23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/year> I closed my PayPal account. In XX/XX/year> PayPal let XXXX charge my account for {$10.00}. for a service that I also canceled with my XXXX XXXX XXXX. In XX/XX/XXXX XXXX PayPal again try to let it charge go through and try to access my bank account with XXXX. They have refused for whatever reason to close my account when I close the XX/XX/year>. I sent an appeal asking them how come they're not closing my account. 
I feel this is some kind of fraud going on. 
I made sure I pulled my bank account number off of the PayPal site. This is unauthorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent accounts in my file. The accounts I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Here is the list of accounts that should be deleted from my Credit File as soon as possible : TRANSUNION : 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  Also, you have been continuing the reporting of these accounts without sending me copies of proof of verification, which is a clear violation of my consumer rights under the FCRA. If you can not prove that the disputed accounts are accurate, you should have removed these accounts immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 60 days 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  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 XXXX 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 XXXX
Product: Credit card or prepaid card

I applied for a credit card with discover under good faith having 2 income sources and being creditworthy based on the equal credit opportunity act and the fair credit reporting act, having sent letters to dispute fraudulent information reported on my credit history. Discover discriminated against me citing that a collection was the reason why yet, i am not responsible for the collection and have documentation proving so. They have ignored my requests.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX  Laws Dear AVANT, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and XXXX state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that AVANT has engaged in unauthorized reporting to my credit report, violating both federal law and the XXXX Identity Theft Statute under Section 530.5 of the XXXX Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, XXXX Civil Code Section 1785.25, part of the XXXX Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to AVANT to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and XXXX law.

I demand that AVANT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the XXXX Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting AVANT to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave Authorization to XXXX by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. 

I XXXX XXXX have contacted XXXX and Discover Card now for over an year to delete the following account and it has been refused to be deleted. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account. Discover was also notified. Im unable to apply for a Discover card due to this fraudulent account. 

XXXX XXXX XXXX XXXX  ( {$1700.00} ) XXXX XXXX XXXX, XXXX, XXXX XXXX Opening date : XX/XX/2019 This is not mine. I am a victim of ID Theft
Product: Mortgage

My monthly mortgage agreement was with XXXX XXXX XXXX who switched to Ever Bank. In XX/XX/XXXX I  payed my mortgage early which was actually due XX/XX/XXXX. It was inadvertently lost in the mail. 
A company named XXXX XXXX  sent me several default notices received : 2 notices on XX/XX/XXXX  again XX/XX/XXXX and again XX/XX/XXXX with Pre foreclosure instructions and forms included. 
There was no disclosure on the paperwork that they were acting on behalf of Ever Bank. 
This was so upsetting as I have never missed a payment. I called my checking account bank and they confirmed my payment was not cashed. I then called the phone number on the first notice which was on pink paper. Within a week I was bombarded with 4 XXXX letters in addition to multiple phone calls. 
Not one message on my cell made reference to the fact that they were associated with Ever Bank! It appeared to be a phishing scheme by not identifying themselves properly. 
This approach is so heavy handed that I decided to help others who may be subjected to this treatment. I realized what happened and paid one month over the phone giving them my personal checking AC info, my cell number, email and other personal info. I still am not convinced they are not phishing. It was so unprofessional. There was no earnest help to problem solve the missing payment. Now I'm left wondering how a business practice like this is affecting others. I had to XXXX your complaint page as I have never had to resort to this. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Sold a car that was paid by wire transfer... us bank wont release the funds although they are shown as available. The reason they claim is to protect me from fraud when there was no fraud. I have bills due and cant access my money. The funds have been posted for over a week! The branch manager cant tell me when I can have access to my money. This was a wire transfer from a verified buyer NOT a credit card ACH that can easily be reversed. The bank has no reason to do this. I do not need them to protect me from my mnoney! The funds have posted I should either be able to get my money or told when I can get the funds. They cant seem to tell me that and it is creating a hardship for me. Once they figure out there is no issue other than the one THEY created for me... I will be closing my US bank account! Additionally the buyer of the car has a car carrier comong to pick it up ... if the funds are locked ... I cant release the car. I get sued and in turn I have to sue US Bank. Additionally when I asked the branch manager for the district managers contact info she would not give it to me.
Product: Credit reporting or other personal consumer reports

I have encountered difficulties in managing my account due to unforeseen personal circumstances, which have affected my ability to keep up with payments. I hope to resolve this issue with the support of the CFPB and have the situation addressed fairly.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$330.00} XXXX/XXXX XXXX {$310.00}
Product: Checking or savings account

My account was closed with a balance of {$1900.00} but I only received a check of {$10.00} dated XX/XX/2023. The remaining {$1900.00} is yet to be sent. I have tried calling several times but no assistance has been issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security details have been stolen along with possibly other information. 
The way I found out was a hard inquiry on my credit was issued from XXXX. 
When I called XXXX, it appeared that they opened a credit card for this individual. It was cancelled straight away. 
I also received a call from XXXX XXXX for an attempted opening of a credit card. 
I would also like them to make sure they update my details to include my current address and other information. The individual I believe used my prior address and thus was able to open an account using an old address because it was n't updated with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Money transfer, virtual currency, or money service

Twice, XXXX  of dollars were removed from my savings account overnight. It happened once and they couldn't explain it and then turned around and did it again a few days later. This was money I inherited from my mother. I had to move what little I had left from their bank and I have never gotten an answer of it returned. It is truly a horrible bank!
Product: Mortgage

Ocwen has refused to transfer my call to a US based representative, time and time again. They place me on hold, get an off shore supervisor, place me on hold again and then hang up after 5 minutes. I can not conduct the important business on my account because they refuse to honor my request to speak to an US based personnel.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account was opened in XXXX and maintained since then. However, Carrington Mortgage is incorrectly reporting that my mortgage was included in my 2012 bankruptcy -- it was not. In fact, Carrington Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? 

This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. 

This incorrect, derogative information must be deleted from my XXXX Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. 

Thank you!!
Product: Debt collection

Attempted collection of {$80.00} for cable equipment that was returned to company
Product: Student loan

I have had Navient since they took over my XXXX XXXX loans a few years ago. They have pushed forbearance sand deferment on me and caused my repayment to double. I now owe over {$80000.00}. Also, they have reported me as delinquent to the credit report bereaus when they had told me I was in deferment status and they had never processed the paperwork I sent in to them. This caused me to also be denied loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on my Experian report. I made a payment of XXXX on XX/XX/2018 and a payment of XXXX on XX/XX/2018 which brought my account current. My due date is the XXXX of each month. On XX/XX/2018 XXXX XXXX XXXX reported me 60 days late but as of XX/XX/2018 my account was brought current with those two payments so why on XX/XX/2018 XXXX XXXX XXXX have reported me 60 days late. It should be showing current.
Product: Debt collection

Summoned to comply with demand in petition on XXXX XXXX XXXX in amount of {$6800.00} have 15 days to comply in XXXX Judicial District Court Parish of XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX I understand this violates 15 USC 1681b ( a ) ( 2 ). Both together and separately, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX and XXXX XXXX
Product: Debt collection

I received a call from XXXX from XXXX XXXX stating they were from Carrington Mortgage who handles my current mortgage. They stated that I was turned over to legal for unpaid escrows and I will lose my home if {$1000.00} was not paid directly to them by XX/XX/19. 
I called Carrington themselves and verified that this was not factual and turn in the information to them.

Carrington is researching at this time as well.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed hard inquiries that I did not make, nor did i give approval to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court the record indicates that you got your information from the courts. The courts dont release information you got your information from a third-party as results the bankruptcy needs to be removed from the credit report Friend accurate information you have 30 days to remove all these accounts at that time I will file lawsuits against all credit bureaus for having an accurate information As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unable to lift the security freeze and the website has high traffic and I can't see my dispute results. Please fix I'm getting error message while trying to lift security freeze
Product: Student loan

Applied online In late XXXX ( date? ) Denied loan due to an unknown credit issue on credit report ( Co-borrower ) Resolved credit issue XX/XX/XXXX Gave XXXX tax returns since XXXX was on extension Appealed for XXXX student loan on XX/XX/XXXX I was contacted to give them XXXX W-2 's on XX/XX/XXXX Sent them XXXX W-2 's on XX/XX/XXXX. 
I was contacted on XX/XX/XXXX (? ) saying W-2 was not in the right format ( as issued by IRS ). To send them original W-2. 
Sent them original XXXX W-2 on XX/XX/XXXX. 
I was contacted by email on XX/XX/XXXX, asking for new information : additional pay stub for XXXX ( I get paid monthly, so I had to wait until end of XXXX. Not sure why this was necessary ), record of tax extension, and additional letter from account holder for credit issue saying it was resolved ( sent hardcopy in original application/appeal? ). 
I did not see the email ( my fault, but I get a lot of spam ). They say I received a voicemail on my phone on the XXXX, which I did not receive ( no record on phone of call or voicemail ). 
They contacted my Daughter ( borrower ) to let me know the issue was open. 
I sent information on XX/XX/XXXX. 
I called on XX/XX/XXXX to see status. They say they did not receive email. I received return email from them on the XXXX, acknowledging ( automated ) receipt. 
They told me they would likely deny me the loan due to their policy of closing requests after 60 days. 
I have called them a few times in the process. They often don't know what I sent them and often asked me for items they already had. More of a sign of problems there, just annoying, but likely a sign of unnecessary delay.