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

I am filing this complaint against XXXX XXXX XXXX for the unauthorized and inaccurate reporting of a collection account on my credit report. This account has been reported without my consent or proper validation, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Violation Unauthorized Reporting ( FCRA 15 U.S.C. 1681b ) : XXXX XXXX XXXX failed to obtain my explicit written consent to report this account. Reporting consumer information without permissible purpose is a direct violation of the FCRA.

Inaccurate and Misleading Information ( FCRA 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to ensure the maximum possible accuracy of reported information. The presence of this account, without validation, is inaccurate and misleading.

Failure to Validate the Debt ( FDCPA 15 U.S.C. 1692g ) : I have not been provided with adequate validation or itemization of the debt. Debt collectors are legally required to furnish proper documentation proving the validity of a debt upon request.

Prohibition of Misleading Practices ( FDCPA 15 U.S.C. 1692e ) : Reporting this account without proper validation or consent constitutes a deceptive and unfair practice under the FDCPA.

Failure to Investigate Disputes ( FCRA 15 U.S.C. 1681i ) : Despite disputing this account, no reasonable or timely investigation appears to have been conducted by the relevant credit reporting agencies or XXXX XXXX XXXX, as required by law. 

Impact of the Violation This accounts unauthorized and inaccurate reporting has significantly harmed my creditworthiness, resulting in a lower credit score and negatively affecting my ability to access credit and financial opportunities.
Product: Prepaid card

I received an AMEX e-gift card from my former company in the amount of {$30.00} and I have been unable to use it. I receive it on XX/XX/year> and have tried it on XXXX and in 4 different stores and on the phone. No one seems to accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am currently a working professional who went through a financial hardship while I was in college. During the fall of 2017 I was accumulating credit card debt and was struggling to make some monthly payments. I received 90 day past due email notifications and daily phone calls of my credit card accounts going delinquent from XXXX XXXX  of whom I had my credit cards issued from. They suggested that I enroll in a debt repayment/consolidation program through their third party XXXX XXXX to help alleviate the payment burden. I enrolled, and the XXXX rep informed me that this will bring your account current as long as I made payments through them. 

From the onset of making the first payment via XXXX XXXX, the late payment notifications stopped both via email and phone calls. I continued to make payments for the next three years ( see attached ) via XXXX XXXX and never missed a payment. A few months ago I ran a credit history report and saw that XXXX reported 29 missed payments for the cards that I was enrolled through the program. This shocked me as I was under the impression that I was up to date with paying down my debt. Having these missed payments on my credit report was detrimental to my goal of building back my credit. There was a missed payment that was getting carried over month to month from XX/XX/2017 which was hurting my credit score. I was never notified of this from either XXXX or XXXX XXXX. Per XXXX policy " missed payment of 60 days or more XXXX will begin physical mail, email, and phone communication notifying consumer of a missed payment. '' I received neither mail, email, or phone notification. In addition to this, the credit report for the missed payments shows 60 days past due for over 2 years which is a glitch/error since a true missed payment would upgrade into 90day-120 day status over that time period. I contacted XXXX about this issue and even escalated it to their executive branch. They insisted there was absolutely no fault on their behalf and were not willing to remove the missed payments. I even pointed out that I received no communication from them about my account not being current but my statement was ignored. After the phone call had ended, I magically received an email from XXXX for the first time in over 2 years that my credit card payment for that account was past due. This upset me even more but I made the payment to bring the account current. Today I paid off both cards via XXXX XXXX through a lump sum payoff.
Product: Vehicle loan or lease

Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. Please and Thank you I entered a consumer credit transaction with Consumer Portfolio Services on XXXX.which involved a finance charge along with a down payment of {$1800.00} cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. CPS is in violation of the 15 USC 1605 Truth In Lending Act. CPS didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts are for the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to XXXX and the other credit agency 's regarding several inaccuracies on my credit reports. Multiple letters were sent with the inaccuracies and a copies of the credit the report. 
I called XXXX and was told they didn't have access to my credit report from 3 months prior and my credit score is computer generated??? All of this is confusing as these companies dictate how and where we live, what kind of car we drive and everything else we need to continue through our lives. The people I spoke to that represent these companies were not able to explain to me in a clear and concise way what the problems were. 

I am far from perfect and have made a lot of mistakes in my life but we are allowed to fix our mistakes. As I try to fix my history of mistakes I need my effort to reflect that. With these companies I have not experienced that reflection. For the first time in my life besides my student loan, I have less debt than I have in YEARS.!! Yet my credit score continues to plummet. I have several issues and I will send what I have on this computer but I may have to mail other documents. This has been going on for months. Any Help with this matter would be greatly appreciated. I just want to make sure these companies are being held responsible for there action as the control peoples lives. 
I can't find a home due to all the inaccuracies, as you can imagine this is very STRESSful.
Product: Money transfer, virtual currency, or money service

Prior to CoVID-19, our family had a planned trip to XXXX. A purchase we made using our PayPal account was rail/train tickets from XXXX XXXX at the cost of XXXX USD. 

As the CoVID crisis went on and continues to do so, we contacted XXXX XXXX XX/XX/XXXX via email to let them know we were canceling our trip. Their website states the following, " f your travel date is until XX/XX/2020, you can modify your travel date or cancel it with no additional cost with a refund corresponding to the rate that was paid by writing to XXXX. '' On XX/XX/XXXX we received a reply with the following, " Dear Ms. XXXX, Thank you for contacting the Refunds Area of XXXX. Let me inform you that our Commercial Management due to the unfortunate news about the coronavirus has made the decision to reimburse 100 % of the value of your 04 tickets associated to the booking XXXX XXXX. Likewise, we inform you that your refund will be processed directly to the same Paypal account, used in your purchase. This process will take approximately 25 business days from now and at the end of this period, you will be able to verify this information into the statement of your Paypal account. Please also consider that we depend on banks and credit card processes. '' We waited more than 25 business days before trying to contact XXXX XXXX, however since the XX/XX/XXXX email we have received no reply. 

This forced us to take up the matter with PayPal with their dispute a transaction department on XX/XX/XXXX. We filed as " Refund not received ''. We provided PayPal with all the documentation that would support our claim. Yet, on XX/XX/XXXX we received an email that they were siding with XXXX XXXX without any actual details other than " it doesn't match PayPal guidelines of a Billing dispute ''. That's an interesting statement because from our perspective it's a bill we have through PayPal, for a service we purchased with our Paypal account for which we never received and we were promised a refund. There is no way to contact PayPal either to speak to an actual representative at this time. 

CFPB is our last remaining recourse.
Product: Debt collection

I 've repeatedly gotten calls from Penn Credit Corp. I called today XXXX/XXXX/16 to have them stop calling and talked to a XXXX XXXX who stated she was looking for XXXX XXXX. When I ask for the first name she was very elusive. My name starts with a XXXX, but I have no outstanding bills that a skip chaser would be looking for me. I requested the calls stop and stated that I would file a complaint to insure they did. The address for Penn Credit Corp is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX is charging 279.50 % Interest on my loan and over 80 % of my payments are going to with is called " CustomaryFee '' instead of interest or principle. For example, XXXX XXXX took {$270.00} out of my last biweekly paycheck and {$210.00} was charged as " CustomaryFee ''. This seems to be predatory and with such a high interest rate, I will never be able to pay this loan off. It is a trap.
Product: Credit reporting or other personal consumer reports

-In accordance with the fair reporting act " XXXXXXXX XXXX has violated my rights. 

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a child support order against with covid it got behind {$3500.00} something to MO Family support division. It has been paid in full monthly and is now paid off my payment history was never on there or the balance decreasing on all XXXX, XXXX, and Equifax and even says unable to locate me on the debt?? Thats not possible as my address are all on file with mo family support. I disputed the no payments showing and it still having a XXXX dollar balance.I sent in the payments receipts and showing its now paid in full yet when the results came back it updated the history but the balance still shows {$3500.00}?! Its paid {$0.00} owed all current and support once paid isnt credit or installment contract and shouldnt be reported once paid. That XXXX was roughly 30 % of my debt and my score hasnt changed to reflect the on time payments or boosted it ... ..again i paid and proved i paid off 30 % of my total collection debt but dont get any points or a correction where it reported no payments when infact theres been almost 3 years of paymentsade to it?
Product: Credit reporting or other personal consumer reports

Experian removed my good credit standing without permission such as my phone bill I pay through XXXX XXXX and other bills to keep my credit in good standing. My points have dropped XXXX it's within 2 days from updates to XXXX it's within 2 days of prior updats Also reporting closed accounts through XXXX XXXX but my accounts are open and it has messed my credit score up. Lot of inaccurate reports on my Experian which is causing great harm on my report.
Product: Credit reporting or other personal consumer reports

I have an accident on my CLUE report that was not me ( XX/XX/2018 ) I have never lived in Texas and never had a Texas license. It is showing the wrong license number even. Lexis nexus states the information is unverifiable yet still on my report for some reason. This is costing me money for an accident that is not mine.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$190.00} Date of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of any of the accounts in my report. I have never had an account with any creditors reporting on my report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to fix this problem with this company, and XXXX county collection keeps going in my credit file to change information to benifit them. I have told them on numerous occasions that that is not mine, I finally got tired and just let it fall off on its own, but theyve reaged it to suite them. They have an opening date of XXXX XXXX on my file. The supposed delinquency date isXXXX from the original creditor XXXX XXXX. I request that this false info finally be removed from my credit file of TransUnion. It is long past the statute of limitations and they are still manipulating it
Product: Mortgage

Our mortgage servicing company Loancare performing fraudulent practices. After we sent payment deferment agreement, I called to pay out escrow account which was created unlawfully and the company applied payment to 2 months which were in forbearance and later were included in deferment agreement. Nobody in the company is willing to resolve an issue. 
Also we are not able to make payment online.
Product: Debt collection

Paid the debt off, still is showing on my credit report that it is derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by XXXX/XXXX and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.
Product: Bank account or service

i had a bank account with Bank of america for a long time. It so happened that one of my friend owed me some money ( {$8400.00} ) He gave me a check which i deposited it in my account thru an Atm as I was flying overseas that night as my mother had died. when i came back i got a letter from Bank of America that they r closing my account as I have committed a fraud by depositing a bad check and that they r black listing me and i wont be able to open an account with Bank of America ever again. i was shocked by this most stupid letter ever. I tried to talk to them but they said they cant do any thing. they did not close my friends account and he is still operating it although he gave me a bad check. its not that i really want an account with Bank of America its a matter of principal that i have never done any thing wrong and y would they penalize somebody like that.
Product: Credit card or prepaid card

Horribke experience I applied for the Llbean MasterCard and I called and they refuses to call me to verify me my fraud alert the line kept disconnecting then they say that since I had a closed account with ll bean I have to wait until XXXX when they never told me that this isnt fair the way I was treated I wish to be contacted by Citi executive office by phone to explain what happened further
Product: Debt collection

Worldwide Asset Recovery out of California called me on Monday at my place of work. This place of work being a school at which I teach. They then proceeded to tell me they were calling to collect a debt for XXXX XXXX. I have not even had an account with them since XX/XX/2009. The man stated that I would be sued and have attorney fees of over {$2200.00} if I did not make a deal with him. He gave me the number XXXX to call him back after I talked to my spouse. He had my social security number, but did not have my right address. He said that I lived in XXXX, which I never have. Most of the information he had could have been found on social media or my school website. I am concerned, and I do not want to pay him. I have been scammed before. When I looked up the company and the number, I came up with spam complaints, harrassments, and a number with no traces. The company did not even have a validated website. They are also not validated/supported by the XXXX.
Product: Debt collection

Received Workers ' Compensation Via Workers ' Comp Judge Order XX/XX/XXXX ( XXXX  XXXX ) {$10000.00} check XX/XX/XXXX & opened a Bank of America Savings Account on XX/XX/XXXX to acquire multiple accommodations necessary for Workers ' Comp Judge Ordered XXXX scheduled for XX/XX/XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX   daily for 2 weeks. 

On XX/XX/XXXX BOA wrongfully and/or negligently allowed {$8200.00} of these Workers ' Compensation Funds to Levied by a near 10-year old creditor ( whom in the past I've had to acquire Civil Restraining Order Against for stalking and harassing me due to obsession and threatening to shoot me with his gun ) with a judgement. 

Code of Civil Procedure 704.160 Exempts 100 % of Workers ' Compensation from this type of Levy without having to file Exempt ; yet I had to file Exempt on XX/XX/XXXX after multiple attempts to point out unlawful allowance of Levy by BOA Legal Department to no avail even after Faxing BOA Legal Dept. Exempt form filed, details of CCP 704.160, and a BOA Branch Manager calling them on my behalf. Clearly, BOA Legal Dept. Associates are giving me the run-around holding money causing me Dire hardship including having to cancel XXXX & risk losing authorization after over 2yrs of fighting to get it XXXX  XXXX payment necessary for scheduled XX/XX/XXXX XXXX & XX/XX/XXXX XXXX authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$880.00} ; XXXX XXXXXXXX XXXX Balance : {$7700.00} ; XXXX XXXX Balance XXXX {$280.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$520.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$8500.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.