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

This complaint was the result of their non-compliance to my request and for their refusal of getting the account listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned account for it was found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance {$1300.00}
Product: Mortgage

On XXXX, XXXX, I entered into a loan modification payment agreement with PNC over the phone. I was approved for this loan modification before I missed a payment and was told that it would not report negatively to my credit as long as I made the agreed upon payments on time. I did exactly this, however, it DID report negatively on my credit. 

I would not have entered into the payment agreement if I was told that the payments would be reported late. 

It is also showing a late payment on XX/XX/XXXX. This payment was also made on time : XX/XX/XXXX PNC MORTGAGE XXXX XXXX PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2300.00}
Product: Credit card

On XX/XX/XXXX I received a call from PNC Bank which informed me that someone was attempting to apply for a credit card with my personal information in another state, Florida Specifically, they were calling to verify I applied for the card, when I said I had not they supposedly transferred me to CFPB, I have a case # of XXXX and a cancellation notice of XXXX on the alleged card. As well as a contact at CFPB of XXXX XXXX. They asked for no personal information so I had no reason to believe it was fraud but when I tried to call the phone # back there was no answer? Which makes me fear this was fraud and my personal information is at risk. How do I check this?
Product: Debt collection

AMEX XXXX XXXX XXXX XXXX TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.AMEX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY BOTH ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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
Product: Money transfer, virtual currency, or money service

I'm expressing a complaint against Pay Pal for negligence in closing my account, allowing a fraudster to hack into my account, scam people out of money, and leave my account with a negative balance they are saying I'm responsible for. The fraudster also opened a credit card in my name after I notified PayPal of the fraudulent activity and asked them to close my account. 

XX/XX/XXXX - PayPal allowed the fraudster to gain access to my account by lifting restrictions via chat with them. 
XX/XX/XXXX - the fraudster again chatted with PayPal to get them to lift restrictions on the account. 
XX/XX/XXXX - I called notifying PayPal that I had an unauthorized withdrawal from my savings account from PayPal. During the call the rep acknowledged that someone had gained access to my account and changed the email, phone number and password associated with the account. At this time I asked for the account to be close but told it couldnt be b/c it was under investigation. XX/XX/XXXX - 3 payments from customers for false transactions from the fraudster came through after I notifed PayPal of the hacked account. XX/XX/XXXX - the fraudster transferred money from the hacked pay pal account out to his/her bank account. XX/XX/XXXX - I changed my password and contact information within the account. XX/XX/XXXX - the fraudster was able to regain access to my account, changing contact information back to him/her. XX/XX/XXXX - a Pay Pal credit card was opened in my name. I called the Pay Pal credit division notifying them of the fraudlent activity and was told they would close the account. I never received email confirmation of the account being closed. XX/XX/XXXX - After letting PayPal know a credit card was now opened in my name and asking them to close my account again, they put my PayPal account on hold so no transactions could take place. XX/XX/XXXX - buyers started filing cases against the payments for fraudulent activity. Pay Pal started deciding in the buyer 's favor on these cases, resulting in a growing negative balance in my account. XX/XX/XXXX - PayPal said they would reimburse me for the {$190.00} that was stolen from my savings account. XX/XX/XXXX- received an email from paypal that my negative balance was being sent to collections. XX/XX/XXXX - called to ask how to remove negative balance, was told to call the buyers or file a complaint through ic3.gov. PayPal said they wouldn't reimburse me.

The total amount taken out of my PayPal account was {$2900.00}
Product: Debt collection

They've called me XXXX times in XXXX  months I've told them numerous times to not contact me via phone as my mother is at end of life care and I am busy taking care of her and every time they call I have to stop what I'm doing and make sure it's not a nurse or doctor calling me to inform me that my mother is dead or not so as you can tell I literally have a mini XXXX XXXX every time they call
Product: Credit reporting or other personal consumer reports

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Mortgage

My mortgage was recently sold to XXXX. This will only be my XXXX payment to them of both of which have been on time based on the policy at the time. Now they are charging fees for what they consider " past the due date ''. Mine is " due '' on the XXXX. They start charging fees starting on the XXXX and they get higher the more the days go by. I am not disputing that a late charge could be due, but there are several issue. When my first statement came out, the " late date '' was considered to be the XXXX. One, I was never notified in writing on the change and certainly did n't agree to it. Two, I have never been late on it, so I do n't see how they have the right to change their policy. This is nothing but a money grab from a greedy company penalizing responsible borrowers. Please address this issue. Thank you.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

Unsolicited offers. Loan Depot emails, calls, and sends physical mail regarding my loan. I do not have a loan with them, I never had a loan with them, they bought my information from someone else whom I applied for a loan through. Now they will not stop contacting me. I have notified them multiple times to remove me from their contacts, but I continue to receive unsolicited offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd official complaint against XXXX XXXX XXXX   regarding their inaccurate reporting to the credit reporting agencies. I have been dealing with this since XX/XX/XXXX Because I filed a complaint through CFPB and the State of Texas Attorney General 's office XXXX XXXX XXXX  is not only incorrectly reporting to the credit reporting agencies incorrect information but they are purposely reporting different information and running my credit report ( s ) multiple [ al times causing financial harm.

Original CFPB complaint # XXXX - XX/XX/XXXX
Product: Consumer Loan

I have told Ally Financial to stop calling me at least twice in writing, which there website automatically sends me a copy of from them. They continue to call over and over and now are calling my relatives. I just want them to stop harrassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Mortgage loan with XXXX XXXX was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.
Product: Credit reporting

I have been trying to get XXXX and Experian to remove this item Now for over a year ... ... ... they keep verifying this as real and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally XXXX sent me a letter stating they did n't have the file with the documentation to support this debt ... ... .but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the XXXX documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring XXXX on the phone and verify it with me ... ..XXXX refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call one agent hung up on me and the other 2 agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it doue to unverifiable and the company they XXXX says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to
Product: Checking or savings account

On XX/XX/year>, I checked my Capital One bank account balance and noticed that my direct deposit from my employer had not been received. I then found an email in my inbox from XX/XX/year> that was received at XXXX from Capital One stating they had " System issues impacting deposits, payments and transfers. '' The email gave an XXXX of this being resolved by the morning of XXXX but that obviously was not the case. I then called the number on the back of my card and spent over XXXX hours on hold, only to be told that they didn't have an XXXX of when the funds would be received but they were working to resolve the issue. 

At this point, I have bill payments scheduled to come out that obviously won't since their ACH is down for both incoming deposits and outgoing payments, as well as I still don't have my wages in my account. I'm sure that I will be charged late fees or returned payments fees due to the ACH issue and can provide those once I have confirmation from the vendors that the payments returned. I'd have to review Capital One 's Account Terms and Conditions, but they may be in breach of their own terms.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX LATE PAYMENTS Part XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s transactions experiences between the consumer and the person making the report A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

[ XXXX XXXX XXXX XXXX XXXX Account # XXXX ] Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I had a home mortgage with Bank of America ( {$300000.00} ). In XX/XX/XXXX, I filed for bankruptcy. At this time, BOA sold this mortgage to XXXX. I had this mortgage re-certified with XXXX during the bankruptcy. Never missed ANY payments, loan was never in default either with BOA or XXXX. In XXXX of XXXX, BOA filed or claimed that my mortgage was delinquent and in collections at the sum of {$330000.00}? This information is reflected on my XXXX credit report as a " Collection Account ''. This false information affects my credit status, my credit score and is incorrect. I believe BOA filed my old mortgage, with ( fraud ) the government and reported my mortgage to the Feds to be reimbursed under the banking " bailout '' policies at the time. I need to have this discrepancy removed from my credit file and BOA needs to be investigated for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both XXXX are reporting different information. XXXX is reporting no late payments in XXXX and XXXX. However, XXXX has incorrectly reported late payment history in XXXX and XXXX. Please delete or removed all late payments. Account name : XXXXXXXX XXXX XXXX Account number : XXXX XXXX Date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. 

Background On [ XX/XX/year> ], the following information was removed from my credit report : Creditor 's Name : [ XXXX ] Account Number : [ XXXX ] Date of Deletion : [ XX/XX/year> ] Recently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : 1. Written notification to the consumer within five business days of the reinsertion.

2. Certification from the information providerindicating that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : 1. Immediately remove the reinserted information from my credit report.

2. Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.

3. Take necessary measures to prevent future improper reinsertions.

Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly Thank you in advance for your prompt attention to this critical matter. 

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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Account : XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
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 USC1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : account name XXXX XXXX, account name, XXXX XXXX, account name, XXXX XXXX ( original creditor XXXXXXXX XXXX.However they stated everything was complete and accurate. 
But how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A.states i have a 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 : no consumer reporting agency may make any consumer report containing of the following items of information any other adverse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 

Disputes were sent to Transunion on XX/XX/2023 via Certified Mail and received and signed for on XX/XX/XXXX. Tracking documentation is attached. As of XX/XX/2023. I have not received any notification that my dispute was processed or the results of the dispute.
Product: Debt collection

I know nothing about this company or the debt they are trying to collect on. I am requesting BOTH verification and validation. See attached. I am also requesting a copy of the original agreement between the original creditor and I as I do not think it even exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

More than a month has passed and The Home Depot has not updated the balance on my XXXX  credit report to XXXX. I contacted The Home Depot and have been ignored.
Product: Debt collection

NATIONWIDE RECOVERY SERVICE HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$1000.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting or other personal consumer reports

Innacurate information being reported on my Experian credit file