at. I'm assuming that this is where the fraud was committed. I was told by Experian that the information is verified as accurate. How can that be so, if it is not my account? Please handle both Experian and XXXX XXXX in the illegal reporting of this {$34000.00} auto account that is not mine! Thank you.
Product: Credit reporting

A medical collection was added to my account on XXXX, XXXX. I paid it in full on XXXX, XXXX. Per the terms of the agreement for the XXXX XXXX XXXX XXXX, this medical collection should be removed since it was paid in full. It should also have been pulled from my credit report as it shows that the account with the original creditor - a hospital - was opened on XXXX, XXXX, with the collection being reported 90 days later. This eclipses the 180 day waiting period required before entering any collection information on the credit report - per the XXXX XXXX XXXX XXXX. This collection should be removed under at least one of these requirements.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
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. 

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 card

Throughout, I've made certain payments are promptly handled on this account, avoiding any delay. It puzzles me why there are mentions of tardy payments on my records. Per 15 USC 1666b - Billing Error, rectifications ought to be made.