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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern, I recently received a copy of my credit report and notice some discrepancies posted on my credit report : ALL of these CLOSED accounts are reporting Late Payment. 


XXXX XXXX XXXX closed but still reporting late payments XXXX XXXX XXXXXXXX but still reporting late payments XXXX XXXX- Closed but still reporting late payments XXXX XXXX XXXX- Closed but still reporting late payments XXXX- Closed but still reporting late payments Your company is in clear violation on the law. Under 15 USC 168ib permissible purpose of consumer reports, the law clearly states : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the customer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore the fair credit act 15 USC 168 ( 2 ) ( c ) ( I ), exclusions from the consumer credit act clearly states : ( 2 ) Exclusion- except a provide paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section168is -3 if this title, any ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete all of the above late payments from my credit report, for this agency is in direct violation of act. 15 USC 168i.

Failure to respond satisfactorily with the deletion of the above items, and sent out a free copy of my credit report once the changes are made, will result in legal action against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of identity fraud. 
3. Fair debt collections practices act 15 UCSC 1692 violations 4. Fair credit reporting act 15 USC 168i violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 168i ] Best regards
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. In addition to not acknowledging fraudulently opened accounts. XXXX XXXX Acct # XXXX {$2100.00}, XXXX XXXX XXXX Acct # XXXX {$560.00}, XXXX Acct # XXXX {$290.00}, XXXX  XXXX XXXX Acct # XXXX {$190.00}, XXXX XXXX Acct # XXXX {$5000.00}, XXXX XXXX Acct # XXXX {$620.00}, XXXX XXXX Acct Acct # XXXX {$1400.00}, XXXX XXXX Acct # XXXX {$4000.00}, XXXX XXXX  Acct # XXXX {$1000.00}, XXXX XXXX Acct # XXXX {$1400.00}, XXXX XXXX Assistance Acct # XXXX {$890.00}, XXXX XXXX Acct # XXXX {$1200.00} Be advised these accounts are reflecting duplicate reporting as well.
Product: Credit card or prepaid card

Dear PayPal. 

This is a letter of dispute regarding a balance transfer which took place last year on XX/XX/ for the amount of {$660.00} on my PayPal Mastercard. 

I paid my XXXX balance of {$660.00} on XXXX 

On my XXXX statement I noticed my previous months payment but I also noticed a balance transfer for the same amount from my lost card to my new card. 

The transfer took place on XXXX XXXX for the amount of {$660.00} five days later. 

I called PayPal few times to let them know about the issue but to no avail. 

So I finally paid the amount related to this matter again on XXXX since I wasnt looking for trouble with a credit card company. 

What I am asking is for PayPal to review my statements and payments from the month of XX/XX/ until my account was closed few months later I was also charged interest and late payment fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX ; XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX See Attached Documents. This corporation is in violation.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance regarding an issue with multiple credit inquiries that were improperly listed on my credit report. On XX/XX/XXXX, I visited XXXX XXXX XXXX to apply for a single auto loan, and I was assured that my credit would only be checked once. However, I discovered that my credit was run XXXX times over XXXX consecutive days : XX/XX/XXXX, and XXXX, XXXX. 

In addition, the dealership had me drive XXXX hours after confirming the exact amount I would pay since my credit was ran at another location one time and said they could use this - I got there and it was more than XXXX times the amount - the manager tried to XXXX me into agreeing to this amount and when I did not he without my authorization ran my credit XXXX more times after I stated I needed to purchase a home soon and did not want it ran more than the XXXX time I agreed to. I am now struggling to get my credit up to purchase a home. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These multiple inquiries were conducted without my authorization and have negatively impacted my credit score. I understand that multiple inquiries for an auto loan within a short period are typically treated as a single inquiry, but in this case, I did not consent to such numerous checks. I have contacted the credit reporting companies and the companies that ran my credit as well as the dealership with no luck so request the removal of these unauthorized inquiries, but I am seeking your assistance to ensure this matter is resolved promptly and my credit report is corrected. Thank you for your attention to this issue.
Product: Mortgage

i refinance my home with flagstar bank that time my home value was over XXXX, and my loan was XXXX, and i have a more than % 20 equity in my home, and they added Mortgage insurance to my Loan payment its around {$320.00} each month. This summer i request appraisal for my home MY home value came lowest price $ XXXX. 
I called my mortgage company flagstar bank again remove mortgage insurance. Because my home has more than % 20 since beginning and refound all paid insurance premium. they are sill reject my request. before the go to court i will complaint one more time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX
Product: Student loan

I got scammed by a 3rd party company who convinced me to do a student loan debt consolidation. They screwed me up so badly ... and I was working with the FTC to start a " lawsuit '' but I was getting threats and what not so I got scared and stopped. Then FedLoan servicing convinced me to put a pin on my account to protect it from the 3rd party company. I unfortunately fell on hard financial times .and also forgot the pin to my account. FedLoan servicing has instructed me to send a request in writing to remove the pin so we can discuss repayment options over the past 6 months I've mailed 2 letters, faxed 3 and made numerous phone calls only to hear " we are so sorry we don't see your request please resend. " I CANT EVEN DISCUSS REPAYMENT!!! HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for XXXX XXXX XXXX on XXXX after receiving a letter in the mail for a debt consolidation. I was told they could consolidate the debt over {$50000.00}. I signed up for a 2 year program. I completed the program in 2 years paid over {$55000.00} to XXXX XXXX & my creditors, but the accounts were suppose to be a paid for delete and all of the accounts except 2 accounts are still on my credit report. I'll upload the paperwork that I have from XXXX XXXX XXXX. Thank you!
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I was banking with XXXX and utilizing Zelle. On a random day, my account was no longer working, and specifically Zelle was no longer accessible. When contacting the bank on several occasions for the past year and a half, I have been given no reasoning, no update, no cooperation as to why, and no solutions. I ended up leaving XXXX and moving to XXXX XXXX XXXX and due to some form of a blockage or coding that was placed on my primary email and my only phone number, I am unable to utilize Zelle through my number and XXXX XXXX XXXX. This has forced me to sustain a great inconvenience for almost XXXX  years now. 

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I made my scheduled payment at TD Bank of {$490.00} my payment was made on time. On XX/XX/2023 I received a letter stating that the payment was not received I called TD XXXX number and was informed that the teller made a error and the payment was applied to principal and not to payment and to go into the branch to have this matter taken care of. I received and alert that the late payment was sent to my credit report. I would like this late payment to be removed from my credit report.
Product: Credit card

Citi approved a fraudulent credit card in my name. A Citi representative revealed to me that Citi " pushes through ' applications despite the fact incorrect information was used to illegally obtain a credit card in my name A Citi representative was combative & hung up on me, the victim of Citi illegally issuing a card to someone using some of my personal information
Product: Debt collection

I sent them a complaint on XX/XX/23 requesting all the original documents I signed to permit them to report my personal information to a 3rd party. They refused to send me the requested information. I am requesting the 3 signed documents, I need to sign to permit them to share my personal information. They can reference the U.S. Code 1681 ( A ) ( 2 ). If they obtain my personal information without my consent, they can reference U.S. Code 1028 ( A ).

I am requesting all signed documents that I signed to an agency to provide you with my personal information. It is your agency to provide the burden of proof. If you can not provide the burden of proof, under consumer laws you must remove any information you reported to any consumer reports immediately. This company stated I have to show them the burden of proof they obtained my personal information illegally. I am requesting all signed original documents that are attached with my name on them.
Product: Checking or savings account

XXXX overdraft fee in which I did not purchase anything to have an overdraft fee this has happened several times actually.
Product: Credit reporting, credit repair services, 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 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 Balance : {$540.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$180.00}
Product: Mortgage

On XXXX XXXX, 2016 ( I closed on XXXX XXXX, 2016 ), My lending agent asked me to send him my XX/XX/XXXX bank statement as it was, apparently, missing a page. I doubted that it was ; yet, I was prepared to send it again. It was about XXXX. My lender said he needed that document within a certain amount of time ( about forty-five minutes ) or my closing would be delayed. The pressure was surely on! After several attempts by my wife to take a picture of the supposed missing page and text it to the loan agent, she was told the pictures taken again and again were not clear enough, the agent could not read the document. At least forty-five minutes had passed. The loan agent asked for my username and password associated with my bank account. I was unwittingly prepared to give it to him until my wife adamantly cautioned me against doing so. She said, No! You do n't give out such personal information and should be skeptical of the motives of anyone, who is not supposed to, requesting such. She added ( since we could not meet the one hour deadline ) that the clear to close would just have to wait until the next day. I told the loan agent I could fax the document but it would take more than the time frame I was allotted by him. The agent acquiesced. The process took about forty-five minutes. I texted the loan agent when the document had been sent. The agent confirmed receipt by text. I am offended that the agent asked for such information. What was his motive? Under duress, I was prepared to act hastily. I feel insulted that he deemed me nave enough to break under that kind of pressure to close, dependent on his immediate receipt of the stated document. Was he trying to take advantage of the difficulties my wife and I encountered along the process of purchasing our home -- -- one being having had to change lenders before the loan agent of whom I now speak took over? Requesting my username and password associated with my checking account was wrong. Sketchy? Unethical? I remain indignant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and still not getting any resolution. I don't know what seems to be the problem. Please help me! 

List of accounts ; XXXX  XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX 11 XXXX XXXX XXXX XXXX HOSPITAL XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a Business Capitol One Account, which was previous closed by the creditor, and I have never been late. I had acouple of returned checks, but I paid all late fees and NSF fees. They closed my account stating that I was not using the account correctly. So, I had a balance and paid it before 30 days. They have reported my payment 30 days late, which caused my credit score to go down XXXX points. I have already been struggling as business owner, and I am tired going back and forth with Capitol One. I have made numerous calls to them, but it is very ineffective.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of Americollect over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. Americollect has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.
Product: Credit card

I received emails stating i have received a credit card to citi XXXX XXXX I never applied. I received emails on the 3rd and then on until now. I thought it was spam but then i received the card in the mail today.
Product: Student loan

In XXXX, I received a postcard from Navient regarding consolidating my Federal Student loans. I had just had my baby and was not working at the time. My husband was my sole source of income. At the time I had Federal Subsidized and Unsubsidized loans. Navient was my servicer. The postcard made it seem that I was just consolidating my federal loans. I had no idea I was turning them into private loans. I thought I was helping my family. I was struggling with XXXX XXXX and was not in a state to make such decisions. The amount consolidated was XXXX. Although, I am current in my payments, however this has left me in a situation were I am completely dependent upon my husband. There misleading advertisements has left me in a terrible position.
Product: Vehicle loan or lease

this complaint is an addition to a complaint that i already i filed against credit acceptance. i want to file a criminal complaint and and get recourse in this matter. this company repossessed my car illegally and im dissatisfied with the outcome of the previous complaint. You didnt address the violation of 15 usc 1692f unfair practices. Im extremely frustrated with the lack of investigation in this matter.Please look into this matter again
Product: Checking or savings account

On Thursday, XX/XX/2023, in the early XXXX, I initiated the transfer of {$9100.00} from my Chase Checking Account to my XXXX XXXX. Chase did not transfer the funds until XX/XX/2023 and made the funds available for use on XX/XX/2023 to this bank. They changed the date the request was submitted toXX/XX/2023 when in fact it was initiated on XX/XX/2023 delaying the requested funds more than 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX Account XXXX : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Account # 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, credit repair services, or other personal consumer reports

This Is A Fraudulent Account ... That Was Once Removed & Was Placed Back Onto My Credit Report For Some Reason ... if you check with the CRA 's It's Documented Me Calling In As I Realized It, Did The Freezing Of My Reports The Works ... 

Some Accounts was open in my name at another address on XX/XX/19 It went delinquent & was charged off for the amount of $ XXXX Tanking my Score During My First Home Buying Process XXXX XXXX XXXX Is The Data Furnisher Who Placed This Back On My Reports With The Help Of All 3 Credit Reporting Agencies
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting XXXXXXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my credit reports after being denied credit several times. There are many inaccuracies on my credit file. Account that are not mine, many incorrect names, socials etc. 
I have been disputing these errors with Equifax and XXXX XXXX and have gotten no response nor results. It has been over 90 days and they continue to ignore me. 
My character has been defamed at the errors in reporting on my credit files. 
Please Help Me