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

My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Money transfer, virtual currency, or money service

Dear XXXX I am writing to reopen my case regarding the complaint against PayPal, which was closed after their response. I appreciate your assistance in addressing this matter once again. Please find below a detailed description of what happened, including relevant dates, amounts, and actions taken : Description : PayPal permanently limited my account without any explanation and has been holding my funds for 180 days. This limitation and withholding of funds have caused significant inconvenience and financial distress. I am seeking a resolution to this issue. 

Actions Taken : On XX/XX/XXXX, my PayPal account was permanently limited without any prior warning or explanation. 
I have attempted to contact PayPal 's message center for assistance, but they have been unhelpful and failed to address my concerns. 
PayPal representatives repeatedly stated that I could not withdraw my funds to safeguard against potential chargebacks from buyers. However, I have never sold anything using PayPal, and all my funds come from personal transactions with friends and family. 
I also kindly ask paypal to tell exactly what tos/aup/ rules i broke to get my account perm limited in the first place. 
I have received money exclusively through PayPal 's Friends and Family feature, as well as from my PayPal account balance. There is no possibility of anyone initiating chargebacks for these transactions. 
Request : I kindly request that XXXX  redirect this complaint to the appropriate department that can address international cases, as I understand this falls outside the jurisdiction of PayPal 's United States offices. 
I also request the forwarding of the original complaint reference/message number for proper tracking and documentation. 
Please emphasize the urgency of this matter and the need for a satisfactory resolution that includes the withdrawal of my funds without any further delay. 
I deeply appreciate your assistance in reopening this case and ensuring that PayPal addresses my concerns properly. I believe that with your involvement, a fair resolution can be reached, and I can regain access to my funds. 

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

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

There are multiple inquiries on my credit report that I do not recognize they have not been signed or authorized by me I have been disputing these since XX/XX/XXXX and nothing is being done!!!! 

Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : CONTEMPORARY INFORMATI Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : NOWCOM/WESTLAKE FINANC Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : CERTIFIED CREDIT XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX CARD Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit card

I applied for the credit card listed here : https : //www.capitalone.com/help-center/contact-us/ I was approved and met all requirements stated in the fine print, which include spending {$500.00} in the first three months of account opening, applying through the link on the offer page, keeping the offer page open while applying, and not having received a promotional sign up offer in the past 48 months. 

On approximately XX/XX/year>, I contacted Capital One via their customer service phone number to inquire about the status of my signup bonus. I spoke to a representative. They informed me someone would call me back within a few days. Two weeks passed with no call back. 

Today, XX/XX/year>, I called again and spoke to both a representative and supervisor, who both informed me that my account was not eligible for the offer, despite the fact I met all the terms stated in the fine print of the offer. They refused to honor the offer. That is why I'm filing this complaint.
Product: Credit reporting or other personal consumer reports

Please ensure that the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open or permit these accounts and do not recognize them. As per USC 1681g, I request their removal within 15 days. Enclosed are relevant documents for your reference
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing a credit card account as " charged off '', which is negatively affecting my credit score. XXXX XXXX incorrectly closed my credit card and reported the credit card as " charged off '', which caused the credit agencies to adversely lower my credit score. I contacted XXXX XXXX about the mistake and was informed a letter was sent to the credit reporting agencies, informing them that my name has since been removed from the card and my responsibility for the card has since been terminated. This incident occurred in the summer of 2017. The incorrect information is causing irreparable harm in searching for a mortgage lender. I spoke to a lender about refinancing my home and the lender stated that there was some negative XXXX XXXX information on my credit report. The reported Experian score is approximately 50+ points lower than my other two scores.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Radius Global Solutions and a validation letter was sent. On XX/XX/XXXX I reviewed my credit profile again as Radius Global Solutions had not responded nor has the account been reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, was ran through XXXX and not paid and that all information is correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX, ACCOUNT # XXXX, XXXX XXXXXXXX XXXX, ACCOUNT # XXXX, XXXX  XXXX XXXX, ACCOUNT # XXXX, XXXX XXXX ACCOUNT # account ending in XXXX. 
First and Foremost : Per the aforementioned accounts, these debts have been charged off by these the original creditors, which means that the debts have been paid and are considered income. Since a Charge-Off is considered income, They MUST be removed as well. Income can not be reported on consumer credit credit files, according to IRS regulations as they are considered a certificate of indebtedness. 

There are other violations that require removal of the items : 15 U.S. Code 1681b - Permissible purposes of consumer reports 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 consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L XXXX ( XXXX XXXX. XXXX ) which is law that backs the code, it contents are even stricter, as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 
In closing I have never granted any of these companies written permission!!!!
Product: Credit reporting or other personal consumer reports

XXXX  ( XXXX ) XX/XX/year> This is a hard inquiry from a company that i did not authorize access to my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, WELLSFARGODEALERSVCS add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive taken the proactive approach into reviewing my XXXX, XXXX and Experian Credit Report after the XXXX 2017 breach. Ive contacted XXXX and was advised via XXXX website ; Based on Information provided we ( XXXX ) believe that your personal information may have been impacted by this incident. I enrolled in the XXXX XXXX XXXX which was offered by XXXX and locked my credit reports. I recently received a copy of my XXXX, XXXX and Experian credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Product: Credit reporting or other personal consumer reports

I have placed several disputes with experian Nothing was changed. I received a message stating that the information was correct even though it was not.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Absolutely discusted with XXXX XXXX and the scam they are guilty of for incorrect auto loan payments and house loan payments among other scams they have been found guilty of in a class action lawsuit keeping my credit rating labeled as junk in the low 500 range for 4 years and costing me $ 1000s in interest rate charges required down payment etc.. 
I'd like help getting paid from the settlement as I've only received a shotty short apology letter for any inconveniences this has caused with no mention of payback
Product: Debt collection

I wanted an internet service and I went to XXXX XXXX located at XXXX XXXX and XXXX in XXXX Texas. They gave me a modem and I installed it but it was not working. I kept calling them so they can guide me with the installation. It worked for a day then I was no longer getting Internet connection. I went to a XXXX store close to me in XXXX to return the modem, they refused to take it back. My personal car broke down and I was driving a company vehicle which I could not use for my personal errands but every XXXX store that was on my way I stopped to return the modem but they were refusing to take it back. 
Finally, I had a job around XXXX and XXXX XXXX I left the modem with a XXXX clerk by the name of XXXX. But he told me even though I brought the Modem back, I still was going to pay for it.I got the Modem onXX/XX/XXXX and I returned it sometimes early XXXX for the reason I stated above. 
Next thing I know, I received a bill from XX/XX/XXXXXXXXXX/XX/XXXX in the amount of XXXX Dollars. I called them to ask where this amount came from, did not get a satisfactory answer. 
Next, another bill from XX/XX/XXXX - XX/XX/XXXX in the amount of XXXX dollars. 
Next another bill from XX/XX/XXXXXXXXXX/XX/XXXX in the amount of XXXX dollars Next another bill from XX/XX/XXXX - XX/XX/XXXXXXXX in the amount of XXXX Now they put me on collection and said I owe them XXXX. 
I do not have the money to hire a lawyer that is why I am turning to you for help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Equifax and XXXX to obtain free annual credit reports in addition I have received the reports from XXXX  and from XXXX but I have not received my Equifax report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business with them
Product: Mortgage

We held a mortgage in good standing with XXXX XXXX Mortgage for over 12 years. In the fall of 2014, they sold our mortgage to Nationstar Mortgage. The transfer was rough on the Nationstar side ( no communication and lack of reps that could see the transferred loan in their system ) but we did n't miss a single payment. 6 months after buying our loan, Nationstar is advising we have negative escrow and want a {$5800.00} check now or a {$470.00} increase to our monthly mortgage payment for the next year. Problem is that we never had an escrow account with either XXXX XXXX or a new one with Nationstar. After sending it to their escrow research department XXXX times ( the first time the rep said he would log it but did n't so their records only show XXXX attempts ), we get the same form letter with the same demands every time. Our choice now is to damage our credit or pay almost {$500.00} a month extra in mortgage for a debt that XXXX XXXX added to the end of our loan period. 
Additionally, our mortgage was an ARM that could only be adjusted during the first XXXX quarters of the loan. That time limit has come and gone under the XXXX XXXX term. Now Nationstar feels they have the right to adjust the rate every 6 months over the remaining life of the loan which was never the terms of the original mortgage. How is our mortgage allowed to be sold and the new mortgage lender not follow the terms of the original mortgage? We have not entered into any subsequent or amended agreement with Nationstar and had no say in the matter when they purchased our loan from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/items which do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report on XX/XX/XXXX, I discovered inaccuracies related to several hard inquiries. These inquiries lack permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, as well as FCRA Sections 609 and 623. Please remove them immediately. 
Disputed Inquiries : XXXX XXXX XXXX  o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 2. XXXX XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 3. XXXX XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 4. XXXX XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 5. XXXX XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b XXXX XXXX XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections XXXX09, 623, and 15 USC 1681b