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

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Experian XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Correction of Inaccurate Reporting Under the FCRA To Whom It May Concern, I am writing to formally demand that Experian and XXXX take immediate corrective action regarding the inaccurate reporting on my XXXX XXXX XXXX XXXX account ending in XXXX. I have repeatedly disputed the erroneous reporting of a late payment, as I have never been late or delinquent on this account. Despite my numerous dispute letters, both Experian and Equifax have failed to provide the required proof of the verification process or the complete details of any investigation conducted, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under the FCRA, credit reporting agencies are legally obligated to investigate consumer disputes thoroughly and provide proper verification of any disputed account information. Failure to do so constitutes a violation of my rights under the law. Given Experian 's and Equifax 's failure to meet these legal obligations, I am demanding the following corrective actions : Update my XXXX XXXX XXXX XXXX account ending in XXXX to reflect " Paid as Agreed '' with no late or delinquent payments. 

Provide written confirmation that these changes have been made and that the inaccurate late payment notations have been permanently removed from my credit file. 

If Experian and Equifax fail to comply with this demand within 15 days of receipt, I will have no choice but to pursue all available legal remedies and initiating legal action for violation of my rights under the FCRA. 

I expect your prompt attention to this matter. Please confirm in writing once the necessary corrections have been made. 

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

XXXX is violating my consumer rights. They are fraudulently letting FRONTLINE AS management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and FRONTLINE AS to the IRS filling out form 3949- A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX  I attached proof that FRONTLINE AS isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that FRONTLINE AS pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain
Product: Debt collection

IC Systems Collections on XX/XX/2023 Spoke to a collection representative in which I was informed me that by my social security number did not match the debt nor could they find my name or address with my full social as a debt. 

IC Systems has a debt on all 3 of my credit bureaus in which a debt not owed or my debt by the conversation its not my debt. 

I have proof by documents sent to them to settle the debt. 

call several times but no debt showed in my name or my full social security number.
Product: Payday loan, title loan, personal loan, or advance loan

In or about XX/XX/XXXX, I realized this Upgrade Inc line of credit had a balance even though I have not made any purchases on this line. I had activated automatic minimum monthly payments when the line was first opened, therefore the account was being maintained. When I realized this line had a balance, I contacted Upgrade by phone to report fraudulent charge ( or charges ) on this line of credit. I was told that because too much time had passed, Upgrade would not allow me to dispute these charges and I was responsible for the full balance. In XXXX XXXX when I realized this balance was from fraudulent card activity, I stopped my automatic payment toward this account. The line is now being reported as a charged-off account on my credit report. I attempted to call Upgrade again in early XX/XX/XXXX to discuss the fraudulent activity and the customer service representative abruptly ended the call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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 XXXXXXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX and any late payments from merchants 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.

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. 

It Is not the consumers responsibility to help credit bureaus to do their jobs. I already went into XXXX XXXX and updated my address which means, the credit bureaus information is not complete or accurate on my credit accounts. 

Furthermore, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin American citizens, lives and their lively hood. 

They have messed up my credit, how is it possible for my credit score to go from XXXX points to XXXX points and I have no outstanding debt. I have been targeted unfairly and unjustly. 

Please delete and remove all closed accounts, late payments and loan accounts, that are not valid from my credit report. 

Best, XXXX XXXX.
Product: Bank account or service

Paypal notified me that I had the option to use the feature called pay after delivery. They also indicated I could turn on and off the feature as I wanted. This is untrue as now I 'm being told the system decides if I can or can not use the feature and there is no way to know until after I make a purchase even though my PayPal account says the feature is on. Its only fair that a consumer should know in advance what payment options are available to them before they purchase an item not after. It 's almost like a bate and switch. I bought the item believing I had been given 14 days to pay, then when I go to check out the payment option is switched to pay immediately. Then the next time I might buy an item thinking I 'm going to pay immediately the system decides to put it on pay after delivery. The consumer should be deciding how they want to pay for their purchases and know what options are available to them before they purchase an item. This is unethical and untruthful lending practices!!
Product: Debt collection

I completed an application for tides on leisure apartment in XXXXXXXX XXXX and paid an application fee as advised by XXXX XXXX I was informed that the application was denied after I called several times and emailed to get a status update of the application. They never followed up with me. 
I was told to contact the third party services they use to review applicants. I communicated with the third parties via email and phone. 
My application was denied. I never signed a lease. I do not owe this debt
Product: Mortgage

My partner and I placed an application for a home loan on XX/XX/2023 because we saw that chase said that they accepted homebuyers for FHA 3 % and 10 % home loans. Upon doing an initial application and speaking with XXXX, we were discouraged from sending our application to underwriting and were told that chase did not accept down payment assistance programs because people that used them tended to be unreliable with making mortgage payments, and that they did not do any FHA loans under XXXX for the same reasons. I attempted to file a complaint with Chase but they did not think discrimination was a big deal.
Product: Debt collection

On XX/XX/XXXX a judgement was entered that Plaintiff ( s ) Capital One Bank take nothing for failure to comply with a court order/Docket Number XXXX , Trail Court of MA XXXX Department Civil Session. 
I recently tried to get this off of my credit via dispute but was unsuccessful. I called credit bureau/XXXX  on XX/XX/XXXX to have them explain why I could not have this removed seeing as I got a judgement of dismissal and sent in the paperwork. Person by the name of XXXX told me he sent documentation of court judgement to Capital One Bank and they refused claiming that I still owed the credit card debt. XXXX and I then called Capital One Bank dispute department together that same day and spoke to representativeXXXX ID # XXXX who claimed my debt was sold to a 3rd party/XXXX  XXXX XXXX, a law firm I have no documentation from. When I was summons to appear in court a few years ago it was from another law group named XXXX , XXXX XXXX XXXX , XXXX . who were representing Capital One regarding the debt I owed which was {$2500.00}. I have documentation from that law group with my account number to the Capital One card and the amount I owed but Capital One representatives are claiming they have no notes on this law firm and they can not explain to me why that law firm knew all of my information and took me to court regarding the account they are saying I still owe. 
I've spoken to other representatives of Capital One : XXXX ID # XXXX claimed I owed the debt and again claimed no information on law group/XXXX, XXXX XXXX XXXX, XXXX. is in their system. 
Most recent contact XXXX ID # XXXX FAX : XXXX Reference # XXXX on XX/XX/XXXX still claimed I owed money and that I should send them documentation but XXXX   already showed them court judgement and now I am not comfortable speaking with them any longer. 

I called XXXX XXXX XXXX to confirm their identity as I am worried about my information circulating and a person by the name of XXXX told me that he sees in their system that Capital One Bank sold my debt to XXXX , XXXX XXXX XXXX , XXXX . first but now they have it. This rep told me he can see that XXXX , XXXX XXXX XXXX , XXXX . were ''in the midst of something '' but now they have it claiming they possibly sold it before my court judgment and I am very confused how this is legal. This person also told me that Capital One Bank has reached out to them and told them to cease attempting to collect the debt until they do their own investigation. 
I filed with AGO today and am hoping to seek help from whomever can guide me on this. 
I'd also like to note I recently looked up XXXX , XXXX XXXX XXXX , XXXX . and it says they are not in business any more.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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, 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 XXXX XXXX  before the payment due date. 

List : XXXX, XXXX, XX/XX/2021 and XX/XX/2021 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX XXXX has caused XXXX XXXX  and XXXX due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal XXXX XXXX CFPB Report Summary : PayPal has wrongfully billed me for a fraudulent {$650.00} transaction even after they resolved a PayPal dispute in my favor. During this process I filed a chargeback with XXXX and then cancelled it. They claim XXXX took the money from PayPal, but XXXX confirms I cancelled the chargeback and PayPal accepted the dispute in their favor. PayPal debited me after the date XXXX says PayPal accepted that PayPal had won the chargeback. At this point, I am out {$650.00} and have no recourse because XXXX says they sent the money back to PayPal but PayPal says XXXX sent the money to me. XXXX did everything they were supposed to, but PayPal is still erroneously charging me. 

Timeline : XXXX I purchased a very large tool chest on XXXX for {$650.00} including tax and shipping. 
XXXX A substantially different item is delivered by freight XXXX Item return started XXXX Seller promises refund XXXX Item picked up by freight delivery company XXXX No refund, opened PayPal dispute XXXX PayPal issues temporary refund of {$650.00}, but their automated system refuses to accept my info because it is not a XXXX or XXXX tracking number. Tried multiple times to communicate that the return was via local freight and there was no tracking number. Offered security camera evidence of XXXX XXXX workers in a XXXX XXXX truck picking up the merchandise, PayPal refused. 
XXXX PayPal closes the dispute in fraudulent seller 's favor, sets PayPal balance to - {$650.00} XXXX PayPal attaches {$650.00} charge to an unrelated purchase without warning XXXX Chargeback imitated at XXXX for {$650.00} XXXX PayPal reopens case XXXX I cancelled chargeback with XXXX, resolving it in favor of PayPal. No credit to my XXXX account required. 
XXXX PayPal researches my evidence and closes the case in my favor, refunding me {$650.00} XXXX PayPal sends a second notice telling me they closed the case in my favor and that they had already processed the refund. 
XXXX Without warning, PayPal charged me {$650.00}. Upon inquiry they claimed I had not closed the chargeback and they were collecting the funds XXXX had refunded me. 
XXXX PayPal and XXXX complete settlement of the dispute with PayPal confirming to XXXX that the dispute was resolved in PayPals favor.
Product: Debt collection

Date : XX/XX/24 Dear Consumer Financial Protection Bureau : I am writing this letter to elicit your support in redirecting the collection efforts of NetCredit concerning a loan that was fraudulently obtained in my name. 

I have attached the relevant facts that were provided to NetCredit in a phone call on XX/XX/24 and in an email dated XXXX? ? XXXX. 

To date, NetCredit affirms that I am responsible for the loan that I did not authorize and for the funds that I did not receive. 

I am requesting your assistance in resolving this matter. 

Contact information for NetCredit : NetCredit XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX, XXXX My contact information : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NetCredit account number : XXXX Attachments : Letter to NetCredit All attachments to letter to NetCredit
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Cathay Bank account to the fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic Inc. 
1 CoreLogic XXXX XXXXXXXX XXXX XXXXXXXX To Whom it may concern : Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual. 

A review of my XXXX consumer report revealed that CoreLogic Inc. had illegally reported / published information on my XXXX consumer report. 

In accordance with the FCRA and pursuant to 15 USC 1681 Section 602 states that I have the right to privacy. CoreLogic Inc. illegally shared my personal information with an unauthorized third party ( XXXX ). 

Furthermore, and pursuant to 15 USC 1681 Section 602 also states that a consumer reporting agency ( CoreLogic Inc. ) can not furnish an account without my written instructions.

I never gave CoreLogic Inc. permission to report, publish, or share my personal information with anyone. Therefore, I demand that CoreLogic Inc. DELETE any information that they provided to XXXX from my XXXX consumer Report. 

CoreLogic Inc. has violated my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). This is a FCRA violation.

CoreLogic Inc. has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission. This is a FCRA violation. 
These FCRA violations by CoreLogic Inc. has resulted in damage to my reputation, character, and credit worthiness.
Product: Credit card or prepaid card

I banked with Chase bank for years. I am a recent college graduate and I applied for a new line of credit this year with Chase. I needed this credit because I was moving from XXXX XXXX, XXXX to XXXX XXXX, XXXX I applied for the credit within a week of moving to XXXX XXXX and they gave me a limit of {$18000.00}. I missed a payment the last month because I was looking for a job but I have since been employed. I always pay my minimums except for this last time because I made a big move across the county to start a new life in a place with greater opportunity. I have every intention of paying off my credit, but I should be given the chance. I was given $ XXXX one month and the next month the accounts were closed. Why can I get a $ XXXX loan from the government to pay for higher education, which statistically speaking only 27 % of college graduates even use, ( https : XXXXXXXX XXXX XXXX XXXX ) but the second I try to get a loan to invest in myself and my dreams it gets shut down?
Product: Debt collection

I contacted Health Care Financial Services in XXXX regarding an account that did not belong to me. I was told if I paid {$500.00} they would remove the account from my Equifax. I felt like i was being bullied by the agent so she could collect salary and the agency so could make money. The representative was very rude and aggressive. 
I have never received any services at the XXXX Medical Center in XXXX, Mississippi. The hospital has no record of any treatment under my name or social security number. I spoke with XXXX XXXX XXXX and she suggested that I filed a complaint against the agency and file a dispute. The alleged patient had a date of birth of 1966 and i was not even born in 1966. 
I feel that is unfair for these agents to wrongfully collect monies against innocent people who do not know their rights. 
The address was not my address either. 
After I did not pay this ladies salary when she gave me a deadline later they started reporting negative information that affected my credit score. My score dropped by XXXX points on XXXX occasions due to these bully 's. Later they added it to another reporting agency. 
As i started to fight them back I noticed that they started passing my information on to other collection agencies to report negative items as well. 
Consumers should not be bullied or spoken to in very aggressive and nasty ways by such agency representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Consumer portfolio services XXXX XXXX XXXX XXXX Called today XX/XX/2022 - XXXX pm edt Did not answer. Voicemail was left. 
I attempted to call back, but the extension left was not valid. 

This company was looking for a woman name XXXX XXXX. She is a former/pass resident of my house. I do not know who this is, and she does not leave in my house. I bought the house empty. 

I returned call from this company in the last week of XX/XX/2022. Spoke with a woman representative and explained this to her. She was suppose to update their information to remove my number and address from their system.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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