23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received an email that my PayPal account had inconsistent activity with their user agreement and I am no longer able to use PayPal services. I have checked my activity. I have gone through the payments Ive made with PayPal account and dont see anything thats against their guidelines. I mainly use it to make payments on my bills. My bank card and bank account are directly linked. I did have my card replaced because of fraudulent charges but that was with my bank directly not PayPal. I tried to contact them and I dont think the person I spoke to even pulled up my account just said I could dispute their decision, did not say what was the reason besides inconsistent activity and I could find that information on the user guidelines, which again do not state anything that I did. Very vague guidelines not explaining why I was permanently suspended.
Product: Credit reporting or other personal consumer reports

My account with 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 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 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

I filed a dispute about incorrect items on my report and the investigation has been well over 30 days. I have not gotten any response about the investigation
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was a victim of theft while in XXXX, XXXX. After leaving a club, a taxi driver persistently offered us a ride, claiming he charged the same as XXXX. We accepted his service, but during the ride, he deviated from the GPS route and asked for my phone to confirm directions. At the end of the ride, he refused to return my phone and stole it. 

My phone was unlocked, allowing the thief to disable Find My Phone, change my passwords, and make unauthorized transactions using my bank account through XXXX and XXXX XXXX. The fraudulent transactions included : XXXX : {$1500.00} sent to XXXX XXXX XXXX : {$500.00} sent to XXXX XXXX XXXX XXXX  Wallet : {$260.00} charged to my XXXX XXXX ( XXXX XXXX ). 

After the theft, I used my other phone line ( associated with the same XXXX plan ) to call Chase at XXXX to report the theft of my phone and credit card. During this call, I informed the agent about the unauthorized transactions. Despite taking immediate action, Chase has denied my claim and has not reimbursed the stolen funds. 

Additionally, I want to emphasize that I do not know the individuals to whom the money was sent ( XXXX XXXX and XXXX XXXX XXXX ). I have never had contact with these people, and they are not saved in my phones contact list. I do not send money through XXXX to anyone who is not in my contacts. Therefore, I am requesting proof or evidence that I authorized or had any connection to these individuals. I have also reported them through the Internet Crime Complaint Center ( IC3 ). 

Furthermore, on XX/XX/XXXX, I contacted Chase and requested copies of the call recordings from XX/XX/XXXX to provide additional evidence for my case. However, I was told they could not provide me with these recordings. Instead, I was instructed to attach evidence to support my claim, which I did. Unfortunately, this process was futile, as I still did not receive adequate assistance or resolution. 

In contrast, I also disputed the fraudulent XXXX XXXXt transaction with XXXX XXXX ( XXXX XXXX ), and they approved the reimbursement. This demonstrates that the transaction was recognized as fraudulent. 

I am attaching the following documents to support my complaint : XXXX claim filed for the theft of my phone. 
XXXX statements showing the activity on both phone lines, including the call made to Chase after the theft. 
IC3 report submitted to the Internet Crime Complaint Center. 
Dispute documentation for the fraudulent transactions with XXXX XXXX ( XXXX XXXX ), which was resolved in my favor. 

I kindly request that Chase reexamine the XXXX transactions and reimburse the funds stolen from my account. As a loyal Chase customer, I expect the same level of support and resolution I received from other financial institutions impacted by this incident.
Product: Credit card

macy {$200.00} i, XXXX XXXX am a victim of identity theft I have never applied for any card with Macy this needs to be removed from my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 about XXXX XXXX  PST, I received message saying that someone login my robinhood account in NY while I lived in CA. And robinhood " nicely '' remind me if it was not me, contact them ASAP. I realized that was a scam so I tried to login in my robinhood app ASAP, but I failed. I tried to reset password but no email received. Obviously robinhood let someone changed my account email, password without asking me. So I emailed robinhood right away because they don't have phone customer service. However, the next day, someone opened a cash management debit card from my account, sold my stocks and withdraw my money! During the process robinhood is doing nothing! How a company doesn't have any protection when they are holding people 's money! It is so ironic that I can not login in my own account while the hacker can freely use my money without verification. Such a joke! Robinhood, please give me back my account and my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX did not properly notify myself abd provide a legal legitimate wet signature for said collection. It was disputed and no response from them on legitimacy of debt. As I do not know that company. They reported it to all 3 bureaus without me being acknowledged of Alleged debt without proper validation and contact with me. Allegedly there was an account from Advance America without my signature again they will not verify
Product: Vehicle loan or lease

Santander Consumer USA states in their contract that the customer has a XXXXday grace before late charges are applied, however, what they do not tell the customer is that they charge {$18.00} per day in interest as well as the compounded interest of the loan per day. This results in the loan payment not being applied to any of the principle but entirely to their interest. I found this out when I made a payment of {$570.00} and all of it was applied to their interest rates. I did more research and I found out that this practice is illegal. 

This is a predatory loan company.
Product: Mortgage

I called in to resume payments to my loan, after receiving the MIHAF funds. The agent suggested that I applied for a partial claim. The application was submitted for the partial claim and denied. I was then advised to submit the loan modification application. I submitted the application with all of the required documentation. I have called in multiple times, requesting a supervisor call back. A supervisor by the name of XXXX or something to that effect, called me back and advised that she would research the issue and follow up with me later on that day ( that was in XXXX ). I have been calling in every few weeks requesting a status update on my loan modification. i received a letter dated for XX/XX/23 that I was offered a loan modification and that I would receive the terms of the modification within 15 days. Those documents have not been received or sent as of today 's date. I am unable to make single monthly payments on my account because of the account delinquency. When I originally called in to resume my payments back in XXXX, I was eligible to make the monthly payments and setup an arrangement for the the past due amount. I am extremely frustrated and stressed because I do not know that status of this loan modification. I have been advised on multiple occasions that a member of their leadership team would follow up with me.
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 15USC1681. 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 Department Of Ed/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, 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. 

XXXX XXXX XXXX XXXX has violated my rights. 
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  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 reporting or other personal consumer reports

Someone got ahold of my information years ago and I reported identity theft years ago. I have inquires on my report that I did not authorize. They are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX My credit cards I use to have because of all of this my credit is bad I can't get anything. XXXX XXXX is saying my account which is closed. That I owe them XXXX.and something change round about estimated. But I made payments to XXXX XXXX which says they sent back or something was wrong. So who gets the payment how do I owe both. Also Discover account is supposed to be paid off. Suppose to help my credit. Nothing is right. Now I supposebly owe XXXX XXXX XXXX. XXXX XXXX XXXX and something when I only had a credit limit of XXXX How do I owe XXXX? And Discover canceled with bad credit after suposibly paying off that was my XXXX anyway. If anything they owe me. Everybody is blaming the other person. Somebody figure it out plz. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2024, Experian has failed to reply or respond to my request to generate a Credit Score. I contacted customer service and they told me that they would investigate. Their website said something like : you have not used a valid credit card in over 90 days. A strange policy when generating a credit score. The other 2 Credit Reporting Agencies are reporting. I need the Credit Score for a Debt Consolidation Loan. A possible Mortgage Refinance.! Can you assist.Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I sent EQUIFAX an identity theft packet containing my Identification documents, an official FTC identity theft report and a letter identifying the information resulting from identity theft. At this current time EQUIFAX is still reporting accounts resulting from identity theft onto my consumer credit file even after receiving all documentation necessary in order to block the reporting of these accounts. After speaking with an supervisor at EQUIFAX the supervisor claimed that the reason that the block was not submitted was due to the packet being incomplete for not having my identification in the packet. I am 100 % sure that my identification documents were attached in the overnight express envelope I sent them and that someone must have removed them upon receipt. In order to avoid any further confusion or excuses by EQUIFAX employees as to why they can not comply with the Fair Credit Reporting Act 15 USC 1681c-2 ( a ) I am submitting this CFPB complaint along with all of the previous information sent and an identity theft affidavit so that EQUIFAX does not give any more excuses as to why they can not comply with the Fair Credit Reporting Act and block the reporting of these accounts reporting as a result of identity theft. For the record, I have attached a NOTARIZED Identity theft Affidavit with the complaint and I have clearly communicated that this information is not resulting from any transaction by myself as the consumer involved. It is crucial that EQUIFAX give the proper attention to this matter and file this identity theft dispute accordingly to prevent these data furnishers from simply " auto-verifying '' and re-reporting this information reporting as a result of identity theft. This information must be properly blocked from reporting in accordance with 15 U.S.C. 1681c-2 ( a ), all required information has been provided pursuant to the subsection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the Chrysler capitol on XX/XX/XXXX. I have not received a response.
Product: Credit reporting

On XXXX XXXX, I checked my credit report and the following inquiries were deleted. I logged in today and there are back and my score when down. 
XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Rent XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX I obtained a copy of my credit report. I am attempting to purchase property and was denied. What I became aware of is the fact that this company was in violation of my rights. The information that was reported was/is a DIRECT violation of FCRA SECTION 623, 15 U.S.C. 1681s-2 ; 12 CFR PART 1022, subpart EXXXX I have sent several letters to NAVIENT about this issue and I have even called them to no avail ..... 
I started sending letters to them in XXXX of 2021 when I first became aware of this issue and they never corrected it.
Product: Credit reporting or other personal consumer reports

I have a late payment on my credit report with Synchrony bankXXXX from an account that was opened in XXXX. The account was closed in XXXX and I have contacted Snycb/XXXX  at least XXXX times asking for a letter stating that the account was paid off in XXXX. Each time I speak with them, they tell me it will arrive in the mail between XXXX and XXXX business days. I have been contacting them since XXXX of XXXX and I still do not have any mail from them. It is very frustrating, and I do not understand why I can not get this letter. They denied me an email or fax. 
Thank you for your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 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 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 XX/XX/XXXX XXXX I never gave no one permissible purpose to pull my consumer report these inquiries are fraudulent and need to be block immediately.
Product: Credit reporting

I have sent several letters to Transunion disputing inaccurate information for XXXX accounts providing documentation these were paid by insurance company ( medical accounts ), proof payment was not 30 days late, updating employment information, etc. and they will not respond. I have disputed online and via mail providing adequate proof and yet they issue no response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " XXXX '' not " XXXX ''! I only gave permission for 'one ' credit inquiry. Please delete XXXX from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, MI XXXX b ) XXXX XXXX XXXX XXXX, TX XXXX c ) XXXX XXXX XXXX XXXX, TX XXXX d ) XXXX XXXX XXXX, OH XXXX e ) XXXX XXXX  XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am looking at my credit reports and notice a bankruptcy reporting. I sent multiple requests to Lexis Nexis about reporting this information without my consent and in violation of my privacy and they have yet to rectify it. This information is not accurate and has damaged my ability to obtain a home improvement loan for my house. I reached out to the court, whom Lexis Nexis claims is the one reporting it, and they sent me confirmation they do NOT release this sensitive information to anyone.
Product: Credit reporting or other personal consumer reports

Dear Experian and CFPB, I am writing to formally dispute multiple discrepancies on my credit report that involve unverified, outdated, and misleading information. The inaccuracies in my report have significant implications for my credit health and overall quality of life, and I urge you to address these issues promptly. 

The following details are particularly concerning : **Experian Account # : XXXX - **Account Type : ** Revolving - XXXX XXXX XXXX XXXX* XXXX - **Account Status : ** Open - **Monthly Payment : ** {$280.00} - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$9700.00} - **Credit Limit : ** {$9000.00} - **Past Due : ** {$790.00} - **Payment Status : ** Late 60 Days - **Last Reported : ** XX/XX/XXXX - **Date Last Active : ** XX/XX/XXXX - **Date of Last Payment : ** XX/XX/XXXX Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inaccuracies present in my report violate this statute and have resulted in detrimental effects on my ability to secure credit, housing, and other essential services.

Furthermore, 15 U.S.C. 1681i provides me with the right to dispute incomplete or inaccurate information and obligates you to investigate the validity of the information being reported. The misrepresentation of my credit account status directly impacts my credit score and overall financial well-being, causing undue stress and hardship.

I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to correct the inaccuracies on my credit report. The presence of misleading information can not be understated, as it undermines my financial stability and future opportunities.

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response confirming the actions taken to rectify these inaccuracies. 

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

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX 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