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

My account with XXXX XXXX, XXXX, XXXX, XXXXXXXX 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 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. 

XXXXXXXX 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: Debt collection

They have been contacting me for 3 years about a debt for a car I dont even drive I havent driven in 10 years Im XXXX XXXX XXXX and XXXX of XXXX XXXX they threatening my kids. And wont tell me exactly who they are.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I sold an item through my paypal account in the amount of {$1700.00}. I sent the item to the buyer and it was recieved. Paypal would not release my funds and said they were holding them for 180 days for a correction. I tried to contact them on several occasions for an explanation, but was not given one. I was told I have to wait the 180 days. On XXXX XXXX I received notice from paypal they took {$1100.00} for the correction and gave me {$690.00}. I tried to reach out again for an explanation with no response. After doing my research I have found multiple articles about paypal stealing money from people illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent paperwork to Equifax showing fraud on an account-I fax it in to the fraud department. The packet included a FTC Fraud Affidavit and letters that were provided to me by the FTC to have the account blocked. I called and verified that Equifax received the paperwork and they stated that they are not going to block this account. but put it in for a dispute. They stated that I have to filed a police report to get it blocked. I told them that I was informed by FTC that I was not required to have a police report file and not to file a police report until I know the amount of fraudulently charged. but they stated that is the only way to they will do it. Until they get that, they will treat it as a disputed account not a fraud account, and allowing it to keep report to the credit buear as an negative/ fraudulently account. Marking the account showing in dispute-Which with that, I can do any type of banking for my business. 
The rep stating, because I opened the account, it was not fraud. I did open the account but I have charges on the account that are fraudulently and the lender refuse to provide me any paperwork regarding these charges. I have filed all of the paperwork required. I have even filed a complaint with the CFPB regarding the company that is reporting on my credit report. 

What is the point of doing all the steps necessary for blocking a fraud account on the credit, if the credit reporting companies are not going to follow it. I was told about the fraud paperwork from XXXX and XXXX XXXX-Equifax stated all I could do is file a dispute and wait 30 days. Why is equifax not following any of the fair credit reporting rules?
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES also known as PRA as a non-affiliate third party has and is currently active in pursuing reported Write-offs/Charge-offs illegally. PRA as a non-affiliate third party contest that it has the right and obligation to demand payment of Conclusive Presumption of Worthless Debt or Write-offs/Charge-offs under Tax Law 13-35 section 1.166-2 ( d ) ( 1 ) ( 3 ) and Section 2.166 ( a ) ( 1 ) ( 2 ), while making false statements of its identity or connection as a bank and financial institution to coerce me into a contract with a non-affiliate third party. PRA as a non-affiliate third party insinuates and suggests it is a partner with XXXX XXXX XXXX  and is listed or mentioned in XXXXXXXX XXXX XXXX consumer contract/obligation agreements with the following statement, i.e.PRA as a non-affiliate third party purchased the XXXX XXXX XXXX ( USA ) XXXX XXXX. ( XXXX XXXX ) XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/year> 2021
Product: Debt collection

I received an email from Receivables Performance Management (XXXX) dated XX/XX/2019 and what looks to be a notice about an account which includes a link to access a secure message.  When I clicked on the message, it is an attempt to collect a debt on behalf of a creditor.  The email did not contain any information or indication that they are a debt collector and they did not provide the following information:(1) whether they are permitted (with a known permit number) to collect debt in the state  of North Carolina of which I am a resident(2) they did not identify themselves as a debt collector(3) they did not identify the creditor of the debtI am attaching a screenshot of the email that I received as reference.
Product: Credit reporting or other personal consumer reports

Unauthorized Fraudulent Inquires PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am a co-signer on my daughter XXXX XXXX loans which were funded on XX/XX/XXXX and XX/XX/XXXX respectively {>= $1,000,000} each loan. I have made all the payments monthly and on time. Just the last 2 years, XXXX and XXXX ( I added it up in my banking history ), I have paid {$15000.00} total to Navient to service the loans. 
( just the last 2 years, and XXXX is not a complete year ). 

The payoff on loan XX/XX/XXXX funded is {$19000.00} unpaid principal {$18000.00} The payoff on loan XX/XX/XXXX funded is {$21000.00} unpaid principal {$21000.00} How is this possible? I have asked them for information and also consideration because my daughter is a veteran, I have in previous years paid more than I have the last XXXX ( XXXX and XXXX ). 

Navient isn't applying funds to help us instead I just keep paying interest. It can't possibly be the amounts left, me having paid over $ XXXX or more ( just using the last 2 years as an example ) on each loan over the life of the loans so far. 

Help please? 

Co-signer mom of a daughter who is a veteran ( XXXX ) FYI. The loans use to be with XXXX and then Navient took them over from XXXX. 
These balances can not be correct. Impossible. And I don't have access to all the history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on several occasions about a reported Bankruptcy that should no longer be reporting. It has reported over 10 years and should not remain any longer. I have sent several letters regarding this issue and I have also called Experian to resolve this issue and they do not respond and It has gone far beyond the 30 day limit. I feel that they are refusing to make the necessary change with this issue since I am failing to get an accurate response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy that is showing on my reports multiple times. 

All credit bureaus are reporting this false information and not a single one of them has deleted this inaccurate information. 

This is not my bankruptcy.
Product: Payday loan, title loan, or personal loan

I requested a {$10000.00} personal loan for home repairs. I am XXXX XXXX XXXX. Have perfect credit. My XXXX  score is XXXX and I make {$3400.00} a month on retirement and Social Security. I previously got a loan personal loan for a car {$14000.00} a couple of years back. It was a four-year loan and I paid it off in XXXX year. I have XXXX credit cards Wells Fargo XXXX and a XXXX XXXX. XXXX card has nothing on it my Wells Fargo account is usually paid off every month. They have denied me credit because. XXXX lack of recent installment information loan information. To length of credit history too short. XXXX too many accounts with balances. I have enough money in my savings account to cover this loan but did not want to use my savings account to cover this loan for a home improvement. I believe it's because of my age please check the application number for the loan is XXXX XXXX XXXX XXXX XXXX. Received a letter dated XX/XX/2022 my email address is a country lady at gmail.com thank you
Product: Mortgage

I have tired for the last 3 months to set my mortgage up on auto draft. My most recent attempt in XXXX for XXXX payment seemed to have been set up successfully. I received my XXXX statement on XX/XX/XXXX and it showed a missed payment so I immediately paid the missed payment. On XXXX I received notice that I was delinquent on an account. Upon researching it turns out it was my My mortgage serviced by Penny Mac. I immediately called them an notified them of the error. Upon calling it seemed that several pieces of information was incorrect My phone number was not associated with my account and they were unable to even pull up my account by my name. The email address was incorrect etc. I spoke with XXXX a supervisor who indicated an issue with the online portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX, Ga XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against multiple times and refused my RIGHT as a consumer to extend credit. 


From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

Because of this, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! From what I understand there is no such law that states that anything must be reported to a consumer reporting agency. Therefore, your organization is liable. 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account XXXX, XXXX XXXX XXXXXXXX XXXX XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX from my credit report and all remarks. 

Both accounts *Remove account XXXX XXXX XXXX XXXX XXXX from my credit report and all remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX from my credit report and all remarks. 

Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

My reputation has been abused enough. My right to privacy has been abused enough. Remove this account from my credit report. I have provided federal laws and as a federally protected consumer, I expect this be handled accordingly. 


Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I'm making this claim in reference to the abusive, deceptive, and unfair debt collection practices that I have encountered by Jacob Law Group , PLLC. Jacob Law Group , PLLC is clearly stating they are a debt collector, which is a violation under the Fair Debt Collection Practices Act 15 USC 1692f subsection 808. unfair practices. Jacob Law Group , PLLC has also violated me under 15 USC 1692b ( 2 ), stating that I owe a debt. I was violated under 15 USC 1692b ( 5 ), in which the envelope clearly displays language, not only was this a violation under federal law ; it's also a violation under the XXXX  XXXX XXXX Practices Act. The statement that I received from Jacob Law Group , PLLC reflects a positive amount. I have disputed all claims on XX/XX/2022 via certified mail with return receipt, Cease and Desist all future attempts in trying to collect on a positive balance. Further, more their claim is that this was an account with XXXX XXXX I contacted XXXX via certified mail with receipt requesting proof of claim and they sent me documentation that states ; XXXX automated underwriting system was unable to match my name, physical address, social security number and date of birth against independent third-party data. Jacob Law Group , PLLC has violated multiple law under the FDCPA, I'm truly loss for words. Jacob Law Group , PLLC willfully and knowingly there breaking the laws that Congress has set forth.
Product: Credit reporting or other personal consumer reports

Capital one is on my credit twice XX/XX/XXXX and XX/XX/XXXX XXXX XXXX on there twice XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX  on there twice XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX on there twice XX/XX/XXXX and XX/XX/XXXX I have filled for identity theft I will be reaching out to the companies next
Product: Credit reporting, credit repair services, or other personal consumer reports

The short of it is the credit reporting agencies are practicing unfair practices. For nearly 120 days this has been what it has been like for me. My story : Prior to XX/XX/2021 I had 12 or more credit cards, a car loan, student loans, personal loan. And credit card utilization of 70 % at any point and time prior to XXXX. Important note, NO LATE PAYMENTS IN FIVE OR MORE YEARS ON ANY ACCOUNT. 
Late XXXX, I paid all credit cards down to less than 10 % utilization. ALL of them. 

My credit score went up about 30 points on XXXX  and XXXX. For Experian  it increase by more than 100 plus points. Roughly ten days later, for no reason known to me Experian change my score to within ten points of the other credit bureaus, reducing the score by 100 points. Again no change to any account and Experian just reduced it.

Next I paid off my personal loan. No late payments on life of loan. My credit score DROPPED by 6 points for paying the personal loan off. 

Just to see what would happen, on a credit card with and already 9 % utilization I made a {$40.00} purchase. My score dropped by 4 points for the {$40.00} charge.

I paid {$140.00} on the same credit card a few days later. My score did not change at all.

I next paid off my car loan. My score dropped by 10 to 12 points. No late payments. Just paid it off. 

My point is I gain few points for on-time payments. I lose point for using the credit cards even if balances remain below 10 %, and I lose points for paying credit cards or other type loans. 

I can not win. I am a XXXX  man. My wife, who is XXXX, paid down her credit card balance but remain about 30 % utilization and she gain several points. Her score is higher than mine right now and her utilization is higher. Her debt to income is higher.
Product: Credit reporting

I have sent out letters since XX/XX/2017 for Equifax to provide proof of the documentation that have received by the negative reporting companies on my credit. Each investigation that I initiate ends up with the same generic response we verified that this account belongs to you. I have sent letters to each of these companies and I have n't received validation. So I do n't understand how they obtained validation at all. Or why it has been impossible for them to provide me with the proof if they have it in their possession. I have also requested that certain inquiries are removed off my credit that I did not authorize. But I receive the generic response of inquiries are factual record of file access. I do n't see the point of having an extended fraud alert if information can easily attach itself to my credit report. They do n't take time to actually verify these accounts ; they just send out generic responses. For example I mail out all my letters through a company that provides tracking of when the letters is mailed out and when it is received by the company. I sent a dispute out on XX/XX/2017 and it was received by Equifax on XX/XX/2017. I get a response to my dispute on XX/XX/2017. I have proof of everything if you need copies. I did upload proof of the timing of the report for one of my disputes just to show you an example. Thanks so much in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the company to inform them that the inquiries in question were fraudulent and needed to be removed. Instead I was either not answered or sent notices that they had no proof of the inquiry even being put on my credit report. They never provided any proof that I was the one who ran my credit. 

The date is now XX/XX/2021, I have been contacting the following company for the past 3 months to no avail. someone was trying to get credit in my name as well as loans to do god knows what. They failed to assist and I am now filing a complaint. 

XXXX XXXX  salliemae XXXX XXXX
Product: Credit card or prepaid card

what has been happening is comenity bank has not removed the report from my credit to show it has been paid. 
i have paperwork show i have paid this off. i was told by XXXX  that if i paid it off this would be closed and taken off all 3 reports!

come to find put XXXX  works for XXXX XXXX so i paid XXXX  XXXX while i was paying it off the debit to XXXX. 
must had been sold out while i was paying it off... i didnt know this! 
i am being told from com bank that they didnt get my payments so this can't be removed? 
i want this removed as i have paid it off. i was lied too... how would i know??
Product: Credit card

I placed order on XXXX XXXX # XXXX. I received confirmation emails with tracking numbers, I tried to search for tracking info and the numbers received showed as incorrect with the shipping company. I contacted Kohls numerous times for tracking information and requested that the items be reshipped with delivery confirmation/signature required. I was notified that items were reshipped. I received another email shortly thereafter that the item was returned to sender as recipient refused. I never received the item, I contacted Kohls to find out where items were being shipped to, they confirmed a different address. I provided them with my current address on every single call I placed to them, upon order submission, upon tracking request and reshipment. Seems they do not update their files. I was assured my account would not be affected and that items missing would be reshipped, or I could cancel item. I opted to cancel the item since they tried to ship it twice and I was not receiving item since they kept sending it to the incorrect address. 

I have called repeatedly in the last few days and keep getting same run around with me having to provide them with my address, when I provide them with the current valid address I keep getting told that is the incorrect address and that they can not help me unless I provide them with the " old '' address. I do not know what shows on their system and it is not my responsibility to provide them with outdated/incorrect information. 

At this point, I want them to credit my account for items not received. I received an email informing me of such, however, when I check my account it shows nothing of sorts. 

I will not call back to be placed on hold for over XXXX minutes only to end being switched to unattended voice mails or have to submit email after email. I should n't have to continue calling and be forced to confirm whatever information they show in their system as I can not see or know what shows- I can only provide them with the information I KNOW to be my current and accurate.
Product: Checking or savings account

I deposited a certified bank check in my business checking account on XX/XX/. The bank has put an hold on it until XXXX The issuing bank is a local renowned bank. To put a 10 day hold on a certified bank check is unreasonable
Product: Mortgage

GRANTED FORBARENCE FOR 6 MOS.DENIED REINSTATEMENT AFTER RECIEVING REQUESTED RECORDED TITLE, THIS THREW ME INTO A CASH PAY OFF WELLS FARGO REQUESTED, WELLS FARGO REFUESED TO PUT PMTS.OF 6 MO. ON BACK END, OR OFFER ANY PMT. PLAN.