23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Investigator XXXX contacted a contractor i worked for and stated he was investigating me for Fraud In XXXX County. He has also left voicemails on my phone as well as my wifes stating the same thing. The debt is in reference to a payday loan with Ace Cash Express. They have threatened legal action for fraud and civil action. This gentleman has contacted family friends and work. stating that i am being investigated for fraud.
Product: Debt collection

I received notice from Progressive management Systems that they were collecting a debt from XXXX XXXX XXXX XXXX I submitted in writing within 30 days that I dispute the debt and that I have explanation of benefits from XXXX XXXX that show the amount owed which is significantly less than the amount XXXX XXXX XXXX is showing. Also, XXXX XXXXXXXX XXXX never gave me credit for payments made on-site to the account. Under the FCRA the collection agency is not allowed to continue collecting this debt until they provide certain information, which they have not done. On XX/XX/ I received further communication from PMS attempted to collect the debt even though they never responded to my dispute which was timely filed under the law. This is in violation of the FCRA.
Product: Checking or savings account

My paycheck gets direct deposited into my capital one checking and it is not there. Company said it would be there by end of day Thursday, then Friday morning and its now Friday afternoon and still no deposit. They are now saying Saturday morning but whats the truth. Also its a holiday weekend and Im down to {$20.00} after all my bills withdrew and I still have bills pending that will bounce and incur late fees. Theres a 2 hour wait to talk to a representative and thats if you dont get disconnected or hung up on. If you do get through its the same generic line- were sorry were working on it.
Product: Money transfer, virtual currency, or money service

I received a payment in my Venmo app and moments later they suspended/froze my account for a reason they've yet to specify. The department that handles the research into these situations won't communicate except through email which is the most inconvenient thing when you have a situation like mine. That payment I received was to go to someone else who has now been basically threatening me. They can have the XXXX account and do whatever, I just want the money off and they won't answer me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 or other personal consumer reports

I have been trying to get my report fixed for months with all 3 agencies Transunion, XXXX, XXXX. I have several credit cards missing from my reports. I have written letters and called, and I keep getting the run around to contact the credit card company. I know the are reporting because its shows on other reports. 

Transunion- is missing XXXX XXXX. XXXX  XXXX and XXXX XXXX. The XXXX XXXX was showing but they recently removed it and my score dropped XXXX points. 

XXXX is missing my student loans, XXXX XXXX, XXXX XXXX. 

XXXX is mussing XXXX XXXX, XXXX XXXX place and XXXX XXXX, and XXXX  XXXX. They recently removed XXXX XXXX and it dropped my score XXXX points. All of these accounts are open with XXXX balances. I only have a balance with XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX a unknown charge was authorized to the account ending in XXXX. I contacted Capital One Customer Service and was told I would need to have my debit card replaced. I explained that this is not a great time to have no access to money, so I will wait till the following week. The rep stated he was unable to do so, and cancelled the card anyway. I explained that I would need to have the new card expedited. He said it would take 3 business days. in the meantime, I attempted to use the other. features on the account, only to find out that those did not work either. I called several times between XX/XX/XXXX - XXXX. I was walked through every possible way there was in an effort to obtain funds. Each time nothing worked and I was told there was nothing they can do. Meanwhile, I was told several times the account does not have any security locks on it. 

XXXX received my debit card. attempted to activate it, and nothing. Contacted customer service and was told the problem would need to be expedited and would take an additional 25 days for it to get activated. 

I am currently in the process of trying to move due to an eviction. I have been unable to provide funds to the new place and am essentially left with nothing and will be homeless in a manner of hours. 

I would like to report Capital One Bank for their inability to provide a working and functioning process for obtaining funds. Why is it so easy for my information to get leaked and my accounts to get hacked, but they are unable to help the account holder manage their personal finances, This bank should be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX Credit card in my name in the mail. I called the fraud dept and was told that since I was added as an authorized user to an account, my ex husband added me without my permission, I would be responsible for any unpaid balance and it would be reported on my credit. I was also told that I could not remove myself from the account even though I didn't sign up as an authorized user. He was my ex fiance and knows all that information so how can I be held responsible because he added me as an authorized user and doesn't want to pay his bill?

The Fraud department states the all you need to add someone as an authorized user is their SS number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am issuing a complaint against XXXX XXXX XXXX as well as National Credit Systems. I was a tenant with XXXX XXXX XXXX for roughly 6 years. When I moved out in 2021, I did a walk through with management, turned my key in along with my badge to the gate and fitness center. Management stated the apartment unit was in good condition and that all balances were satisfied. They did not mention any additional fees such as cleaning fees or anything of that nature. On XX/XX/2021 I received a balance due email reflecting a balance of {$0.00}. Several moths later I was contacted by National Credit Systems stating that they had purchased a debt that I had with XXXX XXXX XXXX. I advised them that the charges were bogus and that I had received an account balance of {$0.00} from XXXX XXXX XXXX and asked them to remove the charges. Instead they reported to all three credit Bureaus ultimately resulting in my credit score being negatively affected as well as causing me to be denied for an apartment to which I lost {$300.00} for application fees, etc. I disputed with all three credit bureaus and they all came back and said they contacted National Credit Systems who stated that the charges were valid although I provided all three credit bureaus with the letter of XXXX account balance. This entire situation has caused me a lot of unnecessary time and energy. I am submitting a complaint against XXXX XXXX XXXX for bogus charges. I also wrote a negative XXXX review for them and much to my surprised there were multiple XXXX reviews stating that XXXX XXXX has also done this previous tenants. I am also issuing a complaint against National Credit Systems for not doing their due diligence and reporting these bogus charges to the credit bureaus. Thank you.
Product: Checking or savings account

Chime online bank closed my account today with my funds inside saying they will mail me a check in 30 days. I have no access to my funds and I feel like I have been robbed. They didnt notify or warn me about closing my account. Very random time to closed my account and would not give me specific information why they closed my account!. Im very disappointed due my responsibilities with bills and direct deposit coming in. I have no funds right now thank to chime. They need to be investigated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments on my XXXX XXXX file, specifically related to 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 Upon reviewing my credit report ( Reference Number : XXXX ), I noticed that these late payments are inaccurately reported, which is adversely affecting my creditworthiness. 
Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 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 any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as Paid on Time or OK.

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands. 
Please initiate an investigation into this matter immediately. According to the FCRA, you are required to conduct this investigation within 30 days of receiving this letter. Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made. 
I thank you in advance for your cooperation and expect a prompt resolution.
Product: Debt collection

I am writing to file a complaint against LVNV Funding LLC XXXX of Resurgent Capital Services for their violation of my consumer rights under 15 USC 1692c ( c ), part of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the code states that if a consumer notifies a debt collector that they refuse to pay a debt, the debt collector must cease all communications with the consumer, including communication to credit reporting agencies. 

On XX/XX/year>, I notified LVNV that I refuse to pay a debt they claimed I owed, as I believe the claim to be inaccurate and unfounded. Despite my notification, LVNV has continued to communicate with me through letters, and has also reported the alleged debt to credit reporting agencies. 

These actions are in direct violation of 15 USC 1692c ( c ), and I believe they represent unlawful harassment and unauthorized reporting, causing me distress and potential harm to my XXXX XXXX. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that LVNV ceases all communications with me and removes any reports of this alleged debt from credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting

# 1 Experian is reporting XXXX as well as XXXX funding and it is the same account. that is double jeopardy and must be removed as only the company that actually holds the account can report the account. If they are both reporting it, it looks like I owe twice the amount on my credit summary. The original creditor does NOT hold the account anymore, therefore it must be removed or must show that it was transferred to another company, which it does not. Please see credit report that is attached. 

# 2 I 've notified Experian that they have the wrong filing date on the bankruptcy and they came back saying that " bankruptcies will stay on your credit report for 7-10 years ''. I never asked how long they stay on there! I also wrote the court and their response was that they dont do any verification whatsoever with the credit bureaus and so, in consideration of the fact that they can not verify this and that they are reporting it incorrectly it must be removed. In addition, I did not give my authorization for them to report it on my credit file pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
Product: Debt collection

I acknowledged receipt of the NCC debt collectors communication regarding an alleged debt that I owed in XX/XX/year>. Upon request by the NCC debt collector representative, I promptly submitted a dispute and provided supporting documentation via email on XX/XX/year>. Despite following up on the status of my dispute on XX/XX/year>, I did not receive any additional communication. The representative stated no one had gotten around to my dispute. 

Furthermore, on XX/XX/year>, at XXXX am I received a phone call from an NCC debt collector ( XXXX ) demanding payment for an outstanding toll violation debt. The collector also mentioned that the courts would not show leniency. I informed him about my dispute I filed and the lack of responses I had received. To conclude the call, I requested debt verification, to which he assured me it would be sent by mail within the next few days. I did not received any correspondence, whether by mail or email during the month of XX/XX/year>. 

Overall, I disputed the debt by submitting my XXXX XXXX Transaction History which reflected I did not have any negative balances during the months/dates in question, which is why I was confused on how I owed any money for tolls. When I explained this to the NCC debt collector representative, she was confused as well. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. It is the debt collectors obligation to respond within thirty ( 30 ) days of the initial request, which was made on XX/XX/year>. Failure to provide the requested information within this timeframe is considered a waiver of my claim. Consequently, the debt collector must remove this debt from my credit report and cease all collection efforts. 

I am writing to formally request the cancellation of the alleged outstanding debt, referenced as XXXX, due to NCC 's negligence in responding to my emails, mail, or phone calls within the required timeframe outlined in the FDCPA. 

I received copies of toll violations during the week of XX/XX/year>, eight months after the required timeframe to validate the debt and no response to my dispute regarding the proof I submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agencies, XXXX, Equifax and XXXX ; I'm getting anxious every time i looked at my credit report with those alleged negative items listed below because you're failing to truthfully investigate my previous requests. Sorry, my English is not that perfect, but i'm stressed out. There is no way that your company can say that they complied with my investigation because there are still multiple errors, incomplete, and unverifiable information. 

Here are the 3 items I'm concerned about and I demand an immediate deletion. ( XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; & XXXXXXXX XXXX XXXXXXXX ). As you can tell, those accounts still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies.

Plus, for the last 3-4 months, I'm getting generic template responses from your agency. It's my understanding reading the recent articles from cfpb website that Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond.
Product: Credit reporting or other personal consumer reports

There is a " XXXXXXXX XXXX XXXX XXXX XXXX '' card on my credit report that is NOT mine and I have no knowledge of where it came from. I disputed it both through XXXX and TransUnion and neither were able to get it off my report. This is now severely affecting my XXXX XXXX and need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a car loan with Santander consumer USA with a high interest rate of 24 %, because I want to improve my credit score. Since I got the loan in XX/XX/2018 I always made my payments on time, but they won't report it to the credit bureaus unless I request an investigation from XXXX bureau. I spook many time with Santander consumer USA customer, but they won't fix it, and report each month. I don't know how should I get my credit score improved if they don't report to the bureaus. I pleased you to help me out with this, becasue I don't know what to do anymore thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company never proved their methods of verification through several stages of written credit disputes : -US BKPT CT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( this company then illegally sold my information to another credit company in the process of these letters being sent ) XXXX XXXX XXXX XXXX  -Attorney GeneralXXXX XXXX  -Dept of EdXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.
Product: Payday loan, title loan, or personal loan

I used AfterPay to pay for a product I purchased on XXXX XXXX website. The item was never delivered to me. AfterPay still required me to pay every single payment for an item I never received and was never refunded for. I contacted AfterPay on XX/XX/22 and continued to speak with them via email through XX/XX/22. In the end I was forced to pay the entire {$60.00} for a product I ordered on XX/XX/22 but never received. Both XXXX XXXX and After Pay recognized that my order never arrived and was never even delivered to my apartment, but refused to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020I received a statement from my insurance company, XXXX XXXX, staing that my premium was " based in part on information obtained from LexisNexis. ". They provided a toll free number for LexisNexis ( XXXX ). I called the number and requested a copy of my credit report. 

On XX/XX/XXXX, I received a letter from LexisNexis dated XX/XX/XXXX. In the letter, they said, " LexisNexis has conducted a search of its databases based on the information provided to us, but was unable to locate a file sufficiently matching your data. '' So, in essence, I received no report.

On XX/XX/XXXX, I phoned LexisNexis. I explained the situation and the woman said she would mail another letter within 7-10 business days. I never received a letter.

On XX/XX/XXXX, I phoned LexisNexis again. Once again I explained the situation to someone who only identified himself as " XXXX ''. I asked for his personal identifier, and he just repeated " XXXX ''. He said, " For some unknown reason, no report was previously sent to ( me ). ". He said he would be sending me my report within 7-10 business days. I never received the report.

On XX/XX/XXXX I checked the XXXX  website and did a search for LexisNexis in XXXX, Georgia. All the reviews for the company were ( 1 ) star. All of their responses to complainants were in a canned, form letter format. 


On
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw three medical bills reporting from COLLECTION MANAGEMENT for XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$660.00} ; one account from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in the amount of {$720.00} and one from XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$680.00}. 

These are all incorrect as I have been in and out of prison and have been homeless, something I let the triage nurses know prior to services rendered. I completed the financial assistance forms to ensure services were covered. I am very surprised to see these bills reporting to my credit. I never received any correspondence about these debts or how to dispute them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX till currently committing fraud as well as XXXX XXXX and XXXX XXXX XXXX with 4-5 derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of them
Product: Credit reporting or other personal consumer reports

Discovered billing errors on my report showing late payments, which dont match my payment history. Please update.