23daVinci/CFPB_Complaints huggingface dataset:
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. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 
12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account. 
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNT IS REALLY AFFECTING THE WELL-BEING OF MY CREDIT HEALTH. PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY. IT IS A XXXX XXXX   ACCOUNT REPORTING UNDER XXXX, OPENED IN THE YEAR OF XX/XX/2006 AND DISPLAYS AN OUTSTANDING BALANCE OF {$1800.00}. I REALLY NEED TO MAKE A BIG PURCHASE IN THE NEAR FUTURE AND WOULD LIKE THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE.
Product: Checking or savings account

I had an issue that had to resolved with 360 banking through Capital 1 last year. It was mediated by the CFPB because they changed my name on my credit report and the banking I have XXXX and their explanation was I feel less than par and very distasteful crude and I felt I was part of my own dehumanizing. Its happening all over again theres missing payments and large amounts of money and I get absolutely no help from them filed formal complaints not once have I ever received a call back even from the first incident. They did have to write up their staff by the name of XXXX for violating my civil rights, and I would like to reopen or associate this mediation with the last complaint, its just cultured and enable behavior. Im in my opinion and I can prove this..

I am also sending in the documentation to show they took the money out and to show with a firm that they received the money and when it posted to their account, Im also providing the information with the return payments when monies are in the account as well. this month alone Ive been charged over {$300.00} just from the leasing company because of whatever is going on at the 360 banking.

I was only able to upload five documents, but all of this also occurred. This is the third month in a row that the payment was apparently returned as well from my rent.
Product: Checking or savings account

Fifth Third Bank charged a monthly {$5.00} dormancy fee on both my checking and savings accounts over multiple years. Below are the issues : I. I did not receive a statement at the correct mailing address notifying me of the charges on my account. I changed my address with XXXX, but Fifth Third continued mailing to my old address. Furthermore, they locked my online access preventing me from managing and viewing the activity on my accounts. 

XXXX. The dormancy charge amount was not disclosed in the Deposit Account Rules ( the " Rules '' ) and Regulations provided by Fifth Third as required under Reg DD, 1030.4 ( b ) ( 4 ). The Rules simply refer to a fee schedule to see the fee amount, but no fee schedule was included or enclosed. 

XXXX. The Rules state that a dormancy fee can be charged after a period of " Inactivity, '' defined as " no deposits into or withdrawals from the account during the applicable period. '' During the period I was charged these fees, my account was debited a {$5.00} fee and credited interest each month, which is not Inactivity as defined under the Rules. This is both a contract issue and also an unfair and deceptive UDAAP violation. 

IV. A sample account statement Fifth Third provided in response to my complaint includes the following disclosure : " Remember, no monthly service charge if : You maintain a total monthly average balance of {$1500.00} across checking, savings, and investment accounts. '' Well after Fifth Third began charging me dormancy fees, my account balances were : {$1300.00}, {$2800.00}, and {$440.00} yielding a monthly average of {$1500.00}. Despite maintaining a balance above the threshold Fifth Third disclosed, I was charged multiple monthly {$5.00} fees, which is an unfair and deceptive UDAAP violation.
Product: Credit reporting or other personal consumer reports

I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX XX/XX/XXXX. This account has always been paid on time and has never been late since XX/XX/XXXX. I have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.
Product: Money transfer, virtual currency, or money service

I am a XXXX customer of PayPal and am relatively comfortable with using the XXXX XXXX assistive feature on my XXXX XXXX  to navigate accessible features and apps on the XXXX. A friend of mine made an airline purchase for me with the agreement I would reimburse him via PayPal. I have used PayPal successfully for years and felt confident with its app. To make the payment, I used the Search feature on PayPal and entered my friend 's email address. PayPal then located what I believed was my friend 's PayPal account since I typed in his email address. Because I am XXXX, I am not able to identify another customer by an avatar, and because the account name PayPal was " phonetically '' identical to my friend 's name, I entered the payment amount and sent it. To my horror, when I contacted my friend to confirm he received payment, he said he did not. I called PayPal to report the incident and discovered I sent the payment to the wrong person because -- and this is critical -- PayPal gave me the wrong account even though I typed in the correct email address. I had to escalate the call and make several attempts because each time the PayPal representative said it was not their fault but my fault. I finally had a supervisor type in my friend 's email address in the PayPal search feature, and she came up with the same incorrect account. The two names were spelled differently but were phonetically identical. My friend 's name is XXXX XXXX. PayPal instead directed my to XXXX XXXX. This incident occured on XX/XX/2021, and the amount was for {$520.00}, I believe. I did try to cancel the payment but it was already accepted by the wrong account member. I also attempted to email the mistaken account member but received no response. PayPal 's only comments were to wait two or three days to see if the other person responds, and if not, there is nothing they could do. To summarize, I am XXXX, I typed in the correct email address for my friend, PayPal 's system gave me the wrong person, I sent the wrong person {$520.00}, this person did not respond to my requests to return the money sent in error, PayPal duplicated this error on their side and admitted it must be a quirk in their algorhythm, but said there was nothing they could do further. I am hoping there is some legal or ethical precedence to hold PayPal accountable for not only refunding my funds sent in error due to their site, but also to force them to evaluate and correct this error that might and probably has affected other XXXX, visually impaired customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX took over our home loan in XXXX. Zero issues what so ever payments where made on time. For the first four months my father would call in his payments and they would take them and process them with no issues and my father has even added additional funds for the principal every month. Let 's fast forward to the first incident in XX/XX/XXXX my father called in his payment as he always did got his confirmation number and went about his day. Right away at the end of XXXX I had people coming to the home taking pictures asking if anyone was living in the home. Puzzled and confused we call XXXX and they said no payment had been made for the month so they just wanted to verify someone was living in the home. On the phone I mentioned the confirmation number they took it but said nothing existed. After making the payment I asked if my credit would be damaged because of this and they said they did not know. Right away that was a red flag! After countless phone calls, letters and emails at the end of XXXX my credit report was updated with a deduction in points from XXXX to the low XXXX 's. After trying to explain the situation they were no help what so ever! all I got was a you should have made that payment on time. Now let 's forward to XXXX! My father had some extra cash so he decided he would make his payment early. I made this payment on XX/XX/XXXX for the amount of {$1800.00} and an additional payment to the principal for {$300.00} a total of {$2100.00} for the next month of XXXX. I kept an eye on the bank account but noticed something strange XXXX only took the principal payment of {$300.00} I called to confirm that and they said that was correct! I asked why?? if I made a payment for {$2100.00}. I remembered what we had already gone thru this so I mentioned this to the operator and she said she saw this exact problem earlier in the week with a different customer. I mentioned what happened to us in XXXX and I told her that it feels as if XXXX XXXX  would love the home back since they really want us to miss payments and mess with our credit. I would happily sell the house back to them!!!!!!! but if the payment system has errors why not change that??? why don't you fix this! I tried to buy my own home but was unable to because of the damage to my credit thats just now getting better. I would appreciate it if XXXX took responsibility for the XXXX up from XXXX and for the one for XXXX or is this plane old sabotage?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reporting in accurate information on my credit report which has affected my XXXX XXXX. XXXX XXXX reported on multiple times to all credit bureaus in accurate information. They reported with XXXX and Experian that for the month of XX/XX/XXXX that I was 90 days late but with XXXX they reported that I was 120 days late. For the month of XX/XX/XXXX they reported with all three credit bureaus that I was 120 days late. For the month of XX/XX/XXXX they reported with XXXX that I was 120 days, Experian that I was 150 days late and with XXXX that I made payment on time. XXXX XXXX has reported on all my accounts with them in accurate payment his. I have also made three complaints with credit bureaus to resolve these inaccurate reporting but I was always informed that the information is reporting accurately. I have attached my credit report to reflect the inaccurate information being reported.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXX ORIGINAL CREDITOR -XXXX XXXX ACCOUNT NUMBER # - XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report.

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Debt collection

recently a collection appeared on my credit report from XXXX  XXXX XXXX. The purchased debt in question was disputed by me from the last bad debt buyer & the debt was removed. I received no notification or attempt to collect this debt from the reporter. 
this debt is already aged past the maximum reporting age in my state ( texas ). I have had no opportunity to dispute this debt, nor validate it. The information in the report is incorrect, in effect re-aging this debt.
Product: Debt collection

I.C. SYSTEM has been contacting me against my will with no prior written consent. This is an aggressive and illegal debt collection/ tactics. I do not have contract with ic system or any of its affiliates. I have granted ic system to validate proof I owe any debt which they have not and can not. I have sent all communication to ic system with USPS certified mail and green slip return and they have not refuted or rebutted my affidavit, and cease and desist and billing invoice for the Federal laws they violated against me as a consumer. I have put ic system on notice on XX/XX/2021 and XX/XX/2021 with affidavit, cease and Desist and billing invoice and evidence of violations. I gave ic system 30days upon receipt to rebut the documents. Then I sent a notice to XXXX  with 10 extra day to cure the violations. I have been damaged, I feel threatened from this debt collector. I have acted in good faith with ic system notifying that I will pay any debt that can be validated but ic system has continually failed to validate or show proof of any debt or contract. I will continue to enforce my federally protected rights until I get what I want from this situation.
Product: Credit card or prepaid card

Nordstrom credit card reported to XXXX XXXX, XXXX, and XXXX that " I Disputed the Account After Resolution. '' This is inaccurate. I requested through each credit reporting agency to have that removed as a comment on the account because I never in writing or verbally disputed the account and those comments disqualified me from obtaining FHA refinancing on my home. Nordstrom replied to the credit reporting agencies that the comments on the report were valid but never sent me proof that I disputed the account. I am requesting that Nordstrom show me written or verbal proof that I disputed the account or correct it on each credit reporting agency.
Product: Money transfers

This is the second time this happened. I sent money to my son XXXX and i had to call due to the fact my name is on a list for drug something or another but my name is a common name so the first time i had to call was fine but my name should 've been removed from that list so it happened last night again and the wait time to talk to someone is simply unacceptable. I will not ever be using Money Gram again. I am a hard working man and i should n't had to even go through that once let alone twice!
Product: Credit reporting or other personal consumer reports

I have an account with Affrim. The account was opened using my phone number and email. I never closed the account neither did Affirm. I carried a balance for a long time that I paid off. Affirm, in the same account using the same app and information, at XXXX time, gave me credit again allowing me to finance purchases through them. My available credit was increased during the holiday months. On my credit report, Affirm is reporting XXXX different accounts, XXXX paid and closed and late payments and another showing paid on time. I NEVER had more than XXXX account with Affirm. My XXXX XXXX is better now than it was in XXXX and XXXX and they allowed me credit up to {$2000.00} during the holidays and now are saying I am ineligible because of my XXXX score but my XXXX score was not an issue during the holidays when they increased my available credit without me asking for an increase.
Product: Student loan

***Received a letter from XXXX XXXX on XX/XX/XXXX advising that they are getting out of the Student Loan Business & transferring accounts to Firstmark Services effectiveXX/XX/XXXX where Firstmark will now be primary contact for student loan information. 

***We were asked to create an account with Firstmark beginning on XX/XX/XXXX or later. As per the request, account was set up and does not show any history. When I called Firstmark several times they do not show any information other than Accrued Interest owed since they took the loan over. I need to see the accrued interested since the beginning of the loan with XXXX XXXX back in XXXX. I have proof of accrued interest payments to XXXX XXXX in the amount of {$1100.00}. I was not getting any answers from Firstmark, so I called XXXX XXXX who totally disregarded the loan and said they sold it off. I am not asking for anything other than what was already paid out to reflect my new account and show history. 

***Spoke to another rep from Firstmark XXXX XX/XX/XXXX who said he had the information for me and would email it over within 48 hrs. It is now XX/XX/XXXX still have not received it. I called again today on XX/XX/XXXX with a very rude rep stating they have over XXXX XXXX loans to transfer over and he will put my request in again, but I probably will still not receive an email regarding my request. 

Not sure at this point where my information is as I am getting the run around from both XXXX XXXX & Firstmark Services. I can not believe in today 's time with such technology that payment information is readily available.
Product: Mortgage

My mortgage was transferred to PHH Mortgage on XX/XX/20. Since my mortgage was transferred I have never received a monthly statement from PHH Mortgage. I have called PHH Mortgage every month to get this fixed and have been told on numerous occasions that this has been fixed. I have even signed up for electronic statements to help this issue and have still never received even an electronic statement. I have never been given a straight answer as to why I am not getting statements either. I am lost as to what to do next and would love to have a new company as I do not trust this company to properly apply my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a report to Barclays Bank about a fraudulent charge by XXXX for XXXX on my account. A fraud investigation was opened by the Fraud Investigation Department on XX/XX/XXXX. I received a letter from Barclays Bank on XX/XX/XXXX stating that the investigation had been completed and that it had been determined as fraud and that I was NOT responsible for the charges. However, I continued to be charged by Barclays relating to this and I accumulated late fees on top of this. It was also reported to all credit bureaus as a delinquent/late payment in which my credit score suffered. I called Barlcays Bank on XX/XX/XXXX to have the charges removed from my account and for Barclays to report an error on their end with all credit bureaus. I was told that the charges and late fees would be removed from my account within 24 hours, and that they were escalating my file and that it would be resolved with the credit bureaus in 7-10 business days. It was not. I called again on XX/XX/XXXX as charges and late fees were still appearing on our account and our credit score had not been rectified with the credit bureaus. I was told again by an employee of Barclays Fraud Investigation Department " not to worry '' and that the late fees would be removed from my account within 24 hours and that they were ( again ) escalating my file that it would be resolved with the credit bureaus " guaranteed '' in 7-10 business days. Again, it was not. I called a third time on XX/XX/XXXX. They finally removed the charges and late fees from my account and AGAIN told me that they would escalate my file. This time I was told specifically that a letter on Barclays letterhead would be sent to the credit bureaus and to myself stating that it was a reporting error on Barclays end and that my credit score issue would be resolved no later than XX/XX/XXXX. I called again today, XX/XX/XXXX. I spoke with XXXX ( employee number XXXX ). XXXX told me that it had not been escalated at this time. I was told that she would again escalate it, but now it could take 30 days to receive a response. This issue, that we have been dealing with since XX/XX/XXXX, has significantly impacted my credit score and prevented me from important financial decisions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5400.00}