23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Equifax dropped my score by XXXX points without due cause and refused to tell me why this had happened. Spoke with Equifax on Monday XX/XX/2021. XXXX XXXX transferred me to XXXX XXXX who transferred me to XXXX XXXX. All said they were unable to tell me why my score had dropped and offered to send my report. The problem is the score dropping without cause. There has been no such drop from the other two bureaus because there is no reason for a downward adjustment. I have an excellent payment record and 14 % utilization with no new negatives. This has caused great distress as I have carefully raised my score from bad to good over the last two years. I have studied credit and understand how it works. Compared to my other reports, my Equifax report is fraudulent and full of errors. It contains incorrect addresses, names and accounts which could lead to fraudulent accounts being opened and I will dispute them separately from this issue. This has been very emotional for me as a drop this huge is very traumatizing to someone who has worked so hard to raise their score. There is part of me that feels that this score drop is racially motivated. While this is ongoing I am suffering punitive and emotional damage as I was in the process of buying a car. My current unfair and unexplained Equifax score decrease is preventing my efforts to secure financing. I need an explanation, a reversal and restoration of my hard earned Good rating. They need to correct their error. There is not a valid reason for Equifax to have lowered my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019 and XXXX. XXXX, 2019, SYNCB/PAYPAL, on XXXX XXXX, 2019, SYNCB/AMAZON add a hard inquiries 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: Mortgage

I am writing in response to my communication regarding the permanent nature of FHA mortgage insurance on my loan. While I understand the FHA regulations as outlined in your response, I find this policy to be disproportionately burdensome, given the following : Increased Financial Strain : My property taxes and homeowner 's insurance premiums have significantly increased, further escalating my monthly obligations. 
Home Appreciation : My home has appreciated substantially since the loan was originated, resulting in an updated LTV ratio that would qualify for mortgage insurance removal under alternative programs. 

Refinancing Challenges : While refinancing is suggested as a solution, the current market interest rates would significantly increase my monthly mortgage payment, making this option financially unsustainable. 

I respectfully request that your organization review this aspect of the loan and explore potential avenues for relief. Specifically, I ask for your assistance in advocating for policy changes or providing options such as streamlined refinancing, temporary mortgage insurance reductions, or alternative solutions to offset the financial burden. 

Rising homeownership costs and the inability to remove mortgage insurance despite substantial equity have placed an undue strain on my finances. I look forward to your response with actionable next steps and a commitment to exploring alternative support methods. 

Thank you for your time and attention to this matter. 

Sincerely
Product: Credit reporting or other personal consumer reports

I found a Bankruptcy listed on my report. I contacted the XXXX XXXX XXXX XXXX XXXX  XXXX and received the following information. " The XXXXXXXX XXXX XXXXXXXX does not report, furnish, and/or transmit XXXX XXXX XXXXXXXX XXXX other information to the credit reporting agencies. '' I contacted XXXX XXXX Recorder and they repeatedly confirmed that they DO NOT provide any information to XXXX, TransUnion, or XXXX, or XXXX XXXX, nor do they ever validate or confirm information regarding cases from the public record. As I have disputed this information in the past and requested reinvestigation, I have reason to believe and do so believe that if the CRA can not VALIDATE the information with the original creditor, they must remove it. 
I believe the information provided to me by the Courts to be factual, giving me reason to believe and do believe it would be impossible for ANY CRA to obtain verification of ANY Bankruptcy accounts reported on my credit report through physical verification of the original signed consumer contract and/or judgment. I have a constitutional right to be left alone, and I have due process rights and privacy rights that have definitely been violated. U.S. Supreme Court decided in Carpenter v. United States, that I have a reasonable expectation of privacy in the whole of my physical movements, including movements in public. As the CRAs are profiting off of the dissemination of this misinformation that violates my privacy and could never be verified/validated/confirmed accurate, they have gained, to my detriment, creating a substantial moral hazard and injured me by causing an interference with my ability to engage in commerce.
Product: Money transfer, virtual currency, or money service

Thursday XX/XX/XXXX and XXXX XXXX  PayPal contacted me saying they had closed my account and are withholding the money in my account The amount I currently have in my account is {$290.00}. I have called and recorded the conversation with PayPal support 3 times over the course of a couple days, the first individuals claim they have no idea as to why there was a hold on my account, gave me a ticket number and told me to wait for an explanation as to why. No response was given. I called them Sunday, XX/XX/XXXX around XXXX requesting an explanation, with none to be given. They have admitted multiple times that they have limited my funds without proper notice as to why, They then transferred me to a supervisor, who again, declined to give me any information. I have had the PayPal account since XXXX  with no issues. I would like my money back, and my account reinstated if at all possible, I reviewed their blanket policy terms of service and found that I had not violated it. here is the email I recieved You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. 
If you have funds in your PayPal balance, we'll hold it up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement. After that period, we'll email you with information on how to access any remaining funds. 
If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 
You can find the complete the PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 
We regret any inconvenience this may cause. 
Log in to PayPal
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX. I went directly to XXXX to dispute this item in question XXXX could not verify this item so they deleted it from their database. 

I then went back to XXXX on XX/XX/2021 and showed them the deleted bankruptcy from XXXX informing them that they could not reveal how they truly verified this item then it needs to be deleted according to FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the accounts and inquiries listed below. These accounts and inquiries are fraudulent, and I did not authorize them. 
Fraudulent 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last weeks i recieved multiple calls about collections that do not belong to me. I also recieved alerts that my information was discovered in over 2 worldwide data breaches. After reveiwing my credit report i discovered many fraudulent accounts listed on my credit reports. I believe i am a victim of identity fraud. I demand that the fraudulent information be removed from my credit report immediately!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian. 

Please delete the following accounts : XXXX. XXXX XXXX - Account Number : XXXX balance : {$420.00} XXXX. XXXX - Account Number : XXXX balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX  And the three major Bureaus, Trans Union, XXXX, and XXXX because I noticed inaccurate information on my report! I ask them to correct it and they said they did! Upon my own observation of my consumer report I noticed that the inaccurate information still remains! So I ask for an reinvestigation! And they look upon it again they told me that they didnt find anything inaccurate information and they not changing nothing! 

Upon my reinvestigation I still found the inaccurate items to be on my consumer report! 

And have file complaint to FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open credit card account with Bank of America and I have not been late on payments on this credit card ever since I applied for it on XX/XX/XXXX. On XX/XX/XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, bank of America credit card services have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, Bank of America have decided to close the account on XX/XX/XXXX. 
On XX/XX/XXXX, I reached an agreement with Bank of America to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. Bank of America did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.
Product: Payday loan, title loan, or personal loan

1.Americash is consistently raising my interest rates and bi-weekly payment amounts.

2.They did not disclose that i can't take a loan out if i had a current loan with XXXX XXXX in XXXX, Illinois. 
3.I sent Americash an email revoking my wage assignment. 
4. Americash called my employer on XX/XX/2019 and left a collection message. 
5. Americash called and threatend me on XX/XX/XXXX that they had left me 2 messages, they were upset that i could not take their call during business hours. 

I was not aware that they would demand 2x the amount due in a bi-wkly payment if i missed a payment. 
I am in heavy debt with 2 installment loans with Americash and  XXXX  in XXXX, IL
Product: Credit reporting or other personal consumer reports

Dear XXXX Disputes Department, I am formally disputing the late payment entries being reported by XXXX on my credit report. These reported late payments appear to be inaccurate, unverifiable, or improperly reported, in violation of federal law. I request an immediate investigation and correction of these derogatory marks in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Accounts in Dispute * Loan ID XXXX ( reported as 90 days late ) * Loan ID XXXX ( reported as 30 days delinquent ) Legal Basis for Dispute XXXX. Violation of XXXX XXXX. XXXX ( a ) The Fair Credit Reporting Act ( FCRA ) : * The FCRA mandates that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If XXXX can not provide definitive proof of accuracy, these negative marks must be deleted. 
2. Violation of 15 U.S.C. 6801 Gramm-Leach-Bliley Act ( GLBA ) : * The GLBA requires financial institutions to ensure the security, confidentiality, and accuracy of consumer financial data. If XXXX reported inaccurate or unverifiable late payments, they have failed their legal duty. 
XXXX. Violation of 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) : * Under this law, consumers have the right to demand validation of any alleged debt-related reporting. I demand XXXX provide : * A full payment ledger with a breakdown of every payment applied. 
* A signed contract proving I agreed to the reported terms. 
* Proof that proper notice was given before any derogatory reporting. 
4. Violation of 15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : * The GLBA also requires proper disclosure of how consumer data is used. If there was any failure in notification or data security leading to inaccurate reporting, these late payments must be deleted. 
Request for Immediate Action XXXX must fully validate and provide documented proof of these late payments within 30 days. If XXXX can not provide clear, verifiable documentation proving the accuracy of these reports, I request the immediate removal of these late payment entries from my credit report across all bureaus ( XXXX, Experian, and XXXX ). 
Additionally, I request written confirmation of the investigation results and any corrections made. 
Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for non-compliance with federal law. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Dear CFPB, Reference ( ALLEGED ) Judgement # XXXX XXXX I owned a vacation rental property in the state of Hawaii, Island of XXXX of which Bank of Hawaii foreclosed and sold at the courthouse steps 3 years ago of which was represented to me as payment in full. To my surprise, the bank is now threatening to collect an " ALLEGED '' Deficiency Judgement -- - 4 years later in the amount of {$310000.00} I WAS NEVER CONTACTED BY BANK OF HAWAII AFTER THE FORECLOSED SALE! 

I request the CFPB to investigate this matter as I have NO record of any past " LEGAL Advance Notifications '' from the bank, inclusive, of a full accounting of how the foreclosed sales overages were legally applied at the time of foreclosure. Further, I request proof/verification if the bank was ever reimbursed for any perceived losses via ( LOAN LOSS RESERVE FUND )??? 

I request the Bank Of Hawaii to forward to me ALL appraisals that were by law ( LEGALLY ) required prior to the foreclosed sale to ensure proper credit back to the debtor was not an issue. 

With Regard to the ALLEGED Deficiency amount of {$310000.00}, please disclose exactly how the Bank intends to apply this amount???? Please provide a full accounting of the intended applications. 

I request CFPB to ask Bank Of Hawaii to disclose the Name of the Banks FULL TIME in House Fully Compliant Attorney, inclusive, of the attorneys " up to date licensing & certifications ''. Additionally, was the Banks Loan Officer fully compliant at the time of issuance of the original mortgage committal. Please provide me with a copy of the Original Loan Commitment To Fund.

Please disclose who the Banks Full Time Compliance Officer Is and if the banks compliance officer is fully up to date on ALL current licences & certifications??

Please issue the ( Original Mortgage Document ), inclusive, of ALL Proper Disclosures.

Lastly, please disclose as to whether the Bank had any advance knowledge of any potential ( CONFLICTS OF INTEREST ) with regard to the buyer of my property at the time of the foreclosure???

Please respond ASAP to this -- - ongoing process.

Thank You.
Product: Debt collection

Please review my report. I noticed that the creditors is not cooperating with the request I need for inaccurate items on my credit.
Product: Mortgage

XXXX/XXXX/22. Was told that to get intrest rate low I would need to pay {$500.00} to lock the rate and that it would go towards closing cost. We had an unfortunate happening weekend of XX/XX/22 and spoke to Amerisave XXXX XXXX to return our money because we were unable to buy a house and as he stated the money would go towards closing. Since we were not going to have a closing, we want our money back. There were many texts and emails sent back and forth stating the above and we asked to speak to his supervisor and were given the customer service line which they said we would have to talk to his supervisor. He refused to give us the name or our money back.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all   XXXX   credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.
Product: Debt collection

I am a XXXX year old college student .Just recently I found out that I have an unpaid debt ( {$450.00} ) in my credit report from XX/XX/XXXX which I never knew about. Upon further investigation I found out about an unpaid medical bill my insurance company has refused to pay. Now, I have never received a single correspondence from the hospital nor from the collection agency.The only reason I found out about this debt now in XX/XX/XXXX is because I applied for credit card and was denied due to the above mentioned debt .I am devastated because I pay all my bills on time. I do n't have any credit card debt since I pay them fully at the end of each month. I feel my rights have been violated and neglected and I have been put in this situation unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called equifax numerous times and they have yet to remove these unauthorized inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Not only I have received a Notice of Data Breach telling me that there has been a cyber incident and my personal information has been affected but also I have not given consent to all other agencies who have pulled my personal information.