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

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Capital One has illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 Capital One is required by law to give me 3 disclosures. I have checked all documents from Capital One given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am hereby requesting all above disclosures required by Federal Law. 

In addition, I am requesting a copy of the original contract bearing my signature.
Product: Checking or savings account

I had a PayPal Business Merchant Account that was to be used for my company XXXX for clients paying reoccurring subscriptions. After several months of trying to contact PayPal and being transferred to multiple departments to explain that payments are not being obtained from my clients and that payments processed from paypal are not appearing into my companys account I have had no successful resolution. My company XXXX is currently missing over {$100000.00} due to unsuccessful payments processed on the PayPal side. 

PayPal has sold me multiple products which are seemingly all different departments which causes me to go in circles when trying to resolve the issue. Aside from trying to explain to PayPal the situation and upload documents for them to review they're unable to do a screen share with their clients and or obtain emails a client would like to send them to obtain the documents. 

When I have previously used their portal to upload the documents I haven't been able to get a successful resolution by their support department and or whoever deals with potential fraud, security issues, and or customer complaints. 

Aside from the payments not being processed my account has gone negative {$38000.00} from supposed clients of mine who have asked for refunds or stated that the charges were not authorized and when I compare the chargebacks the charges are made under my clients name but the documents shown by PayPal show a previous developer hired by my company to build out the software platform owned and or operated by XXXX XXXX.
Product: Mortgage

On or about XX/XX/2016, I was fired form my job as a XXXX XXXX XXXX at XXXX XXXX XXXX - XXXX, TX. My mangers asked me about my occasional XXXX. 

I was mot missing time from work and I also had approved XXXX with unlimited absences. I also had nearly 200 hours of PTO untouched. When I did not allow them to violate my HIPPA rights, I was told to update my medical status as soon as possible. My doctors arrange 5 referrals visit for me during the first week of XX/XX/XXXX When I presented this list to my management on XX/XX/2016, I was released without cause or explanation. 

My condition worsen. XXXX XXXX, XXXX XXXX, and positive XXXX XXXX screening is what I am facing today. Despite my issues, I have been actively seeking employment despite my physical appearance. 

XXXX was already under internal and external investigation for similar actions against employees. my medical coverage was terminated before I could make the badly needed appointments. To make matters worst, they continues to show me as employed with medical coverage in place. This action prevented me from purchasing affordable coverage as well as qualify for XXXX XXXX indigent coverage. I hired attorneys to help with this case and a second attorney to address my XXXX benefits. My condition worsen and I had emergency XXXX XXXX in XX/XX/XXXX.
Product: Student loan

This is actually a combination of several things : How payments are being handled and how fees are being assessed/charged. I have a Perkins loan that is being handled with Heartland ECSI. This loan is not covered under the CARES act so I wasn't expecting anything to change with my payments. I'm currently paying more than required payment and I've payed over 50 % of the loan off. I received notification in XXXX that the loan had been placed in Administrative forbearance by the University XXXX XXXX. The explanation on the ECSI site is not clear but my balance indicated that I still owed about 13.00 in interest. I tried to pay it since the loan is in forbearance ( and I didn't request it ) I should be able to make payments without penalty, right? Wrong. Any payments are assessed a fee of XXXX per payment. If you use a credit card, you are charged a 4 % processing fee. The only way around this? Set up automatic payments and take the loan out of administrative forbearance - which I wasn't willing to do with the economic uncertainty. I want the advantage of no interest. ECSI will not allow me to make a payment while the loan is in forbearance. without charging me a fee. How is this legal on a student loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

I BUYER MY HOME IN  XXXX   2007  AND GOT MORTGAGE WITH  XXXX . THE MORTGAGE WAS TRANSFER TO  XXXX . IN MY CREDIT REPORT I HAVE  XXXX  MORTGAGE COMPANIES OPEN FOR THE SAME TERMS AND AMOUNT. DATE -  XXXX   2007 , AMOUNT - {$490000.00}. I HAVE REPORTED TO EQUIFAX WITHOUT ANY ACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My mortgage company reported that I was 30 days late for my XXXX payment. There were issues with my bank as I was using a new account. The payment had been submitted twice and I was told that it was received ; however, three days later, I received an email ( each time ) stating that the payment wasn't processed. 
After the second attempt I submitted a payment via another bank and the payment was processed on XXXX. I called my mortgage company ( as I have been told that I am a valued customer and I have not had any late payments in over a year ) and ask them to rescind the late notice as my credit score dropped almost 100 points and they refused. 
I also mailed the request in writing. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh 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 Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : 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: Debt collection

Rental agency reported amount owed to collection agency. These charges are illegal and were not completed within the appropriate number of days per the Washington laws. 
I have sent emails with all documentation to the original property management team as well as the collection agency and credit bureaus and the company is fraudulently certifying the amounts to be sure even though it goes against the law. The company actually owes me 2x my deposit which is total of {$1400.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed underXXXX XXXX XXXX XXXX XXXX XXXX - This was Paid as agreed and should not be showing any derogatory information on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute resolutions. These failures align with my personal experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and rights as a consumer
Product: Mortgage

After my Chapter XXXX was finished, my first payment to Ocwen was due XXXX 2015 for {$1300.00}. Ocwen will not accept my payment stating that I had late payments due. According to Court documents from the Trustee of the Bankruptcy I no longer was in arrears with Ocwen and I was to resume my monthly payments. I set up for automatic draft withdrawal and on XXXX/XXXX/15 I received notification from Ocwen that the withdrawals would begin on XXXX/XXXX/15. I recently changed the date of withdrawal to be on XXXX/XXXX/15. On XXXX/XXXX/15 I received another letter from Ocwen stating that the systematic withdrawal would be discontinued because the loan was past due. I check my account online and they are claiming I owe them {$4200.00} in late payments. I am tired of dealing with this company. I will not call them because I feel as though they do n't know what they are doing, and it 's very difficulty to communicate with them. I have worked hard for 2.5 years during this bankruptcy to catch up and make sure I was able to keep my house. Now again I am facing the same problems I faced 3 years ago. Why this company is still in business is beyond comprehension.
Product: Credit card

Over the past 3 months I've received robo calls and emails from a credit card company and when I explained to them why I could not make any payments, the robo calls and emails continued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the XXXXederal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION XXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I submitted my 1st complaint with CFPB on XX/XX/year> regarding information being reported inaccurately as well as fraudulent accounts. There were additional fraudulent accounts reported such as XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and still reporting that wasn't fixed initially XXXXXXXX XXXX  Account # XXXXI 've reached out numerous amounts of times regarding these fraudulent accounts and sent in dispute letters along with my supporting identification documents. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that those accounts belong to me, and all information is incorrect. These accounts as well as numerous Hard and Soft inquiries are affecting my hard work of still trying to purchase a home for me and my children.
Product: Credit reporting or other personal consumer reports

RENT RECOVERY SOLUTIONS IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : [ XXXX XXXX XXXX ] -- - RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Mortgage

Ocwen issued a Notice of Default, through XXXX XXXX XXXX XXXX, without granting the " In Person Meet and Confer '' provided by the WA State Foreclosure Fairness Act. I have made XXXX formal requests for the meeting.
Product: Payday loan, title loan, or personal loan

Name of the company : InstaLoan at XXXX XXXX XXXX, Fl For a full year starting XXXX through the present XXXX XXXX, I has been paying around {$300.00} plus every month and until today, the amount is higher that the inicial : I toked {$2500.00} and give the my car title ( XXXX XXXX XXXX XXXX ) I call them after the XXXX XXXX  until now asking to pay less amount monthly. 
I was try to avoid their phone call and because I have only this car to go to my appointments, etc. I am a XXXX XXXX XXXX XXXX. Their answer always is negative and theyve didnt nothing for help me. 
I get the XXXX virus XXXX XXXX, plus I have a XXXX XXXX, and I explain each time for help to down my monthly payment they answer me : if you dont pay us, we will take the XXXX. That scared us ( my wife and me ) she is not working anymore after the XXXX XXXX XXXX XXXXXXXX until today XX/XX/XXXX. May you help me please? 
The car is in my name. 
Thanks for your help.
Product: Payday loan, title loan, or personal loan

I had went out on XXXX on XX/XX/2019, I have insurance on the lon so they have been paying my monthly amount as I was told they didnt pay the XXXX bill and Im not sure why but every month its growing on my credit report Im late or missed and I did not I believe this is affecting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have filed a dispute before and it came back verified. it can't be verified it was removed from XXXX XXXX report. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Please remove this bankruptcy case from my report.
Product: Credit reporting or other personal consumer reports

I disputed the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX And nothing happens. No deletions no responses nothing Then I submitted a complaint with you guys requesting items be deleted within four days or proof investigation showed they were mine which I know it couldnt have because they are not I submitted police report number identity theft report number etc and nothing happened XXXX XXXX got deleted off equifax and XXXX XXXX and XXXX got deleted off XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Credit Report on XX/XX/XXXX ; I noticed for the second time deficiencies of reporting and inaccurate information on my XXXX credit report in violation of the Fair Credit Reporting Act Section XXXX ( XXXX XXXX XXXX XXXX ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove DATE OF BIRTH year " XXXX '' and REMOVE previous address listed as : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Notice dated XX/XX/XXXX which includes my Driver 's License, Social Security Card # and Phone/utility Bill. XXXX Additionally I respectfully request an investigation of THD/CBNA account XXXX, and Inquires : " XXXX '' dated XXXX XXXX report and CAPITALONE dated XX/XX/XXXX on my XXXX XXXX. XXXX concerned my personal information XXXX have been breached in XXXX data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION. [ [ **PLEASE ADD XXXX XXXX Account # XXXX and Account # XXXX to my report, I do not see these accounts! XXXX FCU is my Accounts ] ], Thank you again, Be Well ....
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my consumer report, the collection account by XXXX XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Product: Credit card or prepaid card

I called citi bank regarding my XXXX credit card XXXX on XX/XX/XXXX. This card can be used anywhere but the rewards are redeemable for XXXX purchases. Apparently the XXXX credit card statement which we didnt receive had a {$580.00} XXXX reward certificate that expired XX/XX/XXXX. Their limited attempts to notify us involved sending emails which went to my wife ( XXXX XXXX ) spam folder. The representatives on the XXXX number are telling me there is nothing they can do and there isnt anyone that can reissue the {$580.00} certificate. If we had lost a certificate I could understand this response but we feel that our {$580.00} is being withheld regardless of the fact that we didnt receive the statement containing the certificate through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX  and XXXX  several times via certified mail, with proof, that the Credit Acceptance account on my credit report was reporting inaccurate information ( last payment, past due balance, late payment time ). Nothing was done and they kept claiming the information was accurate. 

Date of last reported is later on XXXX  than XXXX. Yet, the past due is lower, " date of last payment '' is wrong, Additionally, the State of New Jersey asked these type of lenders to waive late fees, defer and skip payments, as well as delaying delinquency notices. Credit Acceptance refused.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$14000.00}