23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never been to this establishment, when I looked them up, XXXX XXXX, I found that under their reviews that they have been doing this to countless people - I do not know them and do not wish to be scammed. If it is somehow my debt to pay I would like to pay it once and for all, other people under the reviews as I read had tried to go through the company to pay and had been scammed into paying twice and still received debt collection papers later as if they had not payed. Please help me to pay it once and for all if it somehow a true debt. I am a young person and know little about credit but I would like to avoid further messing up credit.
Product: Credit reporting or other personal consumer reports

And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX  and with CFPB as well and they still have not corrected my report. And past reporting to credit. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 
15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . 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.

With that being said you cant report a charge off and current late payments on a credit report and this is clearly a violation of fair credit reporting. Thats like double damage to credit reporting on me in all credit agencies. I have been disputing this same is time and time again and this is causing a hassles for something that should be deleted because it violates the law of credit reporting by all agencies. And reporting a past due amount on an account that is charged off as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Card is reporting the wrong information to the three credit reporting agency. I have disputed this account to XXXX Card, XXXX, XXXX and Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made numerous phone calls to XXXX but the issue has not been rectified. I filed a complaint with the XXXX XXXX XXXX ( XXXX ) and CFPB ( XXXX ) in XXXX. The executive office of XXXX Card responded that the information being reported is accurate. I sent certified mail to XX/XX/XXXX, Experian and XX/XX/XXXX in late XXXX or early XX/XX/XXXX disputing this inaccurate information that is being reported by XXXX Card. I just did a credit check on XX/XX/XXXX and the information is still inaccurate. I have started a legal action against XXXX Card, XXXX, XXXX and Experian. 

My credit history should report the payment being charged off in XXXX of XXXX, not XX/XX/XXXX. On XXXX, it is reporting multiple charge off months and late payments but none of my on time payments which is not an accurate reflection of my payment history. It is showing multiple charge offs months on XXXX up to XX/XX/XXXX. This is gross FDCPA and FCRA violations. I have extremely stressed out by this ordeal. I wrote a demand letter to all three credit bureaus to delete this information from my credit profile since it has failed to report accurately but to no avail.
Product: Debt collection

I am a victim of identity theft I notice an account was open on my credit report in the amount {$980.00} without my knowledge or consent I have filed a police report with the local sheriff office, and I will pursue legal action
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report generated on XX/XX/XXXX, I identified several hard inquiries that I did not authorize and do not meet the permissible purpose requirement under XXXX XXXX XXXX. I request a removal of the following inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Attached is my credit report indicating these unauthorized inquiries. Please update me with the results of your investigation within the required timeframe. 

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

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPTEDXXXX XXXXXXXX - {$0.00} - PLEASE DELETE! 
DEPTEDXXXX XXXXXXXX - {$0.00} - PLEASE DELETE! 
DEPTEDXXXX XXXXXXXX - {$0.00} - PLEASE DELETE! 
DEPTEDXXXX  XXXX - {$0.00} - PLEASE DELETE! 
XXXX XXXX - {$4600.00} - PLEASE DELETE! 
XXXX XXXX XXXX  XXXX - {$500.00} - PLEASE DELETE! 


UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax 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 informati
on 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My complaint is regarding Comenity Capital Bank 's dysfunctional website and their horrible customer service or lack thereof pertaining to the XXXX XXXX XXXX Credit Card. I have contacted them several times by telephone and secure messaging in an attempt to resolve the problem without success. The credit card account was converted from XXXX XXXXXXXX XXXX to Comenity Capital Bank in XXXX of 2022. Since that time I have been trying to redeem my rewards balance of {$20.00} for a direct deposit to my checking account using the online redemption function but it is totally dysfunctional. Since the function is not working I have requested them to send me a paper check and they never responded to that request. 

I would like to add that I am not the only holder of this particular credit card that has issues with this bank. I have seen complaints posted on an online complaint board website. So, this is not an isolated incident.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late ! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach my information breached sold and traded illegally without my consent. This is innacurate information and needs to be removed from reporting. This is violation of the FCRA rights and are all reporting different things on my reports. I have attached screen shots of the innacuracies on all 3 credit reporting beaurus a long with proof my data was sold illegally
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below Achieve personal loans XXXX {$44000.00} XXXX XXXX {$6000.00} XXXX XXXX {$29000.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you remove the following accounts and send me my updated consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX 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 or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE
Product: Checking or savings account

Ive had a PayPal account for years without a bank account attached. Recently I attached a bank account as a means to expedite withdrawing money from my PayPal balance. PayPal inappropriately and without authorization or knowledge debited my account for a refund i had processed. I was instructed by PayPal to link a back account to fund my account for the refund, which I did, {$400.00}. In addition PayPal debited my account for {$380.00} for the refund. So {$780.00} was debited from my bank account for a {$380.00} refund. Now- PayPal refuses to allow me to unlink my bank account from my PayPal account. They cant be trusted to apply legitimate accounting principles or be trusted. Ive requested NUMEROUS times fo them to unlink my account, the only response i get is auto generated not specific to my request and complaint. PayPal accounting practices and principles should be investigated. In the short term I would like for the FTC to order them to unlink my bank account. Ive offered to link a credit card in place of the bank account, to date, no response.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED - XXXXXXXX XXXX/DEPT OF ED - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed XXXX XXXX XXXX Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX showing open account for charged off account. they will not remove this from my credit reports. FCRA
Product: Checking or savings account

I requested a withdrawal payment from XXXX on XX/XX/XXXX for {$600.00} and Pacific Western Bank drafted the check on XX/XX/XXXX according to the check date. However, I didn't receive the check in the mail until XX/XX/XXXX, 2 weeks later. Pacific Western Bank seems to purposely either holding the funds back or is not able to keep up with the customer demand from XXXX which profits both XXXX and Pacific Western Bank as the customers need to deposit more funds to " play '' over a 2 week period without access to previous winnings. This practice is unlawful and deceptive and only benefits XXXX and Pacific Western Bank.
Product: Mortgage

The issue is in reference to the transferring of our servicing from XXXX to Fay Servicing. We were out of town for the XXXX holiday when the notification arrived at our home. We have our mortgage payments set up on autopayment. By the time we returned home the XXXX payment had already been made to to the former servicer XXXX. I called both servicing companies and was provided with assurances that this is fairly common, not to worry, it would all be OK. 
6 months later I have spent more than XXXX hours trying to resolve the error and now have 2 X XXXX day late and past due reported on my credit report. Fay servicing did not even have the correct loan payment information on our statement. 
We have provided a very detailed paper trail, email chain and conversations to Fay, with no luck. 
We feel this is a RESPA violation and should be addressed with just a little more urgency, then we will get back to you in 5 or 6 weeks, Thanks you
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I went to us bank for one more attempt for home loan I gave him all the info even got letter from job, it buy itself was a task He said that's all we need, I cant count how many times I heard that After I got that he said he need my car payment knocked down I forgot to mention he started acting out, right after I talked to his management so I'm still sitting over my brother looking for help with my home buying process please if you can help please do something Now
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX XXXX I transferred money from a EDD Bank of America account to my XXXX XXXX XXXX XXXX the amount was {$250.00} I must have forgot one of the numbers and it was transferred but not to my account upon realizing that I notify the financial institute right away but they told me that there was some type ofproblem with locating the transfer and i keep getting the run around. They really didnt give me a solution and they just send me a letter stating that they can't help me but it's clear that the money was sent from my account because the funds were deducted. These funds were never replaced nor were they deposit back to my EDD account they pretty much just wellnits lost. I would like to see what happened to the money and get a trace on the electronic transfer simply closer