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

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

HELLO MY NAME IS XXXX XXXX I AM MAKING THIS COMPLAINT BECAUSE I AM A VICTIM OF FRAUD WHO HAS STOLEN MY CREDIT CARD AND THE CREDIT CARD OF MY AUTHORIZED USER [ XXXX XXXX ] BOTH CARDS HAVE ALWAYS BEEN WITH ME EVEN IF I HAD NOT GAVE THEM TO MY AUTHORIZED USER, BUT SOMEONE STOLE MY CREDIT CARDS TO MAKE FRAUDULENT PURCHASES, AND CURRENTLY MY ACCOUNT HAS A BALANCE BECAUSE OF THE FRAUD..
Product: Debt collection

I contacted the debt collection agency and asked for debt validation and verification to be sent to me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting to credit bureau in a timely manner or reporting and then changing it back I suspect to keep customers at a higher interest rate I have paid at least half of my card off and its been almost 60 days and it has not been reported to the credit bureaus on Experian it was reported and then changed back bringing my score down
Product: Vehicle loan or lease

I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO GRANDVIEW FINANCIAL NUMEROUS TIMES, I HAVE ALSO REACHED OUT TO XXXX NUMEROUS TIMES. THIS ACCOUNT WAS OPENED MAINTAINED WITHOUT MY KNOWLEDGE. THIS IS A FRAUDULENT ACCOUNT.
Product: Checking or savings account

To whom it may concern. 

I want to complain about a very concerning problem related to the payment service PayPal offered atpaypal.com PayPal limited my account without prior notice and held my money for XXXX days to cover any disputes. 
Their customer service always promised that they will release my funds after XXXX days. I logged in to my account after the XXXX days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 

Thank you
Product: Credit card or prepaid card

my sponsor, EDD sent me a bank of America prepaid card with my funds on XX/XX/XXXX. i have never received a card. i have called BOA multiple times and just yesterday i received my card XX/XX/XXXX. I was having a hard time creating an online account because I need it the card number to create one. 2hen i went into account it is showing i had a card with all my benefits that have been used. BOA will not help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried twice in the past six months to get my free credit report from Experian. I tried online and sent hard copy request to no avail. 

I finally gave up, but recently discovered in the lease of a new vehicle, that Experian Provided incorrect score to dealership that was about 100 points lower than my XXXX  and XXXX  scores.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 remove any items in the file of a consumer that the consumer identifies as information that resulted from an 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

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Date open on my accounts are different.
Product: Credit reporting, credit repair services, or other personal consumer reports

I new debt has shown up on my credit report that is a flat-out lie. Equifax has reported that I owe XXXX XXXX {$370.00} and the debt collector is a company called XXXX XXXX  XXXX. I have that hard to believe when I actually have documentation directly from XXXX showing this balance is PAID IN FULL!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw numerous accounts that do not belong to me, nor have I applied for. The company showing a closed account is XXXX XXXX XXXX XXXX XXXX I also noticed multiple inquiries reporting : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not recall the date, sometime in XX/XX/XXXX or XX/XX/2018. I had advised the company not to call my work, putting me at risk to lose my job.
Product: Debt collection

On XX/XX/XXXX I got a notification from XXXX, through XXXX XXXX that the account was closed. It was not on my credit or collections from XX/XX/XXXX tbrough XXXX XXXX. Then after it was closed it shows back up on my credit. An account that is closed can not be reopened or put back on your credit report?
Product: Debt collection

In XXXX, a credit card was opened under my name for the following account : COMENITYCB/ZALESXXXX The account spent an amount of {$5300.00}. I notified the credit bureau fraud teams and Zales immediately, and the account was promptly closed. However, a collection was opened for this exact amount ( {$5300.00} ) under " XXXX XXXX XXXX '' in XXXX, even though the Zales account was previously closed and removed from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, WI XXXX ) opened an account in my name for someone who fraudulently obtained my information on XX/XX/2015. Account charged off. {$990.00} written off. {$240.00} past due as of XXXX XXXX was never aware of this company before seeing derogatory information from them in my credit report. I have disputed this multiple times with Experian with no results. If this is my account I want to know what was ordered, and where it was shipped as it appears this card is specifically for online shopping stores.
Product: Credit card

My account was closed without reason I called and a rep by the name of XXXX was rude and extremely unhelpful
Product: Credit reporting or other personal consumer reports

Dear XXXX, I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. 
Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ).

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date.

I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this evidence, the creditor can not lawfully report a payment as late.

Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. 

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report.

Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : Chicago Post Office Employees Credit Union I expect that you will fully investigate this matter and provide a response within the time frame required by law. 

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

My mortgage was put into a disaster forbearance plan in XX/XX/XXXX from Hurricane Irma. At the end of the six month forbearance ( XX/XX/XXXX ) i was offered and accepted a loan modification with trial payments that put the six months from the forbearance onto the end of the loan. On or about XX/XX/XXXX, my mortgage lender SLS, reported me 180 days delinquent. Those so called delinquent payments were added to the end of the loan and thus cant be delinquent. I have tried numerous times to explain with numerous letters and phone calls but to avail. I had four other mortgage lenders gave me the same disaster assistance with the payments added to the end of the loan, and none reported late ever. SLS is acting with a complete disregard for the consumer. Inflicting even more damage now than was caused already by the storm.
Product: Checking or savings account

I set up a bill payment from my checking account on XX/XX/year> for my mortgage. On XX/XX/year> Bank of America took the monies out of my account. The same day it appears they put a HOLD on the transaction. The payment was due by XX/XX/year>. I assumed it was paid. Today I received a notice from my mortgage company the payment was not paid. I looked in my account and my money was gone and the payment has been on hold for 22 days with no notification to me. No one from Bank of America knows why the payment was held. No one can tell me if that is going to happen again. No one can give me my money today so I can wire my payment before it is 30 days past due affecting my credit. This is literrally theft by Bank of America. They are offering to cancel the transaction but I will not get my money back today. This is unacceptable. I need my money today and they need to wire the payment and cover my {$380.00} late fee today.
Product: Mortgage

Dear Sir, Ma'am Greetings, As a XXXX XXXX, and due to the Covid pandemic, in addition to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went through, I was not able to keep up my mortgage in the property located at XXXX XXXX XXXX, XXXX XXXX XXXX  I was placed on VA approved forbearance plan for XXXX months. 

However, I needed a six month-extension for my forbearance plan while I am collecting the money to become current in my mortgage. 

The VA administration issued the circulation XXXX XXXX to grant all veterans an addition six months for forbearance plan totaling eighteen months. I engaged my loan servicer ( Freedom Mortgage ) to request this VA approved six-month extension. 

But Freedom Mortgage denied my request. Freedom Mortgage said your loan lender ( XXXX XXXX ) approved Freedom Mortgage 's rejection to my request of the six-month forbearance extension. 

During my phone conversation of XX/XX/2022 with the XXXX  XXXX XXXX XXXX XXXX. She informed me that my mortgage account was unjustly referred to foreclosure proceedings. She added I and all veterans were granted that six-month extension by the Department of XXXX XXXX. 

XXXX XXXX, also, advised that I file a complaint with Financial Consumer Protection Bureau because Freedom Mortgage violated my rights by their decision. 

Thank you in advance for your help and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to resolve this XXXX account and to no avail. This is not my account and it continues to report incorrectly in addition. 

XXXX/Experian report the account as Closed ; XXXX reports it as Open XXXX reports a different balance than Experian/XXXX  All three bureaus report different terms each. 
All three bureaus report different payment statuses. 
All three bureaus report different dates of last activity. 
All three bureaus report very different payment histories.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Deleted an account that was the result of Identity Theft XX/XX/XXXX XXXX. 
Today XXXX XXXX my monitoring service notified me that it was gain placed on my EXperian credit report. 
Per FCRA once an item is deleted is not to appear again on my personal credit report. 

Confirmation of the Deletion via Experian XX/XX/2021 EXPERIAN Report no XXXX ( confirmation of deletion ) XXXX ACCT NO XXXX
Product: Credit reporting or other personal consumer reports

Please review the attached docs. 

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry from XXXX that XXXX XXXX notified me about on XX/XX/2022. That inquiry was not me. Id like it removed please
Product: Credit card or prepaid card

Bank of America XXXX rewards XXXX card, I called XXXX to purchase a ticket and in doing so they repeatedly charged my credit card in the amount {$790.00} for the train ticket on XXXX XXXX. So I called Bank of America credit card division on XXXX XXXX XXXX stating that I had {$8200.00} in pending charges from XXXX and that it should only be {$790.00} and the additional charges were not authorized by me and that all these charges put my credit card over my authorized limit.Now I explained that the card has now been useless to me and i can't purchase food with this card. The Credit card company stated it might take 10 days before these charges come off. And if the charges stay you can dispute the charges.I also contacted XXXX to no avail.
Product: Vehicle loan or lease

1. VW Credit refuses to provide me with a payoff quote amount today XX/XX/2022. I went on line & says i have to go to one of their chosen dealers & purchase another V.W to get payoff quote.

2. When calling i get the same response & refusal to provide this basic information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out because the Dept. of Education declined my request for a parent plus loan for my daughter who is going to her 4 year in college. I had some problems with mortgage payments due to treatment and XXXX XXXX but I have been making payments consistently for over 15 months. XXXX XXXX XXXX and I came to a Forbearance agreement but I started making payments earlier then I expected. We then agreed on a Mitigation that required me to continue to make consistent payments and I have done that. 
Now for the first time, they are reporting me as delinquent and therefor affecting the parent plus loan with the Department of Education. 
I have called XXXX numerous times because Student Loans have asked for confirmation that my payments have been consistent, They have promised to send the information numerous times but they never do. I need my daughter to complete school because if she misses 1 semester, I fear that they would not go back or take a long time to go back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

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

I have been disputing these accounts for over a year now. These aren't my accounts someone took my information when I was locked up and use it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the accounts that's listed are not my accounts.
Product: Debt collection

A company by the name of " Portfolio Recovery '' has re-aged an account and reported it to the credit bureaus. The credit card account was previously closed in 2012 but is being reported as a new charge off with a new and recent date, which is affecting my credit score. Also, I was never contacted by " Portfolio Recovery '' to validate any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Regarding XXXX, XXXX, and TRANSUNION, I'm writing to you. Evidently, I've written you about this in a number of letters. They have disregarded my demands for some reason. 

My consumer rights are being violated by these credit bureaus. 
They broke both the FCRA and the CFR. Please see 15 U.S.C. 1666. ( B ). Another statute that is relevant to this letter is 15 USC 1681 ( B ), which stipulates that I, as a consumer, must grant you PERMISSION to provide information on my behalf. 

I have not yet given such authorisation to you or ( XXXX, XXXX, and TRANSUNION XXXX XXXX XXXX ). Additionally, in accordance with Section 604 of the Fair Credit Reporting Act, Consumer Reports may be used for any lawful purpose. in general Anything subject to subsection ( e ) XXXX billing error resolution. 


I've provided a copy of the tracking number below to demonstrate that I sent them individual letters for each credit bureau. 



Kind regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Credit reporting or other personal consumer reports

This was my follow up regarding the items flagged with an FTC report that have not been removed from my credit file. Again, should there be a continued failure to remove the inaccurately reported items listed below, due to the erroneous reporting of personal information, I am prepared to transfer my documents to legal counsel to initiate legal proceedings. My preference is to avoid legal action ; hence, I urge compliance with applicable laws. I request the removal of the following inaccuracies, reported without my consent or knowledge, from my credit file XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX. Should you maintain that this information is accurate and verifiable, I request documentation that includes my signature for each disputed entry, as I believe no such documentation exists. In the absence of such evidence, I formally demand the immediate deletion of this information from my credit file maintained under my Social Security number. You are allocated four business days to remove any information resulting from erroneous reporting. I explicitly object to the use of E-OSCAR or any automated verification process in reviewing my dispute. Enclosed with this communication is my FTC report, reference number : XXXX.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are not reporting factual inaccurate late payments ( see attachments & evidence )