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

There was a hard inquiry for a credit card application on Equifax that is obviously does not belong to me ( multiple evidences : I did not made that application for that card at all and it was not on any other credit reports, I was also on vacation when that application occurred, I'm also a male and that is a card for make up company ) I have called and submitted on their website for more than 3 times, they did not ask for any further evidence from me, every time just close the dispute within a day without doing anything.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was try to connect XXXX XXXX to my new TV. I was prompted to put a code in on my phone which I did and after putting in the code I was prompted to call this number ( XXXX ) which I did. As I'm talking to who I thought was XXXX XXXX customer service they told me to download an app called XXXX and then they started controlling my phone through their phone or computer. I did put in my pin number to my XXXX XXXX  but I thought I was getting XXXX XXXX XXXX. My bank account was connected to my XXXX XXXX account and they started adding money to XXXX XXXX and sending it to themselves. XXXX XXXX saying there was no unusual activity because it was from my phone but as soon as I realized what happened I reported it to XXXX XXXX and sent emails trying to stop payment. I also closed my bank accounts and opened new ones and unlinked my account from cash app which I will never do again. XXXX XXXX should be able to get my money back but they won't. I've never sent money to these people before and I've never purchased an XXXX card through XXXX before. All these are signs of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Balance Owed : {$580.00}. 
XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$66.00}
Product: Credit reporting 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 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 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

I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon bureau investigation I was notified that Lexis Nexis is reported information that I did not authorize. I contacted the court who also stated that they do not provide this information to any credit reporting agencies. I am enclosing a letter from the courthouse.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Checking or savings account

I have an existing complaint regarding the closure of my account but now we have a new issue Wells Fargo issued a cashiers check in the amount of {$47000.00}. To me, and they refused to honor the cashiers check.. I have tried to get money off of the cashiers check I have XXXX XXXX and I also am undergoing XXXX testing. I need this money for my medical treatment and for my traveling expenses, staying in hotels, while I am being tested and getting treatments. This is my whole life savings I was contacted regarding my case I filed two days ago. They said it would be handled expeditiously now theyre telling me its gon na take another month. Unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Credit reporting

there is a judgment that was inaccurately placed on my file and is no longer on my public records section and yet this bureau continues to verify it as mine and refuses to properly investigate it and remove it from my file. i have asked them repeatedly to show me any evidence of how it was verified and they refuse to cooperate and do not provide me with any evidence. they are reporting inaccurate and false information join the public records section of my file.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and 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 paymen t reported in to be removed.

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. 


XXXX 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 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove These Inquires these are fraudulent 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate and fraudulent accounts that have been reported on my credit file. These accounts do not belong to me, and I have no knowledge of them. Their presence on my credit report is not only unjust but deeply concerning, as I have never authorized or engaged in any transactions related to these alleged accounts.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Money transfer, virtual currency, or money service

PayPal currently has been holding our funds for way too long. All our orders are getting delivered quickly and without any issues, yet PayPal still continuously places holds on our account which severely affects the business 's money flow. 

As of today XX/XX/2021, PayPal is currently holding about {$9000.00}. This issue has been prevalent since XX/XX/2021 which marks almost an entire month of PayPal holds. 

According to the laws in the state of California where we operate from, as a Money Transfer company, PayPal shouldn't be holding the funds for longer than 10 days, especially since all our packages come with tracking numbers that are directly updated to Paypal automatically, and we have a great history of shipping packages quickly and delivering them with no issue. We rarely get any complaints, and if we do we try to make quick resolutions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments Account Number : XXXX that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. 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. 
XXXX. 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 they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the 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 and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company XXXX XXXX, XXXX XXXX XXXX, and the credit card company is INDIGO MASTERCARD.
Product: Debt collection

I RECEIVED A PHONE CALL AT XXXXXXXX XXXX from XXXX XXXX claiming to represent XXXX XXXX informing me my credit card on file is not working. I do not want to belong to this gym ; I do not feel safe there -- it is a huge space and as I woman I am uncomfortable working out there. When I work out there are very few people around and I am afraid for my safety.
Product: Mortgage

We were in the process of selling our home and needed a payoff from Ditech to gear if it was feasible to be able to sell our home. I contacted Ditech in XX/XX/XXXX and was given a payoff of XXXX and asked them if there was any other debt assigned to the property and they said no, so we proceeded in selling our home. We received an offer in XX/XX/XXXX to sell our home of XXXX, and we accepted it. Closing was set for XX/XX/XXXX. My lawyer XXXX XXXX found that there was another lean on the property and immediately contacted Ditech for additional information. Ditech was less than cooperative to resolve the issue and did not resolve till closing date. Closing came and 1 hour into closing the sale of the property We were informed that we needed an additional XXXX for the sale of the property and if we did not pay it we may have a lawsuit or have to file bankruptcy. What had happened there was a non interest subordinate loan on the property from Hud and Ditech never disclosed it. This was set up by XXXX XXXX in XX/XX/XXXX from a modification. the loan was sold to Ditech and the modification was no longer disclosed by Ditech in any form. We would not have sold our house if we knew that loan was still outstanding. We ended up putting ourselves in deeper debt to close on the property. We were severely mislead by Ditech and there complete lack of service.
Product: Credit reporting or other personal consumer reports

Remove the following accounts from my Credit report because the payment history in the se accounts are continuos reporting a charge-off after these account was closed.Also these accounts are not showing the date of last activity and the date closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I just got a credit report from all XXXX credit reportsXXXX, experian and XXXX and my credit score went from XXXX to XXXX, all XXXX companies are telling me is because i was late on XXXX mortgage payment past 30 days with XXXX, which is inaccurate, i have never missed a payment, with my current mortgage or past ones, they also telling me i have XXXX credit cards, i do not believe i have applied for that many credit cards, that is not accurate i only have XXXX personal loan XXXX credit cards and XXXX mortgage, i dont know where they getting XXXX cards from. All XXXX credit bureaus are telling i have made a lot of hard inquiries, which i have not. Can you please investigate this matter, i have work with the XXXX for 13 years and i 'm also a veteran and i work very hard to get my credit up that high to XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure on-time payments. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the credit bureaus report 30-day late payments for my XXXX account. 
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 they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments 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 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 and ensure the maximum accuracy of information contained in consumer files. 
Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments. 
XXXX XXXX : This account history reflects a consistent record of timely payments. The 30-day late entries reported for XX/XX/year> ( Equifax ) XXXX XXXX and XX/XX/year> ( XXXX ), and XX/XX/year> ( XXXX ) XXXX erroneous and do not align with my actual payment history. 
Attachments : A copy of my government-issued ID Social Security verification Relevant documentation, account statements, and any additional documents that substantiate my history of timely payments I expect to receive written confirmation of the removal of these erroneous late payment 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. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Knowing that I live in a region with aggressively increasing home values I decided to reach out to my lender to have PMI removed. I can support the increase in value based off a current appraisal on behalf of my current mortgage provider. My taxes also increased by XXXX last year and close to that the previous year. It is not joke that I am seeing appreciation to my home. Plus, we have invested over $ XXXX in of updates and additions last year. I requested the removal from my lender and they sent a letter saying I met the initial requirements, but an appraisal needed to be completed. Knowing that PMI is not required below 80 % I knew anything below 80 % should be my target. In their letter they made no mention of LTV requirements, so it should be assume 80 % will be removal. When I called them it was explained that is completely up to the lender if PMI is removed. I find this to be a predatory practice. This was not outlined in the letter from CitiMortgage. How can i be expected to pay for an appraisal when I am not given the true requirements. 

This is not a fair practice, and reason again as to why mortgage lenders and investors create ambiguity and unfair lending practices. No regulation to this practice treats the end consumer like myself unfairly. 

I am just a tick below 80 %, how and why are they legally denying me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) and 15 USC 1666 ( b ). Reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Placed an unauthorized hard inquiry on my credit file. I did not authorize XXXX XXXX XXXX  to perform a hard inquiry on my credit file. This is a fraudulent inquiry placed on my credit file by XXXX XXXX XXXX.