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

In pursuant to 15 USC 1666b-Timing of payments A creditor may not treat a payment on a credit card account on an open end consumer credit plan late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I the Original creditor have requested proof of these statements that were mailed and neither of the Reporting agencies nor creditors could provide me with this required information to constitute a late payment. 15 USC 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies- under the EXCLUSIONS section exclusions from a consumer credit report clearly states the term Consumer Report does not include reports containing information solely as a transaction ( s ) or experiences between the consumer natural person and person making the report. The following companies are in direct violation with 15 USC 1666b and 15 USC 1681 please remove all late payments showing on the following accounts and mark them as Paid In Full : XXXX XXXX XXXX XXXX ( XXXX ) showing 35 Missed Payments, XXXX XXXX XXXX XXXX XXXX showing 62 Missed Payments, Dept. Of Ed ( XXXX ), ( XXXX, XXXX, XXXX, XXXX ) showing 33 Missed Payments, XXXX XXXX XXXX ( XXXX ) showing 8 Missed Payments, XXXX XXXX XXXX XXXX XXXX XXXX ) showing 1 Missed Payment, XXXX XXXX XXXX XXXX XXXX XXXX showing 21 Missed Payments ) and XXXX XXXX XXXX XXXX XXXX XXXX  showing 3 Missed Payments.
Product: Credit reporting or other personal consumer reports

I submitted disputes personally and through my credit repair agent about all the inquiries and the collections on my profile that I told them was not mines and I gave them my Fraud affidavit that I filled the FTC. I asked them to validate the accounts and they never do but they still keep the invalidated information on my credit file. Especially addresses and phone numbers that are not mines on top of all that I have disputed already. When I call they just keep putting me on hold, I ask for a manager, they say a manger will call me, no one ever calls me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters to the credit bureaus with identity theft and police report stating that there are many errors and fraudulent accounts on my report. The credit bureaus refuse to cooperate and investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX XXXX  Account # 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


Please remove this account.
Product: Money transfer, virtual currency, or money service

Cash App wont allow me to open an account because they said that I violated their terms of usage. There is no way ive done that because there are many people that use cash app for the same purpose that I used it for. If cashapp is going to make a decision to affect one user, they should be consistent with their rules. I feel they have unfairly singled me out and it is unacceptable.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report, which made me quite depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are included below.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful reviewing my credit report, i noticed accounts which are not mine. 
I have never applied for these creditors, i don't have any contracts where is my signature on with these companies. 
I believe, that someone stole my personal information, i applied for police report.
Product: Credit reporting or other personal consumer reports

Under code 15 USC 1681 my information was used in a data breach and I would like anything that is on my file to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued to demand and dispute account # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX with the credit reporting agencies Transunion XXXX XXXX XXXX and I have asked for proof of the contract signed by me as well as the purchase agreement. The above debt collection company has only sent a itemization from their on database. On both credit reports it shows a balance of {$730.00}. No original credit limit. I have never had or ever been offered a card with a uneven credit limit. This amount is not accurate and is more of a nonsense unfactual amount. It is the responsibility of all the reporting agencies to report 100 percent accurate information. They are not doing this and this is causing me financial hardship and stress for me and my family at a time when the whole world is in turmoil. These reporting agencies have continued to allow XXXX XXXX XXXX XXXX XXXX bully me by changing up information on my reports such as recent 30 to 120 day late updates on my file to further damage my reputation. I have disputed these these facts with the company and the credit reporting agencies XXXX, Transunion. They are allowing this company to use unfair reporting tactics and I know that if they really did a full proper investigation they would find that I have no contract with this company and they can not show me how I they came up with a alleged amount of {$730.00}.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXXXXXX Date OpenedXXXX Balance : $ XXXXLate/Open Late Date XX/XX/20
Product: Debt collection

This old account is my ex husband 's account, not mine. AND it has been paid. The person who took the payment from him said they would remove from all reports. Neve happened. No matter, not my account.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity used it to get students loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  incorrectly reported a late payment for XX/XX/year>, despite my account being in good standing. A different department within the bank submitted this inaccurate information, and I am requesting that it be removed from my credit report. 

XXXX XXXX  incorrectly reporting inaccurate information. I am requesting that it be removed Amex is incorrectly reporting inaccurate information. I am requesting that it be removed
Product: Mortgage

XX/XX/XXXX XXXX contacted the company concerning the bi-monthly payment plan that have set up for my mortgage. Ive had the loan since XX/XX/XXXX and each partial payment that I make mid month for approximately {$740.00} is held and not applied to the balance of the mortgage until the beginning of the month. The main benefit of having bimonthly payments should be to reduce the principal faster. The company Mr. Cooper said this is how the payment plan is set up and give me a direct answer.
Product: Credit card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Student loan

My fed loan was transferred to MOHELA in XX/XX/XXXX. The same month, I submitted my annual Employment Verification which is required for the PSLF program. First form upload was on XX/XX/XXXX. I received a letter from them in XXXX, saying that I was not qualified for loan forgiveness because I had not made XXXX qualifying payments. The letter showed my a breakdown of my qualifying payments, and a list of unqualified payment which required employment verification, which were for the same time period I was submitting my annual verification form for. After a call with a MOHELA representative, I resubmitted the same form on XX/XX/XXXX and later saw that form had been marked as " Duplicate '' and therefore did not go through the process to certify my employment. Re-uploaded again on XXXX and on XXXX, receiving the same notice that I am ineligible for loan forgiveness, but never updating the number of qualifying payments for the time period I am certifying my employment for. On XX/XX/XXXX, I call MOHELA again and ask for my call to be elevated to a supervisor. Currently, I have been on hold for XXXX and XXXX minutes. 

I am extremely frustrated with this horrible customer service. When my loan was with XXXX, employment certification was a very simple process and never took more than 2 weeks to certify. I am angry that MOHELA 's inability to intake my forms correctly and certify my payments will affect me in my loan forgiveness.
Product: Vehicle loan or lease

Dear Westlake financial, I am writing to address my concerns regarding your handling of my account, specifically the fact that you have reported this account as a charge-off to credit reporting agencies while simultaneously pursuing legal action to collect the balance. 

According to 15 U.S.C. 1681s-2 under the Fair Credit Reporting Act ( FCRA ), creditors must report accurate information to credit reporting agencies. A charge-off is an accounting action reflecting a determination that the debt is unlikely to be collected and is written off for tax purposes. Reporting an account as a charge-off while still actively pursuing legal collection raises questions of consistency and compliance with the FCRAs accuracy requirements. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is prohibited for creditors or debt collectors to engage in deceptive or misleading practices. Reporting a debt as a charge-off while treating it as collectible in court could be viewed as misleading.

To clarify the situation, I request : 1. Written verification of the debt : Provide detailed records, including any agreements I signed and an itemized breakdown of the debt amount.

2. Explanation of your charge-off status : Confirm how you are reporting this debt as a charge-off while still engaging in collection litigation.

3. Options for resolution : If settlement or alternative resolution options are available, please provide them in writing. 

I look forward to your prompt written response to this inquiry within 30 days. Please be advised that I reserve all rights under applicable laws. 

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

XX/XX/XXXX mailed me a letter stating that I was preapproved for a credit card. I used the EASY TO ECCPET YOUR CARD METHOD by phone, I was told that my credit card would be mailed within 2weeks ; yet I was not told that this preapproved credit card would place an hard inquiry on my credit report, I did not authorize this inquiry nor did I have any knowledge that an inquiry would be placed on my credit report. OnXX/XX/2019 XXXXXX/XX/XXXX placed an unauthorized inquiry on my credit report I called XX/XX/XXXX to inform them that I was unaware that the acceptance of a preapproved credit card would place a inquiry on my credit report, asked that XX/XX/XXXX remove this unauthorized inquiry from my credit report and have not received any confirmation that the inquiry has been removed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise
Product: Student loan

Navient informed me that I can afford nearly {$150.00} more a month in payments. They stated that they gave me {$77000.00} and they do not need to offer any help to me. They demanded that I pay what they said or I will be sued. They threatened to sue me numerous times. 

XXXX University XXXX XXXX XXXX, XXXX, DE
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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

XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " XXXX XXXX '', I contacted them several times to dispute this account that had been closed. XXXX did not respond to my debt verification disputes for the past few months. XXXX resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. XXXX has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.
Product: Money transfer, virtual currency, or money service

Have you heard about the more recent phishing scams using PayPal invoices? I think there is some liability on PayPal 's part. When my elderly relative received an invoice sent via XXXX he hovered over the return address to verify the sender. It really was sent from XXXX, and further it appeared to have been sent by " Billing Department of PayPal '' because the scammers had set their PayPal account company name to be " Billing Department of PayPal. '' *It seems outrageous that PayPal lets scammers use company names like that, which are so obviously designed to defraud people. * It made the phishing message seem even more legitimate. The message claimed to be alerting my relative to a possibly fraudulent pending charge. The charge would be posted in 24 hours. Since the message really came from XXXX and was sent by " Billing Department of PayPal, '' my relative believed it and called the toll free number provided in the email, and was scammed for almost {$70000.00} by two people over the course of two days. There was an initial scam and then a " fraud investigator '' contacted him to further scam him. It's sickening.

The scammers sent wires out of my elderly relative 's bank account, but since his PayPal account was unharmed PayPal hasn't been very helpful. They won't even let him file a complaint.

PayPal should not let scammers set up company names like " Billing Department of PayPal. '' That's entirely within PayPal 's control. They are letting scammers use their platform to defraud people and they don't seem to be doing much about it except tell people to report suspicious messages. That's not enough to protect the less scam-savvy members of society. 

Thank you in advance for any pressure you can put on PayPal to change this outrageous policy.
Product: Credit reporting or other personal consumer reports

Respected Sir and Madam. 

I am requesting information i need to report this bank very suspicious activity on my financial records since last 5 to 6 years. 

I have made a legal settlement with this financial institution, by following debt consolidation. 

Kindly help me remove this account from my credit report as reporting this situation to credit bureaus have them gone no where just following simple threats and also they have put XXXX XXXX XXXX XXXX XXXX XXXX. 

So the situation is very dangerous and i am scared for my life from this bank activity. 

Thank you.
Product: Checking or savings account

My account was created back when I was XXXX and it was created as a joint account. In XXXX I received a letter to update my address because my mom had a foreign address listed in her account. I made the update on my end but did not think my mom had to update on her end since she no longer had an account with Wells Fargo. On XX/XX/XXXX my account was closed and my money disappeared. Wells Fargo told me I would receive a check within 4-5 days. It is now XX/XX/XXXX and I have not received a check. I called Wells Fargo and they told me it would take 15 business days. Its ridiculous to leave someone without their money for that long. They shouldve overnight it.
Product: Debt collection

My information was exposed to the XXXX  data breach and got into the wrong hands, remove this fraudulent account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint # s XXXX and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS, 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, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please block this information from my report as I have asked them to validate this information and they didn't respond after 3 months of disputes. I am filing this complaint regarding XXXX  continued reporting of inaccurate and unauthorized items on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2 ), I am formally requesting that XXXX block these items within four business days due to potential identity theft concerns, as I did not authorize or recognize many of these entries. I have attached my documents.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notification that there was a hard inquiry on my credit report from XXXX XXXX XXXX XXXX. As I did not apply for any loans from XXXXXXXX XXXX XXXX XXXXXXXX, I contacted the bank to check using my name, phone, address and SSN if there was any account in my name opened and they verified that they had no accounts/ loans open with my information. On XX/XX/XXXX, I froze all XXXX credit reports. I was advised by a XXXX customer service reprsentation to file this report to gather evidence to support that the hard inquiry by XXXX XXXX was either fraud or done in error
Product: Credit card or prepaid card

Received a BrinksPrepaidMastercard that I didn't apply for. Tried to call and question company about receipt of same, and automated system asked for my social security number or the card number. I don't want to accidentally activate the card by providing the number.
Product: Vehicle loan or lease

I contacted Nissan a month ago and she told me there was an option when you have fees after making last payment of car. But every worker I speak with doesnt know or refuses to help me out.
Product: Debt collection

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by their company. I ask they must verify each item on my credit report actually belongs to me, last payment made and date of delinquency. If the item in dispute is inaccurate, misleading, or incomplete, they may have violated federal law in accordance with the Fair Credit Reporting Act, 15 USC section 1681i.