23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i have never had any account or business with ava this isnt mine and my information was exposed in data breach and people have been using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XXXX, 2021, I apparently created a TransUnion account with my credit card information on it. I was misled into paying for their services, unknowingly, until today, XXXX, XXXX, 2021. Every month since XXXX, 2021, my credit card was charged {$24.00} and I did not catch this until today. When I called to cancel my TransUnion account, the person I spoke with refunded me for two ( 2 ) months of charges. The refund was appreciated, but I am still very upset that I was essentially being scammed for over half of the year. The customer support person from TransUnion said that I signed up to recieve a " free credit report '', but I must've " accidentally checked a box '' for a subscription. I would have never signed up for their credit monitoring services, so this makes me very upset.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance u
nder 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Debt collection

I received information from a apartment company I was trying to rent from stating that I had an unpaid debt on my record, i checked my report and it shows as National credit systems is trying to collect on an unowed debt. I've tried contacting the company and they refuse to remove it even though the state is showing that I don't owe anything. They have bough this debt off of another company who is reporting fraudulent information and has no liens or judgment 's awarded to them. I have requested validation of this debt 4 times and they can not show validation and have even stated that they don't have to show or prove the debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received a notice to collect a debt from 2 collection agencies regarding an account with XXXX XXXX and XXXX XXXX. XXXX XXXX  was one of the agencies and The Offices of Credit Management was the other. I spoke with XXXX XXXX at XXXX XXXX  and informed him that I received another notice from a different agency and he stated that he would note my account and no collection activity would continue. I contacted Credit Management who assured me that they owned the debt ( I have a recording of this call ) and I entered a payment arrangement with them. All of this was done within the 30 days and none of this was reported on my credit reports. 

I continued to make the monthly payments every month by auto withdrawl. On XX/XX/XXXX, I received a notice that a debt collection was reported on my credit reports. XXXX XXXX reported that my account was delinquent. I contacted them and they stated that I should have been paying them all along. I informed them that I was paying Credit Management. I sent proof of all my payments to XXXX  XXXX. I never heard back from them. 

I noticed on XX/XX/XXXX that the autowithdraw from Credit Management did not happen. I called them and they told me that XXXX XXXX  was taking over the account and to contact them. I called XXXX XXXX to 1 ) set up payment with them and to make sure that they did in fact now have the debt assigned to them by XXXX XXXX XXXX, and 2 ) inform them that they still had not removed the delinquency on my credit report which they need to do since I was never delinquent. I was transferred 4 times and all agents kept repeating that the delinquency will not be removed because they did not get payments back in XXXX, XXXX and XXXX even though they have proof that I paid on time to Credit Management. 

In summary, I am filing this complaint because it violates fair reporting. I was never delinquent, XXXX & XXXX themselves never reporting me as delinquent, and now XXXX XXXX   has proof that as of XX/XX/XXXX, I made all my payments on time to Credit Management. I feel that I should not be punished and my credit impacted because of the disorganization of XXXX XXXX XXXX and their failure to manage the debt collection process. I am unable to reach a live person at XXXX & XXXX to discuss this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX and XXXX Account # XXXX have 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

remove all hard inquiries that were made without my consent transunion ; XXXXXXXX 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 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 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

I am having the most difficult time with Equifax, I recently received a copy of my Equifax credit report on XX/XX/XXXX. I have been calling them for the past two months ( XXXX & XXXX ) about fraudulent inquiries I do not recognize on my credit report. I also sent a certified letter on XX/XX/XXXX, requesting they delete 13 inquiries on my credit file. Equifax sent me a letter on XX/XX/XXXX regarding my dispute and advised the inquires are factual record and to contact the creditors. Equifax did not provide me with any verifiable proof that these inquires are factual, I asked in my certified letter that the send me verifiable proof. I understand that Equifax should n't be allowed to put an inquiry on my file unless I have authorized it. I also understand under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed. Equifax has not provided me any proof or resolution to my concern. 

Inquiries in question are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to EXPERIAN, XXXX XXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 and still no current record of update or response from any of the credit bureaus for my disputes. My rights have been violated. 
these are the accounts in dispute : 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  According to 15 USC 1681i EXPERIAN, XXXX & XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. I have provided the certified mail receipts for the disputes I had sent to the credit bureaus.
Product: Prepaid card

I went to use my card at the ATM for a {$80.00} cash transaction the ATM printed a receipt saying an error occurred and that  XXXX  dollars was dispensed. My American serve account was still charged the {$80.00} plus ATM fees of {$5.00}. After calling customer service  XXXX  times to let them know what happen they still are refusing to refund the money to my card even though they can see that the transaction did n't go threw. The reason I have been given is that it takes  XXXX  to investigate and up to  XXXX   XXXX  to refund my money. I do n't understand why they have the right to hold my money when on their end they can see the ATM did n't give me the  XXXX . This is basicly theft for them to take money that I never reiceve and then refuse to refund it even though they know that the ATM did n't process the transaction.
Product: Checking or savings account

I deposited a XXXX XXXX money order at Wells Fargo and couples days later on XX/XX/XXXX, they deducted {$490.00} from my account with the notes saying, " refer to maker ''. So I sent XXXX XXXX my information and they have been cooperative the whole time sending me the letter and Source of Receipt ( SOR ) detailing that Wells Fargo has the money and SHOULD reissue me the money. Wells fargo has constantly been playing a game of hot potato with me blaming XXXX XXXX for their problems trying to avoid paying me. If you could please get Wells Fargo to reissue me the funds and stop playing games that would be great. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XX/XX/XXXX, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XX/XX/XXXX and XX/XX/XXXX 
On XXXX XXXX, XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XX/XX/XXXX XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have requested a debt validation as well as the proof of the agreement bearing my my signature stating that I have agreed to consume this debt. 


The matter of the fact is I have not signed anything tying me to this debt nor ever spoke with anyone at pro collect. I have tried to reach out to this company to speak with XXXX XXXX and the people at pro collect are really rude and have hung up on me without trying to hear me out or help me. She asked for my social over the phone when I refused hung up on me. 

This situation has caused me distress
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter, from the attorneys that sued XXXX XXXX and clearly states, the account should no longer report late payments, and to delete account from all credit reporting agencies.
Product: Credit reporting

Trans Union allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately!
Product: Checking or savings account

Opened an axos checking bank account on XX/XX/XXXX. They were offering a checking bonus through XX/XX/XXXX with promo code XXXX. My application was approved on XX/XX/XXXX with the promo code in it. You can see it with screenshots under my profile. Checking bonus terms were direct deposits of XXXX per month and maintain a balance of XXXX. {$100.00} would be deposited each month if these criteria were met. I reached out to customer service on XX/XX/XXXX asking why no bonuss posted, and they told me it wasnt showing on my account, when it shows on my approved application
Product: Credit card

I started a complaint on CFPB with Synchrony/Paypal Credit XXXX XXXX : XXXX ). The company responded and closed my complaint right away. They did not allow me to respond. Here I have written my response and require follow up from PayPal/Synchrony .

I disagree with the information Synchrony/Paypal sent in their response by XXXX XXXX XXXX XXXX is attached in case number provided above ). I request this case be reopened and a follow up for my response. Here are 6 questions/concerns : 1. Their response states I didnt set up an auto-pay payment plan. Yet I set up the payment plan via phone call. Its all in the recorded call. In the call, the agent stated I was enrolled in auto-pay for minimum payment. They provided 0 information of this in their response. Thus, I request a review of the call with the agent. How can I receive this information/how can we confirm you review the call?

2. You stated my payment plan was opened XX/XX/XXXX. The first payment that was missed was XX/XX/XXXX. All of those payments in between were on-time and NOT manually paid. It was all autopay. So please explain how I wasnt enrolled in auto-pay?

3.I cross-referenced my bank account linked to PayPal payments and it had sufficient funds for the dates you state I missed payment and indicated in your response. Thus, if my account was on auto-pay as it shouldve been AND as mentioned in the call AND as it was for months prior, there would be 0 missed payments. So why wasnt it charged autopay? Or did you guys cancel the autopay?

4. Your response states I shouldve received CAP emails. Which of my emails were they sending notifications it to?

5.Has PayPal/Synchrony sent me any lawsuit letters for this collection? 

6.A quick investigation on PayPal/Synchrony within the past years shows that they have canceled auto-pay for individuals ( unbeknownst to the customer ) and have caused mishaps with peoples payments. You can actually see people complaining about this right on the PAYPAL COMMUNITY section on PayPal.com here : XXXX XXXX XXXX 

Another example on Fico websites where customers have submitted complaints on this as well : XXXX XXXX XXXXXXXX All that said, this case needs to be reopened and I need a proper and thorough investigation into the call where we agreed I would be on auto-pay. In addition, I have proof the on-time payments were done via auto-pay charges and not manually. So we need to further discuss this. Please answer all questions and AWAIT my answer instead of closing the complaint.
Product: Debt collection

I called XXXX XXXX XXXX and XXXX in XXXX of XXXX of an apartment rental on my credit report. XXXX placed a freeze on my credit report, and the XXXX told me they would look into it. 

On XX/XX/XXXX I tried applying for an apartment but was denied due to the {$8000.00} rental collection. I submitted a dispute. I called the XXXX apartments XXXX times XX/XX/XXXX to verify the debt and to ask for documentation. XXXX at the leasing asked for my name, social, and email address. She said her XXXX would look into it. She mentioned it is probably a case of identity theft.
Product: Checking or savings account

my check was not deposited when it was supposed to. Usually goes into my account Wednesday night Friday morning at the latest. I have bills due. Now i will have to pay late fee on all my bills because they didnt deposit my check. I talked to my boss all the checks where cleared, so i could not get a paper check sent to me. Yet i have not got the funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I wrote a Goodwill Request for Removal for late payment reporting for XXXX. The account was closed by XXXX in XXXX. I remitted all balances due despite XXXX, XXXX, and a death of family membet I was told in XXXX it had been investigated, the late payment history reportingwould be removed within 2 business cycles. I called in XXXX and XXXX and informed it was being processed. It never occurred. 

In XX/XX/XXXX I received a denial letter from XXXX This is an absolute disgrace when I was assured verbally three tinws on a recorded line it woyld be completed due to Medical and Goidwill gesture. It is documented XXXX have extended this to others despite their form letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't really know what section my issue goes under. I attended XXXX XXXX university online in XXXX into some of XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account as inaccurate. TransUnion and XXXX continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. 

I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( TransUnion & XXXX ) to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to resolving this matter ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Student loan

Hi there. I have been through the ringer with MOHELA. I applied for the SAVE plan in XX/XX/XXXX. I did not hear back with any information and I knew my payments were due to begin in XXXX. So, in XXXX I called back. They said to re-submit my IDR application since they were accepting those more quickly than previously submitted ones? So, I did. I was approved for the save plan with low monthly payments of {$170.00}. However, after a month my account was still not showing the new payment due amount. Instead it showed me that I had a due amount of {$890.00} per month. They then told me to RE SUMBIT AGAIN. So on XX/XX/XXXX I resubmitted for the SAVE plan. Still nothing! I call back XX/XX/XXXX and they let me know my application was cancelled because I did not submit proper documentation for my XXXX  XXXX. I DO NOT HAVE A XXXX  XXXX. I never submitted paperwork for this, I never applied for this. MOHELA representatives ONCE AGAIN told me they were submitting a complaint about this and it would be fixed immediately and to call back in 7-10 days. Sure enough I call back XX/XX/XXXX and my account is now in forbearance and I can not get a representative on the phone after 2 hours and 40 minutes of waiting. PLEASE help me. All I want to do is begin paying my loan at a cost I can afford which was the approved SAVE plan number of {$170.00}. I do not know what to do or who else to call. I have also tried getting ahold of my local congressmen and women about this issue.
Product: Debt collection

It says an account was opened on XX/XX/XXXX with the account number of XXXX. The account is in coll and was last updated on XX/XX/XXXX. The account holder is Berlin Wheeler out of XXXX, KS XXXX. I have not had any contact with this company ever and I've tried for a whole year to allow them to fix this error. The original company is XXXX XXXX and they can not show me the original contract or a copy of my identification to show where and when the alleged account was made. This alleged account of XXXX is causing a lot of issues and affecting my lively hood.