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

I originally had student loans throught Department of Education, Nelnet ... in XX/XX/XXXX of 2013 I consolidated all of my federal loans through XXXX. However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : AMERICAN EXPRESS
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, Paypal took {$4300.00} from my account with an untrue reason. I sent the Error Resolution Notice to Paypal on XX/XX/2020. It's been a few months since I've sent the letter, I still haven't received a refund from Paypal. Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score 52 points and caused me to get denied for a personal loan.
Product: Money transfers

On XX/XX/2015 I made a payment of {$60.00} through MoneyGram to put on my XXXX for my cell phone bill. I have been with XXXX now for over 4 years and I never had any problems until now. However, money gram transferred the money to my XXXX account but, XXXX said that they did n't receive any funds. Soon as I loaded the money on the card I called my phone company to pay my bill and they said that it was declined. Now that is impossible because Money gram verified that they immediately released the funds to XXXX and now the card says declined. So I immediately called Customer Service for XXXX and they had me on hold for a little over an hour. So once I finally reach a representative to tell them my situation they instantly tell me the system is down and that they 're having technical difficulties and they wont be able to access any of my information. So every day I called them and the same thing kept happening, either no answer or the line goes busy and the phone shuts off. Finally I reached a XXXX representative exactly 1 month later on XXXX XXXX 2015, and she accessed my account and told me that she actually saw the transaction that was made on XXXX XXXX 2015, but she could n't provide anymore information because they were still having technical difficulties with their system. But however she assured me that within 3 business days my money would be back in my account, and now here it is XXXX XXXX 2015, and still nothing has changed my account is still empty. Could someone XXXX help me.
Product: Credit card or prepaid card

Early in XXXX I acquired the Apple Card through Goldman Sachs. 
Subsequently on XX/XX/20 a {$9.00} charge was placed on the card by Apple for a monthly storage fee. This subscription had, up to this point, been charged to a XXXX XXXX card. At no point did I authorize Apple to switch the charge account for the subscription. 

I called Goldman Sachs to inquire about the charge. I was told I must have approved the transfer of the subscription payments to the Apple Card. I did not do this. 

Apple and Goldman Sachs are committing UDAAP by switching charging accounts without express permission of the cardholder.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and DELETED for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' TD BANK USA/TARGET CREDIT, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, TD BANK USA/TARGET CREDIT whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts are being reported with incorrect dates on my credit report. Many inconsistencies in reporting across the 3 bureaus. 

upstart XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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

I have been submitting countless and multiple dispute letters as well as CFPB Complaints demanding to the Credit reporting Agencies to remove the fraudulent accounts and information completely from my Credit File. Despite the actions I have taken, the Credit Bureaus failed to comply with my requests in accordance with the Federal law. The disputed accounts and information that I have been disputing were still being reported on my Credit file. Once again, I need the following items removed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts as well as the information being reported resulted due to fraud and shoould be removed from my Credit file. I do not understand the point of the Credit Bureaus in continuing the reporting of these accounts despite the documents I have been sending to them requesting the deletion of these accounts completely from my Credit File.
Product: Prepaid card

XXXX fraudulent purchases totaling {$4100.00} were made on my payroll card, company has my denied claim. 

I was informed verbally by customer service on XX/XX/XXXX that the above referenced dispute case was declined and the only way to appeal this false decision was to write a letter of appeal. 
An employee of your company is grossly negligent for declining the fraud claim for a reason I am told of previous charges from merchant ( s ) this is false as I have never had charges from any of the XXXX disputed fraud companies in my history. I am completely distraught over this ordeal and have been told there is no way to speak to anyone in the fraud/dispute department that the only way to communicate is in writing this appeal. 
I demand a review of this case immediately and the negligent actions of your employee ( s ) to decline my fraud claim based on a false basis. As explained in detail in my prior letter ( enclosed ) dated XX/XX/XXXX I was XXXX  XXXX XXXX  years of age when these fraudulent purchases were made, I do not own property I live at home with my parents in XXXXXXXX XXXX and do not have a drivers license. I most certainly did not get a tattoo at a merchant called XXXX XXXX located in XXXXXXXX XXXX or pay property management fees or make a charge at total wine or any other of the remaining fraudulent locations. I have worked very hard part time at XXXX XXXX XXXX XXXX XXXX to save for car insurance and your company is denying me credit of {$4100.00} in fraudulent charges. I have followed all rules according the my cardholder agreement in reporting the fraud immediately upon discovery on XX/XX/XXXX, sending the signed customer dispute form and written statement of unauthorizes transactions on XX/XX/XXXX. 
As stated previously I am reporting the unfair and abusive practices of your company to the Consumer Financial Protection Bureau as well as XXXX federal regulators. If you do not answer this letter to my satisfaction you will answer to them. 
Please advise what steps your company will take to resolve this matter and credit my account for {$4100.00} in fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter was mailed to Equifax regarding improper reporting and Equifax did not respond. A complaint was submitted to the CFPB on XX/XX/XXXX regarding this issue and as of XX/XX/XXXX the matter is still open and pending. Equifax has updated all open accounts as agreed while investigation is in progress. I, the consumer, am submitting this complaint as a follow-up to the XX/XX/XXXX complaint. The closed account with XXXX XXXX XXXXXXXX is still reporting adverse items. 
Per 15 USC 6805 CFPB must enforce all the following regulations : Per 15 USC 1681a ( 2 ) ( A ) ( i ) financial transactions by consumer are not to be reported without my permission.

Per 15 USC 1681c no adverse item of information may be reported regarding my consumer information unless it is a conviction of a crime. 
Per 15 USC 1681n ( a ) due to willful noncompliance, I am entitled to up to XXXX US dollars Per 15 USC 1681o ( a ) due to negligent noncompliance, I am entitled to actual damages sustained as a result of failure to comply Per 15 USC 1681s ( a ) ( 2 ) ( A ) I, the consumer an entitled to not less than XXXX US dollars per violation of each willful or negligent noncompliance in a United States district court Per Privacy Act of 1974 ( 5 USC 552a ( 4 ) ( b ) I must consent to any disclosure of my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed inaccurate information reporting on my credit report by XXXXXXXX XXXX. I was notified by the 3 credit reporting agencies, XXXX, XXXX  and TransUnion that the information was verified. I disagreed with this information, so on XX/XX/2020 I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes. 

On XX/XX/2020, I sent a request of verification to XXXXXXXX XXXX so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. Again, in my research, I found that the FACT Act allows me to go directly to the original creditor under Section 312. I requested a bunch of information, however they didn't provide me with the requested information. 

On XX/XX/2020, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what XXXXXXXX XXXX  is reporting. I notified them that the information is inaccurate and unable to be verified per my request. 

On XX/XX/2020, I sent another dispute to XXXXXXXX XXXX  to notify them that I've had my rights violated. 

In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.
Product: Credit reporting or other personal consumer reports

There are inquiries I dont recognize and they lowered my score
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent.

The following accounts must be blocked and deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurbish an account without my written instructions '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts removing the inaccurate late remarks.
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX  account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED and or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ) and XXXX ( XXXX EXHIBITS XXXX & XXXX ) have both CORRECTLY reported this account on my consumer report, EXPERIAN has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT XXXX, XXXX, & XXXX Attached ). XXXX and XXXX have clearly verified the accuracy of my credit report while EXPERIAN only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, XXXX, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from EXPERIAN.
Product: Credit reporting

Paid in Full Collection with XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. This account has been disputed for incorrect reporting with XXXX to XXXX and TransUnion. It has been verified as correct. This account, XXXX, had a filed complaint with CFPB, it has been verified as correct. XXXX states that their information is correct and any errors are with the Credit Reporting Agencies, XXXX and TransUnion. 

XXXX is listed as a Factoring Company. It is listed as an Open Account. 
Per this case law, XXXX v. XXXX XXXX XXXX, Dist. Court, XXXX Arizona XX/XX/XXXX : [ XXXX ] XXXX argues that XXXX ' debt was not " in default '' at the time XXXX acquired it, and therefore XXXX is not a debt collector and not subject to liability under the FDCPA. 
[ 2 ] This exemption places the factoring of accounts receivable outside the scope of the FDCPA, thereby leaving a factor in the same position as the original creditor, had the creditor not sold his accounts receivable to the factor. By excusing factors from compliance with these regulations, the FDCPA respects a common method of business financing. 
The FDCPA defines " debt collector '' as " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. '' 15 U.S.C. 1692a ( 6 ). Exempted from this definition, however, is " any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity... ( iii ) concerns a debt which was not in default at the time it was obtained by such person. '' Id. 1692a ( 6 ) ( F ) ( iii ). 

According to the XXXX, they have the option of reporting an Account Type of XXXX-Collection Agency/Attorney or XXXX-Debt Buyer ( which undoubtedly shows as Factoring Company in consumer reports ) XXXX incorrectly choose to report as type XXXX instead of XXXX based on the information in the reporting guidelines. If reporting as a type XXXX changes the value in a credit score more so than reporting a XXXX, that would be an incentive for them to mark it that way because that could significantly cause poisoning of reports.
Product: Debt collection

XXXX XXXX left a voicemail with information on my phone at work. I returned his phone call & told him I was not allowed to receive personal calls at work. He assured me that my work # was erased from the system. The following week he called my work again after telling me he would no longer contact me at work. 


He initially told me that the settlement about was {$320.00} & then {$290.00} and when I asked for some kind of documentation he would not mail it to my physical address but would only send it to my email. When I received the email it didnt have the new amount on it. 

I will lose my job if I continue to receive calls at work & id really appreciate it if that would stop.
Product: Credit reporting or other personal consumer reports

I hope this correspondence finds you well. I am writing to bring to your attention an anomaly in my credit report that requires urgent resolution. 

In XXXX and XXXX of XXXX, I experienced the unexpected occurrence of missed payments with XXXX XXXX XXXX, despite maintaining an unblemished record of timely payments over the course of five years. These isolated incidents were entirely uncharacteristic of my financial behavior and stemmed from a technical glitch within the banking system, which affected the scheduled auto-draft payments. 

As a diligent and responsible borrower, I had diligently ensured that all my payments were set up on auto draft to guarantee punctual and consistent fulfillment of my financial obligations. However, due to circumstances beyond my control, these two payments failed to process as intended, resulting in an inadvertent deviation from my otherwise exemplary payment history. 

Understanding the significant impact of these inaccuracies on my creditworthiness, particularly in the context of my current endeavor to purchase a home, I am earnestly seeking your assistance in rectifying this matter. It is imperative that these erroneous entries be promptly removed from my credit report to restore the accuracy of my credit profile and alleviate any adverse effects on my credit score. 

I am prepared to provide any necessary documentation or evidence to support my claim and facilitate the expeditious resolution of this issue. Your prompt attention to this matter and assistance in ensuring the integrity of my credit report would be greatly appreciated. 

Thank you for your time and consideration. I eagerly await your response and the opportunity to address this discrepancy effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX has been settled and paid. I spoke with my representative at XXXX and I was assure that the account will report on my credit report as closed with XXXX balance is due. Unfortunately my credit report is showing Charge Off with an amount due.
Product: Payday loan, title loan, or personal loan

Back in XXXX, my wife and I joined our checking accounts at SECU in XXXX, NC. I have an autodraft loan of XXXX a month. I was told then that the autodraft would transfer over to the new checking account. It did not. In XXXX I was debited XXXX for a missed payment in XXXX and for XXXX. I did NOT recieve a call or letter notifying me of a missed payment. I called and was explained everything and I requested the EFT be set up. I was told it would be by the bank. Today they debit XXXX again and was told the same thing, missed payments. Nobody called me and I did not receive a letter about my missed XXXX payment. I was told they see the EFT is set up now since they auto drafted 2 months of payments and was told there was nothing they could do as far as the extra amount.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : SYNVS/FD XXXX