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

I am disputing inaccuracies on my Experian and XXXX credit reports. These reports show late payments for XXXX XXXXXXXX XXXX XXXX, which do not appear on my XXXX report, where the account is listed as " paid on time. '' According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and integrity of the information they report, and inaccurate information must be corrected ( Section 1681e ( b ), 1681i ). 

Additionally, some of the accounts are incorrectly reported as 30 days late for both XX/XX/year> and XX/XX/year>, followed by XXXX days late in XX/XX/year>. This is inconsistent and inaccurate, as a XXXX late should reflect a gap between the two prior XXXX late payments. You failed to investigate this account properly and your neglect has violated my rights I have attached screenshots from my XXXX report showing the accounts as " paid on time. '' I request that the Experian and XXXX reports be corrected to paid on time or that the accounts be deleted if the information can not be corrected. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Thank you for your attention to this matter.
Product: Bank account or service

I was working with XXXX as my MERCHANT PROCESSOR to processes my customers credit and or debit cards as payments. They then randomly froze all the funds from my customers and ripped out {$2000.00} from my account and claimed ID THEFT without any merit. I then provided them with all the identification items the requested ( which by the way was required by federal law for them to collect this information prior ) They then corrected that information. They then said that we were n't authorized to sell our products because we were only authorized to sell jewelry ( that to is a lie, the person that wrote our contract wrote service provider not jeweler ) So they lied on that to. They have not sent any deposits in 3 months for any of the funds my customers paid for. They are claiming that they now have to hold it in a non intrest baring account for XXXX months due the possibility of chargebacks. Keep in mind no chargebacks existed and they had no reason to hold my funds. They fabricated this, then after proving them wrong they went and removed the ID THEFT STATUS ( which by the way has prevented my company from being able to open another account and make money. ) Because we were unable to receive our funds from our clients we could n't afford to provide goods or services for all of them. Also we never received the customers money so they had not choice to do chargebacks to get the funds back from XXXX holding them. Now XXXX owes us around {$11000.00}. They gave us a written email from numerous employees saying that they will now be mailing us a check for {$6800.00}. I have in writing from them that they already mailed the check. Now another person says they have decided not to mail the check. They have held the funds for XXXX days now and are not answering the phone, they 've hung up on me, they are ignoring emails now. THEY STOLE MONEY FROM MY ACCOUNT WITHOUT MY APPROVAL. The dates on the account will show that no chargebacks accrued until after they did all of this. and now they are playing games and lying about sending me the money.
Product: Credit reporting or other personal consumer reports

Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Under 15 U.S.C. 1681o Violation of Fair Credit Reporting Act i am writing to dispute information on my Equifax credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o. I have identified information on my credit file that I believe is inaccurate, and I request that Equifax conduct a thorough reinvestigation and correct the disputed entry as soon as possible. 

The specific issue I am disputing is as follows XXXX XXXX XXXX XXXX XXXXct # XXXX late payment during COVID Under 15 U.S.C. 1681i, Equifax is required to investigate disputes, correct any inaccuracies, and notify me of the results of the investigation. If this investigation is not conducted in a timely manner, or if Equifax fails to correct the error, I will be forced to take further action, including pursuing legal remedies under 15 U.S.C. 1681o for noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened by someone else using my information theres no way of proving that the speedy cash they keep verifying it is accurate but how can I prove that it wasnt me it was someone using my information. And how does the account balance Continue to increase by one dollar then decrease by one dollar every month? when I am not paying a dollar? is is some sort of unethical business practice? Just proves that I have no control over the account because I didnt open it.
Product: Checking or savings account

I did not receive my bonus for opening a Merchant Services account. 
The terms and conditions were that I had to settle {$2000.00} of funds over 5 transactions according to the terms and conditions. 

I contacted Chase Bank customer service in XXXX after I settled over $ XXXX in 5 transactions. The customer service rep directed me to email the representative that opened my account XXXX XXXX. 

I tried to call XXXX multiple times last week and even left a voicemail. XXXX sent me an email describing new terms and conditions. He told me that the Marketing department requires the deposits to be made in different batches ( no language of batches or deposits described in the fine print ) According to the fine print, the requirement was to settle the funds over 5 transactions, there is no mention of batches. 

This is clearly deceptive marketing as the goalposts are being moved after I fulfill the requirement. 

Attached are correspondance and the Bank Fraud that is trying to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

I lost my job a few years ago, and have been having problems paying back my credit cards. Even though I do not give the full amount I try to pay something instead of nothing currently I have been having issues with XXXX they turned my debt over to a third party collection agency who keeps asking for a large lump some of money or to pay off the amount and they will not accept the funds I 'am trying to give this company also will not send me any type of billing statement. As of now this company is trying to sue me, I wanted to know my options that I have to settle this issue.
Product: Vehicle loan or lease

We refinanced our car through our bank, XXXX XXXX, which is now handling the payments. 

- XXXX XXXX : A payoff check amounting to {$52000.00} was sent to Toyota Financial Services ( see attached ). 
- XXXX XXXX : The said payoff check was posted and cashed by Toyota Financial Services . 

Since then, we have made numerous calls to Toyota Financial Services on the following dates : - XXXX XXXX - XXXX XXXX - XXXX XXXX ( twice ) - XXXX XXXX - XXXX XXXX - XXXX XXXX ( three times ) - XXXX XXXX ( five times ) - XXXX XXXX - XXXX XXXX ( three times ) - XXXX XXXX ( twice ) Each time, we were told to follow up again after a certain number of days, but no resolution was provided. 

- XXXX XXXX : My husband and I sent a signed letter ( attached ) formally requesting a resolution, but we have not received any response. 
- XXXX XXXX : Toyota Financial Services contacted my husband, but there was still no resolution, and we were told they would follow up. 

Unfortunately, our credit scores have been negatively impacted twice due to this account being marked delinquent, which is extremely concerning and detrimental.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to display these accounts below on my personal consumer report. I am building a suit against Equifax as I have disputed these items before and Equifax claim these are in fact my accounts and that the my claim for error, identity theft and fraud is continuing to be ignored. Consumer previously demanded that XXXX cease and desists and block listed accounts as Equifax continue to provide no evidence of to support its claim. I also have chosen to opt-out of each of these accounts being reported to my personal consumer report. Equifax continues to violate my privacy. If I have ever given consent, I am now rescinding that consent to furnish any of these accounts onto my personal consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports-anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18.

In accordance with the written instructions of theconsumerto whom it relates.

According to FDCPA, a consumer report can not have misleading and false information on it. All late payments are illegal and all charge off 's are a violation of securities fraud and tax evading if not reported as income but I have not received any 1099 's.

15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Prepaid card

I received multiple AMEX gift cards from my employer. I have successfully used them until sometime late XXXX - early XXXX. Now I find I can't use these cards anywhere. 

These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my card in cash/check.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/XXXX identity theft report ( XXXX REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the accuracy of 3 charge-off entries on my credit report, as required under 15 USC 1681 ( e ) ( B ) of the Fair Credit Reporting Act ( FCRA ). The following accounts are listed as charged off : 1. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, in the amount of {$2200.00} 2. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in the amount of {$2200.00} 3. XXXX XXXX XXXX Reported on XX/XX/XXXX, in the amount of {$3000.00} The respective lenders have written off these accounts. The lenders have determined that they will not pursue collection of these debts and have classified them as canceled or forgiven. My tax records will reflect this status through a 1099-C form, indicating that these debts have been officially forgiven and are considered resolved. 

These accounts were charged off, but should not be reported as derogatory items. The lenders have acknowledged that they will not collect the debt and have classified it as canceled or forgiven. This means that the debts will be reported to the IRS as discharged, and I have received three 1099-C forms for tax purposes as proof. Consequently, the debt is considered canceled or forgiven and has been reported as income on my taxes. 

Since canceled or forgiven debt is reported as income and not as a derogatory mark on a credit report, having these accounts listed as charge-offs is incorrect. These listings inaccurately affect my credit profile and should be updated to reflect that the debts have been resolved or forgiven. 

Including this information on my credit report as derogatory violates the FCRA, which mandates that credit reports must not include income or tax-related data. Therefore, reporting these forgiven debts as charge-offs not only misrepresents their status, but also constitutes an inaccurate and unlawful entry on my credit report. 

According to the FCRA, credit reports must accurately reflect a consumers credit history and should not include income or tax-related information. Since these debts are no longer collectible and has been reported as canceled on my tax records, they should not be listed as charge-offs or derogatory items on my credit report. Reporting them in this manner violates the FCRA and inaccurately affects my credit profile. As such, since these debts are canceled or forgiven and has been reported to the IRS as discharged, they should not appear as derogatory items on my credit report. Reporting these debts as charged off is incorrect and misleading. I request that these entries be corrected or removed from my credit report to reflect their status as written off and forgiven accurately. Enclosed are copies of the relevant documentation, including the 1099-C forms or other proof of debt discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, last month I've tried to reach out to the credit bureaus to get two charge offs accounts verified/ removed and they weren't able to do it. The first account is BARCLAYS BANK DELAWARE {$2100.00} and the other account is XXXX XXXX XXXX {$4800.00}. 

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 shall ( i ) 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.
Product: Credit card or prepaid card

I AM FILING COMPLAINT AGAINST PayPal Company. They are completely corrupting my balance sheet on my account. XX/XX/2022 a charge of {$130.00} from XXXX XXXX. I disputed this charge, because I didn't make that purchase. PayPal made adjustment on my account to credit back to {$130.00}. On XXXX XXXX XXXX company return a charge of {$130.00} back to my account. Why is PayPal charge me back with {$130.00} into my different PayPal account with XXXX balance. I have to pay this amount to avoid any illegal charge fees from PayPal. Right now PayPal owe me {$130.00} or either credit back to PayPal credit account. I displeased how PayPal run their company or either balancing their account balance with other customers including my account improperly and illegal balance the spreadsheet. Please help me to investigate this issue. Thank you
Product: Money transfer, virtual currency, or money service

XX/XX/2023 Way too many customer complaints with this XXXX XXXX. It is run like a military draft school with rules that defy logic and are at best self serving. Communications with escalation supervisors not forthcoming. This am, after many calls and emails I decided to pay off my car loan. I tried but they were not accepting of my linked, domestic bank accounts. The same kind of accounts they transfered my loan agreement to my car dealer. Only because I am paying off my loan they want to break up my final payments. This is not an international financial transaction. I owed {$12000.00} plus dollars and they only accepted {$10000.00} and told me to schedule the overage for the next day. I suspect its to make sure they can squeeze more intrest or penalize money out of you or better yet a late fee. Very sketchy!!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

I have a loan that has been purchased by Ditech. I recently received an escrow analysis that projected that my escrow for taxes and insurance will have a shortage. The have added XXXX of the false shortage to my monthly mayment. For 19 years there has never been a shortage and I have received a refund on my escrow account a couple of times due to their incorrect analysis. As long as I make timely payment, there will never be a shortage in the escrow during the next 12 months. 
Ditech has projected a shortage in the amount of " cushion '' they want in my escrow account. I understand that Ditech may keep require a cushion equal to XXXX of the total amount of items paid on a yearly basis. However, Ditech has purposely created a false date for payment of my taxes for purposes of creating a " cushion '' shortage. Specifically, my taxes are due in XXXX. Ditech has confirmed that my taxes are due in XXXX and have been paid in XXXX for the life of the loan. However, Ditech has imposed a false date of a " Projected '' tax payment in XXXX. This false projection date has been created to develop a " cushion '' shortage of less than the XXXX cushion allowed by RESPA. This allows Ditech to collect additional money for my escrow account that will never be needed, and exceeds the XXXX cushion allowed by law. I am confident this false " Projection of payments '' analysis is not isolated and is imposed upon all consumers of who have loans with Ditech who pay escrows to cover taxes and insurance, through a Ditech escrow. This allows Ditech to acquire millions in dollars in interest on escrow accounts that are not required or permitted by RESPA. RESPA has imposed limits on escrow funding to prevent this abuse. Please investigate this complaint on behalf of my account and others similarly being financially abused by Ditech.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a discrepancy regarding the reporting of my student loan account by Mohela. While Mohela itself reflects a balance of {$0.00}, this information has not been appropriately reported to the credit bureau. As a result, my credit reports continue to display an outstanding student loan balance. 

Despite successfully meeting all requirements of the Public Service Loan Forgiveness ( PSLF ) Program and having my loans forgiven, the failure to update my credit reports has led to ongoing confusion and potential repercussions for my credit score and financial standing. 

I urge the CFPB to investigate this matter and ensure that Mohela promptly updates its reporting to accurately reflect the forgiven status of my loans on all credit reports. It is crucial that this discrepancy be resolved to prevent any further negative impact on my credit profile. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

After viewing my credit report for JPMCB credit card, XXXX, there was a LATE PAYMENT which reports. 
LATE PAYMENTS are illegal to be reported per 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.

I do not receive statements 21 days before due date.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I was never given an option to OPT OUT.

I hereby revoke JP MORGAN CHASE BANK from reporting information for the account mentioned to all credit reporting agencies. Again, JP MORGAN CHASE BANK and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked for ACCOUNT XXXX
Product: Debt collection

The initial debt was incurred with XXXX XXXX XXXX in XXXX. After several attempts, the debt was written off by bank and sold to XXXX separate collection agencies. Each time the date of debt incurred increased to the time that new collection agency acquired the note. The statute of limitations for BK is 7 yrs. Although never declaring BK, this debt should have been erased after XXXX XXXX. 
Why is this still on my credit report? I have successfully use cash for all transactions since then.