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

I have an account on my credit report that is closed and shown as charged off with a balance due of {$13000.00}. This is by XXXX XXXX XXXX XXXX Per XXXX XXXX, my account was issued a 1099-C for debt cancellation, but the account balance still shows {$13000.00}. It has not been updated to {$0.00}. XXXX XXXX XXXX will not let me settle the account balance with them as they have already issued a 1099C, and they still will not update my balance to {$0.00}. So I am stuck here with no other options! As of XX/XX/XXXX the balance on my credit report still shows {$13000.00}. I have also filed disputes against this with all 3 credit reporting agencies still yet to hear back. One did get back to me ( XXXX ) but did not actually resolve anything. That is why I am escalating this to CFPB to step in to help me get this resolved. I can not apply for mortgages as it still shows a balance and causing my credit utilization ratio to go over 70 % due to such a high of a balance, and I can not resolve this with the company either as they already issued me a 1099. 

I have attached my credit report for reference and I also did file a complaint with XXXX XXXXXXXX XXXX as well but I want this fixed on my credit reports as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX wrote of the " debt '' as a profit loss and did not provide XXXX 's on either account so that I can write it off as income, even though I have demanded it from them and referenced it in previous disputes with the credit reporting " bureaus '' that are not bureaus since CFPB is XXXX 

I need a XXXX on both charge off accounts. 

Under the FCRA, I can seek statutory damages if the creditor furnishes inaccurate information about a " debt '' such as incorrectly reporting charge-offs while still claiming I owe a " debt ''.
Product: Mortgage

Select Portfolio Servicing Acct XXXX Because of COVID, I was in forebearance with mortgage company. Forebearance ended in XXXX and I have called them since XXXX, XXXX  to get my new payments. This is log of my calls starting in XXXX. 
May Under Review XX/XX/XXXX Under review XX/XX/XXXX Under Review XX/XX/XXXX Under Review XX/XX/XXXX Under Review XXXX Under Review XX/XX/XXXX Sent requested hardship letter XX/XX/XXXX, Called in because I could not log in and to check the status and I am told I am not eligible to the repayment of my loan and that I've been referred for foreclosure. I was told by the service rep that SPS approved my repayment XX/XX/2022 and I had a window of XX/XX/XXXX to accept. 

So instead of approximately {$1800.00} a month I must come up with {$32000.00} to avoid foreclosure. My problem is that they did not follow their process or were they timely in completing my request for the loan modification and closed the door on me without making any other attempts to advise me of that opportunity. They did not follow their process of notification and they indicated because I am paperless I should have been checking their website. SPS should give me additional consideration since they did not follow their process and I did follow up as much as I thought was necessary. 

I am only behind in my payments because as a XXXX  in XXXX, I did not receive rent nor could I evict. It does not seem fair that I have to lose my building and home because I complied with state and federal laws and SPS was not transparent or timely in processing my forebearance request. 

All I want is to be allowed to accept the plan that was offered that I waited over 7 months to receive.
Product: Debt collection

XXXX XXXX XXXX, sold a paid debt to a collection company and put remarks on my credit report that reflect new activity on a collection paid XX/XX/2019. This has dropped scores significantly and is impacting my ability to purchase a home using FHA loan finacing. 

When I spoke to a representative at XXXX XXXX XXXX, he stated no information was available as the debt had been sold to another company. 

When I followed up with the company the debt had been sold to. Their automated system stated XXXX balance was owed. 

I believe the sale of a debt paid in full debt is in violation of the Fair Credit Reporting.
Product: Mortgage

My name is XXXX XXXX XXXX, and recently I was offered a modification trial period that simply I was not in a financial position to live up to. However, I can maintain a consistent payment history starting XX/XX/XXXX. Since I am a proud XXXX XXXX  woman, I have always lived a life within the rules when it came to fiscal responsibility. Over the past year I have faced multiple financial set backs that I believe your office will understand what the basis was for the recent financial hardship. 

1. My income from fiscal years XXXX through XXXX shows a drop in yearly income in excess of {$18000.00}. This was caused due to a reduction in overtime with the state of New Jersey. 
2. This past XX/XX/XXXX I was injured at work, which eventually brought on a XXXX in XX/XX/XXXX. This injury to my XXXX was very difficult to deal with on a personal level. My income from workmans compensation was not simply wasnt enough to cover my monthly expenses. That has changed and the attached paystubs show that even with the loss of several months of income, I am projected to earn over {$60000.00} for fiscal year XXXX. 
3. By Bank of America checking my credit you will see that I am now in the process of resolving a few charge offs and several medical bills. Most of these medical bills will be covered when my health insurance straightens out their responsibilities. The posting of medical collections so quickly s a  violation of the Consumer Financial Protection Bureau mandate to all credit bureaus on a XX/XX/XXXX agreement with all three credit reporting agencies that medical collections can not be posted until a 180-day timeline is established. I am filing separate protests on this abusive collection process with the CFPB. 
4. I am now back to work full time and my projections are to settle all charge offs by XX/XX/XXXX, and to start making my Bank of America payments on that date. 
5. I have an individual that is working with me without compensation on obtaining a restructured payment arrangement and possibly a reduction in interest rate. His power of attorney is attached as well. 

I understand that Bank of America is currently associated with two lawsuits based on systematic racism and other levels of discriminatory practices. It is not important to me at this time what the internal problems are with one of Americas largest banks. What I am interested in is being treated fairly in obtaining a modified mortgage with a more reasonable payment option. I am rebuilding my credit and at the same time healing from the XX/XX/XXXX XXXX. My perspective is quite clear, that I have always lived my life with the highest integrity. However, after several set backs that I will not get into other that what was already explained. I am now coming back stronger than ever. 

Please respond back to me immediately. If your office needs copies of my recent medical issues I will forward them immediately.
Product: Credit reporting or other personal consumer reports

Referenced account XXXX XXXXUS C 1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Grand Jury. This company has violated my rights.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app due to inadequate customer service and unfair practices, Which Violates XXXXWhich Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Checking or savings account

On XX/XX/XXXX I had unauthorized charges to my USAA account I had a total of {$1100.00} roughly stolen out of my bank accounts listed below through a pfishing scam. The bank denied my claim and gave me no reason as to the reimbursement for the fraud. The bank then stole another {$900.00} that was negative out of another account to cover the stolen balance. 

So I got robbed through scammers & then in turn got robbed by the bank for the negative balance stolen from the scammers. 

Accounts # XXXX # XXXX # XXXX
Product: Debt collection

We tried to create an online account following AMCOL 's instructions, but could not so we can not track any payments.
AMCOL assigned two different account numbers to the same bill of {$150.00} and sent statements for collections.
We have sent them copies of the bills, screenshots of the AMCOL site error message and a letter.
Product: Credit card or prepaid card

I applied for American Express few times. 

Each time i apply they deny my application citing the previous card i had with them has unpaid balance back is 21 years ago??? 
I filed bankruptcy in XXXX and US Bankruptcy district court dismissed 20 yrs ago. 

They can't deny me credit after XXXX yrs. I have XXXX score and all my financials are strong and stable. 

Please see attached the denial letter from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B CHILD SUPP   XXXX B CHILDSUPPORT XXXX XXXX XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX XXXX B XXXX XXXX XXXX B US DEPT VETS  XXXX B US DEPT VETS  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
Product: Money transfer, virtual currency, or money service

I purchased shoes on the XXXX XXXX   through PayPal using my debit ( used as credit ) card One transaction was XXXX and one was XXXX. 

I advised that these were fraudulent charges from a scam account. This account had scammed several others besides myself. PayPal denied it. Saying it was usual. 

. Not from the individual I bought from this time 2. PayPal has buyer rights yet denied mine 3. XXXX labels have been proven fake by a XXXX employee 4. The person I paid us gone cant contact
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with XXXX  on removing some accounts off of my credit reports due to me winning a case with a lawyer. XXXX has been trying to get them to contact me and I have received nothing so the process is now taking almost a year and it still is not complete. Multiple attempts have been made to removed them, with proof and they will not budge or communicate with me with their findings as they should. I have tried to make my own disputes and nothing has changed. I am not sure what else to do or how to have these items removed immediately. As I stated this process was started almost a year ago and it should not take this long.
Product: Credit card or prepaid card

I see multiple 30-60days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Payday loan, title loan, or personal loan

My identity was used to get a loan from Affirm.com for a trip thru XXXX. I did not apply for this loan. The trip was never used. I have tried many attempts to reach out to both Affirm and XXXX and they refuse to help me. They have now sent this loan to collection and it's having a terrible affect on my credit. I have tried every option with this company to have them remove this from my credit as I did not request this loan and they refuse to help me. 

I have been confirmed that the trip was never used, the loan was never used so there is no reason why it should be still on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under USC 1681. 


Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : TEXAS ATTORNEY GENERAL OFFICE : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX All accounts listed has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

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

15 U.S.C 1681s ( 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.
Product: Money transfer, virtual currency, or money service

Dear sir or madam, My original complaint : This is regarding my PayPal account created in my name : registered email address : XXXX My account was permanently limited with a vague explanation of their " terms of service. '' Only after I filed a complaint with the XXXX  did they give an explanation but it is not satisfactory. They said they will put a hold on my money for 180 days. At this time I have over {$600.00} in my account and it is a lot of money, and quite a hardship they are keeping it, during this pandemic. 

My updated complaint : After 180 days have passed, Paypal broke their promise and did not return my money. They accused me of receiving my earnings through XXXX which is not true. They took my balance and deducted it to XXXX, so Paypal basically stole my money, hiding behind their " terms of service. '' I want my money NOW, and I don't want to hear any more excuses from Paypal. 


Please help me. 

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

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

Deposits of checks and cash on several occasions inside the bank with the teller and I was not provided a receipt with the total deposit information. When I requested the slip with the total, I was told by the teller it would take a day for the money to be reflected in the account. I understand that the total should be on the statement and it also should show that estimate of the total even if I will not have the access to the money until checks have been cleared which usually takes a couple of days but the total should be on the receipt but the teller told me that was not the case. 

I have contacted the back because when I access the statements online it did not reflect the totals that I have deposited which I think was a mistake. I when directly to the back and talked to the teller and the bank manager and they stated that they could not access the account. I had my daughter come to the bank with me to help but they did not provide us with the statement right away. The back manager told us that he could not access the account and would call us back the next day because he would have to contact the main office. The system was not down but gave him the benefit of the doubt. The statement he provided 24 hrs later did not match what I deposit and the cash total was not recorded. I ask if he can provide us with the information on the cash deposit and what type of bills were deposited and he did know how to. I am asking to get a video or an investigation to find out what happened to the cash that was deposited as this happen several times both in my savings and checking accounts that are connected.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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 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 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX XXXX XXXX XXXXXXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Incorrectly reports three 30-day late payments in XXXX, XXXX and XX/XX/XXXX. 
Experian : Similarly reports three 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Also reflects three 30-day late payments in XXXX XXXX XXXX XXXX XXXX XXXX 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness.

Requested Resolution I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX