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

I contacted Transunion on XX/XX/XXXX to request a dispute of the 2 accounts listed on my credit report, XXXX XXXX ( {$1400.00} ) and XXXX ( {$2200.00} ). Both accounts are not mines and are fraudulent. I contacted Transunion on XX/XX/XXXX to dispute, the collection account from XXXX XXXX XXXX ( {$700.00} ) and two inquiries on my credit file, both as a result of fraud. The two agencies that request my information are XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I received a letter from Transunion stating my dispute would take an additional 15 days. This is in violation on the FCRA because they are separate accounts and dispute. The FCRA only allows an additional 15 days if the account is repeatedly being disputed. Furthermore, I submitted a dispute on XX/XX/XXXX disputing XXXX ( {$1900.00} ), which is another fraudulent account. There are laws regulated by the FCRA regarding disputing. Since I am a victim of fraud, I requested verification of these alleged debt and not simply automatic verification through a dispute system. I am requesting a copy of original documentation under Section 609 ( 2 ) ( 1 ) ( A ) and Section 611 ( 2 ) ( 1 ) ( A ) a consumer contract with my signature on it to verify the alleged debts. These items are required by law to protect me as an identity theft victim. I simply would like my credit restored pursuit to the FCRA. I understand Transunion handles millions of consumer 's credit file ; nevertheless, I am an individual and relentless to restore my credit, as well as dispute fraudulent accounts listed.
Product: Debt collection

I have a charged off credit card account from XXXX that was placed with Radius Global for collection. The last letter I received regarding this account is dated XX/XX/XXXX from Radius Global offering a resolution of my account for a total of {$1300.00} split into 12 payments of {$110.00}. I had not received any correspondence regarding the account since that letter so I assumed that my account was still with Radius Global. In XX/XX/XXXX I sent a check for the full settlement amount that was offered along with a letter clearly indicating that I wanted to accept the settlement and have the charge off removed from my account. I was under the assumption that if these conditions were not acceptable then my check would be returned to me. Instead, the check I wrote payable to Radius Global was forwarded to XXXX and applied as a regular payment to my charge-off balance. I received a letter dated XX/XX/XXXX from Radius indicating that my account was no longer being handled by this company and that my payment was forwarded to XXXX. I contacted XXXX and they are refusing to accept the settlement payment I sent Radius as a settlement for my account. The first time I called, I was told that my settlement check was applied as a normal payment and that my account still has a balance due of {$3100.00} and that no settlement offer was available. I called again and was offered a settlement of {$1500.00}. I explained that was not possible and was then offered {$1000.00} which I stated was still not possible. We ended the call and I contacted a local attorney through my legal insurance. The lawyer told me to write a letter to XXXX explaining everything from why I fell behind on my account to the situation with the settlement check. I did that and the letter was sent on XX/XX/XXXX but I have received no response. This is why I decided to file a complaint. I feel like both XXXX and Radius Global misrepresented the handling of my account. Why wasnt I notified by Radius Global that they were no longer handling my account? Why didnt XXXX notify me of this since they are they original creditor? If my account was no longer with Radius then I assumed I would have been notified at the very least by the new company that bought the debt. Was the debt ever sold? Why did XXXX place the debt with Radius and then Radius place it back with XXXX? I have included copies of all of the documents mentioned. Please help me in understanding the answers to my questions.
Product: Debt collection

on XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES, LLC sent out 4 more documents stating that I still owed after being told that they already violated my rights years ago and to this day, after telling them to cease communication yet again more bills were sent and they did not honor my request for the removal of reports. PORTFOLIO RECOVERY ASSOCIATES, LLC has caused a great amount of emotional discomfort and distress, stress, missed opportunities in obtaining houses and cars due to the inaccurate reporting and unprofessionalism of this company since XXXX.

this is for the record that they are being put on notice of violations.

and in pursuant to 15 U.S. Code 1692k they have to pay {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has removed three of the items that are being reported as 'closed ' collection items. They are from XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is outdated. I would like it removed from my credit history report Immediate delete this inaccurate account from my credit report a collection account is late by default therefore it can not report a late payment.

Immediate delete this inaccurate account from my credit report XXXX is reporting the date of last activity as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. It is a violation to re-age a collection account. 
Immediate delete this inaccurate account from my credit report
Product: Credit card or prepaid card

I was one day late on a payment. The bill was due on the XXXX. I called on the XXXX and the rep said to call once the fee was applied and I can request it to be waved. I called today the XXXX, and asked if they could wave the fee. I explained how I have all my cards on automatic payment and this late payment was unintentional. I also explained I went online to set up automatic payments so it wont happen again. I was told by the rep that the fee was applied and is not eligible to be waved. Then I was told they have options on the mobile app to avoid this in be future. Their mobile app however, doesnt make it possible to set up automatic payment. You have to login on your PC. They do not send any notification to remind you of your upcoming payment. It seems like they set me up for a {$25.00} dollar fee and lied saying I can request it to be removed, knowing its not eligible according to their policy. In an era where everything is done on a smartphone they make it difficult to pay a bill. Then their fee is the same amount as what my monthly payment is. So I am being doubled charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER been past 30 days late on  my Kohls  credit card and all  XXXX  agencies are reporting a late payment, this is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 signed up for PayPal Credit in XXXX and was given a line of credit worth thousands of dollars. I would regularly spend on this account and it was never reported to credit bureaus. There was a flexible payment option for this account that allowed late payments to be made and the only punishment for this was to pay more in interest. PayPal confirmed to me verbally over the phone and through their online portal that it would not be reported to credit agencies. Synchrony Bank took over PayPal Credit in the XX/XX/2019 and without notice began reporting to credit bureaus. I never agreed to updated terms for PayPal credit nor did Synchrony Bank report to me that there were new guidelines for this account. Synchrony Bank has inaccurately reported my credit and when I confront them about this in writing they say we have reviewed it and it is accurate. They refer me back to the PayPal Credit customer service number each time at XXXX. Synchrony Bank must delete my PayPal Credit account information from all relevant credit bureaus immediately. As you will see by my attached documents they make several mistakes on my credit report and have inaccurate information. On my XXXX, XXXX, and XXXX accounts they describe themselves as a " credit card '' and " revolving account ''. I never was offered or owned a physical credit card. They also say on my XXXX  report that my account was late only XXXX, XXXX, and XX/XX/XXXX. But on my XXXX  and XXXX  reports say I was late on XXXX, XXXX, XXXX, and XX/XX/XXXX. The reporting also contains inaccuracies when the account was closed. Although my XXXX and XXXX  accounts state my account was closed in XX/XX/XXXX my XXXX  says it was closed in XX/XX/XXXX. So how it can it be late on my XXXX  and XXXX  reports for XXXX if XXXX  says it was closed that month? They have single handedly destroyed my credit and it adds serious insult that is inaccurate. When I have disputed these inaccuracies to credit bureaus Synchrony bank falsely claims that my account information is accurate. And each time the credit bureaus have sided with Synchrony. 


I am not alone in experiencing issues with Synchrony Bank and you can reference this article in XXXX magazine that outlines my exact issues : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX To Whom it May Concern, I am writing to dispute a negative information being reported on my credit report by Equifax ( Account # XXXX ). I have disputed this account information as inaccurate with Equifax, and they have come back to me and stated that they were able to verify this debt with the collection company name XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

This cant be true because on XXXX XXXX, 2017, I contacted the collection agency myself asking them to validate my debt. Till today 's date they have been unable to verify that this is indeed my debt. I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires Equifax to verify the validity of the negative account information within 30 days. If the validity can not be verified, the negative information must be removed by law.
Product: Payday loan, title loan, personal loan, or advance loan

I have multiple accounts with Affirm and have been trying to update my cellphone to my new number so I can access my account online to make Payments after being a victim of a hacker on XXXX I immediately notified this creditor of needing to update, email, cell and payment information to protect me from further harm and removal of compromised information on my account. They updated all but cellphone which is how you access account and obtain codes. I have uploaded my TX drivers license 5 times, done facial recognition photos, spoken with multiple agents and supervisors all saying the same thing over and over.with script I have had 2 agents return my call to new cell phone number as part of verification responded to email links provided all requested items and still no update to my cell.phone number on my account I should not have to call over and over and send same sensitive documents over multiple times on multiple occasions I need this resolved it's been over a month
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me an email stating that my credit score has dropped to XXXX  so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are attempting to collect a debt from consumers and XXXX XXXX XXXX without a license to do so in the state of Tennessee. 


This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Branches : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX OH XXXX Branches : XXXX XXXX XXXX
Product: Checking or savings account

Interviewed with someone that posed as a legit employer. XXXX requested to have a fraudulent check processed to my checking account for " purchasing company supplies for new position ''. Asked for my direct deposit slip, social security, and Driver 's License. XXXX has all my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I was the confirmed victim of a XXXX XXXX and hackers gained access to my XXXX  XXXX XXXX account. It between the XXXX  of emails I did notice XXXX from XXXX stating that some account info had been changed. I immediately called XXXX and the between the Fraud and Online banking teams they were able to take back control of my account.

They then created a new account for me and informed me that the balance and payments including my automatic payments would automatically transfer. So I had assumed I was all set. However on XX/XX/XXXX I was informed by my credit monitoring service that a derogatory credit comment was placed in my file by XXXX  for non payment. My XXXX XXXX plummeted by XXXX points and all my existing lines immediately put limits on my accounts. 

I figured this was a clerical error and XXXX  would immediately fix this mistake on their part. Upon calling several agents admitted this was a problem with XXXX  and refunded my late fees. However I was informed on XX/XX/XXXX ( after several days of calling and opening a customer service case # XXXX ) they had denied my request to fix this erroneous report, further victimizing me. I need this erroneous report removed and my credit file restored to what it was prior to this fraud attack and victimization by XXXX  XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX XXXX XXXX XXXX XXXX, I fell victim to two multi-layered scam operations run by clones of ''Internal Revenue Service '' and XXXX XXXX XXXX  XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my Bank of America account to fraudulent investment firm ( s ) through " XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked GLOBAL LENDING SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX to show me a original contract with my signiture on it showing the alleged debt that GLOBAL LENDING SERVICES claim that I owe {$15000.00}, and all GLOBAL LENDING SERVICES have provided me are statements to an account that GLOBAL LENDING SERVICES can not prove is mine. 

GLOBAL LENDING SERVICES have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. 


I refuse to pay this alleged debt. Please cease and desist all collection activities I would like for this to be taken off my XXXX, XXXX and XXXX credit reports immediately as of XX/XX/2022!!!. and never to be put on there again. 


15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

I have never taken the time to review my credit report. However, upon examining it, I discovered numerous unauthorized inquiries. This discovery indicates identity theft, as these companies accessed my credit report without my consent. I never granted permission to Trans Union to include this information in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts Appearing On My Credit Report. 

XXXX. XXXX XXXX. XXXX
Product: Mortgage

I purchased a home in XXXX, SC with a mortgage from Wells Fargo Home Mortgage on XX/XX/XXXX. I have an escrow account with Wells Fargo where monthly payments include funds for property taxes in XXXX County, SC. Also, an initial escrow payment for property taxes was paid at closing totaling {$2200.00}. According to the 1098 from Wells Fargo in XX/XX/XXXX I paid {$2600.00} into escrow with them for property taxes. The Wells Fargo mortgage statement of XX/XX/XXXX states that they dispersed {$2600.00} to XXXX County for property taxes. I received an Execution Notice dated XX/XX/XXXX from XXXX Countys Office of Delinquent Tax Collector for delinquent taxes, penalties, fees and costs ( {$3000.00} ) threatening tax sale if this amount was not paid, claiming my property tax for XX/XX/XXXX had not been paid. Following multiple attempts to get Wells Fargo to resolve this and explain, on XX/XX/XXXX I went to the XXXX County Treasurers office and they confirmed that my property taxes were never paid. I immediately paid the amount claimed to clear my name. Ive made numerous attempts since that date, including phone calls and online complaints, to get Wells Fargo to reimburse me without success. Initially they told me they would open a case to investigate and resolve the matter by XX/XX/XXXX. After complaining again that Id heard nothing, I was told the case was still open not resolved and needed until XX/XX/XXXX. I again requested an immediate explanation and reimbursement of the amount I had paid. Absent any timely satisfactory response or reimbursement as of this date, I am filing this complaint. requesting reimbursement of the {$3000.00} paid by me out of pocket plus interest.
Product: Checking or savings account

I went to XXXX Bank and requested two Cashier 's Checks to be deposited at my other Banks. I requested having {$9000.00} for XXXX XXXX and {$7500.00} to Wells Fargo. I was only with XXXX XXXX  for 6 months, and by the XX/XX/XXXX, the funds were credited to my account. I did the same for Wells Fargo. They were not open on Saturday and then I went in person to ascertain when the funds will be applied. They thanked me for my 18 years of being a member, but had the nerve to say, it was because I opened a new savings account and therefore, they held my funds. I said : That makes no sense, I had to verify my info in order to even open the new savings account, so why would that suspicion? 
They said my check would be on hold until XX/XX/XXXX. I was so upset, and informed them that as soon as these funds hit my account, I'm taking the money out, and put it back into my XXXX XXXX  account. I said : " It is a Cashier 's Check ' the money was already taken from my account. Try calling them if you want to verify funds and my account. They said that is something they don't do... 
Wells Fargo have been sued many times for unscrupulous behavior, and this appears to be more of the games they are employing while playing with " My Money '' - It's a good thing I didn't need the money right away, or they would have put me in a very terrible financial situation. These banks continue to defy banking regulations until they get sued, or continue to finds ways to take money from their members. This is insane! having to wait 12 days, while " MY MONEY '' is held hostage..! there is nothing criminal, I haven't been in check systems, never wrote a bad check, or had any check that didn't clear, and I'm treated like a criminal. They need to be regulated harder and they need to give me an apology for a simple transaction from another reputable bank ( XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$5500.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.