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

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Crediting Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, ULTIMATELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and/or standards and MUST be removed immediately, do so TODAY, even RIGHT NOW! The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : { XXXX XXXX XXXX XXXXAccount # XXXX due XXXX days late reported on XX/XX/2023 } I am demanding that this account be updated to Paid as Agreed and Never Late. 

This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 


By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant and verifiable. I demand that this item be investigated and removed from my report. I demand that the above mentioned derogatory item be investigated and permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY STUDENT LOANS WERE CONSOLIDATED IN XXXX  BY XXXX. XXXX XXXX RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXXI AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. XXXX IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE XXXX.
Product: Credit card

I scheduled a payment for my Chase credit card on XX/XX/XXXX. The next payment was due in XX/XX/XXXX. Please refer to my attached statement and screen prints. On XX/XX/XXXX, I received a notification that the account was past due. So my wife called Chase. 
My wife spoke to a representative named XXXX around XXXX on XX/XX/XXXX. He stated that although the account bills on XX/XX/XXXX, the statement is not mailed until XX/XX/XXXX. Therefore, the payment was processed for the prior month. He waived the late fee and confirmed our 0 % interest rate was still good until XX/XX/XXXX. 
The main reason why I am filing the complaint is the date on the statement. Their system clearly shows the billing date as XX/XX/XXXX and the statement also reflects XX/XX/XXXX. The statement history also shows it comes out on the XX/XX/XXXX. Therefore, when a customer is scheduling a payment, he or she would assume the payment would be applied to current statement if the date paid coincides with the date on the bill and their online system. I should not have needed to make a second payment in the same month to prevent it from appearing like it was past due. Going with a statement mailing date, XX/XX/XXXX, rather than what is printed on the bill and listed on their online system seems like a pretty archaic way and incorrect way to process payments, specifically because customers rely on online data to schedule payments on accounts. I am sure lots of customers have received late fees for this reason and have needed to make two payments in a month to rectify the situation. 
I am attaching the statement and screen shots of the account for your records.
Product: Debt collection

I received a letter from XXXX bank about my amazon acct stating this is an attempt to collect a debt. Called the number on the letter and it is Portfolio Recovery who I already paid the debt off to in XXXX on the XXXX acct. They reposted the same debt on my credit report and are trying to collect the same debt from me twice under a different name. I reported this to the credit bureaus all but XXXX will not take it off.
Product: Money transfer, virtual currency, or money service

I have tried to use my XXXX  Crypto.com card at atm to get my money out as well as trying to send my money to any other accounts I have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and none of them work. My physical card I have is one that had worked for quite a while but t then it just stopped working! I come to find out it was because somehow the CVV code and the expiration date of the physical card had been changed and not by me! My ATM PIN code also quit working and the option to change my atm PIN code in the crypto.com account portal disappeared. I have ever able to try to transfer money to people in my contacts because of needing to use a XXXX authorization code which I couldnt make work. It is required to use an authentication app on my phone and it never worked. I asked for help multiple times about this to the company and all they would do is send me instructions on how to set up the XXXX which never would work for me. I am literally XXXX  from stress and need help to get my money out! I have XXXXin my account. My name is XXXX XXXX and my phone number is XXXX XXXX. My email is XXXX XXXX
Product: Debt collection

I have paid XXXX XXXX in 2016. This company is no longer in existence, and I do not owe this debt SOUTHWEST recovery services plave on my credit file. I am getting calls and debt is place on my credit report for a debt I do not owe. I have asked them to contact the company ( XXXX XXXX ) to verify this.
Product: Debt collection

On XX/XX/2018 around XXXX EST Portfolio Recovery Associates LLC provided information regarding my debt to an unauthorized third party without verification and in  direct violation of the FDCPA. Management confirmed this violation of the act and apologized claiming it was a new employee who made the error. Furthermore, the debt in question does not belong to me as I have disputed it on several occasions due to it having been on my credit report for a span of more than 7 years. I have rights as a consumer that were violated by this company in more ways than one. This item should be removed from my credit report immediately and my number and personal information removed from their system.
Product: Credit card

Bank of America closed my Travel Rewards c ard 2 months after I opened it without any reason and without any notice. I had  XXXX  points on this card that I earned from bank bonus and from my spending. They confiscated all my points and refused to compensate me for their val ue ( {$350.00} ). I c onsider this a robbery and would like to get my points in form of check.
Product: Vehicle loan or lease

My XXXX XXXX  XXXX, in which was financed through Toyota, was deemed a Total loss. My insurance carrier issued partial payment and the gap provider covered the balance.

The loan with Toyota without notice and warrant was transferred to a collection agency. I was only made aware when I received a notice in the mail. I contacted Toyota directly and spoke with a representative who refused to assist as the account was with the collection agency. I requested a supervisor, in which my request was denied and the supervisor relayed messages to contact the collection agency. The two parties in reference were XXXX supervisor agent ID ( XXXX ) XXXX XXXX ID XXXX XXXX XXXX. 
I spoke with the collection agency, XXXX XXXX, who confirmed the payment was received by Toyota but the account was still transferred and assured me there would be no negative effect to my credit due to the account. 

I received an alert that not only was the account closed and a bad debt but my scores dropped drastically when the account was paid. I have proof from the insurance company and GAP Provider of all the payments and the dates paid.
Product: Debt collection

We had a loan with countrywide aka BOA and it was sold to specialized loan services. BOA foreclosed on the property after 5 years. BOA and XXXX XXXX services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XX/XX/2022 XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX, I purchased my current house through XXXX Mortgage INC. I put down 25 % down payment on my house ( That 's why I paid ESCROW by myself and I have all the tax payment receipts ). In XX/XX/XXXX, XXXX sold the mortgage to the PennyMac, On XX/XX/XXXX, PennyMac send me an notice that I have been shortage on my ESCROW account for {$5200.00}. My complaint is why do I have to pay the shortage account to the PennyMac when I pay all the tax by myself?
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in 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.

3. 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.

4. 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, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to report three unauthorized hard inquiries made on my credit reports by : XXXX XXXX XXXX XXXX, and Capital One. 
These inquiries occurred approximately a month ago ( between XX/XX/year> and XX/XX/year> ) and were promptly removed shortly after. However, despite their removal, my credit score dropped by XXXX points and has not fully recovered since. 

The details are as follows : XXXX XXXX Inquiry : 1 inquiry between XX/XX/year> and XX/XX/year> Capital One Inquiry : 2 inquiries between XX/XX/year> and XX/XX/year> All three inquiries were unauthorized as I did not apply for credit with these institutions during this time. 

Evidence : I first noticed these inquiries through my XXXX XXXX monitoring tool, which tracks changes in my XXXX credit report. The inquiries have since been removed, but my score remains impacted. The score only recovered slightly due to unrelated factors, yet the effect of the unauthorized inquiries has not been resolved. 

Supporting Documentation : - PDF of XXXX XXXX XXXX Report Changes : This document shows the initial score impact from the unauthorized inquiries. 
- PDF of XXXX XXXX XXXX Report Details ( Most Recent ) : This document shows the most recent credit changes, confirming the inquiries have been removed but that my score has not fully recovered from their impact. 
- History of changes in my report since XXXX, XXXX  from XXXX XXXX. 

Impact : This unwarranted score drop has negatively affected my financial plans by limiting my ability to qualify for better credit terms, despite the resolution of the unauthorized inquiries. It is concerning that the score did not recover even after the inquiries were removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts and inquiries on my report that are unauthorized and inaccurate and want them removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX ( Account # 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: Money transfer, virtual currency, or money service

XXXX XXXX, a PayPal Employee replied me. 
telling me I used XXXX XXXX to access my account, and that I have no money in my wallet. 

His email drives me crazy. 

I am falsely accused and embarrassed by XXXX. 

I was blocked from access my account, then they told me they will hold my balance for XXXX days, to enable them settle my customers before they can grant me access to my wallet. 

PayPal never told me that I used XXXX XXXX XXXX to a access my account before, it after my complaint to CFPB, PayPal emailed me telling me I used XXXX XXXX to access my account so they can steal my money, PayPal claiming I have no money in my account, is a big lie! 

For this reason I am requesting for my full account statement or account history, from the date I opened the account till date, showing every transactions With old and new informations in my wallet till date, including old and new informations changes in my account. 


That was a clear indication that my account was hacked, or there was a sinister move within PayPal on my account. 


There was never a time I used XXXX XXXX XXXX to access my account since I opened my PayPal account many years ago. 

In fact at some point my account became inactive because of XXXX XXXX I was out of business for some few years, my business was on hold, including my PayPal account. 

As a matter of fact, when I returned to my PayPal account after my XXXX XXXX, to my greatest surprise I saw a different phone number on my PayPal account, while my own phone number was removed completely, For this reason I wanted to view my balance, but PayPal wouldn't let me. 

when I noticed that, I quickly reset my password and my original phone numbers. 

( XXXX XXXX XXXX {$81.00} was my balance. 

Though I called customer service XXXX ago regarding the new phone number I saw on my account, and they promised to fix the problem. 

If my account was hacked by someone, else, why didn't I receive debit, or the transactions report on my PayPal account or on my phone? 

I believe PayPal swept my account from {$81.00} to {$00.00} Then restrict me from viewing my account balance. 
Then tell me to pay verification fee of about {$1.00} or {$1.00} XXXX times without refund. 
PayPal debited me XXXX times without refunding me as they promised. 

When they got tired of my complaint they decided to permanently block me from using my PayPal account, then they tell me I have no money in my account. 



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

I am rebuilding my credit and paying my bills on time. I only have one open thing on my credit report account and I am trying to buy a home. The real estate company stated I only need to have a credit of XXXX as a first time home buyer. 

https : XXXX XXXX loan changes that were rolled out in XXXX are in effect in XXXX. According to XXXX XXXX, more lower-credit FHA applicants are being approved. In XX/XX/XXXX, only 19 % of closed FHA loans were for applicants with scores of 600-649. By XX/XX/XXXX, that increased to 23.5 % of approvals. Lenders are loosening guidelines and encouraging lower-credit applicants to apply. 

My scores are steadily rising with XXXX  ( XXXX ) and XXXX  ( XXXX ). Unfortunately, Experian purposely stifling my score and there is an 85 point ( XXXX ) difference even though all the companies have the same information. XXXX  and XXXX  gave me an excellent and fair payment score of XXXX. Experian lied and stated my payments were fair even though I never missed a payment. 

If you look at Experian 's website they are pushing their high-interest rate credit cards and upgrades at the consumers with the promise of raising credit scores. I feel like I am being blackmailed and my credit score is being held as a hostage. At this point I can't apply for credit accounts because of them it will be declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my consumer report as a result of identity theft. I brought this to the companies attention and these inquiries are still on my consumer report, causing me great financial distress. My proof identity is attached below with my Social security card. These inquiries are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. These inquiries pertain to EQUIFAX AND XXXX.
Product: Debt collection

Myself and mother paid utilities included with rent. I have copy this company wont answer number on report. Building states they no longer use it. I have no way to contact them to show the payments. Included with rent total. Not billed separately. Never was mailed anything over a year of paying with rent total.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im passed due {$83.00} as of XX/XX/2020. They are reporting Im past due {$150.00} as if XX/XX/2020 I have proof that I paid XXXX, even paid extra ( {$100.00} ) they are reporting a inaccurate past due amount. They are including XX/XX/2020 payment as past due and its not even past due as its XX/XX/XXXX today. I have recieved 10 phone calls 3 voicemails and 6 text messages. Theres a world pandemic and Im being harassed after trying to work with the company. I would like the company to accurately report my balance and update the inaccuracy. They are causing me to lose funding help. Im only past due {$83.00} and have attempted twice to come current but there are requiring I pay {$150.00} please have them provide a detail of every payment I feel like they are taking advantage of this pandemic in attempt to harass me and negatively report on my credit
Product: Credit reporting or other personal consumer reports

I have submitted a request for this company to remove this account from my credit profile because it is still reporting as delinquent and effecting my score. The debt is no longer a collection of mines and that was the excuse as to why it is still reporting. The account is charged off as a XXXX balance however is still reporting negatively on all XXXX bureaus. I have contacted the company and the bureus and both are in violation. 

FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 

With that being said these accounts do not line up properly. 
REPORTING ON XXXX XXXX. DATE OPENED - XXXX XXXX XXXX. DATE CLOSED - XX/XX/XXXX REPORTING ON XXXX DATE OPENED - XX/XX/XXXX This information is incorrect and documented. I am requesting that you please remove this from my credit profile. 

I have submitted an FTC report in the past, it was overlooked and I am really not in the mood to go back and forth about a line that you guys are reporting wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid in full but not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. 

XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017