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

This account has repeatedly been update as charged off every month. as a verify as accurante. 
this company violated my right because this account have to be removed from my credit report immediately I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report. 

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. 

ACCOUNT : XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a long-time user of XXXX and Paypal and have never had any serious difficulty with either while transacting small purchases over the years. For the first time, I attempted to sell an article as XXXX  urged and advertised as being something I easily could do using my existing PayPal personal account. <P/>I quickly sold an article for approximately {$160.00}. Only then was I informed by PayPal that in order to receive proceeds of the sale I would need to establish a business account and verify the associated address. I can not document some of this exchange as it consisted of screen messages I did not have the foresight to grab. I sent a copy of a page of a recent bank statement ( attached as XXXX ( XXXX ) ) in satisfaction of this requirement which PayPal dismissed as illegible and otherwise inadequate as they additionally demanded : A copy of your Certificate of Incorporation A copy of your Business Registration A copy of your Business License I can not comply as I do not have a licensed, registered or incorporated business and was not informed before the transaction such would be necessary. It appears the funds will remain frozen indefinitely and I have no informal recourse to collect them. Similar abuses were the subject of a class-action suit. XXXX v. PayPal, which has been settled. <P/>The attached correspondence and documentation provide details of our exchange and shows PayPal 's unresponsiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts fraudulently furnished to my credit report. I have contacted the CRA 's as well as creditors responsible for the fraudulent reporting. I have not been provided legal binding documents showing the validity of this fraudulent reporting from the CRA 's. The information is not consistently reported and one bureau is in compliance, where the others are not. I have informed each CRA of my final attempt at peaceful civil mediation, without prejudice with All Natural Inalienable Rights Reserved. I am requesting the removal of all of the information submitted to each CRA, XXXX, XXXX and Equifax are in receipt of my demand and complaint as of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended School at XXXX XXXX School in XXXX Florida. 

The school is owned by a driving company ; XXXX. 

The school advertised that their company guarenteed a job driving after graduation with a company who would pay for the education. 

However, during the enrollment and admission, they gave each student a binder with more than 25 documents to sign relating to licensing, school rules, and a finance agreement ( Student Loan ). 

After graduation, I was not given the job I was promised. In addition I learned that the school sold the finance agreement to PARAMONT CAPITAL GROUP ( {$7000.00} Surprise ) without any advance notification to me. 

Upon learning the school broke its promise of employment and its subsequent transfer of the loan, I reached out to PARAMONT CAPITAL GROUP and advised them that I am not employed and asked if they would agree to " recalculate my loan '' and allow me to skip the first couple of payments while I obtained work. PARAMONT CAPITAL GROUP agreed to the recalculation and moved the first couple of payments to the back. 

After doing so I made every payment on time and in fact, eventually, paid the loan in full more than six months early. PARAMONT CAPITAL GROUP however feels it is within their right to place two late payments onto my credit report in spite of agreement to recalculate the entire loan and reset payment dates. 

The entire education was substandard and the transfer of debt without delivering on the advertised promise of post schooling job placement to a company who will pay for the education was bad. But the actions of PARAMONT CAPITAL GROUP who refuses to accurately report the honorable satisfaction of all loan terms is defamatory. 

The relationship PARAMONT CAPITAL GROUP has with its producers is wrong at every level. I do not deserve to have this company lie about me on national credit bureaus.
Product: Mortgage

This is in follow up to complaint # XXXX that was filed on XX/XX/XXXX. 
The complaint was processed and closed on XX/XX/XXXX. 
I received a letter from LOANCARE , LLC stating that they apologize for any inconvenience caused to me for the past 2 months of waiting to hear from someone and working to get the issue resolved ... the letter gave me 4 options to choose from as to how I would like to resolve the issue. I was instructed to contact XXXX XXXX ... well that is easier said than done. I called her on several occasions and left several voicemails ... all were ignored. I called yet again and finally made contact with her, i informed her which of the options I was selecting to address the issue, and also asked that I receive confirmation from the company that they fully understand which option I have selected. 
I was given the following email address : " XXXX '' so that I could send my information there, which I did on XX/XX/XXXX @ XXXX PT. 
As of yet, I have not received any confirmation whatsoever. It is truly pathetic that this company treat customers this way. I am once again, now forced to file a complaint just to get a very simple response to what should have been an easily fixable issue.
Product: Vehicle loan or lease

I have an auto loan with a national-sized bank institution on auto pay since the start of the loan in XX/XX/XXXX. Payments were scheduled, in error, only for a finite time limit ; and they were scheduled to stop in XX/XX/XXXX. Unbeknownst to me ; payments in XXXX & XXXX & XX/XX/XXXX were not made because of the auto pay halt ( which was an error ). 

A REPO LETTER WAS SENT WITHOUT ANY PRIOR WARNING OF LATE PAYMENT -- I was only aware of the past due payments UNTIL I received a REPO threat letter in XX/XX/XXXX. 

NO ATTEMPT TO WARN OR ADVISE ON LATE PAYMENT STATUS -- I was NEVER warned, either by telephone call or in writing ; by loan institution that payments had been halted from XXXX-XX/XX/2020. When I call the bank ; they indicated that they had called on XX/XX/XXXX ( ONE TIME ONLY ) ; after 60 days. They left a voicemail pf the XX/XX/XXXX call attempt- no other efforts to advise me of the late payments were made by the bank by phone call or written notice. The XX/XX/2020 call was the only attempt to contact me by phone. The REPO letter had a XXXX XXXX XXXX XXXX date. 

DENIAL OF ANY COVID19 FORBEARANCE -- When I called to inquire as to why they account had fallen off auto pay I was never given any confirmation of any attempts to warn me of past due payments. In addition ; NONE of of the representatives of auto loan institution offer me a grace period or any assistance as a result of COVID 19 they just stated the account was past due. NOBODY at this account asked if I needed help as a result fo the halt in payments. 

DENIAL TO ADEQUATELY SERVICE ACCOUNT -- During my attempt to make the account current I waited on the phone for 2 HOURS and had to speak to at least 3 operators ; two of them who disconnected the call when I asked to speak with an account supervisor. One representatives ( when I called on a SAT ) indicated to me the he could not service the account because it was " in collections '' and I had to either go to a branch or call M-F only. When I inquired about why auto pay had been removed ; I had to call at least three different representatives before someone could give me a definite answer. 

ADVERSE REPORTING ON CREDIT REPORT -- When I inquired as to the affects to my credit report for the repo letter issued without any prior warning ; I was told I had to wait 90 days " to find out ''. There was NO offer to support correct the record or to determine why I was NOT warned about auto pay shutting of or before the REPO letter was to be issued. 

WAVIER OF LATE FEE -- Albeit the COVID effects and period history of not having ANY late payments since the commencement of the loan ; I was NEVER as offer to have the late fee waived. I had to call and ask for this request twice. I was to told at the bank branch the fee would be waived but when the new statement was issued it was NOT waived. I had to call and request it waived over the phone ; otherwise it would have NEVER been waived.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unauthorized information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Debt formerly held by XXXX, sold to XXXX XXXX, then resold to XXXX XXXX for a former debt holder XXXX? 

A debt has been removed from my report, has now been resold and re-posted. A violation on of the Dobb Frank act if I am not mistaken.
Product: Mortgage

Not sure this went through on first attempt so apologies if its a duplicate. Paid off XXXX mortgage early XXXX, awaited confirming info but got none. Finally called county XXXX to make sure prop tax bill name changed only to discover XXXX missed the XXXX payment and I had incurred a {$44.00} late penalty. I paid it and the overdue taxes then called XXXX. XXXX said escrow closed XXXX which is 7 days after Taxes due, and I would get the escrow soon. Said he would transfer me to a super but instead I was hung up on. Wrote a letter and notice of error email but was told to call the number again. Still dont have the escrow as of today XXXX. XXXX para 4 says XXXX must either pay the tax or return the escrow. Between XXXX and XXXX they kept the money and did not pay the taxes. They admit the Escrow Refund process did not begin until seven days *after* taxes were overdue. Rule states they must do one or the other not do neither. They did not contact me to inform me. Now, they still have the escrow money and I have also paid the taxes myself plus the penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX   {$57000.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX  ( XXXX XXXX {$0.00} XXXX ( XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  and Account # XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

BANK OF AMERICA; PXXXX XXXX XXXX XXXX FL  XXXX
XXXX XXXX

BANK OF AMERICA CLOSED MY ACCOUNT WITH NO EXPLANATION, I RECENTLY LOOKED INTO MY XXXX XXXX AND SEEN THAT THEY HAVE FRAUD LISTED ON MHY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was filed with XXXX informing them they are furnishing inaccurate an incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. 

The charge off accounts on my report are as follows : XXXXXXXX XXXX XXXX XXXX XXXX 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 companies 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 XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate debt reporting by XXXX, XXXX ( collection agency ), and XXXX XXXX XXXX, XXXX and Equifax which has adversely affected my credit reports with XXXX and Equifax. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused significant financial harm. 

Currently, I have filed a XXXX lawsuit against XXXX, XXXX and XXXX XXXX investments and will be pursuing the other XXXX credit bureaus if a fair resolution is not provided. ( XXXX XXXX vs. XXXX, XXXX XXXX XXXX, XXXX case XXXX ) Specifically, the inaccurate information includes Collections reported by PDM from XXXX XXXX XXXX which were business related debts and not personal, meaning they should have never been on my report yet they have ben reporting for several years even after attempts and disputes of removal. These inaccuracies have unfairly impacted my creditworthiness and financial standing. I have a signed letter from XXXX 's CEO stating that the information is in fact inaccurate and this letter was based on a former complaint I made through CFPB directly to XXXX. Yet it still remained 2 years after the fact and continues to report. 
Under the FCRA, I am entitled to accurate credit reporting and prompt investigation of disputes. Section 1681s-2 of the FCRA mandates that consumer reporting agencies ( CRAs ) like XXXX, XXXX and Equifax and debt collectors like XXXX must promptly investigate and correct inaccurate information upon request. 

Furthermore, these inaccuracies have caused me financial and emotional distress, which entitles me to pursue damages under the FCRA, including actual damages, statutory damages, and attorney 's fees as outlined in Section 1681n of the Act.

I have attached copies of the original complaint filed against these entities, along with supporting documents including credit reports highlighting the discrepancies. This documentation should provide a clear overview of the issues at hand. 

Therefore, I respectfully request the following actions from the CFPB : Removal of Inaccurate Information : I request that Equifax and XXXX Investments promptly remove the inaccurate debt information from my credit reports. 

Investigation and Correction : I request that CFPB investigate these matters thoroughly and ensure that all entities involved comply with their obligations under the FCRA.

Arbitration for Damages : Due to the financial and emotional distress caused by these inaccuracies, I request arbitration to address the damages incurred, as provided for under Section 1681n of the FCRA.

During the course of the collections mis reporting, I have been declined business loans which would have provided my business room to expand. I have been declined for a mortgage, credit cards and funding.

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me by responding to the complaint.
Product: Mortgage

Dear Staff, My name is XXXX XXXX. I recently bought a home that I went through American Pacific Mortgage to finance. 
The mortgage company forced me to put into escrow more than {$8300.00} extra in payments during closing, on XX/XX/2016. That money was to be used to install flooring and for a range. When I ordered the flooring from XXXX, American Pacific Mortgage at first refused to pay the company, telling me that I must pay out of my own pocket first then I get reimbursed, which is bizzare, since the escrow money is placed there for the purpose of paying for the costs of flooring and range stove, however, they want to withhold that and not pay. 

However, after some intervention, they sent {$4300.00} of payments to the store, and it got delivered. That took 2 days for them to process and send the payment. 

XX/XX/2016, I made another request to XXXX XXXX who handles escrow payments for American Pacific, for another approximately {$810.00} to pay XXXX for more materials. However, they did not reply, and thus, after leaving many messages and emailing over the last 3 weeks, I decided to contact in person the branch manager, XXXX XXXX, in XXXX XXXX XXXX, on XX/XX/XXXX, of American Pacific Mortgage but each time, they had ignored my request, no response or replies to my emails or call, causing tremendous problems with the flooring installer, having to return and wait upon the materials to come and not knowing when the rest of the materials will come. 

They made me sign an agreement to be finished at a certain date, which has way passed, but they have been the biggest problem in withholding the funds. 

Not being able to wait any longer, I decided to pay out of my own pocket the order on XX/XX/2016. I then immediately called XXXX XXXX and left a message, requesting the {$4000.00} balance of the escrow money I had paid into be reimbursed back to me, but it appears that he and American Pacific again refused to respond, thus, I am now contacting you to intervene to push for American Pacific to pay back that money I had paid them. 

Their Address of the person that should be sending the check is : XXXX XXXX - Assistant Comptroller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Checking or savings account

Initially I filed a XXXX XXXX XXXX claim on XX/XX/2022 with Bank of America, regarding 3 XXXX transfer I made on XX/XX/2022, each of the transaction is {$2500.00}, so total of XXXX XXXX.After 2 months waiting, BOA cleared that the transactions were made to a mistaken account number, they will claim the fund back to me, and on XX/XX/2022, instead of getting my {$7500.00} back, Bank of America made 3 adjustments on my account, they have taken ANOTHER {$7500.00} away from my account without any notification, nor enquiry, nor authorization, it was just taken away. I called back on Bank of America right away, there's NO explanation why they took my funds away under my account, I did not even have access to talk to the department which took my fund away from my account. So in despite of lost total of {$15000.00} with Bank of America, I can't even get the reason why the bank took the funds away from my account, they just did it, this is not acceptable service standard as bank offered to customer, it is also not a safe, fair institution for people put money in. Please kindly give me assist with the situation. Thank you!
Product: Credit card or prepaid card

I was hospitalized and late making payment {$170.00} due XX/XX/19 I paid XX/XX/19 late fee {$27.00}. ( I ask the bank to waive ) XXXX statement charge of {$370.00} XXXX isn't my charge. I didn't make this purchase. I wrote and disputed this charge, XXXX I subtracted that fraud amount {$370.00} and I paid {$150.00} XX/XX/19 I received a letter today saying I have XXXX PAST DUE. 

This isn't true I have XXXX past due on this account. 

My account is current {$170.00} Paid {$150.00} Paid {$370.00} DISPUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Granite State Management and Resources shows me as 90 days late on a payments from 2015.  All  XXXX  credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.
Product: Money transfer, virtual currency, or money service

XXXX XXXX sent me money through cash app, somehow it went to wrong account. And cash app support refuses to return money to sender or complete missing transaction to XXXX XXXX. The name on both accounts are same yet cash app is keeping the money, My cash app phone # XXXX