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

Retaliation tactics used by former lenders/credit card company resulting in inaccurate and conflicting data on my Credit Report with all 3 Bureaus. Significantly impacting my livelihood along with ability to obtain housing, transportation, and other life necessities. 

What is most concerning is that the financial institution appears a bit emotional, where legal and ethical practices should take priority, especially compliance with Federal Law. A sort of double-dipping and whipping is the best way to describe it. 

Whether upset about the charge-off account or not, writing it off as a loss on their financial books and with the Internal Revenue Service on a legal form for accounting purposes, titled and quote " Account Charged off, $ XXXX, XXXX written off '', then reporting to all credit bureau 's that the account is still open with original delinquency status to current month, is not only unethical but horrible business practice and disregard for the FCRA and my rights. 

If the original creditor still owns the debt, where are my notices, attempts to negotiate or collect? A write-off/charge-off has meaning. The term is supposed to be used to identify the account status, thus indicating a closure, no further collection activities from the original creditor. Once you charge it off or write the balance owed off as a loss, cease reporting activity and accurately reflect the account status, I mean isn't this the process? 

Several financial institutions are playing the " ill get you back game '' these companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blasting the unpaid balance while taking insurance, or tax credits for the loss while still reporting after write-off/charge-off. Some even reporting monthly since 2021 in attempts to sabotage my credit standing for the next several years. 

Requesting assistance from CFPB with ensuring my credit information is reported correctly. As of today, the inaccuracy is causing confusion because the accounts should be coded in the closed status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 My request for the blockage and deletion of this data is not a mistake, nor is it founded on any misrepresentation of facts on my part. I am committed to ensuring the accuracy and integrity of my credit report, and as such, I am rightfully seeking the removal of these wrongfully attributed transactions. It is crucial to clarify that the transactions identified in my report are in no way associated with any of my legitimate financial activities. As the victim of identity theft, these transactions do not represent any transaction undertaken by me as the rightful consumer. 
In accordance with the Fair Credit Reporting Act, I am entitled to a fair and accurate representation of my credit history. I kindly ask that you investigate this situation promptly and take the necessary steps to remove the fraudulent accounts from my credit report. I understand the importance of a correct credit profile and its implications for my financial well-being.
Product: Bank account or service

I opened a bank account with HSBC in XX/XX/XXXX and was told that I would get a promotion bonus as long as I did 2 bill pay over each billing period for the next three cycles. My month statements ends on the XXXX of each month. 

I did 2 bill pay on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX. When i messaged to ask about the bonus not posting, i was lied that the bonus was for bill pay over three different months, not three billing statements, which is clearly a lie, as I was told in person by the banker it would have been over the billing statements. I met the requirements as the bill pay i did fell in three different billing cycles, but HSBC refuses to pay the bonus. 

They should be ashamed by lying to people for fake bonuses, and then changing the requirements.
Product: Credit reporting or other personal consumer reports

I received notice that I had an outstanding payment balance with Navy Federal Credit Union for a loan. I informed the company that I never applied for a loan/credit account. Navy Federal ultimately advised that they were unable to verify my identity on the phone as was unable to assist me. When requesting documents to dispute the loan they advised those documents were only available to me through an online portal. When the online portal was accessed, it stated there was no information available to me. I remained on the phone XXXX hours to speak with the credit XXXX XXXX security dept. A representative never answered the phone. I have filed a police report and contacted the credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address and name is reporting on my credit report
Product: Debt collection

Our business established a contract with XXXX XXXX in XXXX of XXXX to provide and maintain water filtration and dispensing equipment in our place of business for 3 years, on a monthly basis. We were given a verbal assurance that after 3 years, we could cancel at any time, without any fees or hassles. Initially, the equipment provided was defective and damaged the finish of our floors. The equipment was removed and replaced after a couple months and our business was given credit for the months that the equipment was not available. The technician for the company took photos of damage and gave assurance that the company would pay for repairs or provide credit towards that. In XXXX of XXXX, the office manager for our company contacted XXXX XXXX to notify them that we intended to discontinue service at the end of the year and she wanted to schedule removal of equipment. She was told that the 3-year contract would not be complete until XXXX of XXXX, because our business did not pay for the period during which the equipment was not available, so our contract was not considered activated until XXXX. She submitted an online contact in XXXX of XXXX, confirming cancellation. When I contacted XXXX XXXX in XXXX of XXXX to coordinate removal of the equipment and officially terminate the contract, I was told that they had unilaterally auto-renewed the contract for 3 years as of XXXX, and termination prior to XXXX of XXXX would incur a fee for the entire 3-year period, in addition to a removal fee. At that time, I requested a full accounting of the contract from our finance manager, who determined that no credit had ever been provided for the damage to our facility, and our business had met all obligations of the contract provided, including giving adequate notice of termination. Our business never agreed to any termination fee or removal fee, nor did we agree to renew the agreement for an additional 3 year period. In XXXX of XXXX, I submitted a request for verification of debt and received no response from XXXX XXXX. XXXX XXXX continued to make demands of payment, under threat of collections actions and threats of making adverse reports to damage our business credit. The equipment was eventually removed from the premises. Recently, our business has been receiving collections communications on behalf of XXXX XXXX from a collections firm by the name of Levy, Diamond, Bellows and Associates. This company has also threatened to take legal action without providing any verification of debt. This harassment is causing undue stress and strain on our small business.
Product: Credit card

Citibank canceled a credit card that was exclusively used for travel during the early XXXX years when no one was able to travel. The card had a credit line near XXXX. As a result, my XXXX XXXX went down. The reason for the cancellation was sighted lack of use. 
I wrote Citibank asking that my card be reinstated, but they refused stating that I required a new credit inquiry in order to get a new card. I requested that they use the credit history of the other card, a thank you card, to determine my payment history, or review the history of the card that was canceled. Citibank refused but sent a nice letter.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the fair credit act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts or authorize these accounts. In accordance with the Fair Credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. One more thing according to 15 USC 1681s-2, A persons shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These accounts are listed below. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

I have asked this collections company to stop harassing me and they have not stopped. They call multiple times a week. I block their number as soon as they have called and then they call with a new number every time. 

The call log attached is a sampling of how it is every single week. For over a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this already, out of court, back in 2019. The apartment agreed to take XXXX rent and let me out of the lease. It appeared on my credit a couple years later and I disputed it off. Now, its back again.
Product: Money transfer, virtual currency, or money service

Someone stole my credit cards and used it to purchase things and or send money on PayPal. I reported it to my bank and the bank ( XXXX XXXX XXXX XXXX XXXX reported that they sent PayPal the funds back due to PayPal providing a statement. They stated I have to file a claim with PayPal to get my money back. Although I never did business with PayPal. PayPal said the claim is still open and I have to go through my bank. PayPal also stated the claim the banks submitted were incorrect. The banks need to file a proper claim. The people who stole my information are in XXXX. I did press charges Card numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX XXXX XXXX
Product: Debt collection

I have been receiving repeated calls at my residence telephone of XXXX from the following companies : Synchrony Bank XXXX, XXXX XXXX XXXX and a collector from XXXX that are looking for an XXXX XXXX or XXXX XXXX XXXX. 
I have told them repeated times that I do not know any of these people and to stop calling. However, they continue to call. I ask your office 's assistance in having these companies verify those numbers that are called attempting to collect a debt and not just simply call random numbers ( that stay on their lists and are called constantly ). Please assist with this annoying problem. Thank you.
Product: Prepaid card

Case # XXXX From XX/XX/XXXX to today ( XX/XX/XXXX ) I can not get any resolve regarding monies owed to me from my brothers prepaid card ( XXXX  ) XX/XX/XXXX went into Bank Of America branch located at XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX to open an Estate acct with the {$910.00}?? Check ( written to Estate of brother ) granted by XXXX and written by Bank of America. 

On XX/XX/XXXX the branch manager was advised, after speaking with estate services, not to open the estate acct and they would request to have a stop payment on initial check and have a new check issued in my name. On this day I had the court documents granting me the funds, death certificate and my drivers license. Copies were taken of all documents including the check. I was told I would receive a call within 5 days or a new check in 2 weeks. 

XX/XX/XXXX XXXX XXXX/ No Reissued Check. I called back to rotate services. I was advised that the request was not submitted to right dept. This rep verified and questioned me again and then said she would submit and it would take up to 2 weeks for check. 

XX/XX/XXXX I received a call from XXXX in Estate Services saying her initial request in XXXX was rejected and explained that the dept that rejected confused the monies owed from this check was not the same monies sent to the state as unclaimed monies. She contacted this dept to try to get resolution while talking with me. After being on the phone for over an hour we decided it would be best to call me back. 

XX/XX/XXXX No Call Back I called estate services again. This time I spoke with XXXX. He explained to me that my court documents were not sufficient and that I needed to complete Bank of Americas Affidavit of Decadents Successor form. He emailed this form and another form to me. 

XX/XX/XXXX I completed and notarized all forms and attached the death certificate. 

XX/XX/XXXX. No follow up call from Bank of America so I call again to estate services. The rep explains all documents were received however No Action taken. She would submit the request for a reissued check however it would take an additional 6 weeks or more.

After explaining to the rep how long this has taken and that is has not been any fault of mine she apologized yet stated it would still take 6 weeks or more. I then requested a supervisor call me back. 

She gave me the name XXXX XXXX - Manager of Estate Services I am still awaiting her call
Product: Credit card or prepaid card

On XX/XX/XXXX there were fraudulent charges made against my account. These charges originated overseas ( XXXX ), and so I was charged a foreign transaction fee. 

On XX/XX/XXXX I noticed the fraudulent activities and disputed the charges. On XX/XX/XXXX the disputes were marked resolved and the funds credited to my account. 

The foreign transaction fee has not been credited to my account. There is no means for me to dispute the fee ( not that I should have to ). 

Customer service has consistently been of no help, and their promises of pending credits have never come to fruition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. DEPT/OF EDUCATION/XXXX  Has fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Checking or savings account

It is with my PayPal account. Someone had sent me money for me selling them a few things and they put a hold on it for 21 days for no reason and then when I called to have them lift a hold so I can get my money which was like {$410.00}. They told me That they had closed my account and now I have to wait 120 days in order to receive the funds and they didnt give me any reason why they put the hold on to begin with at all. And I dont believe that its fair that I have to wait four months for me to get my money when theres no reason for them to close my account or put a hold on the money in the first place
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and LexisNexis regarding their mishandling of a dispute and failure to authenticate my identity, as shown in the attached documents. 

# # # XXXX  : Inaccurate Public Record Reporting On XX/XX/year>, XXXX generated a report ( Report Number : XXXX ) that includes a public record ( Reference # XXXX ) of a bankruptcy allegedly filed in the Massachusetts XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). However, despite a formal dispute I submitted, XXXX refused to delete or amend the inaccurate information. They confirmed that the item would remain on my report, citing that the company reporting this information certified its accuracy. 

This unresolved issue has caused significant harm to my credit, and I request the immediate intervention of the CFPB to ensure this erroneous entry is removed from my report. 

# # # LexisNexis : Failure to Authenticate Identity and Stalling Investigation In addition, on XX/XX/year>, I received a letter from LexisNexis Risk Solutions ( Case Number : XXXX ), indicating that they were unable to authenticate my identity, which has delayed an ongoing dispute I initiated with them. Despite having provided the necessary documentation as requested, they claim they can not continue the reinvestigation process unless my identity is authenticated. 

This stalling tactic by LexisNexis is unacceptable and contradicts my consumer rights under the Fair Credit Reporting Act ( FCRA ). I demand that LexisNexis proceed with the dispute process immediately and without further unnecessary delays. 

# # # Documentation Sent to CFPB : On XXXX XXXX, XXXX, I submitted a formal complaint to the CFPB ( Complaint Number : XXXX ) regarding the same issues with both **XXXX** and **LexisNexis**. In that complaint, I included sensitive personal documentation, such as my **Social Security number**, **passport**, and a **recent insurance bill**, to verify my identity. I am attaching the same documentation to this letter to support the current complaint and ensure a swift resolution.
Product: Credit reporting or other personal consumer reports

On my Eperian credit report it is still showing XXXX late payments within the last 30 days and XXXX late payments within the last 60 days. These late payments were coming from XXXX XXXX  which has been Submitted to the CFPB on XX/XX/year>. They removed my XXXX XXXX  from my credit report but its still showing these XXXX late payments for XXXX and 60 days. Please remove them because these are not correct. Please see my complaint submitted on XX/XX/year> which has now been closed for more information XXXX are showing also showing the same late payments ( XXXX late in last 30 days and XXXX in last 60 days ) all due to the incorrect child support information. Please remove all of these as well. 

XXXX are showing also showing the same late payments ( XXXX late in last 30 days and XXXX in last 60 days ) all due to the incorrect child support information. Please remove all of these as well. 

XXXX are showing also showing the same late payments ( XXXX late in last 30 days and XXXX in last 60 days ) all due to the incorrect XXXX XXXX information. Please remove all of these as well.
Product: Debt collection

the company is jefferson capital i do not have any knowledge of this account i don't even know the account number the company is jefferson capital again
Product: Debt collection

Reliant Capital Solutions has called multiple times for a debt owed by someone named XXXX XXXX. I am not XXXX XXXX, and I do not know anyone by that name. The most recent call was today at XXXX XXXX. I spoke with a XXXX XXXX.
Product: Mortgage

On or about XX/XX/2016 I was contacted by my mortgage company XXXX Mortgage about refinancing my VA loan. I was told by the agent that I would not have a payment in XX/XX/XXXX and would have my next payment on XX/XX/XXXX But I was also told not to skip XX/XX/XXXX thus leading me to believe that I would still have a 30 day grace in skipping a payment. Now the company is saying I should not have been told that by the agent or the closing agent. I was assured this was the case and now that the loan is closed it was all a lie
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my discontent with the handling of Identity Theft and fraud associated with a Paypal Synchrony Bank credit card. I became aware on XX/XX/XXXX, XXXX that an unauthorized Credit Card associated with my Social Security number was sent to collections due to non payment. 

I am in the process of buying a home for my family and in the middle of escrow, immediately after finding out about the collection debt, I called Synchrony Bank and spent 2 hours on the phone trying to clear and reestablish my credit. On Saturday, immediately it was determined that the account was fraudulent since the information on record for the account and my information did not match. My loan officer Mr. XXXX and myself, finally spoke to XXXX in the Fraud department and he instructed us to call back on Saturday XX/XX/2020 and that he would be able to further assist us with a deletion letter that would assist me with reestablishing my credit to continue with the purchase of my home. Unfortunately, we spend about 1 hour with multiple people and we were unable to speak to XXXX and did not get anywhere. We poke to XXXX with Employee ID XXXX and another individual with employee XXXX but we were not able to make any advancement nor did it seem that my case is being handled nor given the due diligence due to the nature of the circumstances I am in. 

It is unacceptable the manner in which Synchorny Bank is handling the case. It was evident that there is mismatching information with the credit card information and my credit, as they were able to immediately determine the mismatched information, but they can not resolve the case and provide me with a deletion letter to reestablish my credit. Time is of the essence and everyday that passes by, I am at risk of losing thousands of dollars in a security deposit for my home. A balance of over {$4000.00} was sent to collection and upon calling Synchrony Bank, they determined that there were discrepancies with my information and the information they have on record. Again, I did not authorize anyone to open a credit card with my social nor did I authorize anyone to utilize my credit cards. The last four digits of the account are-XXXX.
Product: Credit reporting or other personal consumer reports

I have provided all necessary information and expect the listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice to comply with my rights under the FCRA. Failure to do so constitutes a violation of the FCRA, and I will take legal action to protect my credit rating and myself if my dispute is not investigated and the information is deleted promptly. Each violation of the FCRA can result in damages up to {$1000.00} as per 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), ensuring consumers have recourse for willful violations of their rights.
Product: Debt collection

XX/XX/XXXX someone called back to back Yesterday XX/XX/XXXX someone from the company kept calling And now today, this morning before the day starts..at about XXXX someone called..I called the number back and it was MCM This is what prompted my complaint because prior to today I never called the number back, so I didn't know who it was just that they kept calling, but because they called so early I wanted to know who it was, plus it's a local number.
Product: Credit card

Please see the attached documents. I am urging the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, contrary to their reported status.
Product: Debt collection

I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt from American Express. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of ve rifiable proof, they must remove the account listed below. This is not the first complaint I have filed- XXXX XXXX does not change their tactics and I am still having the same issue. **The CFPB has not helped either even though this has no t been resolved.