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

Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENT DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : XXXX XXXX Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : 30 Years Late Payment Date : XXXX ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.
Product: Checking or savings account

I have filed a dispute for certain payments made through XXXX. First, it was linked to someone else 's XXXX account, belonging to a person who was staying with me, and I did not authorize these charges. Wells Fargo gave a hard denial after I spoke with XXXX very rude representatives in the claims department. Claim # XXXX. The reasons they gave were : XXXX. That my account was negative at the time I filed the chargeback, which is untrue ; my account balance was XXXX for the past XXXX months. They said I had been logging in and should have seen the charges and reported them. I told them I have a business account with them that I do use and was only looking at my business account transactions. I believe that not having money in the account at the time of filing the dispute should not be a factor. It is like saying, " You don't have money, so we are not obligated to protect your interests in any dispute. '' My business account always had money and was being used daily.
Product: Mortgage

In XX/XX/XXXX I discovered my mortgage company ( XXXX ) paid my XX/XX/XXXX property taxes to an incorrect parcel ID number. The payment went to the builder and not on the property I purchased in XX/XX/XXXX. This was also done for the XX/XX/XXXX property taxes. I have advise the mortgage company and have provided them with proof of the incorrect transactions. In the mean time my escrow account is severally short due to 4 property tax disbursements when there should have only been 2. The mortgage company has increased my monthly payments by an amount that I can not pay due to the shortage they created. So I am paying the XX/XX/XXXX payment until they straighten this mess out. Now the mortgage company has reported to the credit bureau that I have missed monthly payments, which I have not. I have been working with the mortgage company now for 6 months to correct my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 u.s.c.1681 section 604 A section 2 I have a right to privacy and a consumer reporting agency can not furnish an account without written permission It also states that all information needs to accurate and verified and the agency will verify the information thoroughly.

I have disputed the information for two years and showed the information that is not accurate there is three different social number between the three credit reports the loans and information are different through thought all three. None of the information is accurate and everytime I dispute they ignore it and say verified. There are so many violations on my credit reports According to 15 u.s.c 1681 n ( a ) ( 1 ) any actual damages sustained by consumer as a result of the failure or damages of not less than XXXX and not more than XXXX per violation Civil liability This has almost ruined my life I have not had any credit or debt in my life and when I had to go use credit I am un able to because of this and trying to fix it has been XXXX I have almost ended my life because of the stress and situation this has caused me. I want it fixed immediatly
Product: Credit reporting or other personal consumer reports

I started a dispute with Transunion on XX/XX/year> & as of today XX/XX/year> it still has not been completed. Dispute code XXXX
Product: Credit card

purchased debit visa gift card. sent card by mail. card not delivered. called Vanillagift card to ask if card had been used. Vanilla put hold on card. Card returned by XXXXXXXX XXXX  to me. Card can not be activated because Vanilla gift has hold on card. Have made numerous calls and emails to vanilla customer service to activate card. calls to customer service are recorded messages referring caller back to website. Website has messge site out of service try later. Have been trying for over a week.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau continues to commit fraud by reporting inaccurate information on my credit report. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per XXXX. XXXX XXXX XXXX of XXXX. A charge-off is considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. Experian Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. Experian Credit Bureau also violated the Privacy Act of XXXX. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also Experian Credit Bureau is in violation of the Family and Educational Privacy Act of XXXX by reporting student loan history. When I signed up for a student loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court. I've talked with a representative from Experian Fraud Department multiple times, I informed the agent that my name is XXXX XXXX XXXX, and he was supposed to correct that, I also openly disputed all the items on my credit report on a recorded line, I'm pretty sure Experian Credit Bureau has this recording and can produce it if asked, I've also provided Experian Credit Bureau with an FTC Identity Theft Affidavit that clearly states I'm a victim of identity theft which employees of Experian Credit Bureau simply disregarded. The following accounts are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discharged with an IRS 1099C Form ) Under 15 U.S. Code Sec 1681e I choose to be excluded from Experian Credit Bureau list , as well as the above creditors. I reserve all rights.
Product: Mortgage

I want to know the amount to payoff my mortgage and the process to complete it but have been advised repeatedly that no one there can do it. I've spoken with Cust Service Reps/dates : XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XXXX ) and XXXX ( XXXX ) and have been advised by them all that they are unable to access my mortgage account to give me a payoff amount. I'm waiting for a call back from a supervisor ( day # 2 ) who I was already told will not be able to help me either.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days.

The following information on my credit report is the result of identity theft or fraud and should be blocked : XXXX - XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted EXPERIAN several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting or other personal consumer reports

I am contacting you to inform you that I am a victim of multiple data breaches from XXXX and the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, XXXXXXXX XXXX XXXX deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Money transfer, virtual currency, or money service

I am formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle fails to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only to neglect to protect consumers but also allowed repeat offenders to exploit the system, leaving user vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

There are XXXX accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed ASAP
Product: Debt collection

I requested that ADS/COMENITY/XXXX  prove to me that I opened an account that's been reported on my credit report. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to myself for their investigation of my dispute. This did not happen. ADS/COMENITY/XXXX  has been taking advantage of consumers during Covid and during my initial complaint that they ignored for years.
Product: Credit card or prepaid card

Received a usbankreliacard visa debit card in the mail that I did not apply for. 
How do I close the account and get it taken off of my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX. 

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: Money transfer, virtual currency, or money service

I am filing this complaint against PayPal for what I believe to be unjust, punitive, and discriminatory actions that have severely impacted my life, employment, and financial stability. 

On XX/XX/year>, PayPal permanently limited my account without providing specific details on how I allegedly violated their Acceptable Use Policy. Despite repeated attempts to contact PayPal for clarification, they have refused to disclose the exact reason for the limitation. I am a law-abiding citizen and have not engaged in any illicit or fraudulent activities. My PayPal account is used solely to receive payments from my verified employer, XXXX XXXX ( XXXX XXXX XXXX ), and for small personal purchases ( e.g., metro transactions, dinners, subscriptions ). 

The Impact of PayPals Actions : Employment and Income Loss : My employer only offers payment via PayPal. As a result of this account limitation, I have been unable to work for over a week, causing me to lose more than {$1000.00} in earnings. Each additional week that my account remains locked increases my financial losses. By locking my account, PayPal has effectively made me unemployed. 
Access to Funds : PayPal has locked me out of my hard-earned money, which I had been saving for a deposit on an apartment in New York City . As a result, I am now homeless and staying temporarily with my brother in Florida. PayPals refusal to release my funds is deeply unjust and has left me in an incredibly vulnerable position.

Lack of Transparency : PayPal refuses to provide any specific explanation for how I violated their Acceptable Use Policy, leaving me without recourse or the ability to address or rectify the situation. I believe this is a clear abuse of their authority.

Broader Issue : PayPals behavior is not unique to my case. Many others have suffered similarly at the hands of PayPal, as evidenced by online forums such as this thread : PayPal Community - Suing PayPal in Small Court. This demonstrates a pattern of unjust and punitive actions by PayPal, which, as a provider of essential banking services, should not have the unchecked power to disrupt peoples livelihoods without accountability.

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows that I have XXXX accounts with a delinquent status, but at most I have XXXX accounts that are delinquent. I suspect that Wells Fargo is incorrectly reporting a closed student loan account as currently being 60 days delinquent, but XXXX will not assist me in resolving the error.
Product: Credit reporting or other personal consumer reports

He lived in XXXXXXXX XXXX  and when we left the house we cleaned the house and have proof of it, still they charged us un-fairly for cleaning charges. 
I have reached out to them but they never gave me proof and i have proof of hiuse cleanup, attacjed here.
Product: Student loan

Here is my story. When I enrolled into XXXX XXXX College. ( 4 year program ) I was told what my final cost for the 4 years would be and what my monthly might look like. And was told that I would be able to find a job right after school so the payments wouldn't be something uncomfortable. Lies, After graduating from XXXX XXXX College I went a year unemployed looking for a job. I thought it was only me but a lot of my classmates were in the same situation taken on odd jobs that has nothing to do with our major or in or career of study. By the time that I finally landed a okay job. My debit has increase and payment were unfair. I am about 5 years out of school and my payments are about 1k a month. I feel as if going to college was the worse thing I have ever did in my life. Everything that I earn goes to paying my loans off. I am anxious to settle down soon, buy a house and start a family but this is not the america that my parents grow up in. Times are harder and unfair for kids trying to challenge themselves and going back to college. Going to college a sort of curse now because of the debt that you are left with after graduation. I just don't think it is fair to charge so much money for student loans to people that can not offered to pay all of it back.I am now XXXX years old. I can not buy a house due to my debt to income ratio. If the school and lenders told me the truth on how much I would owe today. I would have looked for an alternative. Because the job and the amount that I am making now could have been made becoming a XXXX XXXX right out of XXXX school. I thought getting my XXXX degree would be some help in my income. But nothing has change. I am still being offered the same type of jobs and making the same salary and now getting more pulled out of my personal account for my student loans. At some point I finally got one of my parents to co-signer to help me consolidate my student loans which now just hurt their credit and debit to income ratio as well. XXXX XXXX  interest rate is not far at all and that is the only bank that accepted my application to consolidate. At this time I believe that college wasn't worth it because of the amount I owe back and can't pay. I have to put my life on hold at the age of XXXX because of school. I can't offered to start a family or provide shelter because of the amount of money that I owe the bank and government. I believe that they should give students a break. 

Navient is another loan that I have been having issues with for sometime. I join the income repayment plan a year or two back. But there was 2 cases when they reached into my account and emptied out my savings and left me with nothing without my knowledge or notification. I was put in the negatives in my personal account with no explanation to what happened. The same account that i use to pay for my car loan, groceries for my family and etc. When I finally got down to the bottom of the situation and reached out to Navient they said they would return the money but it would hurt me, and at the same time my personal bank account has already charged me with a negative fee. So I am in the hole either way that I go.
Product: Credit reporting or other personal consumer reports

I have requested contact from supervisor XXXX XXXX and on XX/XX/year> I called and spoke with three people. First person was XXXX I was told my complaint has not been looked at since XX/XX/year> and no updated has been made to my file number ; XXXX. Then spoke XXXX that transfered me XXXX and was hung up on. My credit score om XX/XX/year> was XXXX, then on XX/XX/year> XXXX. My online account has been blocked I can not view my accounts I have know way of viewing my report. This is depriving me of my natural rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 Credit Bureaus several times asking them to look into and verify the inaccurate information on my credit report. Each time I have been told that everything is accurate and verified. I did a thorough research myself and found improper inaccuracies on the credit report after they stated they did their research. 

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

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

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

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # 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.