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

XXXX  and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two items on my credit that don't belong to me, i have tried to remove them and have gotten no where, this is stopping me from buying a home. 

the items below are what needs removed XXXX Opened XX/XX/XXXX for {$220.00} XXXX XXXX Opened XX/XX/XXXX {$170.00} these items no dont belong to me, they are fraud
Product: Debt collection

Pursuant to 15 USC 1692c ( b ) Transworld System INC is in clear violation of communication practices. Cease reporting to all consumer reporting agencies immediately. Third-Party is anyone that is not immediately associated with your company or myself. 


Failure to remove the account, subjects ARS to criminal liability for willful and knowing violation of federal law. 
15 USC 1611
Product: Credit reporting, credit repair services, or other personal consumer reports

We feel behind on our mortgage payment. All lenders we asked to not report late payments during the pandemic. We set up payment plan but Carrington still reported the the late payments. Due to this we cant get our mortgage payment lowed due to these late payment.
Product: Credit card or prepaid card

I have autopay setup through Synchrony 's autopay system for my credit card account with synchrony bank. The auto payment was processed on the due date of XX/XX/XXXX. The funds withdrew from my checking account on XX/XX/2023. However I was marked as past due on the XXXX of XXXX and was accessed a late fee of {$30.00} at the close of business on the XXXX of XXXX. I received an alert from one of my account monitoring apps that I was charged a late fee on the XX/XX/2023. When I contacted Synchrony bank they said it was because I had modified my autopay after the statement closed and that a payment was due. They had no record of the payment that had already withdrawn from my checking account and made no attempt to investigate a payment issue. I was blamed for the payment not processing. After telling them multiple times that money had been withdrawn by Synchrony bank for the amount of the autopayment they advised that the payment will most likely post tomorrow ( XX/XX/2023 ) and the late fee would be roll off. 
After escalating this to an account manager and asked if there was a way to avoid getting a late fee, he stated there is no way and that autopay can only be scheduled to withdraw on the due date and that a late will be charged until the funds completely clear from the bank and is received. I have checked my credit card agreement that is included in my statement and no where does it state that a late fee is the policy until funds are full received and processed. My second issue is that according to the credit card agreement interest is calculated daily based on the balance of the account. The late fee is apart of my balance for 3 days. This means that it is accruing interest for 3 days. I have taken a screenshot of the late fee that is showing as a completed transaction as of XX/XX/2023 and have received zero assurances that this will not cost me interest. This policy which I have been advised I can not avoid by an account manager is an undue burden or at the very least deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was asked to sign up for a rewards program on XX/XX/2022 and was told it wasnt a credit card so I decided it was fine to sign up but it turned to be a credit card and it did effect my score. I called the store to asked to cancel everything because of the miscommunication and I wanted my credit score back to how it was before.But they was unable to do so and and proceeded to tell me to call the number on the back of the receipt which I did and they told me to inform CFPB.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am being called as many as XXXX ( XXXX ) times a day from the number XXXX. They are attempting to collect a debt owed by " XXXX, XXXX '' who is not associated with me or my telephone number. This is related to my previous complaint with you, numbered XXXX, which you were unable to resolve as you could not identify the " creditor. '' They do n't identify themselves, and they provide inaccurate legal information ( I am an attorney ), such as " if we have to serve you, you will forfeit all your defenses - which is simply not true. That leads me to believe this is a fraudulent enterprise behind this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to SPRINGOAKCAP which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/XXXX. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. Lastly, you are reporting that the date last active was XX/XX/XXXXXXXX  which is untrue. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney. I will attach the dispute letter that was sent 6 months ago which is dated and time stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Texas is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 XXXX XXXXXXXX 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 or other personal consumer reports

On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue.
Product: Debt collection

I am not liable for the debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be advised that I am aware of my rights under the FDCPA and will take necessary legal action to ensure they are upheld.
Product: Credit reporting or other personal consumer reports

I see that Citi inquired into my report without my knowledge
Product: Checking or savings account

History of Complaint. 
In XXXX I opened a savings account with XXXX XXXX XXXX under a prgram with XXXX XXXX XXXX XXXX business program. The business program required a saving account to be opened and money deposited to it for a period of Ten Months. After ten months the dollar amount not exceeding {$2000.00} was used in connection with funds furnished by the XXXX XXXX XXXX to help open a business. The XXXX XXXX XXXX donated {$2.00} for each dollar saved not exceeding {$2000.00}. While in the program I was unable to start my business. I withdrew from the program and closed the saving account at XXXX XXXX XXXX. To close the savings account and withdraw funds I was required to provide an authorization letter from XXXX XXXX XXXX. In XXXX I obtained the authorization letter and withdrew and closed the savings account. From XXXX to XX/XX/XXXX I received letters from XXXX XXXX XXXX which I disregarded as I believed they were sent in error. In XX/XX/XXXX I opened one envelope and discovered the account was still open and contained {$200.00} and some dollars. 
I contaced XXXX XXXX XXXX to clarify if it was correct. I began depositing money into the account under the assumption that XXXX XXXX XXXX was no longer associated with the account. Between XX/XX/XXXX and XX/XX/XXXX I deposited over {$6000.00} into the savings account. In XX/XX/XXXX I began moving back to XXXX XXXX XXXX. 
As I became more established in XXXX XXXX I transfered and transported more property from XXXX XXXX to XXXX XXXX. On XX/XX/XXXX I visited XXXX XXXX XXXX to close my savings account. I was informed that the account could not be closed due to another party being listed on the account and authorization needed. I informed the bank that no other party was on the account. I remained at the bank for over 1 hour trying to resolve the issue. While waiting I informed the Branch Manager XXXX XXXX and an agent over the phone that I would be filing a complaint with the CFPB. After leaving the bank I was approached, detained, and arrested by XXXX XXXX Metropolitan Police Department for allegedly making Telephonic Threats. While in custody and before being transported to jail the charge of Telephonic threat was dropped as it was discovered that XXXX XXXX XXXX lied to Law enforcement. During my police encounter I had an issue with the police based on being approached and stopped. As a result of the lie and the police encounter I still was arrested and charged with misdemeanors. 

My complaint under CFPB jurisdiction is that XXXX XXXX XXXX violated a federal regulation of record keeping and managing my savings account. The account that was opened in XXXX with XXXX XXXX XXXX Program   should have been closed or disassociated with XXXX XXXX XXXX. As a result of XXXX XXXX XXXX error I now have to fight a criminal case.
Product: Credit reporting or other personal consumer reports

CFPB case XXXX took more than 30 days no respond Transunion, are reporting an account that is closed and they are reporting with several errors which is illegal, this account was resolved and an agreement was reached with XXXX XXXX in which I would pay XXXX and we would close the case which I did here I attach proof of my canceled check and the letter I received from XXXX XXXX , Transunion in my credit file is showing that no payment was received in addition it is not reporting this account correctly, and I demand it be deleted from my credit
Product: Student loan

My Dept. of Education student loans transferred from Great Lakes to Nelnet earlier this year. I have attempted to repay my loan in full twice online and once on their automated phone service ( XX/XX/2023 ) and each time, the payment fails to process every time with little explanation or recourse. There is no issue with the account/routing information or other details I've provided. There is a growing community of people online who are encountering the same issue. I have never had any issues repaying my student loans in the last XXXX  years that I've been doing this. It feels like a scam to discourage people from easily repaying their loans.
Product: Money transfer, virtual currency, or money service

PayPal is blatantly lying in plain sight of the CFPB. 

A few weeks ago, I submitted the first complaint on behalf of my PayPal account under XXXX XXXX which states that 1. I provided a proper W-9 form for PayPal and they didn't accept for reasons undisclosed. The representatives seemed completely unfamiliar with the issue.

2. My account, which hasn't processed a single transaction NOR has it received a - significant in any way relative to the reserve amount - amount of complaints in months, no longer provides a reserve-worthy risk to PayPal.

In their last response, they said that they determined that my account still provides risk to them, which is a blatant lie. I'm sure they have my money invested somewhere and they're earning a % on it.

They also said my W-9 was incomplete. That was not truthful either. I will provide the W-9 in the attachments to prove this.
Product: Credit reporting or other personal consumer reports

The United States XXXX XXXX XXXX XXXX  XXXX alleged released my non public information to XXXX and the reporting agencies. I was not aware the United States court released such records without consent. I have not given any consent to either party to release these alleged bankruptcy records and request these records be given to me so they may be inspected for verification.

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies 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, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card or prepaid card

American Express has issued me new card changed the account number, than 2 weeks later they stopped me from using the credit card. They spoke to me on the phone telling me that I will have to fill out a form, notarized and fax it back to AMEX. I did that XX/XX/XXXX, and they told me that there is going to be an investigation with the card from there " Global Fraud Protection Serveries dept ". This person has my identity and using it to change my name on cell phones, and then closing the accounts. In XXXX of XXXX, this person has applied for Medicaid, for me which I was denied. I called many phone numbers to find out where the application came from, and that was a waste of 3 hours.In XXXX I had Social Security fraud until I went up the 8th time to SS office and they took me off computer privileges. He is also, following my charges on accounts. On line banking he was listening to my conversation and kicking my password out so couldn't us the on line banking. I've had Amex for 35 years never did I encounter these problems, before this situation started. 
I must of had in 4 years 200 cell phones, with he changing the name, and then closing the service. Not a good feeling that this person can do anything with my name and Social Security number.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX MORTGAGE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Mortgage

When closing our refinance loan, Cardinal Financial engaged a closing agent, when preparing the closing statements, Cardinal Financial was responsible for transferring the payments from the previous escrow to the new escrow and paying the homeowners policy for the next year ( or ensuring that there was enough money in escrow to cover it ). At closing we still had several months on our policy. We were billed for the new years policy, then refunded the policy amount then when the renewal policy was not paid as the money was not in escrow and I received a cancelation notice only after contacting Cardinal Financial did they paid the policy. Now due to their errors, there was a deficiency in the escrow account that has caused our monthly payment to increase over {$300.00} a month as we are about to enter a recession. When I presented to above to Cardinal, they did not address this issue but used my neighbors property tax bill ( not mine ) to refactor the escrow account. The names on our tax bill and my neighbors are not anywhere near the same. Cardinal Financial has engaged in a series of mistakes and errors that have been costly to my husband and I.
Product: Checking or savings account

I am having PNC Bank business checking account since XXXX of this year. ACH is always an issue. For some weird reasons, PNC blocked my ACH transactions. 

On XXXX XX/XX/2022, I called XXXX during XXXX to XXXX XXXX  central time. After 20+ minutes of wait ... one lady took all the information and asked me to wait. After 5-8 minutes, I was put in the queue all over again.

If PNC is short on customer service and customer service is not efficient then why to cause issues which requires customers to call customer service? 

Sent email to XXXX but even after 5 days no response from her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put in a dispute for XXXX XXXX that is showing on my credit report, the have fail to remove the collection while it's being investigated which is a violation of the FCRA removing collection from consumer file while being investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to National Credit Systems. My tracking number was XXXX. However the letter was sent back and the address was listed as unknown, although the address is on my credit report. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know whose address is on my credit report under National Credit Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed disputes XXXX  years ago something happened to that they deleted my residence off the account to much activity my life is in danger
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I have the right to take these actions to protect my credit and personal information. Please find the details of the accounts I request to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

eqafax shows XXXX on XXXX XXXX, but when i apply for cr on a XXXX XXXX it came back XXXX,