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

My complaint to the CFPB lays bare XXXX ' disregard for accuracy and fairness in reporting to the credit bureaus. Despite my relentless pursuit fix this issue, XXXX has callously neglected to investigate this matter with due diligence.Let me state the facts. XX/XX/XXXX, I made a payment using a money ordera payment method known for its reliability and certainty. Yet, XXXX shamelessly persists in falsely claiming default on the payment plan despite them admitting themselves a payment was made on XX/XX/XXXX. This flagrant injustice is not merely an isolated incident but a damning indication of XXXX ' systemic failure in reporting practices. XXXX XXXX in a letter mailed ( I have confirmed that your XXXX XXXX account is reporting accurately as charged off, with a balance of {$1200.00}, and in dispute by the consumer. We have verified that the tradeline is reporting as in dispute with the consumer reporting agencies since XX/XX/XXXX. 
The integrity of the credit reporting system relies upon the accuracy of information provided ; submitting the update you requested would create an inaccurate representation of your account. 
As such, we are unable to honor your request to remove the associated delinquencies or tradeline from your credit report ) yet they continue to furnish inaccurate information to the credit bureaus. It's unconscionable that even XXXX years later, on XX/XX/XXXX, my credit reports still reflect XXXX ' mistake. This settlement was completed in XX/XX/XXXX, yet XXXX persists in its dishonesty despite confronted with clear irrefutable facts Money orders do not bounce! XXXX inexplicably continues to perpetuate this falsehood. It's time for XXXX to acknowledge their wrongdoing and take immediate action to rectify this injustice.
Product: Debt collection

From my credit report : In XXXX, XXXX XXXX charged off the credit card account balance ( XXXX ). In XXXX, 2 years later, R A Rogers, INC collection consultants purchased the bad debt from XXXX XXXX. Currently, both parties are reporting on my credit report, being penalized twice for the same debt. Additionally, I have never received communications from Rogers Inc. in relation to the purchase of bad debt or the notice of right to dispute. Is there not a statute of limitation on when the debt can be sold/purchased? Is there something in FCRA, FDCPA, UDAAP that states it can not be reported twice on the same credit report? It seems unfair to be penalized twice through credit bureau reporting. Something does n't feel right with this process. It is damaging my credit history and it needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX, US DEPT ED Account Number : XXXX, US DEPT ED Account Number : XXXX. 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Product: Debt collection

I have been sick and for the past few months I have been receiving emails about being arrested and having a federal case with me for something I believe I got over XXXX years ago. Company name is SPEEDY CASH XXXX This suppose to be a case number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have had a credit card with XXXX for about 6 months now. I have made payments to this account before online with my checking account which is stored in their system. I recently submitted a payment with this same checking account only to find that it was returned, charging me a XXXXXXXX XXXX fee, because the bank account was " unable to be located ''. So I asked them about it, and they told me to add the bank account again and submit a new payment and they would remove the fee. So I did, I submitted another payment which once again was returned for the same reason. Now I have {$50.00} in fees. Mind you, I have confirmations for all of these payments in my email. After this second attempt and fee charged, I called them again only to be told " well it might have been because you made them payment on a different platform, because your successful payment was made on the internet and your rejected payments were made over the phone '', WRONG. This is false, as I made the payments through their faulty app. The representative said he could only remove one fee after I made the payment over the phone with him, and refused to transfer me to a supervisor. So I said fine, gave him a payment over the phone, told him to remove the one fee and I would call back to get a supervisor later. " sorry sir but I can not remove the fee ''. Once again, the run around. So here I am, with XXXXXXXX XXXX in fees, lies, and no help from this horrible lender, and a payment made which who knows, will probably get rejected again! We will see! 

Representatives name is XXXX. Incredibly rude, refused to help, threatened to end the phone call. Unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several loans with XXXX that were reported late around XX/XX/2017. This was in error as the company had not applied the agreed forbearance or deferment. After several months this came to my attention and the account was rectified with charges reimbursed and the proper status applied to the account. The account service did not correct the late payment history and as such the 6 loans each report 5 late payments adding 30 late payment marks to my credit report and affecting my credit score negatively by more than 100 points. This drastically affects my ability to get a home and provide for my family. When calling XXXX some representatives apologize and tell me they will correct the mistake. Several months later the error still exists and when I call back new representatives tell me they will not make the change and there's nothing I can do. This error was made due to their loan servicing and needs to be corrected to remove the late payments as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my free annual credit report, but the website did not allow me to. I then called, and still have not received it. I demand my consumer credit report AND FILE be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$55.00}, and XXXX XXXX Balance Owed : {$0.00}.
Product: Money transfer, virtual currency, or money service

Hello Consumer Finance Team, I am reaching out to you to request an investigation on Paypal regarding their decision to permanently limit/banned my Paypal business account and holding my funds for 180 days. I have filed several complaints to their customer service, executive teams, escalation team, and other Paypal departments, regarding it since XX/XX/2021, but they all have turned a blind eye to my request to release my funds earlier as I need them for my digital business. 

There are several transactions that were involved in this complaint as Paypal has put a permanent limitation/banned on my business account. There is an Available Balance and Pending/On Hold balance and they won't allow any more transactions on my account nor release the funds left on my Business account since they have restricted my Account last XX/XX/2021. The transactions on my account are from XXXX to XX/XX/2021. 

Here are the details based on my Paypal Balances : Available Balance : XXXX : XXXX EUR USD : {$1300.00} USD Balance On Hold ( Pending ) : USD : {$6.00} I am reaching out to you to ask for assistance in releasing the above Balances on my account. Please help me out as I am just starting my digital business and Paypal is keeping my funds for 180 days which is unreasonable and they have not provided a valid explanation on their decision to permanently closed my account. 

I am looking forward to your assistance and positive action on this matter. 

Thank you and Best Regards, XXXX XXXX
Product: Vehicle loan or lease

Dear Sir or Madam of the CFPB, It is my hope that the CFPB will assist in resolving the ongoing illegal activity being conducted by  Wells Fargo Dealer Services  and its agents. I have, in good faith, attempted to resolve the dispute with  WFDS  on more than  5  occasions. As of  XXXX   2017 , WFDS has yet to resolve and discontinue reporting incorrect, unvalidated, and illegal data to the credit reporting agencies.     As the attachments will show,  WFDS  continues to interfere with the health of my credit by continuously reporting erroneous information . WFDS c ontinues to misreport account standing and balance in direct conflict and in violation of the FCRA.     WFDS, directed its agents to claim the financed vehicle in question from me. I no longer have the vehicle in my possession as  WFDS  took claim to the vehicle. As of  XXXX   2017 , I have yet to receive written documentation as to the value of the sale of the vehicle, the redemption notice, the re-calucation after sale, and other pertinent legally required documentation. WFDS has been in breach of its contract obligations and credit reporting requirements.     For the last 2 years , WFDS r eports erroneous information. I am seeking assistance in ending the erroneous, harmful, and damaging credit reporting being done by WFDS and its agents. Please review the attached documentation, phone calls, and letters, to reveal the antics o f WFDS  and the struggle I have endured in ending the harm caused b y WFDS .
Product: Debt collection

Im facing some serious issues with my credit due to this collection account. I never agreed to or signed any contract for this account. For a contract to be valid, both parties need to sign it, and I have not been part of any such agreement. Additionally, the collection company didnt follow the proper 5-step validation process required by law.

According to the FDCPA, Im entitled to compensation for these violations. Its clear that my rights have been ignored, and this has been really damaging to me personally. Im asking for this account to be removed from my credit report immediately. If this isnt resolved, Ill have no choice but to take legal action.
Product: Credit card

I have a Citicard that was stolen from me and used to make fraudulent charges between XXXX XXXX XXXX and XXXX XXXX XXXX. I have spoke with Citi Cards approximately XXXX to XXXX time since then ( Today is XXXX/XXXX/XXXX ). Every time I have spoken with them they assure me that the charges are under investigation and will be removed in 5 to 7 business days. This has gone on for over six weeks and yet the charges have not been erased. Every time I call them I have to start the whole story over as though no record is being kept of situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Phoenix Financial Ser and XXXX XXXX ; there was a repeat derogatory delinquent account # XXXX reported back on my XXXX XXXX consumer report. XX/XX/XXXX, I noticed a repeated derogatory account showing on my consumer XXXX XXXX report. I reached out to Phoenix Financial Ser, and I spoke with representative XXXX XXXX, he confirms this debt account is now been placed with his new collection agency Phoenix Financial Ser. The amount I need to paid {$490.00}, and the original date account was open on XX/XX/XXXX, but new account open date reports XXXX XXXX and the first date account was late XX/XX/XXXX, but now new late date is XX/XX/XXXX. I asked XXXX why Phoenix Financial Ser purchased an old delinquent account that is past seven years old? XXXX never answer this question. I also mention this is inaccurate late date account shows, and why was the account open date, and amount changed? XXXX was confrontational, he raised his voice by yelling stating this is not what he said. I explain to XXXX I wrote down everything you have said to me. I then asked XXXX to validate this debt, and XXXX said this file were just placed on his desk, he will mail the documentation to me. I have not received any validation of this debt as of XX/XX/XXXX. 
Next, I reached out to XXXX XXXX, I spoke with XXXX XXXX representative of XXXX XXXX, XXXX confirms file # XXXX was removed from my credit report on XX/XX/XXXX, due to statute of limitation expired. And this account has been placed back on your consumer report as of XX/XX/XXXX. The debt with XXXX XXXX XXXX at XXXX XXXX. Debt amount shows delinquent {$720.00}. I ask what happen to {$490.00} XXXX a Phoenix state what was past due, and why this amount increase now? XXXX said she will have to submit a dispute, next XXXX said this account open date shows XX/XX/XXXX. I ask XXXX why did XXXX XXXX allow this derogatory debt to be placed back on my consumer XXXX XXXX report? XXXX said she would have to submit a dispute she did not know.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOV ASSOC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOV ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOV ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOV ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where PORTFOLIO RECOV ASSOC is in compliance with OHIO LAW. I also have a report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOV ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX  XXXX XXXX XXXX. # XXXX  BAL {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I mailed a letter to the company above because I never received a dunning notice and I have no idea what this debt is or how it originated. 

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. 

Account name XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or 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 card

While reviewing my credit file I have been trying to get these two accounts removed. Fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries on all my credit reports that I have not authorized. I attached the letters that I sent to each credit bureau to remove it and no response.
Product: Credit reporting or other personal consumer reports

I have recently found a collection account on my consumer credit reports ( XXXX, XXXX, and XXXX ) from Midland Credit Management ( MCM ). This account is unknown to me as I have no contract with MCM. Somehow, MCM has gotten a hold of my non-public private information and is causing me harm by significantly reducing my credit score. Furthermore, MCM does not have my consent to disclose my information and I am informing them that I opt out of them sharing my information. MCM has also violated the Privacy Act of 1974. 

Per the Fair Credit Reporting Act, as a federally protected consumer, I am now opting-out of any and all authorization I may have given you in any form whatsoever to share my private non-public information and it is my right to do so at any time per 16CFR313.7 ( f ).

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub-chapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non- affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. 

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
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. 
Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 card or prepaid card

On XX/XX/XXXX, I placed a payment via the American Express mobile app for my American Express account in the amount of {$1600.00} when had just over {$3000.00} in my Chase Checking account so that I would have an on-time payment and satisfy the full statement amount before XX/XX/XXXX. 

At XXXX XXXX. that evening, I received an email alert stating that my XXXX account had gone into a negative account balance and saw that the American Express payment was processed twice. I immediately contacted American Express via the app and asked for them to stop one and was told " it was too late to cancel them as these payments have aready gone into the processing status. However, once they post on your account you can let us know and we will immediately place a request to return it back to your bank. '' Because American Express was unable to resolve my problem with immediacy, I contacted XXXX XXXX  and requested them to stop the charges, and they did, but this is not reflected on my account until the next business day. 

To make matters worse, my XXXX card made an automatic minimum payment, and because XXXX is incapable of stopping the charge immediately in a manner that reflects a balance showing the account is no longer negative, I have incurred two overdraft fees of {$34.00} for a total of {$68.00}. 

I asked to American Express to return both charges back to the account so that I could issues new payments that would summate the statement amount because, according to XXXX, the identical charges are recognized as one by their system and they can not block only one, and that if I were to attempt to make the same payment again it would be possible that the payment request would automatically be blocked. Instead, American Express only refunded one payment.

To verify that it was not something done in error by me, I asked the American Express representative what time the last two payments were made, to which they replied " XXXX XXXX  for the last 2 payment time frame. '' American Express has now led to financial costs incurred by me their errors, and I want them held accountable for those errors.