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

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

Experian 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

This letter is regarding an alleged account which you claim was placed for collections for {$95.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since XXXX I have attempted to write XXXX and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Dear CFPB Team, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account, which I believe was a mistake. I respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies or engaged in any activity that would warrant a permanent limitation on my account. I have always used my account in accordance with the terms and conditions of PayPal, and I have never engaged in any fraudulent or unauthorized activity. 

Secondly, I believe that this limitation was placed on my account due to a misunderstanding or error on PayPal 's part. I have not received any communication from PayPal regarding the reason for the limitation, and I am not aware of any suspicious activity or violation of policies on my account. 

As a loyal customer of PayPal, I strongly believe that the limitation placed on my account is unjustified and is causing me undue hardship. I am unable to access my funds, make payments or receive payments, which has caused significant inconvenience and financial loss. 

Therefore, I kindly request that PayPal re-investigate my case and restore my account if possible. I am willing to provide any additional information or documentation that may be required to resolve this matter. 

Finally, I would like to confirm that the email address associated with my PayPal account is XXXX Thank you for your attention to this matter. I look forward to a prompt resolution of this issue. 

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

Someone Used my account and deposited checks in my account. I tried to contact XXXX multiple times over the years to resolve this matter. I told them that someone stole my information and used my information and withdrew {$200.00} after depositing the checks. XXXX have not resolved this after 3 years and it still is reporting on my name and the account is charged off. The transaction happened on XX/XX/XXXX. I sent the information to them back in XX/XX/XXXX and they still have not resolved this matter nor responded. It was a chase liquid account and the account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that a fews agency show credit inquiries that I find to be problematic. I have no recollection of doing any business with XX/XX/18 XXXX XX/XX/18 Syncb/tjx Dc XX/XX/18 Syncb/lowes XX/XX/18 XXXX Fa XX/XX/18 XXXX XXXX
Product: Debt collection

A computer showed up at my home that I did not order. Contacted the sender ( XXXX XXXX ) and they said they would send someone to pick it up. XXXX arrived and I gave them the package. I canceled the credit card the computer was ordered from and was issued a credit back for this amount. This all happened last XX/XX/XXXX and now I am getting a letter from a collection company in California who is trying to collect this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize a hard inquiry on XX/XX/2020 or XX/XX/2020.
Product: Debt collection

This is a collection agency. My medical bill was already written off by XXXX XXXX and I am even on a Medical Financial Assistance from XXXX. However, the Collection is still insisting that I pay them the medical bills.
Product: Checking or savings account

XXXX I received A call from Wells Fargo asking if I was in XXXX XXXX due to suspicious activity I said no and hung up the phone the next day I woke up and saw over {$6000.00} was drained out of my account they withdrew {$200.00} at an ATM {$800.00} at another ATM. Then spent {$2900.00} at food lion then {$2900.00} at another food lion. As soon as I saw this I called the Wells Fargo fraud department and reported it as well as called my local police department. The fraud Department said it would take from 7 to 10 business days and after I received a letter from them saying the investigation was over after seven days they told me that they saw no report of fraud on my account and they could not tell me what they saw or why they can not see fraud. Then I went to the bank and they told me to handle it with the fraud department and they cant do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an unsecured credit builder card through a company named First Progress. I paid the card out, received a refund, and also closed the account in XX/XX/XXXX. I have a XXXX  balance on the account and it is still reporting as negative to the credit bureau XXXX as of XX/XX/XXXX. I spoke with multiple customer service representatives on different occasions with the most recent date on XX/XX/XXXX. I was told that I have a XXXX  balance in there system but they don't know why its reporting as 90 days late on my credit report. I was told to call one of their collection agencies named XXXX to see if they could tell me what's going on but they representative there said she couldn't find me anywhere in her system. It didn't make sense that a collection agency would have my Info since the account is paid in full, but I followed their instruction on that. I have documentation from my credit report to prove that this account is NOT 90 days late and that there is in fact a XXXX  balance. I would like for the company to send me a XXXX  balance letter to my home address XXXX XXXX XXXX XXXX, Al XXXX and also remove this account completely from all credit bureau reports.
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and found hard inquiries that I do not recognize. Please take these inquiries off my report. Here are the inquiries I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The original amount of the bills was {$71.00} with   XXXX   XXXX   XXXX   ( Medical ), however the collection agency Receivables manager company is   changing more that was is owed, the original amount of {$71.00} has been paid, however the debt collector is reporting a balance owed of {$99.00} See Collection Agency Information on   XXXX   Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Went I got the car I didnt want anything on my credit report the rep said all the do is pull the report I asked would it go on my report he said no. So why is it there? I understand if that not the case but its not right and I will be going to the XXXX  if not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has child support on my bureau that is outside of the federal obsolescence period for keeping a collection. Unless someone has re-written the FACT Act of 2004, a collection MUST drop from the file 7 years from the first delinquency prior to charging off. I have attached TWO LETTERS showing that the delinquency was BEFORE XX/XX/2011. XXXX XXXX has removed it ... XXXX  has removed it. Why does Equifax get to ignore federal law? 

In addition, the child support is being paid through Mississippi and NOT Illinois. My ex wife and child live in that state and I live in Georgia. 

Equifax needs to be made to comply with federal law. This is a willful and not negligent violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX regarding Bankruptcy # XXXX and XXXX ( Provider of bankruptcy reporting to credit bureaus ) and was sent proof letter from XXXX XXXX that the Bankruptcy doesn't exist, and I also was given a letter from the UNITED STATES BANKRUPTCY COURT that they don't provide any information to credit report agencies.
Product: Money transfer, virtual currency, or money service

Hey, My credit card have been double charged for a transaction with Coinbase and I've still not been reimbursed. I've tried to get in touch with the company, but they have only let me talk to a robot, or sent me automated emails. 

Date of transaction : XX/XX/2017 Both transaction charged an identical amount of XXXX XXXX XXXX  The first transaction was consensual and I got what I paid for. 
However, the second was not.
Product: Mortgage

This is a continuation of complaint XXXX. I have done further research that I would have hoped Mutual of Omaha would have done. At the time of closing fund for the HO policy were collected for 12 months in the amount of {$950.00} clearly marked for XXXX XXXX XXXX XXXX. In XXXX XXXX of XXXX paid my insurance again in the amount of {$1000.00}. That tells me the attorney they had for the closing never followed thru paying my HO policy. I want to be refund the {$950.00} that was part of my closing cost. Since is the attorney the mortgage company sent to the closing they should be the ones to resolve this. 
Regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, capital one froze my business account, since than theyve told me theyre under investigation. I had an issue with my personal accounts which lead to froze my personal accounts & business, they have close my personal accounts and have sent me my close out checks, now I been asking for a month about the business account and they just always tell me is under investigation how is it that, an account the was just open less than a year can take so long to investigate? & my personal account that I had for years were able to get review faster, I try reaching out but they keep giving me same excuse telling me the account is close already & that they dont know when would they give me my close out check.
Product: Credit reporting or other personal consumer reports

Experian is now asking me to provide highly personal documentation to prove that a report on my credit is fraudulent. I have been homeless since XXXX of XXXX  living out of my XXXX with my children, while doing the best I can, I have no updated documents due to homelessness and lack of government help due to having a big family.The so called debt from XXXX XXXX XXXX  was opened this year and is from medical I haven't been to an hospital since I had my daughter XXXX XXXX. This is beyond ridiculous and soon will be seeking legal actions due to this misuse of my information.
Product: Mortgage

QuickenLoans was well aware that an active dispute is present on my credit report. They requested and was provided a dispute explanation letter. I was told explicitly that I was financially approved. Now, with less than a week to scheduled closing, they are requiring the dispute to be removed before finalizing the loan. I have spent the last month working with the sellers to gather documentation and purchase insurance policies, sometimes missing work to get everything accomplished in time for closing. 

This dispute removal demand puts the sale at risk. If this loan is not finalized, I have wasted a month and lost money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complain regarding Alliant Credit Union pulled my credit report without my consent. Which I got the same reply from Alliant credit union ask me to call the number of XXXX XXXX XXXX  to report theft identity claims so they can do the research for me. I have called the number on XXXX as well as XXXX. The representative just took my name and my number and say the fraud department will contact me, but I have never receive a call from them. I am asking Alliant credit union to get hold of me and to prove that the inquiry was legit or remove the inquiry. DO NOT send a letter ask me to call in, I did but I never heard from Alliant credit union. Call me instead and explain to me.
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 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 card or prepaid card

In XX/XX/2018, I completed a balance transfer to my Citi Double Cash card. At the time, I had my card set up to auto-pay the statement balance on the due date each month. However, I forgot to change that after completing the balance transfer and when the due date came my checking account was auto drafted for an amount that well exceeded my checking account balance. I noticed something was wrong when I got an email regarding the overdraft fee from my bank. I immediately cancelled auto pay for my card via the Citi mobile app. 

I was frustrated to see the same transaction attempted again twice, both generating the same overdraft fee as before. I then called Citi customer service for an explanation and was even transferred to a supervisor for assistance. I was told that Citis policy is to attempt the transaction 3 times before it is returned. The supervisor told me there was nothing I could do to prevent this and that me canceling auto pay after the first attempt did not cancel the 2 subsequent attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

not in compliance with metro 2
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

1.I have never had an account with this company LVNV FUNDING LLC XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LVNV FUNDING LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.