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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE DISPUTE THE ORIGINAL ONE WAS SOLVED IN MY FAVOR HOWEVER THE UPDATED CONSUMER FILE INCLUDED MORE INFORMATION SO I ATTACHED A NEW DEMAND LETTER POLICE REPORT DRIVERS LICENSE AND UTILITY BILL FOR VERIFICATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has re reported information on my report and it is damaging my credit worthiness. The accounts XXXX XXXX XXXX and XXXX XXXX XXXX was deleted from my report XX/XX/2019. To date it has been replaced on my reports and I received no notifications of it being put back. Per FCRA 611 ( a ) ( 5 ) ( B ) Credit File report ending in # XXXX they are to notify me if they are placing an item back onto my report. 

I spoke with a Manager who insured this would not happen again, and it did. There is a XXXX balance on the account.. 

I request that these 2 accounts per FCRA 611 ( a ) ( 5 ) ( B ) be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX . Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home XX/XX/XXXX. XX/XX/XXXX XXXX, XXXX, and XXXX remarks says I closed my account and dropped points. The three credit bureaus status changed to " settled for less '' and dropped my XXXX XXXX XXXX points on each bureau. I contacted the creditor Towne Mortgage, they stated " We sent paperwork showing you paid your mortgage in full ''. I contacted The three credit bureaus and explained that I sold a house and it is PAID IN FULL. I did not settle for less but My credit score keeps dropping. XX/XX/XXXX I spoke with all credit bureaus they all said Towne Mortgage updated the remarks in my credit file and stated I settled for less and closed the account.
Product: Vehicle loan or lease

Capital One Auto Finance harassed me with false advertisement to discriminate me and remove me from auto financing as they send me about 10 pre-approval from Capital-One Auto Finance from serval auto dealers that include, XXXX XXXX XXXX XXXX in XXXX, however I can not locate all their advertisement but have addition a few. ( Attached as Exhibit ). 
I considered an Auto loan from Capital One because it was pre-approved and you just enter an online approval number that forward my information to the XXXX XXXX XXXX that given me an XXXX appointment at special sale event, wherein to bring copies of my pay stub, Driver License, and a bill. 
I received about 20 telephone calls from the XXXX XXXX to come with my document to pick-out an auto. XX/XX/XXXX I came into their office and submitted my documents and test drive a XXXX XXXX approved to take home with no money down. 
As my nephew ( XXXX XXXX XXXX. ) received a loan from the XXXX XXXX earlier that year for about {$21000.00} with a XXXX credit score and no driver license and some collection on his report to make unions happy, but I decided this was not the auto I wanted and sought to gather money for a down payment as the Special Finance Manager XXXX XXXX indicated my approval was until XX/XX/XXXX. 
Before I could returned in XX/XX/XXXX I received notice from Capital One and XXXX XXXX XXXX they did not want to finance as they said mu score was XXXX. Where in fact, they financing people with slow credit, no driver license and low credit score and my score was higher it was between 608 and 622. ( Attached as Exhibit ). 
These people harassed me for a year with pre-approval and telephone calls and false advertisement for over a year to come in and get an auto and once approved reversed their decision that has cause me further discrimination to remove my name from the system and worked with the Capital One, XXXX XXXX and the XXXX XXXX XXXX to implement organized discrimination and cover-up with the credit bureau. 
As you may not know As these people work with the credit cards and credit bureau and can change your score every day sometime, they have people steal your information and assist with fraudulent charges to have you close your accounts to reduce your credit score to cover-up discrimination, as they work with governments, unions and lodges as this is one of the reason XXXX has become one of the most violent city in America.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and on XX/XX/year> I have submitted and resubmitted letters requesting proof of verification of a bankruptcy listed on my Experian credit report under my public records. As of today, it has been beyond 60 days and I have not received any verbal or physical notice of proof of verification of this bankruptcy. I have reached out to the XXXX Bankruptcy Courts to ask how verification of bankruptcy is verified by them. I received a response in regards to the courts providing that bankruptcy is not verified by them directly to any credit bureau. That information was passed along to XXXX, after their investigation with their source XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX it was determined : data being reported as unverifiable. After XXXX investigation the information has been removed from their records. That information within a letter form has been passed along to Experian for update on credit report, and no action has been taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared Chapter XXXX bankruptcy. XXXX XXXX stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( XXXX XXXX ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to Transunion, XXXX XXXX XXXX credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX this account has four different violations reporting at once This account is in violation of FCRA 623 ( A ) ( 3 ) notice of dispute which was disputed on XX/XX/XXXX. The required date for the notice of dispute should have been entered by XX/XX/XXXX. 
The date last active is different all on three bureaus. I was disputed XXXX XXXX XXXX XXXX XXXX The date last reported was disputed on XX/XX/XXXX and it doesnt reflect that the account was actually verified because the last report date is XX/XX/XXXX. I have since disputed this account several times after that date. No real investigation ever took place. 
Theres continued payment history well after the account was closed. Closed accounts shouldnt have payment history at all
Product: Credit card

On XX/XX/2022, an account at chase bank was opened, that I had no knowledge of. My social security number, birthday, address and other personal info was provided. I called within 30mins to chase to close the account and to say I never opened the accounts. A debt account was also opened. When I received the cards in the mail at the end of the month I called chase bank again, to find out the debt card was not closed. This month, XXXX I received a letter from chase that {$700.00} was withdrawn out of the debt account. I called again to find out it was still not closed. After 2 hours on the phone I finally got the accounts closed and filed as fraud. Today XX/XX/XXXX, my sister XXXX XXXX also had a credit card applied for at chase bank.
Product: Money transfer, virtual currency, or money service

My issue is with PayPal Credit. 

On XXXX/XXXX/17 I purchased an item from a seller on eBay and paid the seller using PayPal Credit ( {$130.00} ). 

Sometime after this transaction was completed, my XXXX account was compromised and the fraudster changed my contact and address information ( I did n't learn of this until several weeks later ). The XXXX seller shipped the item to the fraudster 's address, so I never received it. I contacted eBay and they confirmed that my account had been compromised, so we changed passwords to rescuer the account. 

In the meantime, I filed a dispute with PayPal ( dispute ID XXXX ). I was just notified by PayPal that they declined my claim, as they confirmed that seller had shipped product. YES, SELLER SHIPPED PRODUCT TO THE FRAUDSTER 'S ADDRESS AND I DID NOT RECEIVE. I should be covered under PayPal 's Buyer Protection promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681. The letters are stated with items and issues. 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 reporting or other personal consumer reports

My account with XXXXXXXX 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 XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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: Mortgage

Following SunTrust Banks repeated mismanagement of our escrow account, My wife and I have been trying to get the bank to close the escrow account since XX/XX/XXXX. They have refused to do so. 
On XX/XX/XXXX SunTrust sent a letter stating six ( 6 ) requirements needed to be met before they would remove  the escrow account. 
On XX/XX/XXXX we sent a letter by Registered Mail to  SunTrust showing that all 6 requirements for closing the escrow account had been met and again requesting that they close the escrow account. 
The registered letter was received by SunTrust on XX/XX/XXXX as evidenced by the registered return receipt. 
As of XX/XX/XXXX SunTrust has NOT responded to our letter and has NOT closed the escrow account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my PayPal account got permanently Limited and thus I have been banned from conducting any business with PayPal, including withdrawing my outstanding balance of {$1200.00} on account using email address ( XXXX XXXX and there has been a 180 day hold on the money.I have been conducting regular business and Withdrawals through PayPal, no drastic changes have occurred on the account so I feel I was unfairly cut off by PayPal as they did not specify their reason as to why they have decided conducting any further business me would be a risk.This account freeze ha out a stop on my business I hope to have my account reinstated soon.
Product: Debt collection

Approximately XXXX is in debt due to a co-signed account. I have notified navy federal to contact my lawyer due to me filing a civil suit on my behalf of the auto loan that was not in my name back in XXXX of XXXX. I will be filing a civil suit against the account holder and would like to stop receiving phone calls. XXXX will no longer let me file a dispute and I have only filed once
Product: Mortgage

Wells Fargo home mortgage has forced insurance and escrow multiple times claiming they dont have proof of insurance. Every department Im sent to has a different story. I paid a large sum inXX/XX/2018  to get out of foreclosure and Wells Fargo owes me {$1900.00} for overpayment. They have done the same thing again however acknowledging my insurance but will not adjust my payments and are holding an additional {$2100.00} overage in escrow. They are threatening foreclosure and sent a refund check of over {$800.00} for misappropriated funds.
Product: Checking or savings account

Venmo closed my debit card and said " Were writing to inform you that we've detected some activity on your account that appears to be in violation of our User Agreement. Engaging in this activity is high risk and may leave you or others vulnerable to fraudulent payments and scams, both of which can lead to financial loss. Because safety is our priority, we have made a business decision to close your Venmo Debit Card. '' I don't believe I even used the debit card so I don't know what activity violated anything in the agreement. I have not received any information from Venmo about this sudden closure.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number - XXXX Account Name - XXXX XXXXl Account Number XXXX XXXX  Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

Experian Account Name - XXXXXXXX XXXX Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 USC 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

A {$500.00} purchase had been disputed with Bloomingdales because of non-receipt. A claim had even been submitted with XXXX, and it had been determined that the product had been lost and the {$500.00} was removed from balance. After over a year- Bloomingdales put it back onto my account, and even after monthly calls of being told that it was NOT my responsibility, and to ignore my statements, they began charging interest and reported negatively to all my credit bureaus. I have communicated with collections, citicard, bloomingdales customer services, supervisors, and they had ALL said to ignore the statements, AND told me they were removing charges and it would NOT affect my credit.
Product: Money transfer, virtual currency, or money service

On Thursday evening, XX/XX/XXXX around XXXX I used Western Union to send money to a person in XXXX XXXX Michigan because he needed the money immediately as a service that Western Union has been known for decades. 
I used the Western Union app ( online ) to make the transaction for convenience and because the fee was cheaper than driving to the various locations throughout my city. Western Union offers the opportunity for me to use my bank checking account only to send money and not my debit card as they do when you go into their locations in person. After I completed the transaction, I got an instant text with the conformation number to send to my receiver to alert him of the transaction number and to give him the green light that he could go to any Western Union location to receive the money. 
On Friday, XX/XX/XXXX, my receiving party went to a Western Union location to receive the money as was told that the money was not available. However, the money had cleared my checking account. On Saturday, XX/XX/XXXX, my receiving party went back to the Western Union location and was told again that the money was not available. 
This morning, Sunday, XX/XX/XXXX, my receiving party was told that the money still was not available, so at this point I am confused and upset. Therefore, I called Western Union again with my transaction number and ask why is the money not made available immediately to my receiving party and their response was that they HOLD the money for 6-7 business days not including the weekends to wait for a report from the bank?!!! Also, that it would take the same amount of time to refund the money back to my account. I then proceeded to explain that this was not explained on the website before I made the transaction as I would have traveled to a Western Union location to make the transaction so that my receiving party could receive the money immediately.

I have never known Western Union to hold money as they advertise that money is sent and received immediately and if their is a variation in this service in the 21st century by sending it online, then that needs to be explained beforehand because  traveling to the locations is the old way of doing business.
Product: Debt collection

After the complaint about the unfair practices that Credit Acceptance, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has stolen my Identity associated with the last 4 social security number, XXXX, has sold my information to 3rd party debt collectors violating my consumer rights through the 15 USC 1692, 18 USC, 8.

The unfair practices continues to affect my credit score negatively.

These companies are committing identity theft. Please remove these inaccuracies.
Product: Debt collection

I contacted CCS about still have the XXXX XXXX  amount owed t settled and paid this and there is a XXXX balance and the amount is closed it is still showing on my credit report as active
Product: Credit reporting, credit repair services, or other personal consumer reports

As I am a U.S. Citizen, a natural person and I am a human being and I have a right under US 15 1681. 

Equifax is governed by US 15 1681 and the violated my rights numerous times. I demand that the accounts listed below be removed because According to US 15 1681, I have a right to privacy and I did not give Equifax written permission to furnish these accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX  - Account # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX recently added a XXXX  day late payment to my credit report for an account that has since been closed since XXXX. There hasnt been any late payments to this account and this issue was updated and resolved by XXXX XXXX in XXXX. As of last week, XXXX XXXX card has added a late payment to a closed account for XX/XX/XXXX out of the blue. Im not sure why XXXX XXXX  has added this information because I have credit reports reflecting no late payments from this company and it was paid never late. I dont understand why XXXX XXXX would update a closed account with incorrect information and would like it to be removed as the account was never late.
Product: Student loan

I requested a refund on XX/XX/2022 for a fully-paid student loan account and have not had my account balanced updated or the refund processed yet. There is only a single payment for the entire account so I expected the process to be fairly fast. Zero communication has been given to me through email notification or phone call, which is unacceptable because it does not let me know if the request has gone through properly. This leads me to assume there was some incompetence with the handling of the refund request and want the issue corrected. The refund is for payments during the COVID forbearance period and I need this issue to be handled in a timely manner.