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

I am contacting you to formally dispute the late payments that have been inaccurately reported on my credit report. Specifically, the following late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries are in violation of XXXX XXXX XXXX ( a ), which mandates the accuracy and fairness of credit reporting. XXXX XXXX XXXX XXXX XXXX XXXX I am protected under 15 USC 1681c-1 , which ensures that special protections are given XXXX XXXX XXXX XXXX XXXXXXXX, including the prevention of errors in credit reporting. 

I have attached documentation XXXX XXXX XXXX XXXX XXXX  during the time these late payments were reported. Therefore, these entries should not have appeared on my credit report, and I request immediate removal of these inaccuracies. 

Please investigate this matter and confirm the correction as soon as possible. 

Thank you for your time and attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXXXXXX GM FINANCIAL XXXXXXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$80.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX explaining I was a part of a breach I went online to view my credit and notice some fraudulent attempts to obtain credit. I have sent proper correspondence to Experian with no response from them this was not done by me, its consider fraud, I tried to place a police report but being that my information was breach due to the lack of security at XXXX and that the criminals did not get any of the approvals to obtain the credit there was no police report to file. I will like all the listed below inquires removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX AT 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 RENTAL PROPERTY XXXX XXXX XXXX XXXX RENTAL PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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
Product: Money transfer, virtual currency, or money service

PayPal sent me an email on X/X/18 that said they were sending me an " Annual Error Resolution '' notice and how to proceed with handling errors or unauthorized charges on my account. I have not used PayPal for money transfers recently, so this was an alarming email to get ; I interpreted this email to indicate there may be identity theft or someone was using my account without authorization. They included a link to their website ; I tried finding answers on their website but it was not easy to use. I called several times, and finally had the option of leaving my number for a callback. When my cell phone rang it said the call was from XXXX NE, but when I answered the phone I did not understand what the other person was saying, but she did indicate she was in the XXXX. I believe this is a highly misleading business practice, and I have only become more concerned knowing that someone on the other side of the globe has access to my account information. I want PayPal to immediately close any accounts I have with them, delete any and all of my information and never contact me again for any reason. They need to be much more clear and upfront about exactly why they are sending emails, and if they are going to do business with Americans they need to get some American customer service so we can have trust in exactly who we are talking to and why. I am suspicious if PayPal was hacked and ID thieves have access to sensitive information?
Product: Checking or savings account

We recently opened a Capital One Kids Savings account with a check for {$5000.00} from an inheritance to my XXXX XXXX XXXX daughter. Capital One cashed the check and placed it into the Kids Savings Account but has placed on hold on the account as well as another savings account that I have had with them for five years or so ( with a balance of {$100.00} ). I've called Capital One on 3 occasions, being placed on hold my long periods of time, and they will not release the money for either account. The are telling me that I must have the person that wrote the check, call Capital One or take a phone call from Capital One, so they can presumably decide if they are ever going to allow us to access this money. The check writer is in failing health and so far is unable to make a phone call. Capital One refuses to do any further investigation, such as calling XXXX, the bank that the check came from or take any other measures to conclude that the check is valid. The check was cashed and the funds taken from the XXXX account over one month ago and the check writer did not file any complaint with XXXX. There hasn't been any indication from XXXX that the XXXX check wasn't valid. There isn't basis or reason to suspect of doubt the authenticity or intent of the check writer. The check is vaild.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/1991 contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, Equifax and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a collection account opened at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( I DO NOT HAVE ACCESS TO THE ACC NUMBER ASSOCIATED WITH THIS ACCOUNT ) This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) notified me both about a late payment and foreclosure. I had a total of {$70.00} overdue for a month. This was the result of an escrow analysis that was performed in the first quarter of 2023 an emailed to me. The email likely went to spam as I did not receive either a letter or phone call. 
I called on XX/XX/XXXX as a result of a letter from XXXX stating home was to be foreclosed. I called them for an explanation and they informed me I was behind by {$70.00}. My payment had increased by {$70.00} in XXXX to be applied in XX/XX/2023 moving forward. CM also reported me late for the month of XXXX, even though I had paid {$1600.00} on XXXX. XXXX explained shortage was taken from escrow account and I paid and additional amount of {$140.00} on XX/XX/XXXX, to account for the shortage in XXXX and XXXX. 

This late report is impacting my ability to obtain credit. The {$70.00} were taken out of escrow for the month of XXXX and I made an extra payment in XXXX to cover that. XXXX, please explain why I am being reported late. I have never had issues with any other mortgage service providers ; XXXX continues to conduct themselves egregiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disagree with the reply since my request to have a copy of the transcript of the telephone conversation on XX/XX/2018 regarding the settlement that they have reviewed was not furnished. Last response i got is that my complaint was duplicate, this is a followup complain since my request for the call was not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX  an email was received : " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. '' Background is : On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting confirmation from Experian that they will not be willing participants in the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX Experian responded to complaint XXXX please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review. To escape responsibility Experian closed complaint XXXX. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : AS the Experian XXXX 30 day results summary, promised before XX/XX/XXXX, has not been received please provide in response to this complaint. On XX/XX/XXXX Experian responded to complaint XXXX : They ( XXXX XXXX  ) responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account. The result summary was sent to you for review on XX/XX/XXXX. Experian knowing the true facts contradicted its response again manipulated subversion of the true facts as reported by XXXX XXXX  XX/XX/XXXX and closed XXXX. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Experian 's XX/XX/XXXX response to CFPB XXXX disingenuously asserted : " ... The result summary was sent to you for review on XX/XX/XXXX ... '' This represents the 3rd request for the XX/XX/XXXX alleged " sent '' result summary which presents as never having been sent by Experian as they persist in avoiding my receipt and read of the XX/XX/XXXX summary result report. On XX/XX/XXXX CFPB knowingly cooperated with XXXX fraud ( contradicting true facts as reported by XXXX XXXX XX/XX/XXXX ) ; further suppressing XXXX refusal to provide its XX/XX/XXXX result summary and closed XXXX. You asked : What would be a fair resolution to this issue? My response was : If this is not intentional malfeasance, please respond with the alleged XX/XX/XXXX result summary that has NEVER been mail, or otherwise received by me.
Product: Payday loan, title loan, personal loan, or advance loan

Applied for a line of buisness credit/loan and was denied due to information on consumer report. As of XX/XX/year> President Trump passed legislation that " No longer can anyone be denied credit based on credit score, history, or income. Any denial violates XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

Portfolio recovery associates has not answered a debt validation verification letter i submitted a month ago. Portfolio recovery associates refuses to remove a debt that is not mine and is a time barred debt according to the statue of limitations.
Product: Money transfer, virtual currency, or money service

I am having issues depositing money from XXXX XXXX an online tutoring website because my pay pal has limited my account without any issue or me having any violation of the policy. PayPal only indicated that there is a potential risk involve with my account without specifically stating which risk it is. I have tried contacting PayPal in vain and that is the reason I am contacting you regarding the issue. Please raise a complain with Pay pal to remove limitation with my PayPal account so that I continue receiving payments from XXXX XXXX. My PayPal email address is XXXX.
Product: Vehicle loan or lease

Account XXXX was paid in full & closed but shows potential negative due to two late payments. I have sent out good will letter but I think this company is now out of business. Can you remove the late payments since the account is paid in full & closed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to : 15 U.S.C 1681 section 602 A. State I 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX
Product: Credit card

Over 10 years ago XXXX XXXX was a Victim of Predatory Lending by Bank of America. In XXXX I opened a Secured Credit Card through Bank of America and after the XXXX year of successfully paying off what I spent, Bank of America Automatically turned my Secured Card into a Regular Credit Card and Raised the Credit Limit Excessively, based on my Income. I Never received a notice asking me if I wanted to raise the credit limit as I was Only Working Part-Time at XXXX in XXXX, Oklahoma. 

I went from a {$400.00} Secured Card to BOA Automatically Changing it to a regular credit card and exceeded the credit card limit to {$2000.00}. This was Predatory because I was XXXX years young and had a Part-Time Job at XXXX not working XXXX XXXX a week and they automatically increased my spending limit without the Income to Cover It. 

It is Now XXXX and this is Still on my credit, and we sent Bank of America a letter back in XXXX to Dispute this on this credit score system. I had No Income that warranted the Excessive Increase in the Amount from {$400.00} Secured to {$2000.00} Unsecured. We Demand for this to be removed from the Credit History of XXXX XXXX due to this being predatory and given without the proper Income that this system makes sure it does Not do to turn us down, but they did it to ruin his credit by dangling {$2000.00} over the head of a kid with Absolutely No Financial Education. He did Not give consent and was Never informed, asked if that was okay or doable for him to pay, they just gave it to him, and it has been following him this entire time to have him denied on Everything. This have to be no more!!!
Product: Student loan

I received a letter from MOHELA, my student loan provider and servicer, about interest accrual during the loans I had placed into forbearance under the litigation of the SAVE repayment plan. I was told that accrual would NOT be happening under this forbearance.
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Product: Credit reporting

The company said they would remove the negative credit information from my report and it never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have XXXX XXXX Account ( {$28000.00} ) account number XXXX, and there is two listings on the Equifax report. 
May we please have the second one ( {$28000.00} ) account number XXXX removed as it is does n't exist or it is a duplicate We only have one account with XXXX from XXXX XXXX XXXX/XXXX. 

XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} XX/XX/XXXX PAYS AS AGREED - Co-maker BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax XX/XX/XXXX ____________________________________________________________________ ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} 09/2017 PAYS AS AGREED - Joint Account COMMENTS FIXED RATE BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax 09/2017
Product: Student loan

Forbearance and deferment need to be added to the PSLF waiver. So much information I received was incorrect. I was working full time while in XXXX XXXX, and was never told that when they automatically put the accumulating loan in forbearance I would lose years toward PSLF. I could have made payments during this time if I hadn't been steered in the wrong direction. I would be at the 10 year/120 payment mark by now if Fedloan had given me the correct information. This system is broken, and it's breaking me.
Product: Credit card or prepaid card

XX/XX/2023 - XXXX  XXXX XXXX XXXX XXXX On XX/XX/2023 I had cashed out to get some gas and another item. I go to use the card and it was declined. I tried to use the card again and it was declined a second time. both times at the cashier not at the pump. I called customer service to find out why my card was declined. Customer service blamed XXXX XXXX and the XXXX XXXX blamed the card company. After a very long wait I was told everything was worked out. I logged in to check my balance to finally continue with my purchase and there was a charge - & XXXX which did not make sense because the purchase should have been around XXXX that I did not receive items for. At this point I called customer service again. This time I was told there is nothing they can do and the money will be refunded to my account in 24 hours. This card company basically stole my money and have yet to receive my money back. Very strange the amount stolen from me is a higher amount than what the decline purchase would have been.