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

Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX
Product: Bank account or service

I 've been using paypal via ebay since the XXXX 's I used to make my living that way now it 's just part time. Yesterday I made a small purchase no problem but today when I tired to make another small purchase I found that paypal has blocked my account forever. When I called them they only said " we do n't have to tell you why '' and 'we will never tell you why ''. I have NEVER had a problem with paying for my purchases so why the extreme discrimination? Why the attitude? How do they keep getting away with doing whatever they like with everyone 's money? How is it that the internet ca n't even come up with who regulates paypal in the usa? Please help me.
Product: Credit card or prepaid card

This complaint is in regards to CFPB complaints # XXXX & # XXXX. 
On XXXX XXXX 2019 I filed a complaint against Citi, # XXXX. The respondent, Ms. XXXX, claimed she was unable to contact me and labeled me a deadbeat which is discriminating. I immediately closed my account with CITI based on Ms. XXXX unjustified actions. 

On XXXX XXXX 2019 I filed another complaint against Citi, # XXXX. Ms. XXXX contacted me, was friendly and cooperative, and assisted me in determining the validity of two charges totaling approximately {$37.00}. Once confirmed I paid them with her over the phone but still questioned why I wasnt contacted about upcoming monthly payments. 

Ms. XXXX kindly waived the late fees but her letter dated XXXX XXXX 2019 indicated my account was being reported as 60 days overdue with the credit reporting companies even though she never mentioned this when we spoke. It appeared to be retaliatory for me closing my account. 

If Ms. XXXX had done her job and returned any of the TWO phone calls I made to her and had been as cooperative and helpful as Ms. XXXX, none of this would have happened and it was all over approximately {$37.00}. 

I am sure Citi noticed there are no late payment reports on my credit reports when they opened this account in XX/XX/2019 and for them to ruin my credit over {$37.00} after intentionally ignoring my phone calls and labeling me a deadbeat is unacceptable. 

Along with this complaint, I am also filing a complaint with the PA State Attorney Generals Office against Citi.
Product: Debt collection

Once again, federal law requires written notification of a debt BEFORE you play something on somebodys credit. Responding to the complaint I have made because you broke the law do not count. I am filed a complaint with the Utah state bar against your attorney. If you dont believe me his bar number is XXXX 
This is your last chance to remove this from my credit before I sue you. And I intend to make it a class action lawsuit. 
1. You have admitted in writing that you didnt notify me prior to putting it on my credit, that parking is illegal.

2. After having multiple letters returned according to the resident of that address and me telling you that was not my address, you violated, third-party disclosure by sending yet another letter with your name, clearly visible.

3. And last, but not least, you have continued to break the law I will not stop until I put you out of business.

4. I have forwarded a copy of this complaint and all of their responses directly to their client. 


REMOVE THHHISS FROM MY XXXX
Product: Credit reporting or other personal consumer reports

Under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

I sent a letter for debt validation and to find out why a third party has hippa sensitive information without my knowledge or promition. They never responded only validated the debt with the credit companies no information was sent to me at all. It also has a XXXX month term I have no XXXX month term with this company and it doesn't show any past payments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and dece, as they did not comply with ( or re on I 1 uirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

My repeated efforts to address the fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are entirely unrelated to me, and I am not responsible for them in any way. Their presence has caused considerable mental anguish and financial hardship. As an identity theft victim, I will be compelled to pursue legal action if this issue is not appropriately resolved. These inaccurate and fraudulent entries have prevented me from purchasing my desired home and adequately providing for my family, significantly impacting my financial stability. I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.
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 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 payment reported in XXXX 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.

SELF FINANCIAL/LEAD BA 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: Mortgage

Thank you for responding to my request. However, I would like to clarify some points regarding the payments you mentioned and provide additional context. 

Late Payments in XXXX : While you state that my XX/XX/XXXX payment was not received until XX/XX/XXXX, this delay resulted from the improper adjustment of my loan modification. Under the Real Estate Settlement Procedures Act ( RESPA ), loan modifications must be handled diligently to avoid confusion and inaccurate reporting. In this case, the failure to update the loan terms affected the accuracy of my credit report. 

XX/XX/XXXX Payment : Although you mentioned that my payment was received on XX/XX/XXXX, I must reiterate that I attempted to make the payment within the appropriate timeframe but encountered documented technical issues. These circumstances should be considered in good faith to amend the report. 

Credit Report Correction : Under the Fair Credit Reporting Act ( FCRA ), creditors must conduct a reasonable investigation when a consumer disputes the accuracy of a report to ensure the information is fair and precise. In this instance, the report does not accurately reflect the extraordinary circumstances that led to these delays. 

Therefore, I respectfully request the following : A thorough review of my case will be conducted to update the report, reflecting the exceptional circumstances detailed above. 
A comprehensive explanation of any actions taken following my initial dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted an FTC and Police report about accounts on my credit reports that do not belong to me.. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a card with this company, they immediately flagged my account for " security reasons '' despite me confirming my phone number and sending them my credit card information. I already submitted a complaint to CFPB. In response I received a generic letter stating that " we still need to verify your proof of address and proof of ID '' ( I already did this ) and some woman asking to " send in the proof directly to me, Ive enclosed a postage paid envelope for your convenience '' ( I am not sending my ID 's to anyone anymore at this company and how did you enclose an envelope in a PDF?? ). 

They copied and pasted a generic response unrelated to my case. And are lying about their offer. It was to receive {$150.00} when spending {$300.00} in the first month, which they blocked me from doing. I just want my account closed and will keep sending complaints until it is closed.
Product: Credit reporting or other personal consumer reports

I have two accounts that have been added to my credit reports in error. These accounts do not belong to me and need to be removed. 


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

I am filing a compaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ).
Product: Debt collection

On XX/XX/XXXX or XXXX, XXXX I left an apartment complex. I filed out paperwork in the leasing office, and both my ex and I signed and paid to have me released from the lease. We gota divorce and our debts were then declared our own. In summer, I believe XXXX, of XXXX I noticed a new debt on my credit report from the apartment. It was for {$880.00}. I called the apartment and explained to them the problem, and the apartment number they had the debt for I never even lived in. Yhey claimed to have switched mangement and were no longer able to find my paperwork getting me off the lease, but called the debtors to correct the apartment number. I offered to show proof that I had left the apartment in XXXX of XXXX after only signing a lease in XXXX of XXXX. I was told both times I called that they would fix it. They have not. I called the creditor in XXXX as well, they refused to even hear me, they refused to accept my proof that I had left. And when I told them my divorce states that my exes debts are theirs, they refused to take me off the debts. Holding me responsible for debts that don't belong to me. I have since had the report removed from my XXXX XXXX account and just from that my score is 100 pts higher than it is on XXXX  because of this false debt. The complex are frauds, and so are the debt collectors. The collectors call me now three times a day from two different phone numbers to collect a debt that never belonged to me in the first place. They said they would email me with a response to my claim that the debt doesn't belong to me, that was before the new year. I haven't heard anything back, but I keep getting phone calls and my credit remains stagnant with their false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Product: Credit card

Paid my bill in full before the due date last month. Was assessed a XXXX $ minimum interest charge this month. Have made no other purchases since paying my bill in full before the due date last month. Was told this was a minimum interest charge assessed to all accounts and since I complained, it would be taken off my bill. This seems like theft. It is such a small amount that I am certain many people pay it. Since it has been resolved by the company for me, I do not personally have an issue to be resolved but I can not imagine this practice is legal. Or if it is it should not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX. Department of XXXX Account Amounts : {$3900.00}, {$4800.00}, {$3500.00} XX/XX/XXXX I disputed this account with all three credit bureaus, XXXX, XXXX, and TransUnion on XX/XX/XXXX the credit bureaus have since updated my report to reflect that the account has been forgiven by the government. Not only are there inconsistencies on the reporting of this account, this account should not be reflected on my credit reports according to the FCRA because this account is not accurate. 

Please investigate if all information is correct. If not, please remove them from my credit report. In your findings, you may see how this account should not be reflected on my credit report. The last status that you have reported is : Current account/was a collection account, insurance claim or government claim or terminated for default. Please delete this account
Product: Mortgage

OCWEN Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXXHas Month after Month POSTED Principal ONLY payments as XXXX monthly payments. 
Charged a late charge of XXXX when I have proof ( XXXX ) of timely payment. 
OCWEN REFUSES to POST payments AS PAID, Principal and interest. This is a on goingmonth after month problem.
Product: Credit reporting

Jcpenny has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX I was XXXX. Throughout my XXXX ( XX/XX/XXXX ) I had a XXXX. I am still currently going through XXXX in result of having having my XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Walmart passed me onto the credit card insurance company to submit a claim. I was not abl3 to resolve this issue and have contacted JCpenny and the credit card insurance department as well. Please remove this negative information.
Product: Credit card or prepaid card

XXXX I paid {$290.00} and at that time the available credit was {$6000.00} of {$6000.00}. I haven't used the card since and I'm travelling and I can't find it in my stack of cards. Some of the other cards have unauthorized charges on them as well. I don't know what the balance is now as I can't log in to paypal so I don't know what the damage is but I'm tired of worrying about this and I want it replaced and my credit report back to perfect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the dispute I sent to XXXX XXXX, XXXX, Equifax and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX I am disputing the accuracy and completeness of XXXX/XXXX  XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( Equifax  reporting of this account ) Exhibit 2 ( XXXX  and XXXX  reporting of this account ) Exhibit 3 ( XXXX XXXX manual reporting guidelines for paid charge off account ) Exhibit 4 ( XXXX XXXX manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, XXXX, Equifax and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to XXXX XXXX manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB. 
Exhibit 1 ( Equifax lender report ) Exhibit 2 ( XXXX  and XXXX  Report XXXX Inaccuracies : 1. XXXX ( Highlighted in yellow ) a. Equifax reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX  of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. Equifax reporting Charged off Account. XXXX  reporting Charged off account. XXXX  reporting Purchased by another lender. Exhibit 3 is from the XXXX XXXX manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled XXXX a. Scheduled monthly payment amount is blank. Exhibit XXXX demonstrates this is incomplete. 










Exhibit 3 ( XXXX XXXX Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 ( Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had difficulty using my online app to make a payment. As a result I had to reset my password and then make a payment. I was later assessed a late payment fee of {$25.00} because I had missed the bank 's cut-off time of XXXX XXXX by 3 minutes. Even though the bank was able to immediately debit my checking account and received payment on the day I authorized the payment.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XX/XX/XXXXXX/XX/2022