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

On XX/XX/year> I mailed a written dispute to this credit bureau requesting that inaccurate information on my credit report should be validated and updated immediately. This credit bureau responded back with a letter claiming that they did not believe this dispute was sent by me and that I would have to call and verify my identity with them, I proceeded to call and verify my identity and after spending countless time over the phone being transferred back and forth, I still was unable to get any real help with this issue. I am requesting that the negative and inaccurate information on my credit report is immediately deleted. Per the Fair Credit Reporting Act, this company had 30 days to validate this request and update my credit report but they failed to maintain protocol that follows the laws set forth in the Fair Credit Reporting Act, failing to meet these requirements, any information disputed should be immediately deleted from my credit report.
Product: Credit reporting or other personal consumer reports

These inquiries are not mine, and I am not connected to the creditors listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been accessed all the time by this XXXX XXXX XXXX promotional inquiry. I have never accessed XXXX XXXX XXXX, a Discover card or anything of the sort. This is deeply troubling and alarming how often this has been checked. 


XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX   Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me start out by saying I give the CFPB written permission to act on my behalf concerning this complaint. I recently checked my Experian report and noticed that XXXX XXXX account # XXXX has been charged off twice. The first time the account was charged off was in 2017 and now it's being charged off again in XXXX of this year! This has to be a violation of the FCRA done with the purpose of damaging my credit by trying to pass off this old account as a new charged off account. Isn't this highly illegal and Experian should be punished for a blatant distortion and manipulation of my credit report. The last time I filed a complaint they came up with a weak excuse for not dealing with the complaint that got your agency to drop the complaint. This is why I'm making sure you have written permission to handle this problem along with any other agency you deem necessary to handle this issue. Please don't accept any watered down excuse given by this company. If you can't or won't help please direct me to an agency that can get to the bottom of this. I have requested the verification information and how it was obtained. That request has been ignored each and every time it was requested. That has to a violation of FCRA rules too! Someone has to hold these people accountable for the way they handle these accounts.
Product: Credit card or prepaid card

While reviewing my credit history, I all of a sudden see that an XXXX credit card was opened by SYNCB. I have an XXXX XXXX account and have used for years, but never applied for the credit card. When checking out, I am always careful not to click the " apply for cc '' button. Called XXXX and they said it takes a lot more than just inadvertently clicking the wrong button ( e.g., you need to enter id and credit info to complete application ). I have never received a card in the mail. I have not account number. But my credit history shows a {$0.00} balance and that the card was opened fraudulently in XXXX XXXX 2016. There is also some hard credit inquiries effecting my score from this fraudulent activity. When I called XXXX, they say they know nothing about it and to call the bank. When I called the bank, they said they ca n't help me since I do n't know the account number. I never applied for this card. I was never physically sent the card. And I have no access to this account. It is impacting my credit score. Suspicious that SYNCB would open this without my consent just to boost their accounts/sales.
Product: Credit reporting or other personal consumer reports

I have a fraud alert from all three credit bureaus. Im not understanding how they are letting fraudulent inquiries repeatedly post in my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am responsible for this one and it should only be showing once. 
XXXX XXXX XXXX XXXX XXXX XXXX  I am not utilizing any of these institutions and has never conducted any business with them.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by Experian Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX, XXXX, and XX/XX/year> are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information. 
The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reported Late Payments : XXXX, XXXX, and XX/XX/year> High Balance : {$3100.00} Balance Owed : {$1300.00} Account Status : Open, Current Account Type : Credit Card Evidence of Errors : Auto-Pay Enrollment : I have been enrolled in autopay, ensuring all payments were made on time.

Discrepancy in Reporting : Experian incorrectly reports 30-day, 60-day, and 60-day late payments for XXXX, XXXX, and XX/XX/year>, respectively. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payments for XXXX, XXXX, and XX/XX/year> from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

At XXXX XXXX XXXX on XXXX/XXXX/17, I called XXXX to contact them regarding notices of three debts they have in their office. When the gentleman asked me why I was calling I advised him that I was wanting to dispute these because I have an issue with the balances being owed and that there were unauthorized charges on these credit cards. He asked me why did I pay them for so long and that his collection company was going to sue me if I did n't take care of these. I again advised him that per my right by law I was wanting to dispute these. He again said we will send these to an attorney in your state for legal action if you do not take care of them. I again advised him that I am disputing all three of these accounts and I want them placed in a dispute status. He again asked why I was not wanting to take care of them and that legal action will be taken. I again firmly stated that he is violating my rights by not placing these in a dispute and trying to pressure me into making payments at this moment. I asked him for his name. He said it was XXXX XXXX, when I asked if this was his actual real name on his license, he said no, this is my business name I go by at work. I told him he could n't just make up a name to give me and that I now question the validity of my whole debt because he was being dishonest with me. I terminated the call at that point.
Product: Credit card or prepaid card

I was browsing XXXX for merchandise and came across the XXXX XXXX XXXX XXXX. I went to the XXXX website ( XXXX XXXX XXXX  ) directly and pre-ordered their product for {$290.00}. The development was indefinitely delayed, and I contacted the seller requesting a refund. I disputed it with my bank Capital One with no success on my chargeback request and was denied a refund. I am occasionally contacted by someone at the company with the email address XXXX, and they have some vague detail as to why the product has been delayed and requesting more money from me due to rising shipping costs. This product has been in development for several years, and every time they come close to a deadline, they delay their release again and request more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2021.
Product: Checking or savings account

To Whom It May Concern at the Consumer Financial Protection Bureau, I am reaching out to file a formal complaint against PayPal, a service I have utilized for four years without any prior issues. However, about 20 days ago, I experienced a significant and distressing problem : PayPal permanently restricted my account without any clear explanation. 

This abrupt account restriction has left me unable to access my funds and receive payments, which has had a considerable impact on my financial transactions, as PayPal is my primary means of receiving payments. 

Despite my attempts to contact PayPal for clarification and resolution, the responses have been largely unhelpful and dismissive. The lack of transparency and communication from PayPal regarding this issue is concerning and has caused me significant inconvenience and stress. 

I am seeking the CFPB 's assistance in addressing this matter with PayPal. I wish to understand the reason behind the sudden restriction of my account and hope to find a resolution that reinstates my access or at least provides a clear explanation of the actions taken against my account. 

Please find the relevant details below : PayPal Email : XXXX Reference ID : XXXX I appreciate your attention to this matter and look forward to your support in resolving this issue with PayPal. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Reporting Account # XXXX I am writing to formally request the removal of the mortgage account listed under XXXXXXXX XXXX XXXXXXXX* from my credit report. Despite multiple disputes submitted to address inaccuracies in the reporting, I have received no resolution or adequate documentation to support the claims being made about this account. Instead, the account continues to be updated inaccurately without proof, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

The specific inaccuracies I have identified include : 1. **Payment Status : ** - TransUnion XXXX XXXX, and XXXX report the account as **60 days past due**, which is false as I have consistently made payments on time.

2. **Payment History : ** - There are inconsistencies in the " OK '' status reflected in the history versus the claim of delinquency.

3. **Balance and Past Due Amount : ** - The reported balance of {$440000.00} and a past-due amount of {$8500.00} are unsupported by any valid documentation. 

I have disputed this account several times and provided all necessary documentation to prove its inaccuracies, yet there has been no valid response from XXXXXXXX XXXXXXXX XXXXXXXX or the credit bureaus. Furthermore, the continued updates to this account without evidence or resolution show a failure to conduct a proper reinvestigation as required under **15 U.S.C. 1681i**.

I am requesting the following actions be taken immediately : 1.
Remove the account from all three credit bureau reports ( TransUnion, XXXX, and XXXX ) due to failure to validate its accuracy. 
XXXX. Provide detailed documentation, including payment records and verification from XXXXXXXX XXXX XXXXXXXX, to support the claims being made, if you believe the reporting is accurate. 

Failure to respond within 30 days will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies for non-compliance with the FCRA. 

I expect a prompt resolution and request all correspondence and documentation be sent to me at the address listed above. 

Thank you for your attention to this matter.
Product: Consumer Loan

Nissan is reporting past due. The account is current, payment of {$2000.00} has been done to Nissan on XXXX XXXX 2015, Monthly payment of {$450.00} was done XXXX XXXX, 2015. payments are current. Past due note in my credit report is affecting my score. Next payment will be XXXX XXXX, 2015.
Product: Mortgage

This company is misallocating funds. I have reached out to them on several occasions to resolve the problem. I would get hung up on and finally receive a notice with an explanation that does not make any sense. I let it go at first, but it keeps happening and I'm sure I am not the only person. I also had a problem with closing this transaction and the funds were also mismanaged. 

1st. occurrence - This loan was refinanced and the first payment was not due until XX/XX/XXXX - I made payments XXXX payments to the principle only prior to the initial due date and noticed on the statement they used a portion of it for the interest. I called to fix the problem only to get the run around, but I let it go because it was getting very stressful with being handed off to many representatives. 

2nd occurrence - On statement dated XX/XX/XXXX - I had an escrow balance of {$7500.00} a payment was made to my insurance company in the amount of {$980.00} and on the following statement it showed a payment to the Tax Disbursement in the amount of {$4700.00} - for a total amount of {$5700.00} which should have left me a total of {$1800.00}, however, when the statement dated XX/XX/XXXX came out, it only showed a balance of what was just added {$840.00}. I inquired about the balance and could not get a straight answer. 
After my escrow balance started all over from scratch, my escrow amount was not enough and they sent me out a notice that my payment would increase unless I paid the amount of {$360.00}, I paid the overage and my payment still went up. I didn't notice the increase until a few months later. when I inquired about the payment, they made a few adjustments on my account and reallocated more money into my escrow account. 
I pay biweekly with an additional {$150.00} per month going to my principle, these payments are automatic. After the adjustments were made, the company was now reporting that I missed a payment, they waived the first late fee, but didn't the 2nd month. This was reported to the credit company and dropped my credit score by XXXX points. This caused me financial harm with my other creditors. I reached out again via an email and they fixed the credit report, but then they messed up again, by placing a very low amount into my principle account and doubling the amount that was placed in the interest account. 
If you follow the paper trail, this situation should have been resolved immediately, but here I am frustrated with all of the money that has been misallocated, gone missing and just overall mishandling of funds. I set this account up to make my payments on time with a little extra to pay off this loan sooner, but the customer service and the lack of understanding caused me to submit this request.
Product: Debt collection

On XXXX XXXX I recached out to TransUnion to discuss things that should not be on my report. Unfortunately they did not disclose that the conversation was beaning recorded What constitutes consent is also an issue of contention when you are considering recording a conversation. In some states, consent is given if the parties to the call are clearly notified that the conversation will be recorded, and they engage in the conversation anyway. Their consent is implied. For example, we have all experienced calling a customer service department only to hear a recorded voice warning, This call may be recorded for quality assurance or training purposes. It is usually a good practice for practitioners to let the witness know they are recording the conversation to accurately recall and commemorate the testimony being given such as during the taking of a witness statement. I did advise the first young lady that she did not advise me the I was being recorded, and at which the time she began to say sorry. I then ask to speak to her supervisor and her supervisor said the same thing.
Product: Mortgage

My grandmother passed. I have lived in her home before and after she passed. I have kept up on all of the house taxes as well as the home insurance. A couple weeks after she passed, my uncle who was power of attorney did a quit claim and put the title to the house in my name, as the will and trust said I would inherit it as a gift. 

On XX/XX/2023 I received a piece of mail I had to sign for, stating that the estate was intend to foreclose because it was in violation of the borrower passing away and in default. I HAD NO IDEA THAT MY GRANDMA EVEN HAD A REVERSE MORGAGE. My uncle did not give me that information. Anyways I have until XX/XX/2023 to pay off the debt or my home will get foreclosed. I NEED TO FIND A WAY TO SAVE MY HOME. It is all I have, I am an individual with XXXX. 
I've read about XXXX LAWSUITS GOING ON AS WELL AS THE COMPANY COMPU LINK WHO TOOK OVER XXXX. IVE CONTACTED ATTORNEYS THEY SAY I MAY HAVE A POSSIBLY LAWSUIT.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out. 
( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


XXXX XXXX XXXX  XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - XX/XX/XXXX XXXX XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - XXXX XXXX  XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Product: Mortgage

I have not received a monthly mortgage statement since XXXX of XXXX. I have repeatedly contacted Carrington Mortgage every month for a statement and they refuse. It has been XXXX months since I last received a monthly mortgage statement from them. They would sometimes tell me that it must be on my end with the post office but I receive all my mail from credit card companies, electric bill, gas bill, etc., every month but not my monthly mortgage statement.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00}