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

I am writing to formally dispute the inaccurate late payments associated with my XXXX XXXX XXXX XXXX credit card account XXXX for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which appear inaccurately on my consumer report. This information incorrect and is negatively impacting my credit report and, consequently, my means of living. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my consumer report. Under 15 U.S.C. 1666b, I demand the immediate removal of these inaccuracies.

I would like to point out that I have not received any of the required documents as cited in 15 U.S.C. 1637b. The absence of this information further supports my claim that the reported late payments are erroneous. 
If these inaccuracies are not corrected and removed from my credit report in a timely manner, I will be compelled to pursue all damages allowable for willful non-compliance under 15 U.S.C. 1681n. This request is made under the principle that any negative reporting that does not accurately reflect my payment history should be removed. Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report. 
Please investigate this matter promptly and provide me with written confirmation of your findings and any actions taken. 
Thank you for your attention to this urgent issue.
Product: Credit card or prepaid card

I had a cr card for the XXXX XXXX XXXX catalog. I was assessed a late fee. Customer Service EXCUSED the {$37.00} late fee. No balance. Comenity Bank was acquired by Bread Financial. They started to bill the late fee plus interest, even after I closed the account. I sent 3 messages about this. They call me day and night3 times this week while on vacationasleep in our hotel. Texting. Its harassment. I do not owe the late fee plus interest : {$46.00} I suffer migraines at age XXXX. 
I need my sleep. 
Please make them stop. 
The fee was excused!!!
Product: Debt collection

I was contacted by this company in XXXX about a debt that I didn't realize was still outstanding. I asked them to send me a statement which they did. I had made two monthly payments, one of {$20.00} and one of {$25.00} to them.The total bill at this point is {$100.00}. I forgot to send the payment in XXXX so on XX/XX/XXXX at XXXX we received a call about the payment. My husband let them know that I would be sending a payment online.I told them I would be making another {$20.00} payment and my husband was told they would not accept any payment under $ XXXX.The customer service rep continually hounded my husband to set up automatic payments. When he told them that we weren't interested in doing that customer service rep said that they would be reporting to credit bureau and it would affect our credit.
Product: Debt collection

Hi there, thank you for your time in reviewing this complaint. Please excuse my memory with dates and times, I have XXXX and it makes it very tough. Around 2014 I got a job with " XXXX XXXX '' and when I hit 6 months I was able to get health insurance. I finally was able to go, and only went in 1 time for a XXXX, and showed my XXXX XXXX XXXX XXXX card. Only thing I can think of is that they didn't use my insurance card and just billed me?? Or that when taking my insurance card something was entered wrong?? Possibilities are endless. Also after having that job I moved to Oregon. Recently I looked up my credit and didn't know I had a collection. I will be buying a car for my new wife and newborn in XXXX. I've contacted as many people as I can and getting nowhere. The original creditor is XXXX XXXX XXXX, and now is in collection at XXXX XXXX XXXX, and looks like they reopened the claim. Please I beg that we can resolve this. I'm getting hit hard with XXXX and then this.
Product: Money transfer, virtual currency, or money service

Case Description : XXXX XXXX seized by PayPal date that seized funds : XX/XX/2020 many time they are said it is damages cover of XXXX violation ( XXXX USD for each violation ) but no details about that violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$810.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Mortgage

I called my mortgage company requesting instructions for removing the escrow. I have owned homes previously without an escrow requirement and have always paid property taxes and insurance as required. The escrow requirement was put in place because we put a down payment on our current home of less than 20 %. However, we bought the home at a below market price, and once our previous home sold, put over {$150000.00} in cash into the current home for improvements. When I requested removal of the escrow, the mortgage company cited RESPA guidelines stating that my mortgage balance must be less than 80 % of the original purchase price of the home. Considering the money we put into the home and my past history of paying taxes and insurance in a timely fashion, I feel this is highly unreasonable. I am willing to have the property re-assessed at my expense in order to validate that the balance is now well below the 80 % threshold, but the RESPA guidelines do not allow that. These guidelines need to be amended for people who have worked hard to put money into their homes to enhance the value and no longer wish to be subject to escrow requirements.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681. The accounts listed below have egregiously violated my right to privacy and the accuracy of reporting :. Account Name : XXXX XXXXXXXX XXXX XXXXXXXX. Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX My Credit Report was updated in XX/XX/year> to which the Credit Bureau knowingly furnished inaccurate and incomplete information.

15 U.S.C. 1681 Sec. 602 ( A ) States I have the right to privacy.

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.

Under 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy in their reports. This has clearly not been done in my case, and the errors remain unaddressed.

Under 15 USC 1681i ( 5 ), it is the agencys responsibility to promptly delete or correct any information found to be inaccurate and incomplete during a dispute. Despite this legal requirement, the inaccuracies continue to persist on my report, causing unnecessary hardship.

Under 15 USC 1681s-2 explicitly states that furnishers must not report information they know, or have reasonable cause to believe, is inaccurate. These accounts have been reported in violation of this law.

Thank you for your prompt attention to this matter. 

XXXX XXXX
Product: Consumer Loan

West Lake Financial with rip you off ... I had my loan ( around {$4600.00} ) since XX/XX/XXXX interest at 29.9 %. I was excited because I could n't get a loan anywhere else unless I put more money down. My loan was for 34 month {$200.00} a month and I paid a lot more when I could to pay it off quicker. I made my payments on-time for years until I lost my job XX/XX/XXXX. I was caught up with my payments until the last month which it should 've been paid off. I called them to get an extension for the last payment which they said okay ( but they did n't ). Contract ended in XX/XX/XXXX the next few days later. They actually came and repossessed my truck before I had time to make the last payment. Yes they waited until my contract was up to repo my truck after having it for 3 years of on-time payments. There is no way my contract was up before my loan was paid off. I only had one payment left on the loan. I called them and they said I was making {$2.00} payments a few time on my account so my balance was {$760.00} without they repo. No one would give me answers on why and how this happen when my bank account says different. YES they said I made {$2.00} payments, not to mention it cost {$5.00} to even make a payment online. Why would anyone attempt to make a {$2.00} payment and be charged {$5.00} to do that. If I had the money I would get a lawyer to sue these scammers. They pretty much robbed me. Not only did they do that, but West Lake Financial have not been reporting my on-time payments to the credit bureau or correct balance/credit limit either. WOW right. And to say I owe them seven hundred and something dollars when I know they auctioned it off for over two grand. I am lost for words. Do n't get loans from them please. They butter you up just to eat you ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  Balanced Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced OweXXXX XXXX {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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: Payday loan, title loan, or personal loan

Re-submission due to company inaction For the previous several months, I've received dozens of e-mail and postal mail notifications of " pre-qualification '' for a loan from One Mail Financial ( " OMF '' ). After checking ( apparently censored ) reviews of OMF available at XXXX XXXX ( see attached screenshot,  XXXX ), I opted to apply for the minimum loan offered by OMF, {$1500.00}. I completed the application form, and agreed to allow OMF to pull my credit report, resulting in a " hard inquiry ''. I applied and was surprised to be offered a $ XXXX " secured '' loan in lieu of the {$1500.00} installment loan I applied for. I decided to dig a little deeper into reviews of this company and found 100s of complaints of this exact behavior ( see attached image XXXX  ). The story is the same each time ; the company lures prospective borrowers with promises of easy terms, then after capturing the applicant 's data, OMF offers completely different product. Now, I don't know if this would be considered a bait & switch scheme, but it's certainly misleading, damaging to applicants, and hopefully illegal.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I've always made sure that payments on this account are timely, ensuring they are never overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is listing an incorrect Social Security Number on my credit report in the Other ID section of the report. 

They list it as XXXX XXXX. It was reported on XX/XX/2016. 

I have never had this Social Security number and it should be deleted from my credit report.
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 XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX IN : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am the victim of fraud. My PayPal account was hacked and the fraudsters took my personal information and attempted to open various accounts in my name. I've contacted the XXXX CRAs and frozen my credit. I've contacted PayPal to report the matter. I've received a business credit card and credit card reader from XXXX. I did not apply for the card or the credit card reader from XXXX. The hack at PayPal has resulted in multiple accounts opened in my name. In addition, I've received a phishing email from XXXX. I don't know what to do and am concerned about the long lasting impact of such a hack. I am requesting PayPal to investigate this matter to identify the origin of the hack and notify me of the results. I am requesting that PayPal provide me with a fraud monitoring service free of charge and make me whole for the harm that has occurred. I am requesting that PayPal identify the impacted population of consumers affected by the hack. I request that PayPal strengthen their safeguards to prevent the recurrence of such matters.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, CREDCO add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with Equifax, XXXX and XXXX to remove the inaccurate personal information from my consumer report, but they keep reporting this on my consumer report. I have sent them certified letters for over 5 months and they are ignoring my efforts and this is unfair, illegal per the FCRA ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ) and IS VERY frustrating. The only personal information that should be reporting as accurate on my consumer report is as follows : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX MY DATE OF BIRTH IS : XX/XX/1991 I have informed them of this along with my identification card, current utility bills as well, and I have also let them know anything else that they are reporting is incorrect and to please remove it from my consumer report. If you need any type of documentation, I will be happy to provide it for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out four dispute letters each to XXXX, Equifax, and XXXX, all certified mail, and have not received ANY correspondence although it has been confirmed that my letters have been received via tracking from the United States Postal Service. Each reporting agency also received a copy of my consumer report detailing the many inaccuracies, inconsistencies, missing data, etc. I made sure to point out each and every mistake. 15 U.S. Code 1681i provides the procedure and rules they are to follow when information is being disputed by a consumer. None of this was followed. I do not believe an investigation was ever initiated. I didn't receive any physical letters, emails, alerts, notifications, -nor did I receive a copy of my credit report upon the completion of my investigation as I requested in all of my dispute letters. 15 U.S. Code 1681 ( a ) ( 4 ) states that the reporting agencies are to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Section ( b ) further details that the reporting agencies are to carry out these procedures in a manner which is fair and equitable to the consumer, with regard to confidentiality and accuracy. This has not been the case. They have not been fair, and my right to privacy is not being respected. In fact, my right to privacy is being repeatedly violated by the following financial institutions : XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ The same account is reporting twice! ] ; XXXX XXXX XXXX XXXXXXXX ; [ MAY ALSO BE " XXXXXXXX XXXX XXXXXXXX '' ; if not, this is in violation as well ] XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX. There is no confidentiality being that my nonpublic personal information is being shared to nonaffiliated third parties without my permission. I did not provide any of these companies with any expressed consent to furnish information onto my consumer report. This constitutes as identify theft and this is against federal law according to 15 U.S. Code 6801 and 15 U.S. Code 6802. I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Overall, I am not being treated fairly, any my privacy is not being protected by any means. I have wasted money, time, and energy fighting this matter and I really hope you can help.