23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I used PayPal for a purchase from XXXX. The unit ( {$1700.00} ) did Not work I contacted XXXX, the manufacturer XXXX, & PayPal. I asked for a replacement of a refund. After a month I was told on XX/XX/XXXX by PayPal I would get a REFUND with a return. I returned it to the address in XXXX, given which cost me over {$400.00} USPS XXXX. Since, I've contacted PayPal for 2 months, I was told I was only a few days away from seeing my Refund returned to my bank account. Today I received the attached email. I would be happy to talk to someone at CFPB about my immediate options. XXXX Thank-you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX XXXX XXXX
Product: Credit card

I have repeatedly Tried to get the First National Bank of Omaha to correct it reporting of my account information to the XXXX major credit reporting agencies. In every instance, they failed to correct their miss- information. XXXX says they have checked the information but that is an outright lie because if they had it would have been changed. Their actions have a major impact on my credit score and should be changed to reflect the current status.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$480.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$6500.00} / XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed not only for the utter fact that I have never been late!, however also the fact that they have failed to give a response on information Ive requested within the 30 day time frame Ive requested it in. With several emails that will be attached following no response. This company then proceeds to charge my credit card balance without my express consent or permission to continue service with them to supposedly build credit but up the amount of money I have to pay every month from {$2.00} to {$5.00}. Reporting now 2 late payments from XX/XX/XXXX and XX/XX/XXXX these are both inaccurate and false when I paid all balances every month on time. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 

15 U.S Code 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 21 days before the payment due date. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 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

In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

Information that should have been added to my credit profile as i have requested was not and it should be added in order to show positive history and payments just as creditors have the right to report it.
Product: Credit reporting or other personal consumer reports

The companies primarily of concern are XXXX. XXXX, XXXX. XXXX, and XXXX. Experian. 
Theyve reported several egregious inaccuracies, so egregious that Ive hired several credit repair agencies to help. However, my concern is these agencies, in order to remain profitable, they require clients over a certain term. I recently paid off a XXXX collections ( XXXX and XXXX XXXX XXXX  via XXXX XXXX ( XXXX of which is not labeled a collection in XXXX ) ) ; and a major charge-off ( XXXX XXXX via XXXX XXXX XXXX XXXX that was close to XXXX XXXX XXXX ( XXXX  years and XXXX  months ). 
XXXX has especially been problematic because they, for some insidious reason, display a duplicate of the same XXXX account I just settled and closed. Ive submitted the settlement letter indicating the status of this account via several disputes, spoke on the phone for XXXX minutes with various XXXX XXXX, and offered to provide and/or establish a telephonic meeting between XXXX and XXXX XXXX which was expectedly declined. 
Ive done the work and made some difficult choices to correct my financial health. My job has limited me from certain aspects and tasks. I need these credit bureaus to do their due diligence in reporting, just as I have and still do on XXXX XXXX in serving and protecting this country.
Product: Credit reporting or other personal consumer reports

Sent letters in XX/XX/year> asking for amount of payoff of the car never received information back than another company has my debt and I know nothing about them or knew they was selling my debt and they wouldnt communicate with me or send proof of amount of what is suppose to be owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

I am submitting this complaint to follow up my previous caomplaint submit4ed on XX/XX/2022 regaring the removal of the Fraudulent information from my Credit report. I was frustarted to see that the Credit Bureaus have done nothing to helpe a consuemr in need! I am planning to pursue legal action against the Credit Bureaus if they decide so still not pay heed to my requests and continue reporting the diputed fraudulent items on my Credit File without proper verification. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. Let me remind the Credit Bureaus that they are obliged to comply with the FCRA section 605b if they can not prove that the items do belong to me by providing documents signed by me. I would greatly appreciate it if the Credit Bureaus can remove the following items at the earliest possible time : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXXXXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$51.00} XXXX XXXX XXXX XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was pulled I have not authorized my credit to be pulled XXXX XXXX, XXXX 2019. 
My credit score has dropped 100 points.
Product: Debt collection

I contacted discover via certified mail about an alleged debt. They have reported negative information to the credit bureaus and the credit bureaus are saying they have sent in information verifying the debt. 

However, I asked discover for validation of the debt and a copy of my original signed contract ( as allowed by law ). 

I have attached the original letter sent via certified mail and also the signature receipt showing that my letter was received.
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. I told the XXXX, Transunion, and XXXX to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I WANT THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had multiple discrepancies on my credit report and I have asked for the information to be verified and removed. Neither has happened and I also wrote a demand and comply letter. I still have not received a response or any information that may have verified the discrepancies. This means the credit bureaus have also not complied with there policies.
Product: Payday loan, title loan, or personal loan

On Thursday XX/XX/2023 I stepped in to the Instaloan branch at XXXX XXXX XXXX, XXXX, FL XXXX. I was asking to switch my loan from one vehicle to another and was told that I would be able to do that. I filled out the paperwork and was advised that I needed to make an interest payment of {$65.00} in order to make the switch but I would get the funds back with the new loan on the new vehicle. After the payment was made and the paperwork was submitted I was then advised that they no longer are able to switch over loans. I requested that my {$65.00} be returned to me, at first I was told they could not return the money. After about an hour of waiting I was advised they would void the transaction and I would have a check cut in 3 business days. It has now been 7 business days and I have not received a follow up call nor has the transaction been voided. I feel this payment was taken under false pretenses and seems like a fraudulent way to do business. Who I believe to be the manager knew that they were no longer able to do these processes and her employee should have been trained on this. I feel taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was on the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been XXXX XXXX twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Product: Credit card

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to have all old addresses removed and corrected to XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, MN XXXX. I sent several letters and nothing has been done. The address on file in inaccurate and needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2023 myself and my realtor was reviewing my credit report and observed inquires on the report that I didn't not authorize. There was also a collection on the report the report as well. I know I am old to be buying a house but it is something I would like to pas on to my daughters and their children.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX - XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( 3 ) personal credit card accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ). An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), Personal loan accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX  opened XXXX XXXXXXXX XXXX XXXX under the account number ( XXXX ) and ( XXXX ) collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of ( {$1200.00} ) that appears related to an account opened at XXXX XXXX and XXXX XXXX XXXX opened XXXX XX/XX/XXXX with a balance of ( {$1100.00} ) appears related to XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of ( 2 ) FTC Identity Theft Criminal Complaint # ( XXXX ) & # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My identity was leaked throughout the dark, web birth certificate, Social Security card and drivers license. Ive had a person on multiple people, pretending to be me in multiple states.
Product: Credit reporting

My score drops about XXXX points ( from XXXX to XXXX ... ) for a month, there are some things that do n't make since ... 
My Credit Card Utilization - XXXX from XXXX XXXX, {$10000.00} Limit / {$8500.00} Used - it is 24 months interest free, but it is count as real credit card ... 
XXXX from XXXX - that XXXX is for 60 months interest free, but still counts as real credit card ... 
Credit Inquiries - I get a new mortgage this spring from XXXX XXXX, for some reason they have XXXX Credit Inquiries for the same thing .... 
in the same time, another bank run another Credit Inquiry fro the same thing and I only has been asking for quota ... 
I really do not remember asking XXXX and XXXX XXXX for anything and why they issued Credit Inquiries ... 
So, without even a late payment on anything, my score drops XXXX points, I do not think this is fair ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly lates on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid. There is no outstanding balance. Please keep in mind it is impossible to be late on an account with no balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, 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 investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$71.00}