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

XXXX XXXX amount {$980.00}, XXXX XXXX XXXX XXXX XXXX XXXX  i disputed this MULTIPLE TIMES and all the times they have taken it off my report and after each time all three bureaus are allowing them to put this collection back on my report. I've asked for proof of this collection and to investigate it and they don't send they only add it back on and says its verified ive also sent a Sease and desist and never gave the permission to contact me laws 15 USC 168i ( a ) 6 ( b ) 3 laws 15 USC 1681i ( a ) ( 5 ) b
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing in reference to Experian. Experian is in violation of 15 USC 1681i ( 2 ) ( A ). I have sent in documents and in return Experian told me that I am a credit person. I AM NOT A CREDIT REPAIR PERSON. I am a person that has done a lot of research on line. that's all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the XXXX  Data Breach. I began a process of correcting issues on my credit report in XXXX of 2020. On XX/XX/2020 I filed a complaint with the CFPB to help get things corrected on my credit report. Today I am following up in hopes that we can get the remaining inaccurate items removed.
Product: Credit reporting or other personal consumer reports

I requested the information 1099-c for tax purpose the company failed to provide. upstart is reporting account on credit report the loan has been transferred the another agency but still reporting on my credit repot I believe the is a violation on 15 U.S.C 6802 ,15 U.S.C 1681 ( I ) ( A ) ( 1 ) ( A ), 15 U.S.C 1681 ( S ) ( 2 ) most delete from credit report and are also in violation of my 18 U.S.C 1028 ( A ) PASSING information without my lawful authority this is consider identity theft please remove from all credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On or about XX/XX/XXXX I sent validation of debt requests to Calvary PortfolioServices ( 2 XXXX accounts ), XXXX XXXX XXXX ( XXXX   account ) and XXXX XXXX ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. Calvary, XXXX and XXXX sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. Calvary, XXXX and XXXX continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore XXXX XXXX is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
Product: Money transfer, virtual currency, or money service

I want to file a complaint against Paypal. I know there are many as I've been reading the message boards of peoples experiences. They have over {$700.00} XXXX XXXX XXXX of my money and they say they have decided to " part company ''. They say they will hold my money for half a YEAR ( 180 days ) then give it back???? What the heck is that? They give no reason for this decision. I think they do this to people and then use their money for investments. They probably have a sister company making loans using the money they are holding and they need to go to jail. I have been selling on ebay since only XX/XX/XXXX, and have made over 2000, and have made transfers to my checking account 3-4 times with no issues. Then suddenly on XXXX XXXX I have an account limitation, meaning money can come in from buyers, but I can't touch it??? Paypal asks for photo id so I find an old scan of my license on my comp and send it. They close my account. Then I look closely at my scan and it was an expired license with a previous address. So I can see why they would see a red flag. Problem is, they won't let me go to XXXX  and scan my current license ( I no longer own a scanner ) or take a pic with my phone ... ..it 's a done deal!! What? You see how they just want to keep people 's money!? The want to USE it. This has to stop. If there is a suspicion of fraud you have to give people a chance to show you they are who they say. Paypal just wants to bully people and use their funds for their own personal gain.
Product: Mortgage

I had an FHA loan with Caliber Home Loan which was paid off on XX/XX/2018. 

I checked with FHA by calling XXXX and was confirmed that not only the loan had been paid off, but also was I told there is a balance of {$21.00} which will be refund to me through the lender. FYI, my FHA case # is XXXX. 

However the lender overpaid additional one month of PMI after pay-off on XX/XX/2018, making the balance increased to be {$200.00}. But the representative from Caliber named XXXX ( ID : XXXX ) refused to correct the error and refund to me.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX or XXXX and ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX or XXXX and ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

I underwent a XXXX XXXXXXXX situation where my finances were stripped and was incapable of paying the loan XXXX of 2021. I have consistently never missed a payment and the situation I underwent prohibited me from being able to pay on time. Id like for this to be removed since the police had gotten involved and had to recover my finances.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX XXXX XXXX stating that my loan has been forgiven on XX/XX/XXXX. It states the forgiveness is effective as of XX/XX/XXXX and that they have or will notify all the national credit bureaus. I called XXXX to get a more accurate estimation of how long it takes to update my credit reports with this information and I was advised by two separate representatives that it would take approximately 90 business days which equates to 6 months to see an update on my credit report. I advised the last representative that I would like to speak with someone else regarding this and was told I would be transferred to someone in the credit department, upon transfer I was disconnected. I then checked my credit report to see that XXXX hadn't updated any information on it since XX/XX/XXXX. Since I have not been able to address this issue with anyone in the company other than to be told of this 90 business day timeframe I am making this complaint as I believe waiting 6 months to see an update on my credit report is a violation of the Fair Credit Reporting Act and of my consumer rights, this timeframe is not fair and timely and could cause an undue hardship by not reflecting current and accurate information and affecting my overall credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I called Mohela and complained they were reporting information on my report several times. I also requested to consolidate the loans and was approved for consolidation. When I opened the loans I was not told the loans would have several accounts. I was never told the the several accounts would report several times and on different dates. This is false inaccurate reporting and ruining my credit because each month my credit decreases by XXXX points and has done so for 15 years. This is ruining my credit, stopping me from getting a house, and good employment. 
I called again in XX/XX/2022 and complained about the same issue and 2 days later another XXXX balance was added to my credit report even though I requested my loans be consolidated into one payment on one account. This eas never was never done. I also requested to defer my payments until XX/XX/2022. I was told this was approved as well but the loans still keep showing past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. IT HAS BEEN MORE THAN 120 DAYS SINCE MY DISPUTE. PURSUANT TO 15 USC 1681, IT IS NOW MY LEGAL RIGHT TO HAVE THESE ACCOUNTS REMOVED. ALSO, ACCORDING TO 15 USC 1681b ( a ) ( c ) ( 2 ), THAT THEY NEED TO FURNISH IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS.
Product: Credit card or prepaid card

I have citibank costco credit card. It will expire on XX/XX/20. Citibank chose to close this account once it expires on XX/XX/20. This account is have no past due or has been late on payment. Citibank also dont want to give the rewards i have earned by using this card. So far I have like {$700.00} of rewards that is suppose to be given in XX/XX/2020. Its ok if they close the account but I want my rewards. I tried to talk to citibank to keep my card but they wont.
Product: Credit reporting or other personal consumer reports

I have Unauthorized Fraudulent accounts and Hard Inquiries on my credit report..15 U.S. Code 1681i 15 U.S. Code 1681s 15 U.S. Code 1681b 15 U.S. code 1681 a 15 USC 1692 FDCPA according to those laws this information should be removed from my credit report immediately..I never signed any contract agreement with these companies was never notified or gave consent to these companies. 

Unauthorized Fraudulent Hard Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On my credit report there is multiply signs of identity theft. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Therefore I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

BBVA is not allowing customers to make partial payments under the minimum payment amount required.

BBVA is calculating minimum payments in a way which is illegal. They are calculating a minimum payment based on the balance in the period, additionally adding any amount between the over credit limit amount and the credit limit. 

In my case BBVA is calculating the minimum payment allowed, and not allowing me to make partial payments online as {$320.00}. My credit limit was {$3900.00} before closing the card. The balance on the card is {$4000.00}. BBVA changed the credit limit from {$6000.00} to {$3900.00} last year. BBVA asserts that the minimum payment is whatever the monthly balance is, and additionally the spread between the over limit. In this case they assert they can set the minimum at whatever calculations for late payments plus the {$110.00} difference of over limit amount. The monthly minimum payment they claim is {$72.00}. Within the minimum payment math they believe they can multiply that by 3 for previous missed payments in XXXX and XXXX. They have applied payments in XXXX and XXXX to previous months and are still rolling forward the arrears to future months even though they have assessed late fees. 


Further BBVA is not applying amounts to current months. BBVA is stating that a missed payment in XXXX allows them to apply current months payments for that missed payment and subsequently classifying payments made in future months.
Product: Credit reporting or other personal consumer reports

XXXX is furnishing incorrect and incomplete account names, account numbers, payment histories, original creditor, company sold, account type, balance and term information with my nonpublic personal information to consumer reporting agencies. I have previously communicated this to XXXX. 
I read articles published by the Consumer Financial Protection Bureau ( CFPB ), which helped me find regulations that govern XXXX  XXXX and can assist me under the Consumer Credit Protection Act ( CCPA ). 
The Fair Credit Reporting Act ( FCRA ) excludes a consumer report from containing information solely as to transactions or experiences between the consumer and the person making the report The act further excludes a consumer report from containing any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
In this case, I am the consumer and XXXX is the person furnishing reports to consumer reporting agencies. According to the FCRA, XXXX is excluded from reporting information of any transactions, experiences, authorizations or approvals of an extension of credit on my consumer report. Why then are they furnishing my nonpublic personal information? 
I have previously communicated to XXXX that they are reporting inaccurate information. XXXX failed to notify me of negative information being added to my consumer report at any time. XXXX has failed to investigate, correct or delete inaccurate, incomplete, or unverifiable information, yet I am not in receipt of anything suggesting that my disputes were frivolous. 
The FCRA prohibits unauthorized disclosure to unauthorized parties. XXXX has furnished my nonpublic personal information to third parties that have not been authorized by me. Non-affiliated consumer reporting agencies have received and disclosed information pertaining to me from XXXX. 
I learned that 15 U.S. Code 6802 entitled Obligations with respect to disclosures of personal information requires XXXX to provide disclosures to me including an opportunity for opting out of and directing that my nonpublic personal information not be disclosed to any third party before it happens ; an explanation of how to exercise that nondisclosure option ; and disclosure of any joint or contractual agreement XXXX has with another financial institution to perform other functions requiring that third party to maintain confidentiality of such information. Why would I not have taken advantage of these benefits were they provided to me? Had XXXX provided these mandated disclosures, I would have opted out immediately. 
The CFPB stated that ... consumer reports can operate as a gatekeeper to significant life and economic decisions.Nordstrom furnishing inaccurate information to unauthorized parties is biased, unfair and is definitely having a negative impact on my ability to provide a safe home, vehicle, food and basic life necessities for myself and my family.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.