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

Back in XX/XX/2018 hired a lawyer XXXX was trying to get double pay on a car went to court civil court I won XXXX XXXX XXXX is still disputing with the credit reporting agencies That I still owe them over {$7000.00} I dont owe them nothing judge put in a judgment in my favor I won plus lawyer fees and court costs
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX # XXXX late payment reported on XXXX, XXXX XXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - TOTAL VISA XXXX XXXX XXXX account is reporting a 30 late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 or 4 open credit reports all for same car loan ... that has been paid off for 2 years ... on my credit report.it states they are open and late... I've tried to have them fix it. They did fix a few but I still have 3 or 4 open reports that say I owe and am late
Product: Credit card or prepaid card

BOA offered me a balance transfer promo rate on my BOA credit card. I had a {$10000.00} credit limit and had a balance of {$5000.00}. The promo rate was posted on my online banking. The offer was there yesterday ( XXXX/XXXX/XXXX ). I went to enter my information to transfer my balance today ( XXXX/XXXX/XXXX ), but the offer was gone. It provided a number for me to call. I called and spoke with a CSR and asked why the promo offer went away. He transferred the call to XXXX XXXX. I asked XXXX XXXX the same question about the promo rate going away. She proceeds to tell me that she was going to lower my credit line because I asked for a balance transfer. I never asked for a balance transfer. I told her to check the recording of the phone call. BOA and XXXX XXXX mislead me with unfair business practices. BOA lowered my credit limit instantly when I called to asked a question. I asked which regulatory agency I should contact, and she told me that there was no regulatory agency and that the bank can do what they want. I then spoke with a manager, XXXX XXXX, about this. She also told me that because I called they did a credit review and lowered my rate instantaneously. I have never missed a payment was using less than 50 % of my credit utilization on this credit card. Bank of America and its workers mislead me with there promo offer. This is the definition of unfair business practices. BOA hurt my credit because I called them. By doing this, BOA is making it difficult for customers to inquire of any issue. If you call BOA, they will punish you. For a company to penalize you for asking a simple question it misleading, unfair and creates a freezing effect. I have never missed a credit card payment so the lowering of my credit limit was completely punitive in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on thisXXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I noted some inquiries on my XXXX report that i did not authorize. I reached out to XXXX on these inquiries and they requested me to contact the companies involved of which i did with no resolution. I reached out to XXXX again who requested that a file a complain with CFPB.
Product: Mortgage

Loan officer, XXXX XXXX for Primary Residential Mortgage pulled both my credit report and my husband 's credit report without out consent. Officer never even spoke to my husband to obtain any approval. I told him up front we knew our credit was too bad at this time to obtain a mortgage and we were not wanting to apply for one, but just wanted information on possibly options for us in the future. We were unaware that he pulled our credit until we checked our credit a month later and noticed the score had lowered for us both due to hard inquiry by Primary Residential Mortgage. More than a month after he pulled our credit report, XXXX XXXX emailed me asking if I would sign a credit authorization consent form for his compliance department as he did not get this from us in XX/XX/2016 when he pulled our credit. We refused to sign the form and told him via email that we never authorized him to pull our credit in the first place and in fact, told him we were not wanting to pull our credit because our credit scores were too low at the time.
Product: Credit card or prepaid card

Paid off card in full so it would be available for XXXX but misplaced card in my house so I asked for a new one. Couple weeks later a got a message asking if I was trying to use my card for a {$1200.00} purchase. I immediately replied No and was told to call Fraud department, which I did. I was told that my new card was activated and used. I asked how that was possible if it wasnt me. They repeated a # that I dont know and is not my phone #. They cancelled card and told me to fill out paperwork and send back to them. I did as instructed and the charge was temporarily removed. I got a letter that said that dispute was not in my favor so once again I called to state my claim. They once again removed the the claim after sending in a written statement. Few weeks later I received the same results. I called investigators at this company and no one calls me back but they are still asking for payment
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX number XXXX {$1500.00}. XXXX XXXX Acct XXXX. XXXX {$1100.00}. XXXX XXXX XXXX XXXX Acct XXXX. XXXX {$1600.00}. XXXX XXXX XXXX XXXX XXXX {$4200.00}. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX {$2200.00}. XXXX XXXX XXXX XXXX. XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/23 I SENT A CERTIFIED DISPUTE LETTER TO TRANSUNION REGARDING INACCURATE ACCOUNTS ON MY CREDIT REPORT. AS OF TODAY XX/XX/23 THEY HAVE YET TO RESPOND. ACCORDING TO THE FAIR CREDIT REPORTING ACT, CREDIT REPORTING AGENCIES MUST INVESTIGATE ALL DISPUTES AND RESPOND WITHIN 30 DAYS FROM THE TIME THEY RECEIVE THE DISPUTE LETTER. TRANSUNION HAS FAILED TO INVESTIGATE MY DISPUTE OR RESPOND IN A TIMELY MANNER.
Product: Payday loan, title loan, or personal loan

I was contacted on XX/XX/2021 that I had a payment due in the amount of {$270.00} on XX/XX/2021. I've never applied with the company nor authorized them to open a payday/installment account in my name. Furthermore, I never received funds from said company for said account. 

I reached out to them on XX/XX/XXXX to submit a fraud complaint and have not heard from anyone within the company. I've called daily for an update and no one can give me any information as it pertains to this account. 

After researching this company it is known that Uprova has done this to multiple other people and even sent their accounts to collection. 

This is very illegal business practice and should not be tolerated.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these items from my report. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter.

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting

Have tried to retrieve report on line - reports requested- with information - went directly to : we can not process your request, please call or request by mail '' when I call I can not get anyone on phone to help just given address and request for mail in form and payment check to process - wanting copies of SS card and other info - I have no way of securing info once it is mailed-all agencies are doing same thing -
Product: Mortgage

This is a complaint against American Advisor Group ( AAG ). I filed a complaint with XXXX XXXX XXXX as I filed complaints with CFPB. AAG is a reverse mortgage company who isn't skilled with HUD Loan Requirements. I am not upset that I didn't meet HUD Loan Requirements. I am upset that AAG lied about returning the appraisal fee. See attached email chain, dates XX/XX/2020 guaranteeing refund and then 44 days laterXXXX declining refund. 
I am upset I have a needless inquiry on my credit report. Furthermore, they can check their Quality Control tapes and see that AAG stated they were pulling credit when the truth is they hire another company, XXXX XXXX, to pull credit who I did not authorize! And this is a violation of the FCRA Code section 604. 
So, AAG could have refunded the {$120.00} as they promised in attached email and removed the wrongful inquiry on my credit report and this would have been resolved long ago. Ridiculous! 
Attached is the complaint with XXXX XXXX XXXX together with other attachments.
Product: Credit card

While I was unemployed several times over the past year, I fell behind on my credit card payments. When I fell 90 days behind, Capital One kept the account open, and still accepted payments on it. 

I got the account caught up in XX/XX/XXXX with a {$340.00} payment. The account restricted. I called Capital One to inquire about the terms of the restriction. I was informed that because the account had gotten 90 days behind, I would need to pay it off entirely. Then I could apply for another account. So essentially the account is closed. 

However, Capital One never closed it. In the status that it is in, ( open but restricted ) I am unable to use it. My credit report will reflect an open card account with no available balance. 

They can continue to accrue interest, and I may incur potential late fees ; which has a negative impact on me. I guess my only sensible option is for me to request to close the account. 

Otherwise, if they are leaving it open and unusable ; they should cease charging interest, and just allow me to pay off the balance.
Product: Mortgage

Mr. Cooper sold my mortgage ... AGAIN ... 

XXXX XXXX was original ... all have been terrible ... re sales I would like to know what law permits it ... and who the author of it was ... so I can bark them out ... 

Thanks ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

CitiBank Na Inquiry Date : XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Removal of Inaccurate Late Payment Entry Dear Equifax Consumer Services, I hope this letter finds you well. I am writing to dispute a late payment entry that appears on my credit report with Equifax. Upon careful review of my credit reports from XXXX and XXXX, I have noticed that the late payment entry in question does not match the information provided by these two credit reporting agencies. As per consumer protection laws, I kindly request that you investigate this matter and remove the inaccurate late payment entry from my Equifax credit report. 
I would like to emphasize the importance of maintaining accurate credit information, as it directly affects my financial standing and creditworthiness. It is crucial that all credit reporting agencies adhere to the Fair Credit Reporting Act ( FCRA ), which ensures that consumer credit information is reported accurately, completely, and fairly. 
Enclosed with this letter, please find copies of my credit reports from XXXX and XXXX, highlighting the absence of any late payment entries for the specified account. These reports serve as supporting evidence to demonstrate the discrepancy between Equifax 's record and that of the other credit reporting agencies. It is evident that there has been an error in reporting, and I kindly request your prompt attention to rectify this situation. 
In accordance with the FCRA, I am requesting the following actions be taken : 1. Thoroughly investigate the late payment entry in question, including verifying the accuracy of the information reported.

2. If the investigation confirms the inaccuracy of the late payment entry, promptly remove it from my Equifax credit report.

3. Provide me with a written response detailing the actions taken to resolve this matter within the legally mandated timeframe of 30 days.

Furthermore, I would like to remind Equifax of its obligations under the FCRA to ensure that the information it reports is fair and accurate. This includes promptly updating and correcting any inaccurate or incomplete information, as well as maintaining a reasonable investigation process for consumer disputes. This violates 15 U.S. code 1666b.

I expect Equifax to handle this matter with the utmost urgency and professionalism. Failure to comply with the FCRA or rectify this issue within the specified timeframe may compel me to exercise my rights under the law to seek legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and pursuing legal action.

Please acknowledge receipt of this letter and provide me with a written confirmation of the actions taken to resolve this dispute. I can be reached at the phone number or email address provided below should you require any further information or documentation regarding this matter. 
Thank you for your attention to this issue. I look forward to a swift resolution and the removal of the inaccurate late payment entry from my Equifax credit report.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against Transworld Systems Inc for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given TSI any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with TSI and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving TSI any right to collect on this alleged date. It is my belief that TSI is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from TSI before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If TSI can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TSI can provide me with sufficient documentary evidence that I have the legal obligation to pay them for a wireless product. They have no product, phone number or anything attaching me to debt. If this documentation can not be produced and TSI continues its collection efforts I will file for litigation for actual damages caused and TSI will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also TSI has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s ) or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I sent XXXX Euros to my stepson in XXXX via PayPal. I have never done this before and made several major mistakes that I am trying to resolve : 1 ) the transaction was processed as a business transaction, when I thought I was making a personal transaction.

2 ) For some reason the transaction was repeated, so that a total of XXXX Euros was sent as 2 transactions, which completely depleted my bank account. It was not my intention to send this transaction twice.

3 ) In an attempt to get the second transaction cancelled, I requested that the money be refunded. I later cancelled this request since I had begun the process of submitting a claim to PayPal and was instructed by PayPal to do so.

Since that time, I have made over 10 calls to PayPal requesting to get my money returned. Each time I have called I have been instructed differently and told different stories. However, I was finally told that the intended recipient had to initiate the refund. He has subsequently requested that the XXXX Euros be refunded to me, as instructed by me, and was told that the transaction is now considered fraudulent and it may take 6 months to get the money to me.

I am totally frustrated by this process ; am out a lot of money ; and have not had responsible interactions with PayPal staff. On numerous occasions I have requested to speak with a manager, and each time that request has been rejected ( I am told it is notT possible ). 
Clearly, this is a not a fraudulent transaction - the recipient has not tried to withdraw the money, and I have been forthcoming in admitting that I made mistakes with the transaction. 
The money sits with PayPal ; my stepson has been more than compliant with my requests ; and I have been vigilant in trying to recoup my money. Since the money was intended to pay his college tuition, I have sent the money again with another vendor ( RIA ) without a problem. 

Any assistance that you can provide would be greatly appreciated. I am also going to report this to the local television station consumer advocate. 

Thank you.