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

My credit repair company XXXX completed a credit repair on 4 accounts that were already closed accounts and showing as closed on Equifax credit report. 
The accounts were from the following creditors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After the dispute was completed these accounts which were charged off and closed prior to the dispute are now all showing open. 
This change from closed to open devastated my credit scores and resulted in me not being able to purchase a home due to Equifax reporting. 

I attempted to contact equifax to inform them that their report is now showing charged off accounts as now open and this needed to be fixed. 

Equifax was very difficult to get in touch with and I was hung up on by many representatives in getting this issue resolved ( believe due to poorly trained associates ). 

I explained to the supervisors on XXXX and XX/XX/2021 that I couldnt understand how is it possible for all 4 creditors to all of sudden update all of these previously closed and charged off accounts to open status.? 
However, all of the representatives at Equifax insisted I had to open another dispute with all 4 creditors to update the account statuses back to closed. 

I also spoke with a manager at Equifax on XX/XX/2021 and asked if they could assist me in calling the creditors to validate the accounts as being closed but they refused to assist in this way and they informed me that Ill have to wait until the dispute resolve which could take up to 30 days. 

I also contacted all 4 creditors and they informed me that they were reporting the accounts as charged off and/or closed and that I needed to speak with Equifax. 

As a consumer, it is very frustrating and detrimental to my financial future when creditors and credit bureaus dont reflect accurate information and the consumer is caught in the middle with delays after delays and more delays. 

I am also considering legal action against Equifax for this issue. 

I also advised Equifax that XXXX Equifax data was accurately showing these 4 accounts on XX/XX/2021 as closed, so why is XXXX correct but not Equifax???
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone : XXXX Email address : XXXX Subject : Formal Complaint Regarding Collection Accounts on Credit Report Complaint Details : Account Information : Creditor Name : XXXX Account Number : XXXX There are inaccuracies on the dates that the account was opened. 

Creditor Name : XXXX XXXX  Account Number : XXXX There are also inaccuracies on when the account was opened and the current status of the account Creditor Name : XXXX XXXX XXXX Account XXXX Issue Description : I am filing this complaint to dispute the collection accounts listed on my credit report from the aforementioned creditor. These accounts are negatively impacting my credit score and financial well-being. I believe the creditor has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S. Code 1692g - Validation of Debts : Under 15 U.S.C. 1692g, I have the right to request debt validation. I have not received proper validation of the debts from the creditor. The collection agency is required to provide verification of the debt, including the original creditors name and address, and a copy of any judgments. To date, I have not received any such validation.

2. 15 U.S. Code 1692c - Communication in Connection with Debt Collection : According to 15 U.S.C. 1692c, the collection agency is restricted from communicating with me at inconvenient times or places without my consent. The collection agency has contacted me at inappropriate times and/or places, which I believe is a direct violation of this provision.

Documentation : I have attached the following documentation to support my complaint : 1. Copies of my credit report showing the disputed collection accounts.

2. Any correspondence between myself and the collection agency regarding debt validation requests.

3. Records of communication attempts made by the collection agency, including dates and times.

Request for Resolution : I respectfully request the following actions to resolve this issue : 1. Immediate removal of the collection accounts from my credit report due to the failure to validate the debts as required by law.

2. Cease all communications from the collection agency regarding these accounts. 

Signature : XXXX XXXX XXXX
Product: Debt collection

I have received a collection attempt letter from Cedars Business Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX in regards to traffic ticket from XXXX XXXX in the amount of XXXX euros. The incident occurred in XX/XX/XXXX. The car that I was renting. at the time was caught on traffic camera driving in public transportation lane. I was never properly notified about this ticket. The police in XXXX mailed certified letter and XX/XX/XXXX that I never received ( I had mail theft problem that I reported to local police in XX/XX/XXXX ). I offered collector via email to pay the original ticket amount of XXXX XXXX administrative fee stated in a copy of the letter that I never received. It is approximately {$120.00}. The collector is requesting total of {$390.00} of unexplained fees. I was never properly notified about this and I believe that I should not be additionally penalized. This is well known problem with this agency and XXXX police in XXXX reported in many internet blogs in US.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, I sent a debt validation request to Credit Management LP regarding an account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) with a balance of {$640.00}, which pertains to XXXX  bills incurred after I vacated the property at XXXX XXXX XXXX, XXXX, XXXX. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), Credit Management LP is required to cease all collection activities, including reporting the debt to credit bureaus, until they provide proper validation if disputed within XXXX  days. Despite my timely request, they failed to validate the debt. 

In response to CFPB Complaint No. XXXX, submitted on XXXX XXXX, 2024, Credit Management LP acknowledged that they had " notified the credit bureaus to remove this tradeline from XXXX XXXX credit report '' but admitted that this " will not resolve the underlying debt. '' However, as of today, the tradeline has not been removed from my credit report, which is a violation of the FDCPA. The law is clear : If the consumer notifies the debt collector in writingthat the debt, or any portion thereof, is disputed the debt collector shall cease collection of the debtuntil the debt collector obtains verification of the debtand a copy of such verification is mailed to the consumer by the debt collector. ( 15 U.S.C. 1692g ( b ) ).
Product: Debt collection

The agent could not find the account that is being reported on my credit report. The agent also said that she saw a different amount.
Product: Debt collection

On XX/XX/2020 XXXX Submitted a response to the complaint that was blurry from pages 4 to 13. No images can be seen from their collection fee that was agreed upon or ever told to the servicemember. If consumer finance can review the entire file before closing the complaint it would help everyone involved as the so called explanation is unreadable please. 

TSI can not provide any documentation on fees. I've had the funds for some time to pay the principle and interest off but am unable to as they wish to collect a fee. 
I have constantly asked for paperwork regarding their collection fee and none can be provided. This is happening to every veteran who unfortunately defaulted on the star card. I've had the funds to pay for awhile now, however TSI has and is continuing to charge an illegal/ unexplainable collection fee of over {$1400.00} In the attached file the response from TSI was : " Please be advised that the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor, or as otherwise provided by applicable law ''. 

No where indicating a fee, followed by a unreadable/ blurry statement ( pg 4 to 13 )
Product: Credit card or prepaid card

Macy 's Credit card.
In XXXX 2017, this credit card company was faxed with receipt and mailed a power of attorney ( POA ) to take control of the account away from the primary account holder due to XXXX. My wife and I were given custodial control. Macy 's ignored this and sent a letter stating that the primary account holder had to approve. We had the attorney get involved, and the account was closed. This is after we were hung up on ( disconnected they said ) twice when we told them the attorney was going to get involved if they did not allow the properly executed and filed POA. We again wrote back with the POA and a letter stating to close the account.
We reviewed the account. Over the last year, my mother in law was making the payments the account reps on the phone told her to make to " settle the account ''. these payments were always one to two dollars below the minimum due. Each month, they were hitting her with close to {$100.00} of fees and interest due to giving her the wrong information and misguiding her.
In XX/XX/XXXX, we were given a final settlement amount, and we sent in a check. We then got a letter addressed to the original account holder stating they could not honor the request, and charging a " minimum fee '' of {$2.00}, and a late fee. We called several times, got hung up on several times, and after threatening legal action, the fees were removed. The agents reported the account was closed In XX/XX/XXXX, they again charged minimum fees, and ignored the POA. We again sent in the POA with a demand to close the account. Several 'disconnects ' later, the account was reportedly closed again.
In XX/XX/XXXX, when my mother in law in her XXXX state called Macy 's to make an order, she asked to have her personal credit card charged for a phone order. Macy 's again opened her Macy 's charge account and placed the charged on the Macy 's card. This was against her wished, ans she was told that they " had her personal charge account on file ''. This is after Macy 's had been notified in writing on multiple occasions that the person was not legally competent to do so, and the account was closed.
We called the next day to cancel the order, and move the charges to a Visa card. We were told this was done - it was not, and we started the whole cycle above again.
Product: Checking or savings account

A new account was opened with HSBC Bank to get a Welcome Deposit of {$370.00}. Despite completing the qualifying activities, the Bank is not paying the Welcome Deposit of {$370.00}.
Product: Prepaid card

Subject : Request for Explanation and Restoration of Direct Deposit Functionality Dear XXXX XXXX XXXX I am writing regarding an issue with my XXXX  account, as a direct deposit of {$360.00} from XXXX was recently rejected. I am concerned about the status of my account and am seeking clarification on why this occurred. 

To the best of my knowledge, I have not violated any terms of service. I have never engaged in fraudulent or suspicious activity, and I take pride in ensuring that all my financial transactions comply with the law and XXXX policies. This rejection has caused significant inconvenience, and I would appreciate your assistance in resolving this matter. 

Under the Electronic Funds Transfer Act ( EFTA ), financial institutions are required to notify customers of any restrictions or changes to their ability to receive electronic transfers, including direct deposits. Specifically, if my account has been restricted, I should have been notified in writing, as required by law. 

I kindly request the following : XXXX. A clear explanation of why my direct deposit was rejected. 
XXXX. Confirmation of whether my ability to receive direct deposits has been restricted and, if so, the reason for such action. 
XXXX. Restoration of my account to its previous state, allowing me to receive direct deposits without issue. 

I believe this situation might be a misunderstanding or error, and I am confident that any review of my account activity will reflect my compliance with all terms and conditions. 

Please let me know if additional documentation is required to resolve this issue. I look forward to your prompt response and assistance in resolving this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This account was closed on XX/XX/XXXX after XXXX XXXX XXXX XXXX XXXXXXXX and couldn't make any more payments. However, Bank of America is reporting that there were payments made all the way until XX/XX/XXXX, that I never did nor authorized. I reached out to them and they said they just see the payment but have no record of who made it how it was paid. I believe they are trying to adjust the payment history so it doesn't fall off of my report since it's already been more than 7 years since it closed, but they keep making adjustments to the payment history. After disputing it again earlier this month, they then updated it on XX/XX/XXXX, saying that there was a payment made in XX/XX/XXXX, but previously the last payment they could see was XX/XX/XXXX. I believe this is illegal because they keep adjusting the payments so it never falls off, and they're reporting it incorrectly so I still have to pay them. I also have proof of when the account was closed if needed as well.
Product: Payday loan, title loan, or personal loan

I have made 15 payments which total over the original loan amount but the amount of my original loan has not decreased by a {$1.00} it has actually increased by $ XXXX. Expected high interest but this is criminal ...
Product: Debt collection

Date XX/XX/XXXX Amount XXXX I am just recently seeing this false statements on my credit as I was trying to get things done and noticed this has effected my life my family and stress level is through the roof. 

Date XX/XX/XXXX Amount XXXX Date XX/XX/XXXX Amount XXXX This has really been a lot on me and I'm asking for this to be removed off my credit
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My identity was stolen back in XX/XX/2016. Multiple credit lines, banks, and other products were open under my name. My wallet was stolen and my drivers license, social security card and credit cards were stolen. Bank of American was one of the banks that opened these fraudulent accounts under my name. Now they have placed me in XXXX XXXX XXXX marked with a notation of fraud. I was never aware of these accounts being opened. I was never notified by bank of American and Bank of America has not validated that any of the accounts and checks that were cashed were mine, they have not provided me with any documentation with my signature. By law any fraudulent accounts that were opened due to Identity theft should be blocked and removed. Bank of America is in violation of many federal banking laws and the FCRA federal laws I have filed complaints with the OCC and my local attorneys general office. I am aware of my consumer rights and my father is an attorney. If this issue isnt corrected by Bank of America I will seek litigation to clear my name!
Product: Money transfer, virtual currency, or money service

My Gap did a recalculation and increased the amount for a car that had a total loss, they sent this increase directly to the Santander Bank where I had my car loan, this account had already been closed with the Bank, because the total payment had already been made They sent the check to be re-endorsed in my name and they supposedly sent it on XX/XX/XXXX of this year to my address, the check never arrived, Santander is supposed to cancel this check because it was lost and asked them to send me another one, I have spoken With more than XXXX agents during all this time trying to find out what happened to that money, now it turns out that the money does not appear, and Santander does not know how to give me an accurate answer as to what happened with that refund. My XXXX company has already paid that increase. on XX/XX/XXXX via XXXX to my loan number, more than 2 months have passed and I still have not received my money and now Sanarder wants to make me believe that that money never existed.
Product: Credit reporting

XX/XX/XXXX/XX/XX/XXXX the following inquiries were removed from my Transunion credit report. On or around XX/XX/XXXX, these inquiries were re-added without my being notified in writing per the FCRA Section 611. I would like to have these inquiries removed. 
XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX I attempted to resolve this directly with Transunion to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 3 Charge off accounts and 1 collection accounts on multiple occasions with all three credit bureaus and even with the CFPB and they still refuse to do a proper investigation. I have three accounts with multiple inaccuracies and even after disputing they still come back verified. So I proceeded to download my complete credit report and physically mark out the inaccuracies as I am entitled to a 100 % ACCURATE credit report at all times per FCRA and have found multiple violations under FCRA which I will be seeking legal reparations as they have prevented be from obtaining credit. I also have 1 Collection account from XXXX XXXX where they allege I owe a debt but have been unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. I will be listing the three accounts and their violations. 

XXXX XXXX XXXX XXXX {$530.00} ) Incorrect payment status Inconsistent Delinquency reporting Inconsistent and Inaccurate balance reporting Inconsistent payment history reporting ( payment chart and listed dates do not match ) Inconsistent and inaccurate date of last activity Missing Terms Missing high balance Account Comments/ Status inconsistent XXXX XXXX ( {$770.00} ) Last updated Dates : inconsistent Inaccurate and inconsistent Payment status Delinquencies : Missing or inaccurate Balance reported Inconsistent or Missing 2 Year Payment Chart : inconsistent reporting Older Derogatory events and 2 year payment history : dates do not match/ Missing XX/XX/60 late payment reporting : inaccurate/missing Close dates : inconsistent or missing Date of last activity : is inaccurate or missing Terms : are inconsistent or missing High balance : inconsistent or missing XXXX XXXX  ( {$260.00} ) Payment status : inaccurate and inconsistent Delinquencies : Inconsistent or missing Balance : inconsistent or missing 2 Year Payment Chart : inconsistent and multiple inaccuracies XX/XX/60 Day late payment reporting : Missing 90 day late payment reporting : inaccurate and missing Close Date : inaccurate and missing Last Activity : Inconsistent and missing Terms : inconsistent and missing Scheduled Payment : inconsistent and missing High Balance : Inconsistent and Missing Loan Type : In consistent and inaccurate Comments : Inconsistent/ Inaccurate XXXX XXXX ( {$2200.00} ) unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. 

All above listed are causing inaccuracies and violations under FCRA USC 15 1681 Failure to Correct violations will result in litigation. 
All evidence and complaints have been forwarded to the Attorney General of Texas for investigation.
Product: Checking or savings account

I have attempted to contact bank mobile due to my account being suspended. I have called the customer care phone number listed on the website 12 separate times to resolve this issue since XX/XX/2023. Every time I end up on hold waiting for at least XXXX minutes each time before being disconnected. Each call has been at a different time. It shouldnt matter what time due to the fact that its a XXXX hour hotline.
Product: Debt collection

For months I have been called by ( XXXX ) XXXX on a daily bases. I picked up a few times telling them I do not owe the alleged debt from 2019 XXXX XXXX. They do not stop. I have also reached out to XXXX who does not have information on this account. This is harassment. Sometimes every day, sometimes every other day. This isn't fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
US Dept Of EducationXXXX XXXX Account # XXXX, has violated the law and my rights under the following, 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

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 which was violated.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( III ). The law clearly states that if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.