23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a debt supposedly through PayPal. I had an account that I closed XXXXXXXX XXXX ago. The debit says that as if XX/XX/22, XXXXXXXX XXXX later I somehow owed {$62.00} even though I didnt receive anything from PayPal and my account was at {$0.00} when I closed it. I called PayPal and they confirmed they didnt send any emails and couldnt verify the account that supposedly has a debt. The account number is XXXX. 

I tried the all XXXX XXXX XXXX XXXX and they are closed. Also, this is a scam so I dont want to interact too much.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 del
ivered to the consumer not later than 21 days before the payment due date.

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 1002 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: Credit reporting, credit repair services, or other personal consumer reports

Capital One canceled my account for non-use. I became aware of this on either XX/XX/XXXX or XXXX, 2021. They claimed they sent notification by the US Postal Service. I do not remember receiving it They could have sent it by registered or certified mail, but they did not. 
They could have sent by email, requiring a response from me that I received it. 
Again, they did not. I have my email listed on the Alert Page. 

I would never have let this account close from disuse because I have over {$2000.00} in reward miles. This closing also lowered my credit score by 3-4 points. 

Capital One is refusing to reopen my account, and are refusing to pay me the reward dollars that I have rightfully earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681C ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anti dates 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.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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

Under the stipulations of 15 US Code 1681 I ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, Equifax, and XXXX ) Arte required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report.
Product: Credit card or prepaid card

I received a XXXX  GIFT CARD from my work for XXXX dollars. I tried to go online and register it using the provided website ( XXXX ) and was given an error message. I found this website to be and act suspiciously as it wouldn't let me login into my account from any different computer I used. After a while, I gave up and called the Customer service number provided on both the website and gift card. I gave my card number to a person who could hardly speak XXXX only for him to mumble that my never-before-used gift card was flagged for misuse and I would need to be issued a new one for no given reason and it would take 7 to 14 days. I was very upset because this seems to be the case for this website/gift card company if you check any review site ie. XXXX. XXXX is a website that never works and it seems like the people running the site keep changing it so that it can not be accessed unless you use an obscure web browser, not like chrome. It is obvious that there is foul play abroad for a gift card company that is available in all major retails.
Product: Debt collection

LVNV funding is trying to collect of XXXX of which i don't owe. I've never done business with this company nor do i have any contracts with my signature on any of their company letterheads.
Product: Debt collection

Credit bureaus are incorrectly reporting a collection that was posted on my credit score from Fair Collections and Outsourcing ( based on an unjust bill from XXXX XXXX Apartments ). I broke my lease in XXXX of XXXX and only lived there for only 5 months. My apartment was left in the same condition as it was given to me but they charged me {$340.00} for painting, refurbishment fees. They have no proof that the apartment was left in poor condition to warrant this {$340.00} fee nor did I sign an agreement stating that Id be charged this amount from the complex if I leave the apartment in a particular condition. This collection has negatively impacted my credit score and Fair Collections and Outsourcing stated that they will not delete this collection from my credit report, even though I paid the collection off under duress. Additionally, XXXX, XXXX, & XXXX are still reporting this collection on my credit even though Fair Collections and Outsourcing has no proof of the apartment condition or paperwork that I signed agreeing to pay a particular painting fee. Since XX/XX/XXXX, Ive filed disputes with the credit bureaus and nothing has changed. Fair Collections and Outsourcing needs to be held accountable for not deleting an incorrect and fully paid collection from my credit report. The credit bureaus also need to be held accountable for verifying incorrect collections information on my credit score. 

Additionally, Fair Collections and Outsourcing verbally harassed me over the phone and threatened me to pay the unjust collection or they would sue me and ruin my credit score further! I demand justice for all consumers and will not stand to let Fair Collections and Outsourcing continue their manipulative tactics to take advantage of the public! Fair Collections and Outsourcing needs to be investigated by the Federal Trade Commission for deceptive and unfair business practices.
Product: Debt collection

To Whom It May Concern ], This letter serves as formal notice that you must immediately cease and desist from engaging in the following activities that are in violation of my rights " According to FCRA Section 605B it is illegal to report anthing on my credit report without my permission This conduct has caused and continues to cause harm, including but not limited to [ my credit not allowing me to do for my family Demand I demand that you immediately : 1. Cease and desist from my credit report Failure to comply with this demand may result in legal action, including but not limited to seeking damages, injunctive relief, and attorneys fees. Please govern yourself accordingly, as this letter serves as your final warning before legal proceedings commence. 

Reservation of Rights I reserve all rights to pursue any and all remedies available under applicable law. 

No Waiver This letter should not be construed as a waiver of any rights or remedies, all of which are expressly reserved. 

If you have any questions regarding this matter or wish to resolve it amicably, you may contact me this is the letter I sent and they did nothing to fix the problem
Product: Vehicle loan or lease

Their Explanation is that the interest is calculated daily so monthly statements minimum payment amounts vary which I understand. Ive tried to make additional payment to be applied to the principal but in several instances they apply the entire amount to interest, Ill give some examples : XXXX {$200.00} all interest XX/XX/XXXX {$1000.00} all interest XXXX {$1000.00} all interest XX/XX/XXXX {$1000.00} {$820.00} interest {$170.00} principal Missing statement XXXX {$1000.00} {$720.00} interest {$270.00} principal XX/XX/XXXX {$640.00} all interest XX/XX/XXXX {$770.00} all interest Ive called 3 times and keep getting conflicting answers
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECENTLY PLACED A FREEZE ON MY CREDIT PROFILE DO TO SOMEONE ACCESSING MY PERSONAL INFORMATION WITHOUT MY PERMISSION. I WOULD LIKE TO REQUEST A SECURITY PIN ON MY FILE ASAP!! PLEASE UPDATE INCORRECT DOB XX/XX/XXXX AND SS XXXX. My correct name and spelling are XXXX XXXX XXXX. Please remove any variations of my name they are not correct XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX opened XX/XX/XXXX, bal. {$34000.00}. 
This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

CBE Group has original creditor as XXXX XXXX XXXX began frequent calls from times like XXXX XXXX, XXXX XXXX  and XXXX. 

The debt is already being taken care of with XXXX XXXX XXXX  for automatic withdraws for the amount of {$20.00}.
Product: Mortgage

I'm self employed and my income was effected in XX/XX/2021. I tried to advise the Servicing Dept at Guild Mortgage that I can't utilize the forbearance plan offered because my refinance wouldn't close. I told them I could get contractually current in XXXX to avoid the late hit on credit. I just needed the one time courtesy for XXXX payment ; no forbearance plan needed. They advised I had to go through a plan even though I set up payments to be current. They advised the payment system is down. I relooked at my score after the late payment because I was going to just let it go but it actually dropped my score so low I couldn't refinance. I am requesting the late hit be removed as I was effected by COVID and brought the account contractually current within 30 days of missing XXXX payment. I found it predatory to make my go into a forbearance plan to get the late removed and therefore losing my opportunity refinance. I've never been late in the past and had exceptional credit over XXXX prior to last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

As XXXX of the XXXX Million affected by the Equifax data breach, I followed the announced protocol to inform and obtain the monitoring services that were offered. Instead, after beginning the enrollment process and being told that I would have to wait up to 2 days to receive my email since they were under such a backlog, the first email I received was a solicitation to purchase XXXX, XXXX and Equifax services that were an additional paid service. 

All this seems like, is another effort to jam the consumer with another annual paid service as opposed to actually fixing the problem. 

Your organization 's charge, as the supposed " watchdog '' for the consumer, requires the monitoring of these ineffective business processes. Since they can not be trusted with the awesome requirements of protecting our personal information they should not be allowed to do so. Even the IRS has left us exposed to the criminals in these cases and I, for XXXX, am fed up with paying for something that fails.
Product: Vehicle loan or lease

I have been in financial hardship due to covid, and loss of work before hand. I have recently started working I have tried calling chase bank twice about helping with deterring payments. Only to give me more time. Only to be met with resistance saying they can not change their policy. When I asked to speak to a supervisor, I was disconnected. Zero leniency policy makes me never want to do business with chase bank again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that XXXX XXXX supplied to Experian, XXXX, and XXXX. 

This item in question is a XXXX XXXX account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that XXXX XXXX have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to XXXX XXXX. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

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

Dear CFPB, I am writing to dispute the information on my credit report regarding XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information. 

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in acccordance with the fair credit reporting act XXXX  Account # XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 writing instructions.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has 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 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.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's not the collection agency dept to collect ... i do not have or had a contract with the company afni for {$1000.00} owed ... therefor it should not be on my credit report from all 3 bureau 's
Product: Vehicle loan or lease

In XXXX of XXXX I requested a one month emergency deferment from Toyota Financial services, for XXXX XXXX payment. I explained to the representative that in XXXX of XXXX, I was seriously injured in a car accident, and could submit documentation to verify my claims. I was informed even tough I had been granted prior request for the year of XXXX, due to it being an medical emergency the requested would be granted. I was told my next payment would be due in XXXX of XXXX, which was paid, but the payment was applied to XXXX payment. I have contacted Toyota Financial Services several times, and have been placed on hold for over 1 hour & 45 minutes several times. Each time I speak with someone I have been told I had exceeded the amount of deferments for the year. This was explained to the representative when I spoke with her in XXXX that I was granted prior deferments for the year, and I was told it would not be a problem because this was a medical emergency. Here it is I'm literally struggling to maintain daily life functions from a auto accident, and XXXX continues to destroy my credit each month with 30 day late payments. It is clear that XXXX still has bad business practices, even after settling a class action lawsuit for charging people of XXXX higher interest rates. Unfortunately for me I happened to be one of the purchasers that was charged higher rate due to the XXXX of my skin and was compensated in a class action suit by U.S D.O.J. Now my credit is being destroyed for an agreement that was issued by Toyota Financial Services, and not kept. XXXX customer service department are inadequately trained, and no customer should be on hold for over an hour. The list of complaints could go on for the lack of quality customer service Toyota Financial Services provides, and their choice of PLACING CERTAIN PEOPLE IN DIFFERENT FINANCIAL CLASS.