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

XXXX recently reported my student loan account as 90 days late to XXXX, and other XXXX bureaus. However, I was never properly notified about the delinquency. All XXXX communication went to my spam folder, and I was unaware of the missed payments until I reviewed my credit report. 

As soon as I realized the situation, I immediately paid my account in full to bring it current. I contacted XXXX directly to request a XXXX XXXX, but I was told they are unable to remove the late mark. 

Given my history of responsible payments and the fact that I was never properly notified, I am requesting that the XXXX late payment be removed from my credit report. I kindly ask CFPB to investigate this matter, as this reporting has drastically affected my credit score and does not reflect my overall creditworthiness. 

Thank you for your time and assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

I am a freelancer and I created a PayPal account so I could receive direct deposits from XXXX. I also have sub-contractors that I used to pay directly through PayPal using those funds I have earned from XXXX. This has worked for a few weeks, until PayPal asked me for " verification ''. I had uploaded the necessary documents, ID 's, proof of address, and explanations of transactions. Shortly after PayPal permanently disabled my account, and told me that I am unable to withdraw my finds for 180 days. 

Holding my direct deposit funds for 180 days is theft. I have bills that need to be paid now and I RELY on this income. PayPal 's reasoning is that " we have to hold these funds in case they are disputed ''. This is absolute nonsense because these funds are DEPOSITS I HAVE EARNED BY LEGALLY WORKING. I understand if I was selling products or other goods, but that is not the case. There is a 0 % chance that XXXX will dispute the payments they have made to me. Since they have released my payments, it's because I have completed my job satisfactory and deserved to be paid out. Period. XXXX is my EMPLOYER, once I get paid they CAN'T ask for it back. 

PayPal has not provided a reason for why my account was disabled, except that it is permanent and will not be reconsidered. It is not my fault someone did their job wrong at PayPal and mistakenly flagged my account. I should not be the one to suffer the consequences because I have provided more than adequate information to confirm my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  4 . XXXX XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX 8.  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX, XXXX MA XXXX Account # XXXX I am writing to inform you that I do not owe this alleged debt on my credit report. I am refusing to pay this debt listed by the Debt Collector Agency. 

I demand proof of this debt. I am demanding for all three bureaus XXXX, XXXX and TransUnion to remove these defamatory remarks and comments from my credit report. This is a defamation of character.
Product: Debt collection

This terrible collection agency Midland Credit MGMT INC and XXXX have collectively scammed me out of {$200.00} dollars and put a blemish on my credit report by creating an early termination fee for a service I never received. Back in XXXX if my memory serves me correctly I had a wireless internet card through XXXX. To make a long story short, this card worked the XXXX week I had it then it stopped working, however, I had already paid the monthly fee payment of {$60.00}. In XXXX of that year I took my computer and wireless card into the XXXX store on XXXX separate occasions within the XXXX month in which had card and the associates there could never could get this problem resolved. Fast forward to the end of the month I got a XXXX bill for a clearly useless wireless service which now wanted payment for the XXXX month of the initial payment plan. I refused to pay and instructed them to cancel my service on the XXXX day of my service but I was convinced by the rep to give them XXXX more chance. I was told that if they could n't fix the wireless card, I would receive credit to my account which would cover the monthly fee of sixty dollars that I had just paid. Like an idiot I kept the service however unbeknownst to me if I had canceled that day, I would avoided having been locked into a contract which, according to the rep, had an early termination clause. As I stated earlier, the XXXX rep made promises to me that they 'd get the wireless card to work with my new laptop and if not my account would be credited ( the rep stated he would notate my account ). 
XXXX weeks later, they still could not get the card working so I canceled my service and asked them to refund me my money. The rep on the phone said he had no notes of the credit and stated that I have to pay an early termination fee, I refused and explained this ongoing saga. So, in XXXX they sold the so called debt to Midland Credit MGMT and of course they contacted me and once again I had to explain my position to them yet they refused to see my perspective and just wanted the money. I refused this unjust payment for XXXX years but I finally paid the sum of {$80.00} in XXXX because I wanted to move forward and get my credit completely clear. Since I have paid this collection, I have called Midland service still arguing the invalidity of this collection. These people have no honor or spirit of fairness in my eyes and have therefore cheated me out of a total of {$200.00} dollars and my credit remains blemished. I never told about right to dispute by Midland agency it only after XXXX when started researching consumers that I found that had right dispute within first XXXX days collection agency. But be clear everything I did receive call from that collection agency I tell that I do not owe them money given circumstances of debt after who should have pay service never received? I am again trying with XXXX credit bureaus but not holding my breathe. The too seem to support collection agencies broadly no matter circumstances of which receive collection it money making business and consumers that actually have reason to fight collections in some cases still remain voiceless.
Product: Mortgage

I applied for a mortgage loan with Green Light Loans on a Re-Finance, after many weeks I was turned down because I had a late payment. I canceled the loan process. A few days later Green Light Loans re-initiated the loan process stating I only had to show {$10000.00} in liquid assets which I did through savings statements and a XXXX XXXX plan. I presumed in doing this that the initial late payment was waived as they reactivated the loan process. 
I then after a week received an email stating that they had tried diligently to get underwriting to approve the loan. It was underwritting request that we show liquid assets to finalize the loan? " deception '' .... 
so we were denied.. this company should not be making loan transactions.
Product: Debt collection

I was charged for a Moneylion membership fee and loan payment in XX/XX/2019. I notified my bank that this was fraudulent charges as I'd never heard of this company or applied for a loan. My bank issued me a new debit card and canceled the payments ro this company. This account is still listed on my credit report and is hurting my credit score. I have never requested or received funds from this company. I called the company Moneylion and XXXX, who I spoke with, asked for all my personal info. I gave her the info I felt was pertinent and she stated a fraud claim would be filed. She said their fraud department would contact me via email to complete investigation. No email has been received. I have worked very hard to maintain a 100 % payment history and this company is ruining this and my score.
Product: Credit card or prepaid card

Comenity, requests for assistance were made since XXXX  year til now with no resolutions whatsoever then, you got took over by another company. Now the concerns seems lost as to which credit card company is responsible. You delayed assisting by seeking for details to the charges, in order to assist. When that was provided you then seek for their service contract, more in order to assist or investigate into it. Which is it? Now Comenity has been taken over by this other company. I spoke to your worker XXXX  in XXXX to close Comenity accts XXXX, which were also already requested in the previous mentions to CFPB, which were not addressed. Prior to that other companys takeover. When requested to close it, XXXX explained that Comenity is now unable to close it? Comenity ruined it, again. XXXX  mentioned to not close this, when contacted Comenity in XXXX so, Comenity may better assist with the concerns but still now it has not resolved the matter of many years ago delayed. Also, in the most contact to CFPB, i mentioned that XXXX does not respond to any of the requests for their contract so, unable to get a contract that you desired. Conmenity should contact them for their contract that you seek for Coverages XXXX from XXXX  year. Also, few minutes ago contacted Comenity, your telephone hung the calls many times, I asked your worker XXXX to connect me to a manager, the call got hung again. XXXX mentioned to write to Disputes dept, unwilling to connect me to that dept? Conmenity should contact XXXX  for whatever contract that you desire so, you may in order to resolve the matter that you delayed ; as what were provided are not enough for Comenity in order to resolve this or you are going to desire other stuff so to not return the funds? Like your first request for details then, coverages then, still no resolving the matter. Coverages # XXXX date XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Last year I had transactions that went through that were not approved by me. I tried to contact someone from Cash App, but I was at no success in my attempt.
Product: Mortgage

My loan has been with Ocwen for the past two years. My original loan amount was {$39000.00}. It has been 30 years and I owe {$54000.00}. My interest rate is 11.7 %. My loan has been bought out from four different companies. I am sure that it should have been paid by now. I think this was a predatory loan.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
Product: Checking or savings account

Capital one has denied my claim, even though the merchant has taken almost XXXX days to respond to the claim, I sent capital one the merchant policies from their very own website to account for my situation. The airline I disputed had left early, which goes against their policies, leaving me and my friend to rebook and pay extra fees. Ive tried to reach a consensus with the merchant and have failed to get in contact with them just like capital one has tried multiple times for the past XXXX months. I disputed it XX/XX/XXXX and Capital One has made a decision XX/XX/XXXX. This goes to show that the merchant is not serious and disingenuous with their service and communication. The ruling was a terrible part.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report this morning, I noticed the presence of inaccurate accounts, and I dont understand why they appeared. I routinely monitor my report, but this time, I found discrepancies that werent there before. I refreshed my browser, hoping it was a minor issue, but the inaccuracies remained. Due to this, I am requesting a detailed review of the documents I have submitted to put my mind at ease.
Product: Debt collection

On or around XXXX of XXXX, I began receiving calls from someone claiming to be a process server representing Spotloan. The individual stated I had taken out a loan with Spotloan, the loan was in default, and I would be served papers outlining a court action against me. I first advised I hadn't taken any loans out with this company ( nor any other ). Further, the process server refused to provide any information I requested including the type of debt, the alleged amount, dates, etc. Following this troubling call, I contacted the alleged originator, Spotloan and spoke with XXXX XXXX, Credit Service Manager ( XXXX XXXX ). I explained I had not taken out any online loans let alone one with Spotloan. I advised they identify the bank the funds were direct deposited to. XXXX put me on hold while she dug further. When she returned, she advised that the individual who received the funds was, in fact, not me but rather a person named XXXX. She stated she'd mail a letter to me ( see attached fraud inv. attachment ) confirming the loan was not taken out by me and that I was, in fact, a victim of identity theft. Further, XXXX indicated the matter was closed and I would no longer be contacted by Spotloan or any of its affiliates. What's more, I was told this alleged debt would not be sold. 

In XXXX of XXXX, I received a letter from a company called XXXX XXXX XXXX, XXXX, instructing me to contact XXXX XXXX XXXX XXXX XXXX Vice President of Client Services ( XXXX ) to resolve. I made contact Mr. XXXX and advised this loan was not taken out by me. I reached back out to Spotloan and spoke to XXXX S. ( XXXX ) who contacted the debt purchaser ( XXXX XXXXXXXX XXXX ). They confirmed that my account had been closed ( see debt_solutions attachment ). Even though I was promised that this fraudulent activity would not be reported to the agencies, this alleged default was indeed reported not once by XXXX XXXX XXXX, but three times. Even though this was a debt I contested, I received a letter from BlueChip Financial ( dba Spotloan ) stating the debt, ( of which I never incurred ) was forgiven due to a class action settlement in Turner vs, ZestFinance, Inc. ( cs. no. 3:19-cv-293 ). Receipt of this letter further upset me as it suggests the debt was valid yet forgiven. Spotloan sent two 1099-C forms ( attached ) : the original reflecting an actual amount I was never responsible for to begin with and a corrected form reflecting {$0.00} of debt discharged. 

Today, XX/XX/XXXX, I received an offer to settle the debt from a company identified as XXXX XXXX XXXX ( see halsted attachment ). I reached out to this company to inform them that this, as explained to the other collectors, was fraudulent and requested they send a letter reversing this action as it was proven through an investigation by Spotloan to be just that, fraudulent. Knowing the behavior of these organizations, I'm now reaching out to you to address this most egregious action by multiple collectors.
Product: Checking or savings account

I had written a personal check for XXXX dollars and the bank debited my account XXXX dollars causing my account to be overdrawn. They are saying they can't return my money for 1-5 business days which is unacceptable to me. My XXXX XXXX is elevated, I have to pay my rent and other bills. Since it was their error and not mine, you would think they could expedite this, but I was told they couldn't. Bank of America is holding my money that I need and will make interest on it while I'm just left with, that's the best they can do. The rich would have this solved in minutes, but us poor who need their money are left to suffer.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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!
Product: Consumer Loan

I have repeatedly disputed this with both Wells Fargo Dealer Services and the credit bureaus. A late payment is on my credit report in XXXX XXXX. The initial problem with this payment was mine as my bill payment was not made as set up on my bank account. 
However, the payment was NOT 30 days past due. The due date was XXXX/XXXX/XXXX and the payment and an authorization was submitted by WFDS to my credit union on XXXX/XXXX/XXXX. I was told it would post on XXXX/XXXX/XXXX and they posted it on XXXX/XXXX/XXXX. This caused the payment to exceed 30 days past due. Multiple disputes have had no results. As a result, the loan was paid off in XXXX XXXX and refinanced with another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT  XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX  Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 16921 ADMXXXX XXXX  XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

16. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.

17.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.