23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Paypal closed my account XXXX over a week ago after requesting verification docs that I have submitted many times before and successfully verified me. Submitted the same docs again. They canceled my transfers to checking and closed my account. With funds of XXXX $ in at the time. Now a total of {$720.00} in my account. They claim it could be 120 days. I have called emailed and chatted They say the system will review and they can not release funds. They refuse to give me my money. I was put in a state of emergency due to this. They legally can not hold over 10-21 days business wise if closing. I have no pending disputes or anything. Now I can not make my house payement. All of my funds were in paypal. I have called, emailed, chatted, and been given no help whatsoever. And, I was even verbally harassed demographically and offensive language used towards me by employees. I have a XXXX XXXX XXXXXXXX and can not get my XXXX XXXX XXXX XXXX XXXX XXXX XXXX in paypal. I have children whom need the money too to eat. They will not review and release any of my funds and paypal has acted illegally. I am happy to provide all proof of their actions. I just want my money and need my money as it caused my family and myself an emergency state when I was compliant with identity request initially and submitted all this same as any time they ask for withdrawals again and again. They do not act legally, and they are holding my money illegally. I wish to pursue legal action if my funds are not released for withdrawal immediately. I never received any user agreement or anything as well or signed anything so their holding and time holding is not legal for them to do and I have read on many cases where they hold or take our money if they close an account. We can not go 120 days without these funds let alone any longer.
Product: Credit reporting or other personal consumer reports

My account with ( 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 ( 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. 


( 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

I have a checking account with XXXX XXXX, and they use XXXX as an option for us to check our credit score and changes on our reports. 

On XX/XX/XXXX I received 2 alerts on my credit wise that my SSN was associated with an address and name that Im completely unaware of. 

The report made to XXXX it says was on XX/XX/2023, both of them, but I received the alert on XX/XX/2023. 

Kindly advice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked my mortgage company to report my perfect payment history since Ive had this loan XXXX XXXX  ) when it was transferred/boughten by this current company all reporting ceased. Ive never Missed a payment or been late. Im the primary on the loan, however my ex husband is getting all the perfect payments history reported on his report monthly, which is fine ( we are both on the loan ) however I should most certainly be getting the reports of perfect payments since Im The one making them and I own the home.

The last communication with mortgage lender was today and I did as they asked, pulled my 3 bureau report and they are nowhere on that report.

I Just keep getting the runaround with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXXXXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$280.00} XXXX XXXXXXXX {$1800.00} XXXX XXXX   XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX asked to certify using metro 2 not done asked the company to certify using metro 2 and they did not do it
Product: Credit card

Dispute Amount : {$36.00} Merchant : XXXX  Dispute reason : Rental car agency can't provide rental car after successful booking ( Prepaid ) through XXXX. Rental car agency didn't provide any refunds or any kind of communication about the situation. I reached out to XXXX, but never receive refunds either. 

Problem with the dispute process : proof of cancellation is unnecessary in this case, the deny letter demonstrated the dispute processer never really look into the dispute.
Product: Credit reporting, credit repair services, 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.

These Accounts below are reporting late payments and that is inaccurate and that also is a violation. Late payments are illegal 15 USC 1666B States Timing of payments. 
XXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$420.00} 2 Late Payments inaccurate please remove. illigel report. 
Violation XXXX. XXXX XXXX Opened : XX/XX/XXXX Account # XXXX  {$8000.00} Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation XXXX XXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 15 U.S. Code 1605 - Determination of XXXX XXXX. XXXX XXXX XX/XX/XXXX Account # XXXX Unauthorized account/ I have no knowledge of this account. Please remove it from the credit report. 
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 an account without my written instructions. 
Violation XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Please remove this immediately USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX  opened XX/XX/XXXX {$3800.00} Opened XX/XX/XXXX {$2000.00} Account # XXXX 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 an account without my written instructions.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX XXXX XXXXXXXX Duplicate account ( Double jeopardy ) Account # XXXX Opened XX/XX/XXXX {$1700.00} 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 an account without my written instructions.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation
Product: Credit reporting or other personal consumer reports

it is my belief that my information was used in an identity thief from my ex landlord when i was doing repairs on the house and his sister that was getting rent from me but was not reporting it to the Michigan department of human services. i informed them that i was going to expose the matter. i was removed from the home years ago and unfortunately some of my mail continued to be sent to that address. i reported the use of my information to XXXX that has reported this item on my credit report which is hurting my credit score as we speak. my id number with the ftc XXXX doing the Covid 19 relief funds they tried to get me to fill out forms to submit for non payment but i had receipts that i paid rent. most of the family has moved out of town or deceased. also this not being my loan i did in fact submit repayment because it coming in my name. Section 22750. ( a ) states if any amount other than, or in excess of, the charges permitted by this division is willfully charged, contracted for, or received, the contract of the loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction. ( b ) if any provision of this division is willfully violated in the making or collection of a loan, whether by license or by an unlicensed person subject to this division, the contract of loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction ( Amended by Stats 2013, ch 467, sec3.. ( SB 318 ) Effective XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity of two collections accounts listed on my credit report, which were reported by XXXX  XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each of the three credit reporting bureaus are allowing written off accounts to be reported as delinquent each month when it is my understanding that as these accounts have been written off, the creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden, as such I do not think this is acceptable practice to allow negative monthly reporting on my consumer credit reports. I have made attempts to contact creditors who were unwilling to disclose account details and/or unable to arrange for payment on the debts, referring me to their legal counsel.
Product: Checking or savings account

Bank keeps holding my deposits and charging me overdraft fees due to the fact that bank account goes overdraft because they are holding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint to CFPB in reference of inaccurate information on my credit report. I have spoken to Equfax on numerous occasion and was infomred that the issue has been resolved and investigated. If this was the case then the information would have been corrected. The following accounts are still inaccurate and is having an advserse effect on my credit. Accoridng to U.S.C. Sec 1681i ( a ) this is an infracation of the Law. The folling accounts are inaccurate and this proof was also provided to Equifax and was properly repported in XXXX. XXXX XXXX XXXX # # # # # # # # # # # # # XXXX, XXXX XXXX # # # # # # XXXX which is accuatley on my credit report 2 times for the same account having an adverse effect. as well as XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened XX/XX/XXXX. At the time my credit was checked and I was approved for the department store card. 

In XX/XX/XXXX, upon closer examination of my statement, I noticed my credit line had decreased. I had received no notification of any issue. My account is in excellent standing. I phoned the provider and they stated they had no idea why my credit line had decreased and they reinstated my original credit line. 

Yesterday, while looking at my account, I noticed, yet again that my credit line had decreased. Again, no notice, no call ; no idea why. Account had a XXXX balance and excellent standing. 

I phoned the account holder today after not getting an explanation from an email the yesterday. According to the " Account Manager '' that I spoke with - XXXX has the right to periodically check my credit score from all three reporting agencies ( XXXX ; XXXX and XXXX ) and apparently are also getting credit updates on a regular basis from all three credit reporting bureaus when ever something changes on my credit report!! I never gave any permission for any company to constantly monitor my credit..and I know this is not legal. She stated that they had sent a letter on the XX/XX/XXXX. I have received nothing. She also stated they mailed letters back in XXXX ( however when I checked in XXXX the Customer Service Rep I spoke with at the time told me she didn't see any letters going out ) when I brought up this had happened before, and I had never received any letter. I asked that the letter be e-mailed to me along with any documents that they state " allow '' them to monitor and get updates on my credit. She stated that she can not e-mail them and that she needs to mail them. She would not give me any reason why this has occured. 

I never gave XXXX ( XXXX XXXX ) permission to " monitor '' my credit reports from the three major credit reporting agencies. 

I have paid off the card in question and have closed the account. I have asked that my banking information be deleted from their system and I have also requested confirmation, which I have not received. 

This is a muli-issue complaint.
Product: Prepaid card

I tried to use my AMEX gift card and was declined at numerous online stores. I tried calling them and they have a pre-recorded message saying that merchants might decline your purchase because of security reasons.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Copy of 1099-C Form for Charge-Off Account Dear Discover Bank, I am writing to formally request a copy of the 1099-C form related to the charge-off of my account, as required under the Internal Revenue Service ( IRS ) regulations and relevant consumer protection laws .

The details of the account in question are as follows : Account XXXX XXXX, XXXX As you may know, a 1099-C form must be issued when a debt of {$600.00} or more has been canceled or forgiven. This form is crucial for my tax reporting purposes and ensuring compliance with IRS regulations.

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to access information that affects their credit reporting. I believe that obtaining this form is essential for maintaining accurate records regarding my financial obligations.

Please send the requested 1099-C form to my address listed above at your earliest convenience. If you require any additional information to process this request, do not hesitate to contact me at XXXX. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I

am submitting this statement in response to the Equifax data breach, which exposed the personal and financial information of millions of consumers. This breach represents a failure to uphold the security and accuracy obligations required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer information. Furthermore, under 15 U.S.C. 1681b ( g ) ( 1 ), consumer reporting agencies must take appropriate measures to prevent unauthorized access to sensitive consumer data. Equifaxs failure to safeguard this information has caused widespread harm and increased the risk of identity theft and financial fraud. I formally request : A comprehensive investigation into Equifaxs compliance with FCRA security obligations. Mandatory security reforms to ensure stronger data protection measures. Clear accountability and corrective actions to prevent future violations of 15 U.S.C. 1681c-1 ( fraud alerts and security freezes ) and related provisions. Consumers should not bear the consequences of Equifaxs negligence. I urge the CFPB to take decisive action to enforce compliance and protect consumer rights. 

Sincerely, 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

I have attempted to contact American Express since XXXX regarding my Platinum Account which has now become delinquent due to their lack of action and personal hardship. The purpose of all three letters was to establish some form of payment arrangements. ALL XXXX letters sent to AMEX via USPS were blatantly ignored - I never received any response and/or even acknowledgement of receipt resulting in $ 1000+ in fees. 

During this same period, I made smaller payments to show I 'm not trying to disappear. As a last ditch effort and show I have gone above and beyond/my due diligence, I went as far as emailing AMEX 's Chief Executive Officer. Only then did I receive a callback from their Executive Office which pretty much told me thank you for your letter, but we ca n't really help. When asked about the letter I had sent to their XXXX HeadQuarters 10+ days earlier, the representative said it was my email that caused them to contact me not any letter ... AMEX refuses to admit they dropped the ball. Despite numerous phone calls, AMEX 's " representatives '' essentially read from a script in XXXX XXXX, XXXX claim they can only offer XXXX option which is far from feasible. When asked to be transferred to someone in the US or a supervisor they claim they are a " global company '' and this is not possible - I have never been able to speak with an American representative nor supervisor during this entire process aside from the individual from their Executive Department - I have been stonewalled by their representatives in XXXX XXXX which claim they can only offer what the computer generates/do nothing more. 

I am a student in the process of trying to figure out what to do with life, please help.
Product: Mortgage

I always pay our mortgage on the XXXX of the month. except in XX/XX/XXXX I was in the hospital and paid it on the XXXX of the month. I paid the late fee. 

On XX/XX/XXXX I contacted Freedom Mortgage to see if there could be a grace for the late payment in XXXX and was told since I had already paid I could not receive the money but it could go to the principal. That was wonderful. Then I paid XXXX 's payment. 

We have used Freedom Mortgage for 9 years, not just the length of this loan. During the entire length of our loans we have used the same banking account to pay our mortgage. 

On XX/XX/XXXX I was taken aback by receiving a letter that my XXXX payment did not go through due to an account issue. I have always used the same account to pay my mortgage. When I called on XX/XX/XXXX it took her 30 seconds to figure out that three of the numbers were repeated in the sequence and that is why it wouldn't clear our bank. However, she had our correct banking information right in front of her. Our banking account information is clearly on file. 

This has caused our credit scores to drop from XXXX to XXXX in one day as Freedom Mortgage reported that we were not only 30 days late for XXXX, but we also had note paid XXXX, I paid XXXX 's payment in full on the phone call on XX/XX/XXXX at the time I first became aware there was a problem. We received a letter in the mail on XX/XX/XXXX that stated that our payment was returned due to processing error. We did not receive any phone calls or anything prior to that which would have allowed us to correct the issue and not have a payment that is 30 days late thereby ruining our credit. 
We then received another letter that stated that they were unable to get ahold of us. They have our phone numbers, emails and text capabilities. None of those avenues were used to let us know that there was a processing error. We would have taken care of it the same day..
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 1681s-2 XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX  they can not access my credit file. My full name XXXX XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!