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

XXXX XXXX sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact XXXX XXXX, they transfer me from department to department or tell me to write a letter that they never respond to.
Product: Money transfer, virtual currency, or money service

I had an active pay pal that I would purchase and pay on my account.. never thought anything of it. On XX/XX/2019 I received a text message from PayPal that my account was having issues with fraudulent purchases. I called on it at first. They said they would be working with me together. I would hear from a department about my account.the next day I went down to our local sheriffs department filed a fraud complaint. I thought ok it was ok. Never heard back from PayPal XXXX They changed my account number.. I still made attempts to pay this in now XXXX. I was late plus in the hospital. Trying to figure out what the heck is going on. Then PayPal took out of my account double the amount allowed from what I agreed to. My bank had to step in. I called PayPal at this point multiple times.. now getting the run around. Was hung up on by one worker lied to by another. No one wanted to help me see what is going on with my account. I asked for a full print out of my account was told they couldnt do that.. had a couple other issues of pay pal trying to go into my account with our permission in XXXX my husband who works in corrections had enough of the issues coming from the fall outs of PayPal so did our credit union. I had to close my account down that I had for over 15 years.. this then caused a huge mess with all our direct deposits. I have freezed my credit so no one can run it. I am a XXXX year old woman not a young male buying razor video games online. This so far is what PayPal would only tell us.. my credit score has dropped horribly because of this. I work really hard at my credit. This bill is raising by leaps and bounds.. this needs to stop!
Product: Credit card

My name is XXXX XXXX, I filed an arbitration against National Credit Adjusters XXXX l.l.C., however, I have received a notice from the XXXX XXXX XXXX, informing me that National Credit Adjusters, l.l.C., failed to comply with the AAAs policies regarding consumer claims, out of compliance and therefore XXXX can not process any arbitrations with National Credit Adjusters , l.l.C. This means they are not only in breach of contract with me but with every other account, National Credit Adjusters , l.l.C is servicing. I am requesting the Consumer Financial Protection Bureau launch a class action against National Credit Adjusters , l.l.C, on behalf of all other consumers. This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting
Product: Money transfer, virtual currency, or money service

My mother sent me XXXX dollars so I can pay my rent. The money came out of her account but I am not able to receive it
Product: Credit card or prepaid card

On XX/XX/XXXX Bank of America EDD debit card closed my card as I was right in the middle of transferring my funds to our other account not affiliated with bank BofA. I assume they did so because they did not want me to transfer my funds. loss of interest?? who knows what excuse they have. But they should be charged for doing this to me. What grounds do they have?? EDD is still depositing my unemployment benefits to my account that I have no access to. I have called t he number on the back of the card and gave them the correct answers to security questions. But was told I had to call back to talk to someone in the Fraud department and they gave me no number said to call same number XXXX and they would have to transfer me but they where closed right now. I have called numerous times and the transfer just goes right back to customer service after it rings numerous times.I at this point dont think there is a fraud department that they have to have me speak with its just a game to them. How do they close my account that I have had since XXXX ( EDD ). and right when i am about to transfer my funds they close it down within seconds of me doing so. How can they even say Fraud when the IRS took a lien on my account last month and took XXXX from my account there was no problem with Fraud obviously that should clear up any fraud issues.. i mean they had to verify me with the IRS 4 weeks ago. I can not get print out of my account as they have blocked me I can not use my card because they will not open my account I have even since changed my pin number through EDD and my security questioins where I had to answer old ones to change I thought that would indicate there is no fraud on my account. The only fraud going on here is by bank of america EDD. I am a retired correctional officer and have had prisoners do less crime then the ones Bank of America is getting away with .. I still have no new card and my card i have in my presence is still closed. nothing is getting done and I have done all I can do. HELP PLEASE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 4 Bankruptcies reporting on my credit report that do not belong to me. The items were all previous disputed and removed but reinserted without notification or proof of verification that meets FCRA requirements which violates my consumer violating rights so I am filing this complaint prior to litigation for punitive and actual damages. The four public records ( bankruptcies ) listed do not belong to me and both the courts that are alleged to have provided the information and XXXX XXXX the secondary party I was informed Experian used to gather the incorrect info have both stated to me they have no record of these bankruptcies in my name and connected to my SSN.
Product: Checking or savings account

A merchant charged my account after it was canceled. I received a provisional credit and then it was returned causing my account to go in the negative.
Product: Prepaid card

I already have a case with CFPB. It's been over 15 days and I haven't heard anything. Actually it's been well over 2 years since I made the initial claim. Money was stolen from my account and if you look at the name of the person who stole it and you'll see he's since been arrested for fraud. If you look at the transactions my understanding is that he used XXXX XXXX  and paid from an account that is clearly not his both XXXX account and bank account. I have requested a new card and they have not sent that or corrected the issue nor have they communicated with me
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion due to their failure to investigate and resolve inaccuracies on my credit report. 

On XX/XX/2024, I mailed a dispute letter to TransUnion via XXXX certified mail tracking # XXXX, requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my report. 

According to XXXX tracking, my dispute letter was delivered to TransUnion on XX/XX/2024. Despite my detailed and thorough request, I have not received any investigation results or communication from TransUnion. It has now been more than 30 days since my submission, which exceeds the timeline mandated by law for completing investigations. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of any information in their credit file. XXXX lack of response or action constitutes a clear violation of my consumer rights under the FCRA.
Product: Debt collection

Between XX/XX/2023, and XX/XX/2023, I requested signed contracts or arrangements from this company called " WayPoint ''. They have failed to do so. They just reply back with a bill that means nothing. They're requesting over {$1200.00} in payments.
Product: Payday loan, title loan, personal loan, or advance loan

I had a large loan taken out in my name that I did not authorize, I did not sign off on. I kept telling the bank that I didn't take out the loan that I didn't create the account that I didn't know any of the information. They sent the loan to collections and I got sued. I just got the Truth in the Lending Disclosure and there is a discrepancy, besides not knowing who the joint borrower is. It shows we live together. My name and the address are correct but I don't live with anyone. The signature is electronic, I didn't sign that form.
Product: Vehicle loan or lease

Theres XXXX car dealerships I have issues with XXXX XXXX XXXX earlier this year in XXXX went there looking for a cash car they took XXXX dollars from me they took advantage me at the time because I was desperately looking for a suv they didnt tell me the car was as Is and the car broke down on me the next day I got it they also didnt tell me that they didnt have a 30 day return policy and they also is false advertising none of the vehicles are cash like they say American dealer sold me a car with a different vin number they was under investigation and took my car from me after I made all my payments they lied to the finance company west lakes financial saying I didnt want my car anymore and that was a lie so all my car payments when down the drain because they were doing fraudulent activity with the vin numbers on the cars and didnt want to get caught they made fake letters making it seem like the company was writing those letters and the company never wrote the letters I recently got a car in XXXX from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I was making payments but my loan wasnt going down can you please pull my contracts from all XXXX companies please
Product: Debt collection

On XX/XX/XXXX, 2017, I received a phone call from a XXXX XXXX, claiming to be from Jonathan C Frank and Associates. He claimed that he had two charges in his office that they were going to file reference to a bad check and check deception. He did not say where they were going to file this. He goes on further that I owed XXXX on a loan I received from a company called XXXX. I asked for his address, which he gave as XXXX XXXX XXXX, XXXX Texas. I then asked him to send me validation of the debt before I will speak with him about any debt that I owe and to stop calling me. He then started to yell, stating that he wo n't argue with me, he doesnt have to send me anything, and he will file criminal charges against me and someone will be at my house to arrest me. I was called from XXXX. I XXXX that number and learned that this is an attempted scam to defraud people and steal their identity. 

I looked up Jonathan C Frank on the Texas Bar Association website and saw that he is a licensed attorney. I attempted to contact his phone number listed of XXXX. I did not get an answer. He is not listed as a debt collector either on his bar information or via the Secretary of State in Texas. 

He does have a website of http : //www.jonathancfrank.com/, however, a whois search revealed that this is registered to an unknown person in Utah. XXXX searches also revealed that this may be a fake site using XXXX XXXX 's information.
Product: Debt collection

I dont have a relation with this company. They are trying to collect a debt I was not sued for. I filed a human rights complaint with HUD NYS they are being prosecuted as if XX/XX/year>. After the property manager XXXX XXXX unlocked my door and allows the resident cop to XXXX XXXX XXXX with CPS she was trying to not renew the lease after months of repeatly harassing us. She kept violating the laws and violated privacy rights when she unlocked my door and had the maintenance man break through the deadbolt my son was terrified he was XXXX XXXX XXXX XXXX XXXX. She evicted us XX/XX/year> in housing court the highest amount you can be sued for is {$3000.00}. I have no relationship with them Human rights has my address with them XXXX XXXX XXXX XXXX NY. These people are criminals and committed crimes against my family and I. We were the first residents and lived there for XXXX  years. What went wrong I told her I filed a lawsuit against a predatory man. While living there we were harassed by another resident the cop that took my son asked me to sign a violation against him his name was XXXX XXXX he lived in XXXX XXXX I lived in XXXX the cop lived in XXXX. Then she went crazy and I filed XXXX and did not prepay the rent as I did the prior years upfront. The property owners law firms sealed the arrest and XXXX  against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I moved out of the apartment at XXXX XXXX, I was charged {$810.00} for damages that I did not do. I reached out to the property, and they made the corrections. I then received a balance sheet that reflected the correct amount of {$330.00} ( I have the proof ). 

Despite the correction and the paperwork showing the correct amount, the amount they keep reporting to the credit bureau is the first amount of {$810.00}. I have disputed this with them and the different credit bureaus several times, and nothing has changed. XXXX XXXX insists that I owe {$810.00} when I have proof of the contrary signed by XXXX XXXX. 

At this point, I want it completely removed. As the consumer, I have done all I can, and they continue to lie to me about the balance owed. I have tried to fix this so I can pay the balance, but they will not make the changes despite the proof from their office.
Product: Debt collection

Portfolio Recovery Associates is attempting to collect a debt that has been settled with them in XXXX 2015. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX XXXX XXXX Acct # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " XXXX and Equifax " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 90 Days XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 90 Days XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 90 Days XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 90 Days
Product: Debt collection

I have filed a Police Report with the XXXX Police Department and Submitted the Police Report via Certified mail to all 3 bureaus Experian, XXXX, XXXX. Requesting to delete all fraudulent accounts written on the police report and FTC report submitted XX/XX/XXXX. They have not deleted the accounts. 
I respectfully request the help and assistance of the CFPB to assist me in removing these negative fraudulent accounts from my consumer report as per 15.USC 1681 E. Experian XXXX XXXX, XXXX ( VIOLATING MY RIGHT TO PRIVACY BY REPORTING INCORRECT INFORMATION ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX Account number XXXX. 
Amount {$220000.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount {$21000.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount {$3700.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$9300.00} Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Amount {$10000.00} Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Amount {$25000.00} Date XX/XX/XXXX
Product: Credit card

I am completely XXXX off with American Express.Their XXXX everyday card is supposed to be good but the way they handle their customers is horrible.I have been almost harrased by them.I recently moved in from XXXX to XXXX and changed my address on all my bank accounts and then applied for the card with American Express.I applied on XX/XX/XXXX.After 15 days because there was no reply i followed up with them.They said your address doesnt match and hence send us a signed bank letterhead.They wasted 15 days here and didnt care to even tell me if it wasnt for me to call them.Next thing i got it from my bank and immediately faxed them twice just to be on the safe side.After following up with them for 10 continuous days ( I am not even exxagerating ) and speaking to countless agents and their managers still i get the reply that they havent received it.So now i mailed it to them via USPS and it has been delivered on XXXX I called in today on XX/XX/XXXX and still they say the same thing.Nothing has been received. I have been literally mentally harrassed, tortured by calling them daily and speaking to some really rude agents who make fake promises of call back.I dont want anyone else to go through this trauma.I am definitely not going to receommend AMEX to anyone and even if my card comes through do you really think i will use it, i will promptly send it back.I asked them that i have waited for 40 days, i want a credit reversal on this, for that also they arent agreeing.You can check their call logs which were recorded for quality and training.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my personal information to obtain credit causing an inquiry to be reported on XXXX XXXX, 2022 by XXXX XXXX 

XXXX REPORTED ON XXXX XXXX 2022. 

XXXX XXXX REPORTED ON XXXX XXXX 2022 AND XXXX XXXX 2022. 

XXXX XXXX XXXX REPORTED ON XXXX XXXX 2022.
Product: Credit card

I had a sick pet XXXX at the XXXX animal hospital in XXXX XXXX. The XXXX suggested I could pay for the procedure with Care Credit 18 month interest free. Having no money for the procedure it sounded like my only option at the time so I signed up. I set up my payment plan and started making monthly payments. I continued to pay on a monthly basis and thought I would be paid off by the time interest would start to accrue and it would be minimal at the end of 18 months. In the mean time follow up visits to the vet were necessary and paid for on care credit. I continued to pay monthly payments for roughly 3 years. My statements were electronic and I set up automatic withdrawal from my bank account. Thinking I was close to paying off my debt I went on to the care credit website and intended to pay the remaining balance in full. I was shocked. I now owed more than my original balance. I owed even more than my entire credit limit with them. The customer website was no help. I can log in, make a payment, and see my balance, however it is unclear what I am actually paying for and there is no history of my original transactions. I found it odd that the account history was not available save that I made my regular payments for the last few months. I contacted customer service and they explained that I owed them all the interest at 26.99 % as it was n't interest free, it was actually deferred for the 18 month promotional period. This was never explained to me when I agreed to use this credit line. I asked what I could do about deferring the interest and paying my remaining balance. Customer service told me I could resolve this and settle my account by paying my balance in full including the 26.99 % interest. Upon inquiring what other options were available I was told I could go into default, which would adversely affect my credit. Pay them or ruin my credit. I then requested a paper copy of my account history, which I now have. After researching if this has happened to anyone else I came across this article on the XXXX website : XXXX XXXX This is what happened to me. I am willing to pay what I owe on the terms I agreed to. Not what I unknowingly and unwittingly agreed to. I believe I was deceived by GE Capital and Care Credit and have been taken advantage of. My debt has been more than paid in full and at this point I am just paying interest on a balance consisting of interest. GE has made enough off money of my misfortune.
Product: Debt collection

I have asked them so many times to direct communications to my attorneys. Today they just hung up when I said. Then they emailed that to talk to my attorney they needed my attorney 's social security number. I talked to the dept of commerce who said they can't require that to direct communication to my attorney under the FDCPA and to report it to the CFPB. I hope you guys actually do something with it because they are super aggressive and nothing I do or say helps. My attorneys have tried contacting them directly and they just say they won't talk to them, even when I'm on the phone to approve it. Please help me. They are going to drive me completely insane.
Product: Credit card

I am rebuilding credit following a chapter XXXX bankruptcy discharged in XXXX XXXX. I have limited new credit established and decided to apply for a Chase Freedom card on XXXX/XXXX/XXXX which was described to be the type of credit card good for those with previous credit challenges or need a second chance. I had not receive a response on the application after more than 30 days. I called Chase XXXX XXXX around XXXX/XXXX/XXXX to find out the status. I was told the application was denied and a letter was sent to me. I did n't receive it so I requested a copy to be mailed to me again. The representative said he would process my request. As of XXXX/XXXX/XXXX, I had not received the denial letter, following my request for a copy. I called again and asked to speak with a Lending Supervisor to express my concern. I finally received the denial letter dated XXXX/XXXX/XXXX which is over 60 days from the date of my application. Additionally the letter says I applied for the Chase Slate Visa XXXX credit card which is the incorrect product. I believe Chase did not handle my request within regulations regarding the product type and timing to send me a response on the credit decision.