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

Ive contacted them twice about the same account, my XXXX XXXX is in late payment status as 30-69 days late and has a late payment on XXXX and I wasn't late in XXXX. I disputed the information and XXXX XXXX stated they fixed it but its still showing late on my report. I ask that you guys please fix this situation immediately.
Product: Money transfer, virtual currency, or money service

PayPal closed my account on XXXX XX/XX/2021 for no reason and is not willing to assist me in getting it up and running. This is clearly a big mistake. The decision taken by PayPal has had a negative impact on my business and i figured that I could come here to report them. The email address that I use on PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Bankruptcy Chapter XXXX Verified as accurate They didn't contact court to verify
Product: Credit reporting or other personal consumer reports

I have never signed a HIPPA release form with the following alleged creditor : Alleged creditor : XXXX XXXX XXXX Alleged balanced owed : {$590.00}. 
Alleged agency : XXXX XXXX XXXX XXXX Therefore, these are inaccurate, HIPPA violations and I want this immediately deleted. HIPPA laws protect my personal medical information from being used without my concern and you are now aware of this HIPPA violations. Delete immediately.
Product: Credit card or prepaid card

I wasnt sure how to enter this prepaid Stamps from XXXX. 

They said the prison system stopped using them and that they emailed a notification that we had XXXX days to request a refund. 

However, I told them I never received such an email and asked them to forward that to me. They refused and said that if I wasnt active they wouldnt have sent me one. 

I told them I was active until it stopped working in XXXX. I thought it was an app issue. 

They kept my {$18.00}. Who knows how many others monies they kept. I would like to make a formal complaint and help in retrieving my money back. 

I did XXXX the company to see if this happened to other people and found info on a lawsuit against them. Would that lawsuit include me? Please help. 

The people working there were extremely rude and hung up on me and said they would not be refunding me. I never received mail or an email regarding this nor will they provide proof of it either
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I XXXX XXXX attempted to create a credit profile with XXXX credit bureau to check my credit score, only to learn that someone has already created an account in my name, so I contacted the XXXX fraud department and explain to them that I did not create this account, the fraud department placed an fraud alert on my credit report. Once I had access to the fraudulent account with the help of the fraud department I notice there were quite a few accounts on my report I didn't recognize, ( 2 ) XXXX XXXXXXXX credit cards, the first one amount is XXXX the second amount is XXXX a XXXX XXXX card in the amount of XXXX, and a total Card in the amount of XXXX and a XXXX XXXX insurance Policy in my name in the amount of XXXX dollars, Also an XXXX XXXX account in the amount of XXXX dollars, Also an west Lake financial Auto Loan I contacted them it was closed, amount XXXX dollars, also an account with XXXX XXXX bank in the amount of XXXX  dollars, and XXXX  Business account in the amount of XXXX dollars and a XXXX acount with the amount being XXXX plus dollars still awaiting the exact amount from XXXX i contacted there fruad department on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are XXXX. Experian reports incorrectly that this account balance is {$50000.00}. Experian reports incorrectly that this account is past due {$50000.00}. Experian reports incorrectly this account Credit Limit is {$43000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint for Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. These entries do not reflect my true payment history and misrepresent my creditworthiness. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for my XXXX XXXX account ( # XXXX ) are inaccurate. I have been consistently enrolled in autopay and have made my payments on time. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates the FCRA ( 15 USC 1666 ( b ) ), which mandates accurate and fair reporting of consumer credit information.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : Reporting false late payments may also violate the FDCPA, protecting consumers from account misrepresentation.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA provisions requiring accuracy in reporting credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate information and ensure the accuracy of consumer file information. Furthermore, the FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) provide for civil liability for willful or negligent noncompliance, including damages for failure to adhere to Act requirements.

Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that these entries reflect my true record of on-time payments. I expect written confirmation of the removal of these entries within 30 days of this complaint.

Summary of Errors and Discrepancies in Account Reporting The following discrepancies have been identified in the reporting of 30-day late payments for my XXXX XXXXXXXX account across the three credit bureaus. These reported late payments are inaccurate, as I have consistently made on-time payments due to enrollment in autopay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), as they misrepresent my payment history and creditworthiness. I am requesting that each bureau correct these inaccuracies and update my account to reflect my actual, on-time payment history. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration concerning the numerous unsuccessful attempts to correct the late opening of my account and the removal of the late closure status with Credit Bureaus. Despite persistent efforts on my part and multiple communications, these issues remain unresolved, causing significant inconvenience and distress. 

Initial attempt to open the account was made, but I encountered an issue with the process. 

Contacted customer service immediately and was informed that the issue would be resolved promptly. 

Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Subsequent attempts to open the account were made, yet the issue continued to persist. 

Numerous calls and efforts were made to customer service, each time receiving assurances that the matter was being escalated, but the account remains unopened with a late closure status. 

The prolonged delay in correcting these issues has not only hindered my ability to access the account 's services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account opening and late closure status. 

Transparent communication regarding the steps being taken to correct these issues. 

Swift resolution of the account opening problem, with confirmation of the successful resolution. 

Removal of the late closure status from my account. 

Assurance that my account will be fully functional and restored to its proper status once these issues are resolved. XXXX XXXX XXXX XXXX Balance Owed : {$120.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

Compensation for the inconvenience and any potential financial impact caused by the delayed account opening and late closure status. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the late close and correct the late open accounts in my credit file :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have noticed fraudulent accounts reporting on my credit report. The following accounts I never authorized ; 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
Product: Mortgage

To Whom It May Concern : This letter is an explanation of why we are requesting a short sale of our current home to Astoria Bank. My spouse was laid off due to a reduction-in-force from her job in XX/XX/XXXX. When this occurred I requested a deferment of payments for a few months and a loan modification to be applied to the end of my mortgage loan. The request was denied even though I had given Astoria all the necessary information requested ( hardship letter, pay stubs, bank statements, taxes, budgets, bills, and letters of explanation ). To further increase the severity of our financial situation at the time we had a rate adjustment on our current loan, which increased the mortgage by additional {$1500.00} dollars. 

Since then my spouse has been unable to find steady work and has been taking temp jobs to try and assist with helping to make ends meet. We did not think that it would be this difficult for her to find employment which would sustain our household, but it has. We have drained our bank accounts checking and savings to almost non-existence and have only been able to make payments up until this point by borrowing from friends and family to help us make our mortgage payments and to make ends meet. 
Early XX/XX/XXXX we pursued the short sale avenue, received an offer on our home and have submitted a short sale package again to our mortgage company Astoria Bank, which is trying to use deceptive practices to deny this transaction, by requesting the same paperwork over and over again. They are coming up with reasons to deny the short sale, which we will have no course but to continue down the foreclosure route. We have provided ( hardship letter, paystubs, bank statements, taxes, budgets, bills, letters of explanation, and two years ' worth of data ) and they still request more and say the package will be denied. 
We can no longer support the payment with XXXX steady salary in our household. This has been great financial burden on our family and very stressful time in our lives. Our household incomes as I have mentioned before has been reduced of 46 % of take home salary and an increase of 80 % on our mortgage loan, with another pending adjustment coming. We are customers in good standing currently with this bank, and have never missed a payment, but this has now come to where we have drained every dime. We tried to get the process completed before our bank account became empty, and a year later Astoria is being very difficult ; The bank drawing this process out seems as if they want to force our offeror to withdraw and force foreclosure which makes no sense to us. Our realtor says they have never seen anything like this ever, and believe Astoria is being deceptive in their practices. Please let us know if there is any action we can take as consumers against such practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX XXXX XXXX ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to XXXX XXXX XXXX ( XXXX ) the credit bureaus dont have no written premission According to XXXX XXXX XXXX I have the right to privacy According to XXXX XXXX XXXX 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I do not understand how to pay XXXX by XX/XX/XXXX I need help, the personal does not help me at all They say You have to pay That money, period. 
I do not want to lose my car
Product: Credit reporting or other personal consumer reports

Re : Request for investigation and removal of inaccurate late payments on account XXXX, Account Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report related to my XXXX account XXXX account XXXX XXXX. Specifically, late payments were reported for XX/XX/year> and XX/XX/year>, which I believe to be inaccurate due to the legal protections in place during the XXXX pandemic. 

The following federal laws protect my consumer rights and have been violated in this case : 1. CFRA ( Fair Credit Reporting Act ) This law requires that any negative information on credit reports must be accurate and verifiable. In this case, the reported late payments do not reflect my financial situation during the protected period under XXXX regulations. 
2. CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) Under this law, if a financial assistance or deferment agreement was in place due to hardships caused by the pandemic, payments should be reported according to the terms of that agreement. During the period in question, I was under a XXXXrelated assistance plan, so the late payment information is inaccurate. 
3. TILA ( Truth in Lending Act ) This law requires creditors to provide clear and accurate information to consumers. The account statements for the months in question do not reflect the XXXX assistance terms, violating this requirement. 

I have attempted to resolve this issue directly with the credit bureaus and the creditor, but I have not received an appropriate resolution. Therefore, I am requesting the CFPBs intervention to investigate this matter and ensure that my credit report is corrected in accordance with the legal protections provided during the XXXX pandemic. 

Attached is a copy of my credit report highlighting the inaccurate late payments, as well as supporting documentation showing that I was enrolled in a XXXX assistance plan. 

Thank you for your attention to this matter. I look forward to a favorable resolution that ensures the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

Keeps calling my personal cell phone, but when I answer they hang up on me. I called back and it 's Nationstar attempting to collect a debt or loan, however, I have no account with them nor do I have anything negative going on financially. She asked me for my social security number and I refused. She then asked for the last XXXX digits and zip code so I gave her that. She said my account was invalid and to provide the proper info. I told her I have no account which is why I am calling and asked her to remove my number from the call list. She said she ca n't do that until she pulls up my account. I asked to speak to a supervisor numerous times and that I do not have an account and she just kept saying the information I gave her was invalid then she hung up on me.
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 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 blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

PNC closed the above account ending in account numbers XXXX. Marked my account as delinquent for 90+ Days, reported me to major credit bureaus, & fundamentally altered my credit score by 65+ points. There was not a warning call, email, or written complaint certified or non-certified mail. With regard to the following issue it remains unresolved and I have decided to enact arbitration between PNC Bank N.A . & myself. I will send a certified postage on Monday XX/XX/2021. I request the signed copy of my credit contract & terms along with the recorded communications of relating to the closure of my account. It was stated that the delinquency was communicated via phone record & certified mail. Please present evidence of the following documents. I appreciate the executive escalation teams response but have not been provided with the following supporting documentation. I am presently incurring a substantial penalty in regard to my present credit score. Thank you. XXXX
Product: Mortgage

MR COOPER IS ILLEGALLY REFUSING TO RE-ANALYZE MY ESCROW. THEY ILLEGALLY AND NEGLAGENTLY FAILED TO PAY THE HOME OWNER 'S INSURANCE LEAVING ME AND MY FAMILY UNPROTECTED FOR TWO WEEKS. MR COOPER OWES ME A REFUND AND TO AVOID ISSUING THE REFUND THEY ARE REFUSING TO RE-ANALYZE THE ESCROW. I '' VE MADE SEVERAL PHONE CALLS, OPENED FOUR SUPPORT TICKETS, SENT A DOZEN EMAILS AND I AM STILL WAITING FOR THEM TO DO WHAT THEY NEED TO DO. I CONSIDER THIS A REFUSAL TO MAKE THINGS RIGHT.