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

I am disputing the item on my credit report XXXX XXXX   Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX Company my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap.

My insurance company Paid XXXX on XX/XX/XXXX I paid XXXX  on XX/XX/XXXX I made payments since XX/XX/XXXX tellXX/XX/XXXX in the amount of XXXX  thats a total with all payments made by me and, my Insurance company XXXX  also I have gap through XXXX that included total loss plus GPS XXXX  WARRANTY which I only got to use the GPS for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX  for XXXX plus XXXX for GPS. Which was told by XXXX XXXX that will be applied to my balance.

The reporting of this should be paid and, closed with a XXXX   balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XX/XX/XXXX as, my bank sent them a Teller Check for way more than my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tradelines not showing up on 2 credit bureaus. All three bureaus are not showing open accounts and it makes it difficult to run an accurate credit pull for lenders because it does not show my full credit report. 

Attached are the accounts that are not reporting to all three bureaus as well as my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information reported XXXX XXXX 2017 by XXXX  and transunion.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Reporting Agencies for Inaccurate Reporting Dear CFPB, I am writing to formally lodge a complaint against the credit reporting agencies for allowing XXXX XXXX XXXXXXXX XXXX to report an overdue balance on my credit report after the account was charged off. This inaccurate reporting has persisted for five years and has significantly damaged my credit score, negatively affecting my ability to secure loans and resulting in higher interest rates. 

Despite the account being charged off, XXXX XXXX XXXXXXXX XXXX  continues to report this information as a fresh charge-off, which is misleading and inaccurate. This has not only harmed my creditworthiness but has also caused me emotional distress and financial hardship. 

I believe that the credit reporting agencies should be held accountable for permitting this incorrect information to remain on my report. It is crucial that they ensure the accuracy of the information they disseminate, as it directly impacts consumers financial opportunities. 

I request that the CFPB investigate this matter and take appropriate action against the credit reporting agencies to rectify this situation and prevent further harm to my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal permanently banned user from using the PayPal service for false and undisclosed accusations of violations of the service 's user agreement. At no time prior to the ban being placed was the user contacted for input, explanation or self-defense, and the company refused to provide any details to the user concerning why such action was taken by company. User had no warning and no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of XXXX Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Product: Mortgage

I bought my house last year, and within closing costs, {$420.00} was earmarked for homeowners insurance. Apparently the check that the title company had to send to the home insurance company never went through, so due to this I was without home insurance throughout the XXXX period. I never found out about this situation, until I received a letter from the lender saying that if I did not send them evidence of my home insurance, they would have to apply a premium charge for the lapse in coverage, which would be much more expensive than an usual home insurance. 
I had to get insurance for my home that covered the period XXXX, which was quite difficult to get, because no insurer wants to issue a policy to a home that has been without coverage for a year. After sending this evidence to the lender, they continue to demand evidence of the policy for the XXXX period, a policy that they should have insured me when I bought my home, and it was never effective. 
Now they are including me in my escrow account, an amount of {$4600.00} for home insurance during the period XXXX, a situation that was clearly the responsibility of the lender and the title company, and now I have to cover that expense ( my monthly payment has risen to an amount that for me is impossible to pay ). How could you help me so that this amount can be withdrawn from my escrow since it was not my responsibility?
Product: Debt collection

I had an installment agreement with XXXX XXXX, i had an outstanding balance of {$210.00} in XXXX of XXXX i filed for chapter XXXX bankruptcy in XXXX XXXX and XXXX ACCEPTANCE was included as a creditor. I was XXXX in XXXX of XXXX. XXXX XXXX is willfully ignoring the court injunction to cease collection activities by reporting to credit agencies other than a XXXX balance and that it is a charge off. This is unnecessarily harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Status CHARGE-OFF Balance {$210.00}
Product: Money transfer, virtual currency, or money service

Coinbase is flagging many user account for an manual review. Not allowing user to buy or sell their asset on the app. Go to their XXXX, many many people complaining that their accounts are flagged for months and years. Coinbase keep replying them with the same answer, but not actually helping the user. This is not acceptable. I am a coinbase user for over 5 years. I have replied to their email and submitted requested informations, no process from coinbase at all. Not letting user selling or buying making us losing money. This is a complete scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance has placed an inaccurate late payment on my credit profile for my auto loan for the month of XX/XX/XXXX. My payment due dates are the XXXX of every month and my payment was made in full on XX/XX/XXXX. I called and spoke with a rep over the phone and she confirmed that the payment was made on time and was not sure why a late payment was on my account and she instructed me to write the " Credit reporting department '' who handles these issues. On XX/XX/XXXX, I wrote them a letter and they responded weeks later that the account is " accurate '' and they are not going to update my account. I have proof that my auto load for that month was in fact paid on time from my receipt of payment made on XX/XX/XXXX. This inaccurate reporting is affecting my credit profile and score and I need credit acceptance to rectify this info and update it correctly immediately upon receipt of this notice.
Product: Debt collection

I was notified by a credit monitoring agency that there was a change to my credit report. 
I was not notified by this debt collection agency of any alleged debt.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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

The amount of Debt listed on all three ( XXXX, XXXX and Transunion ) Credit Bureaus are inaccurate. They are all report 3 different amounts of debt. And I don't owe any debt. I've filed a dispute with all three of the credit units and nothing is ever resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of this deb of {$870.00} with XXXX XXXX XXXX, XXXX XXXX XXXX Account number : XXXX. I dont have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Mortgage

On XX/XX/XXXX I called " Specialized Loan Services '' and told them I could not pay the scheduled payment on XX/XX/XXXX. At that time I was given a '' Forbearance ''. What I thought was that SLS would not take that scheduled payment, but they did! This has caused me undo hardship. It was money SLS just indorsed for damage to my roof.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX , & Equifax are reporting several late payments that are not correct neither consumer agency can lawfully verify any late payment because it would be a violation of my privacy rights. XXXX Account # XXXX should be updated immediately. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

" FINANCIAL CREDIT NETWORK '' IS REPORTING A DEBT THAT I DO NOT OWE. I WAS IN AN ACCIDENT IN 2018 WHERE A CAR HIT ME AS I WAS WALKING. THE DEBT, TO MY KNOWLEDGE, IS FROM THE COST OF THE ABUMLANCE. THE DRIVER AT FAULT HAD INSURANCE AND WAS SUPPOSED TO PAY FOR ALL DAMAGAES/COST INVOLVED. I HAVE ATTACHED A COPY OF THE POLICE REPORT AS PROOF. PAGE 1 SHOWS THE DRIVER AT FAULT AND WHAT INSURANCE THEY HAD ( XXXX XXXX. THE 2ND TO LAST PAGE WILL EXPLAIN THAT THE DRIVER IS AT FAULT FROM POLICE OFFICERS. I HAVE ALSO ATTACHED A LETTER I RECEIVED FROM MY ATTORNEY DURING THE TIME. I WILL REACH OUT TO MY ATTORNEY AGAIN IF THIS ACCOUNT DOES NOT GET ERASED FROM MY CREDIT. PLEASE REMOVE THIS INACCURATE REPORTING AND DEBT THAT I DO NOT OWE.
Product: Credit reporting 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 and list of Inquiries. 

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

On XXXX XXXX I enrolled into XXXX XXXX ( XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX ) hardship program due to a financial hardship. Once I enrolled in this program my account past due balance was brought to current and the account remain open and active. The active hardship on my account was scheduled to end in XX/XX/XXXX. 

In XX/XX/XXXX, I notice that Transunion reported my XXXX XXXX account closed on XX/XX/XXXX. In which was inaccurate because I made all my payments on time and the account was still active. Over the past months, I have confirmed with XXXX XXXX that my account was active, and payments were applied accurately each month. However, from XX/XX/XXXX to today I have repeatedly contacted Transunion, sent them letter to provide proof, as well as completed online disputes and they refused to update my credit report to reflect the accurate account status. This negative reporting has affected my credit reporting and credit score tremendously and they refuse to help me each time I call them. I have advised them this account was never closed and to update my account to show this credit card is still open. 

As of today XXXX, I have paid the total balance off and the credit card is still open and active. If I wanted to, I could use the card in any XXXX XXXX or XXXX XXXX XXXX XXXX store with no issues. I contacted Transunion today and spoke with a representative regarding this ongoing issue. The representative gave me the same run around and said the account was closed and the information being reported was correct. This is not true and not accurate. This is very frustrating and time consuming because my account is open and fine with the creditor but the credit bureau refuses to do their job to fix their mistake. Please help me resolve this issue and fix my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN MY LETTERS TO THE CREDIT BUREAUS TO REMOVE THE INVALID AND UNVERIFIED ACCOUNTS FROM MY CREDIT REPORT AND I HAVE NOT HEARD BACK FROM THEM. PLEASE DELETE THE ACCOUNTS FROM MY ACCOUNT.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XXXX XXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and fraudulent charges and fraudulent charges and refuses to accept responsibility for the illegal unauthorized fraudulent charges and has not sent statements of all the accounts in 2019 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For the past 2 years I have been sending my mortgage company bi-monthly payments of $ XXXX to pay for my mortgage payment. The mortgage company wasnt crediting the payments correctly. Instead they would apply the XXXX bi-monthly payment to the principal ( without telling us that btw ) and it wasnt until months later when they stated we were short for our escrow we realized THEIR error. 
Now our mortgage has been transferred to another mortgage company and the original mortgage company is stating our mortgage payment is now {$220.00} MORE due to a " shortage payment '' There was NO shortage payments - THEY were not crediting our payments correctly causing this insane increase on our mortgage payments. We can NOT afford {$220.00} more a month - this is on THEM not us! 
With our new mortgage company ( XXXX ) now assumes our monthly payment should be {$890.00} which is WRONG!! 
If they had credited all the bi-monthly payments to them to the XXXX instead of just putting it where ever this wouldnt have happened!
Product: Debt collection

Credit Collection Services representing the original Creditor XXXX has contacted me stating that they have taken over XXXX XXXX XXXX. XXXX was not able to verify this account. CCS was sent a letter of verification on the XX/XX/XXXX after CCS had sent me a notice of debt on XX/XX/XXXX. CCS could not verify this debt as mine. CCS sent me a Insurance claim form which i will enclose with my complaint along with other documentation. CCS sent me a letter stating they will be reporting to the credit bureaus on the XX/XX/XXXX. On XX/XX/XXXX CCS was successful in adding this unverify account to my credit report which has damage my score.
Product: Credit reporting

XXXX addresses appear on my credit reports that I have never lived at. I have been a victim of identity fraud/theft before, and I want to make sure that my information is accurate. I do n't want to become a victim of identity fraud/theft again.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights.

15 U.S.C.1681 section 602 A. States I have the rights 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

I have autopay set up on my XXXX XXXX Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my XXXX XXXX autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails XXXX ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call XXXX financial and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing  fraud I immediately login into XXXX to find that the XXXX account was showing 30 days late on two consecutive months. Either way, I call XXXX XXXX   to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call the consumerfinance.gov number, the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the XXXX XXXX statement showing where the late charge had been credited. Thank you