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

XX/XX/XXXX, My credit report stated I had an collection from ( XXXX XXXX ACCOUNT # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX & XXXX and reported " Meets FCRA requirements '' on a separate account. ( violations : balance on account charged off, proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX XX/XX/XXXX. Debtor removed collection account from XXXX only. Debt collector reported " I requested to be removed on all bureau. Debtor failed Request. Debtor reported " Meets FCRA requirements '' ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. ) violations : balance on account charged off, proof of debt with wet signature, payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) XX/XX/XXXX, I Disputed this collection with twice XXXX  and XXXX. 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX. and reported " Meets FCRA requirements '' On XXXX  as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) I Disputed this collection with three times XXXX and XXXX. 

XX/XX/XXXX, Debtor has not responded to my request or updated my account. This Debtor and XXXX 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately I DEMAND THIS ACCOUNT BE REMOVE ENTIRELY FROM MY CREDIT REPORT. THIS DEBTOR REPORTED THE COLLECTION multiple TIMES ON MY ACCOUNT. TWO ACCOUNTS ON MY CREDIT REPORT HAS THE SAME ACCOUNT NUMBER AND OPEN BALANCE. DO NOT UPDATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial Services is reporting a repossession in my credit report that was redeemed the same day and happened over 7 years ago. The company is stating they are unable to remove this negative information my credit report. The company is also reporting there was a 60 day late payment in XX/XX/2017 and the company has since verified the payment was 52 days late and refuse to update the credit report. 

The company refuse to correct and update my credit report despite numerous attempts to get this issue resolved. I have included a copy of the email from Prestige Financial Services stating the payment was 52 days late in XX/XX/2017. This is unfortunately happened due to a layoff and the company socks it to me again with reporting inaccurate information and allowed to get away with it. Prestige Financial Services should do the right thing but yet here we are again.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Blocked Account with XXXX XXXX  Dear Consumer Financial Protection Bureau, I am filing this complaint against PayPal, as they have unjustly blocked my personal account, which contains an active loan.

Details of the Issue : My account was blocked on XX/XX/year>, without prior notice or a clear explanation.

I currently have an active loan on this account, and due to the blockage, I am unable to make payments or access my financial records.

I have attempted to contact [ ] multiple times, but I have not received a satisfactory response or resolution.

Desired Resolution : I request the immediate unblocking of my account. Additionally, I would like guidance on how I can continue managing my loan to avoid penalties or negative impacts on my credit score.

I have attached any relevant documents, including proof of account ownership, loan statements, and any communication with the company.

Thank you for your time and assistance.

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

I have been working with XXXX XXXX company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XX/XX/XXXX- XX/XX/XXXX I  was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XX/XX/XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on XX/XX/XXXX which was suppose to post on account by XX/XX/XXXX (  which it has not ) and will begin making monthly payment on my behalf XX/XX/XXXX ; my issue with XXXX XXXX is that in XX/XX/XXXX-XX/XX/XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XX/XX/XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXXk. Payments were made on-time per arrangement XX/XX/XXXX-XX/XX/XXXX. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting incorrect information on my credit report. I filed a dispute with all three credit bureau, and they updated the information to another incorrect date. They first reported that I was late in XXXX of XXXX, I disputed this report with all three credit bureaus, showing that I have an in school deferment. Rather than accepting that they made a mistake, they updated the report to say that I was 90 days late in XX/XX/XXXX. During this time, I was in a COVID/hardship deferment, so there is no way I can be late. I need Navient to stop this shady business practice can correct my credit report. Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$660.00} {$1700.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$1700.00} Monthly payment - Late payments XX/XX/XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$270.00} {$650.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount $ XXXX  Monthly payment - Late payments XX/XX/XXXX This has caused my family and I a great deal of stress. I am asking for your assistance. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX, Experian and XXXX buy phone and by mail more then three times, informing them they are reporting information that do not belong to me. The accounts listed using different names, different social Security numbers, different addresses. They have not taken the proper measures to correct the mixup.
Product: Credit reporting or other personal consumer reports

XXXX is showing up on my credit and it should not be why because I never got to use it my XXXX  closed down and I didn't complete the class and training and never XXXX  this matter I've been fighting 11 years and it still on my credit which is harmful to me in every way I've tried speaking to them and no one will take the time to acknowledge me and why there concerns are me paying for it but I should not have to pay for something that I never used help please oh the school was XXXX XXXX XXXX XXXX in XXXX Florida. I read the article online about it it says it's a private but it says XXXX  I don't understand
Product: Debt collection

Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you. 
You must provide the following alleged information to me within thirty ( 30 ) days from your receipt of this letter. 
* Creditor 's Name and Full AddressName of Debtor of Record * Full Account NumberAmount of Debt * Due Date of Debt * Original Charge Off or Delinquency Date * Explanation of how the Debt was calculated * Evidence that the Debt is within State 's applicable Statute of Limitation * Name of Collection Agency or Owner of Debt, if applicableAmount Paid if Debt was Purchased Completed and Executed Agreement, including Signature Pages, for the Debt
Product: Credit reporting or other personal consumer reports

There are several charge-off accounts listed on my credit reports that do not belong to me. I have been trying to get the credit bureaus to properly investigate these accounts and remove them from my reports but I have gotten no response. The accounts in question are listed on my FTC report. There is also an account XXXX  Account Number : XXXX That is also reporting on my report that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. I reach out to EXPERIAN If you would please be so kind as to delete this inaccurate information from my credit profile, I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federal trade commission.and also have enclosed copies of the ftc identity theft affidavit please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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

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. 



XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States | 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: Debt collection

XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. CAINE & WEINER COMPANY INC XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am XXXX XXXX XXXX XXXX XXXX XXXX, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with KOHLS/CAPONE was never late! I have had exceptional payment history witH capital one 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 those account 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.

KOHLS/CAPONE 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: Money transfer, virtual currency, or money service

DEPOSITED TWO CHECKS FROM MY BROTHER WITH THE BMO APP ON XX/XX/XXXX XXXX CHECK FOR {$65000.00} AND THE SECOND FOR {$75000.00} THE FUNDS WERE TO BE USED FOR BUSINESS PURCHASE, OPERATIONS, AND INVESTMENTS BMO CLEARED THE CHECKS AND FROZE THE ACCOUNT WITHOUT NOTIFICATION, AND HAVE NOT GIVEN A DATE THAT THE FUNDS WILL BE AVAILABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I pulled my free annual credit report,  after going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX XXXX opened XX/XX/XXXX with charges of {$16000.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}, XXXX XXXX opened XX/XX/XXXX with the charges of {$1500.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$4000.00}, XXXX opened XX/XX/XXXX with charges of {$6000.00}. I have filed a complaint with the FTC please see attached complaint report.
Product: Credit card or prepaid card

Received letter lowering my credit limit and affecting my credit score.
Product: Mortgage

I was told I was behind on my escrow account and taxes. My home insurance was cancelled without my knowledge, however, I received a letter Saying they cancel it due to default. I called my mortgage company ( rocket mortgage ) to see if I can keep my mortgage rate the same and I was told by XXXX, a representative there that I would have to pay XXXX. Dollars. I paid this and my mortgage bill which was XXXX. However, a couple of days ago I am sent a email saying my mortgage is XXXX, I wrote to this company before and didn't receive any help last month, it was about 2000 rocket mortgage trying to make me pay every month. Why did I pay XXXX to keep the payment down. But it still with up. I am charged almost XXXX for home insurance by rocket mortgage, but I had insurance through XXXX XXXX that was canceled through their neglect, once my home was burned down. This is unethical because, every year they try to find a way to rise my mortgage payments. I am A XXXX percent XXXX veteran that doesn't suppose to be paying taxes. And my Escrow account is not being properly used.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL LATE PAYMENTS FROM ACCOUNT : XXXX Account number XXXX PLEASE UPDATE THIS ACCOUNT TO : Paid, Closed/Never late. I WAS NEVER LATE ON THIS ACCOUNT, AFTER SPEAKING WITH THIS COMPANY THEY ASSURED ME OF THIS, YOU WERE CONTACTED ON THIS MATTER AND SHOULD HAVE UPDATED THIS ACCOUNT TO " Paid, Closed/Never late. '' WITH NO LATE PAYMENTS REPORTING. SO HOW IS EQUIFAX STILL VERIFYING THESE LATE PAYMENTS IF THE COMPANY HAS NO KNOWLEDGE OF THIS AND HAS CONTACTED THEM OVER 30 DAYS AGO? PLEASE FIX THIS ISSUE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

For well over the last three to four years, every since I found out that I was a victim of Identity theft. I have been sending dispute letters to all XXXX XXXX XXXX Requesting by law that they supply me with information, even a signature showing I authorized this credit card in my name, which I never did. This blemish has been sitting on my credit reports for years. I never had a credit from this company. This account is hurting my name, my future on obtaining a home loan, it's continuing to hurt my credit on a daily basis. I have attacked this credit card company in every way I know how. I have even sent letters in to the Federal Trade Commission, which referred me to you here at CFPB. XXXX XXXX XXXXXXXX has an account under my name, acct # XXXX, CARD ENDING XXXX, BAL. of {$230.00}. I sent a debt validation request letter, which they cant provide me any information of my personal information to me. I have a fraud protection added to my credit profiles. I have police reports of identity theft, which was sent in to all three credit reporting agencies. I demand this account removed my my credit reports. I will even try to take legal action in courts to have this matter handled. This debt is not my debt, Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}
Product: Money transfer, virtual currency, or money service

Venmo notified me of fraudulent attempt to open a credit card in my name. I called to resolve this and they refuse to cancel my account without me sending a picture of my photo ID. As my identity has already been compromised by this company and my social security number has already been used in the credit card application I will not send this photo and risk further damage to my identity. They refuse to cancel my account without it.