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

After notifying the Portfolio Asset Recovery company that XXXX XXXX places a cease and desist order on the account that they have reported on my consumer credit file, this company continues to willfully and knowingly engage in negligence and abuse of my consumer credit file by reporting negative marks against my credit reports, this affecting my credit scores. They show the account closed on XXXX  and continued reporting through XXXX  and XXXX  as open accounts. Included are the screenshots of the reports. The closed report is XXXX, the payment dates showing negative are from XXXX  and XXXX  is shown with the green through XXXX XXXX. This company knows full well what they are doing and I have contacted XXXX XXXX regarding this, hence the cease and desist for this account. I am actively engaged in business with XXXX XXXX to this date and am requesting a full deletion of their account information from all of my credit bureau reports IMMEDIATELY. This company has a reputation for abusing consumer credit files and in particular accounts that they can not collect payment for. I will not accept this any longer, nor will I allow re-aging of the account to occur on any reports no matter where they are reporting accounts. I expect a full deletion of their account to be made upon receipt of this complaint and if it not done so accordingly, I will obtain permission from XXXX XXXX to seek statutory and punitive damages against this company for their continued abuse. I have the copy of the letter sent from XXXX XXXX stating the cease and desist order from their Corporate Office per my direct contact with the CEO and President. This company has not abided by this order and legal actions will be taken and the evidence of this letter shall be presented in a court of law showing the order from their offices. This companys reporting is so inconsistent and varying that it seeks to do more damage on a consistent basis to a consumers credit files, while intentionally violating the FCRA and FDCPA as well as state laws that protect a consumer from such abuses.i have also included a screenshot of the federal lawsuit brought upon PRA by the CFPB for willfully engaging in the same tactics and business practices to this day that it was found to be in violation of and ordered to pay millions in damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report for Experian and XXXX has the wrong address. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following accounts were opened fraudulent in my name without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( ALL ACCOUNTS ) XXXX ( ALL ACCOUNTS ) XXXX XXXX XXXX XXXX ( ALL ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( ALL ACCOUNTS ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( ALL ACCOUNTS ) 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 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.
Product: Credit card or prepaid card

XX/XX/2018 I spoke to a Bank of America specialist and was given my payoff balance with interest. I sent payment in the amount stated XX/XX/XXXX thru XX/XX/2018 Bank of America recorded multiple 30 and 60 day late payments for a balance of 1.50 left over from the payoff balance incorrectly given. The bank did not contact me and I did not receive a statement. I wasnt looking for one since I paid the stated payoff balance in full and had not used the account again. The bank closed the account and reported the account to all 3 agencies. Im requesting the negative information be removed and the account reopened - due to the banks error ( s ).
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

On XX/XX/18, I received a call about a {$200.00} debt that I apparently owe. The details were not clear to me, and I never received a written notification about the debt. The man only identified himself as XXXX from XXXX XXXX. The next day, this same person called my father. He said he was with XXXX XXXX and implied I had a financial issue, leading my father to contact me. It was illegal for XXXX XXXX to contact my father as XXXX XXXX had already made contact with me. Additionally, I never received any sort of written notification.
Product: Payday loan, title loan, personal loan, or advance loan

Mariner harasses me by calling my cell phone three to four times a day. I have asked for a bill and they claim to be paperless, but they send letters requesting that I call them. They send me emails, but do not include my payment amounts, due dates, or payoff information. They are a predatory lender and four phone calls a day is harassment.
Product: Bank account or service

I recently realise on my Best Buy c.c. That i been charge beside monly interest for payment protection incurance. I seen it years ago but i was new credit card holder and dint know much how it works ( i have best buy c.c since XXXX ). Anyway i disade to call casumer service and ask ( XXXX/XXXX/XXXX ). Thay explai that i am paying that just in case i am not able to pay min montly payment they cover it ... I dont think so i ever sing up for that service and i ask for refound ... She submite a claim form and i should have answer by 30days. I logg in today and saw refound of XXXX $ and XXXX $ ( Only ). I call again and have answer that i been charge for last tree months only and i have my refound back! Answer was i been charge for last tree monts only and i never been charge before! ( i dont know why would that seriuse company resove a problem with a lie ) .i been charge for a years for that service, and i want refound for every pany i payed without singing on and knowing that i been chrge for something that i never use or knowing what is it! Also i see that they change my acc # last year before change my acc # was ending XXXX
Product: Mortgage

Caliber had a forbearance hardship modification with Caliber home loan doing the covid 19 .Caliber forbearance plan back in XX/XX/XXXX and suppose to last until XX/XX/XXXX because I asked for an extended also .My loan was owned by Fannie mae XXXX XXXX. I asked Caliber to put all my missed payments at the back of my loan.I told them since I my loan. was owned by Fannie mae that I can ask for this under the care act for my loan to be extended. Caliber approved me for the forevbearance and later on changed my mortgage ownership from Fannie mae to an investor ownership. Caliber also changed my mortgage server to XXXX while I was still in my forevbearance plan with them on XXXX XXXX. I called them and told them that was wrong of what they have done. Caliber had already misrepresent of a loan modification by not sending me all of the documents. Caliber is a untrustworthy loan servers. Now I stuck with XXXX trying g to give me a reasonable forbearance plan. They are the sane as caliber and I don't think they should be handling my mortgage, because ca5 transferred my loan over too early while I'm mortgage was still with them. Now XXXX said my loan is in foreclosure. They gave me a high payment for the forevbearance instead of working with me. I had asked Caliber can I use my equity from in my home and they told me that they took all of my equity and I asked they why and did not get an corrected answer. I told them that I have been in my home for 14 years where are my payments going to and why is my loan not going down after 14 years. I know that I have missed some payments but I know that I had about {$45.00} in my equity the last time I checked on it. I need someone to help me get a reasonable forevbearance plan.
Product: Money transfer, virtual currency, or money service

I have an account in COINBASE since XX/XX/2021. 
In XXXX I made a deposit and COINBASE has blocked my account. 
I can not enter or withdraw my money. 
This has caused losses, since I have been trying to sell my XXXX  for a month and I have not been able to. 
This has caused it to have significant losses in the currency I am trying to sell my currency and get my money back and coinbase has my account blocked. 
I have submitted multiple claims, but they are not helping me. 
I want my account to be unblocked so I can sell and cancel. 
I want to be paid for the losses I have had since XXXX Customer service is very bad My XXXX is XXXX My initial claim : # XXXX I have also requested more claims : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX I request your help to respond and resolve my claims Thank you so much, best regards
Product: Debt collection

Today I have looked at my consumer report and this company online information services is on my consumer report concerning a debt that has already been removed from my consumer report regarding XXXX XXXX. Online information services who is a 3rd party debt collector has not sent me any written communication concerning this alleged debt. This is a violation of my consumer federal rights. Under the privacy act pf 1974 no one is suppose to purchase or sell any of my private information and XXXX XXXX continues to do so after they have been removed from my consumer report. Per 15 USC1692c states that without prior written consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with consumer in connection with collector of any debt. I do not know this company who have stole my identity. I have never went into any agreement with this company. I opt out any reporting of my private information from this company called online information services on my consumer report per 17 cfr 248.125. All obligation belongs to the united states per 18 USC 8 and stealing identity to gain money from a consumer is a crime 18 USC1028.XXXX XXXX  has done a XXXX on this debt and has been paid 10x without sending me copy b of the XXXX  that was filed. XXXX XXXX has also been deleted from my consumer report. This item does not belong to me and if I have to contact the sec.gov I have no problems in doing so because both companies are committing fraudulent activity by stealing consumers information to make money that does not exist according to hjr 192. I do not owe this debt and this is fraud and identity theft. My privacy has been compromised per privacy act 1974.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX Account XXXX : XXXX
Product: Checking or savings account

On XX/XX/ I was a victim of fraudulent activity with XXXX  for XXXX XXXX dollars and Wells Fargo took XXXX XXXX dollars from me! It was like the person gave me XXXX XXXX dollars and then Wells Fargo gave it to them again! Talked to branch manager in XXXX, Tx and they did nothing
Product: Credit card or prepaid card

A merchant has provided inaccurate information about their products. Once the merchant has sold me the products, I went home and starting to try the products ; however, I started to experiences side effects. The merchant told me that I would not. I then asked the merchant for a full refund, which they did not give me. Then I contacted Navy Federal to resolved the issue. They then advised me to give the merchant the product back, so it does not seem like I am trying to keep the products and get my money back. I did that. I called to check the status and they stated that I needed confirmation of receipt. I had to fight with the merchant to get the confirmation of receipt because they would not provide that. Navy Federal told me that they would not process my request because I did not have a confirmation of receipt. I finally was able to get the confirmation of receipt and submitted the documents through the portal. Navy Federal has informed me that they would not give me a refund because of the information that the merchant has provided to them. However, the merchant has provided me a partial refund in the amount of {$190.00}.
Product: Money transfer, virtual currency, or money service

I opened an account with paysafe to process online payment. They were transferring my money as usual and then suddenly they closed my account. When I asked about my money to be deposited they told me I have to wait 180 days. It is completely unacceptable. They close the account they should release the money immediately without any further delay still, they wan na put me through the hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im attempting to obtain a mortgage. The mortgage company cant pull my Equifax score, due to an error of a consumer remarks/fraud. Ive called Equifax on three different occasions, I faxed over identity documents asking to remove any stops or remarks. I called and spoke with a supervisor named XXXX XXXX ID # XXXX, who them told me there arent any consumer remarks or fraud stops on my account and the mortgage lender shouldnt have any issues. But the mortgage lender continues to get an error message of a stop being on my account from equifax. Equifax is currently holding ( preventing ) me from obtaining a mortgage. I need a assistance, there should be no holds on my credit profile.
Product: Money transfer, virtual currency, or money service

First off I DO NOT have a paypal account. I used the XXXX   website to purchase a accessory for my XXXX and that site apparently uses PayPal to process the credit card transactions well now I have several unauthorized charges on my account
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

Trans union, XXXX and XXXX, is in violation of the FCRA. They are in violation of 15 U.S. Code 1666b - Timing of payments. Please re investigate and update or remove the late payments on my credit report.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX hard inquiries listed on my credit report by XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. According to my records, this inquiry was marked as " Accurate '' ; however, I have NOT authorized or initiated any such inquiry. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX was previously removed then placed back on my consumer report. XXXXXXXX XXXX XXXXXX/XX/XXXX was WITHOUT proof verified as " accurate ''. I hereby request that you provide me with proof that I myself authorized or initiated this inquiry myself. It is imperative that you furnish me with documentation or evidence validating my consent for this inquiry to proceed. In the absence of satisfactory proof demonstrating my authorization, I respectfully request that this hard inquiry be promptly removed from my account. Failure to provide evidence of my authorization will prompt me to escalate this matter and pursue appropriate actions under the Fair Credit Reporting Act ( FCRA ) regarding fraudulent hard inquires. I trust that you will handle this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this dispute in writing within reasonable time as mandated by the FCRA. Thank you fro your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$0.00} XXXX  XXXX {$130.00} XXXX  XXXX {$27000.00} XXXX XXXX {$22000.00} XXXX XXXX {$6000.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize these hard inquiries or ever did them myself.
Product: Mortgage

BB & T has a policy where, if the full amount of a mortgage payment is not received, they place the payment they did receive in a suspense account rather than crediting the partial payment to the mortgage loan. They leave the payment in suspense until subsequent payment is received ; they then deduct the shortfall amount from the current month 's payment and add it to the prior month 's payment and apply it to the loan and then move the current month 's payment into suspense. In our case, our payment increased due to an escrow increase ; we did n't realize that when we paid the escrow shortfall in full that our payment amount was still increasing, so we did not change our monthly remittance. As a result, we now have negative information that was reported to the credit bureaus making it seem as if we have not been paying on our mortgage at all. I believe the payment application process is an improper business practice.
Product: Credit card or prepaid card

I am trying to transfer my fiance 's credit card balances to my credit card. His bank is Barclays. We need his account number to proceed. We no longer have the cards ( they were locked when he underwent XXXX XXXX and was no longer able to pay regularly ), so we don't have the account number. 

I called their customer service number last week and waited on hold for over 2.5 hours before giving up. I called again this morning promptly at XXXX, got disconnected after about half an hour, and am currently on hold going on 1.5 hours. 

I also contacted them via XXXX, and nothing. 

It seems unfair that they can prevent me from getting the info I need to transfer the balance, and then continue to charge me interest and fees.
Product: Student loan

Mulitiplea times when i was promised forebearance it was not applied and to this day still negatively applies ro my credit report. I was unable to make payments unless it was an automatic deduction because the system didnt support 1 time payments, making me late. Also the amounts have not been allocated properly. Also the school i went to was closed down and has no accredidation but im still paying.