23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Have attempted to remove an old bank account from my profile after successfully setting up auto-pay with my current bank account. Navient withdrew incorrect amount XX/XX/XXXX ( {$24.00} ) although I am scheduled to pay {$270.00} ( which changes with interest rates month to month ) each month via auto-pay. Incorrect autopay amount rectified as of XX/XX/XXXX but, in attempting to remove the old bank account, my autopay ( with the correct/new bank account ) was all together cancelled in error. Have contacted representatives at the NJ office XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Representatives have advised that tickets will be sent to their " back office '' to rectify the issue ... no return call/correspondence/resolution of the issue. I have come to the realization that there is nothing I can do to fix any sort of problem with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX XXXX , XXXX, VA XXXX Ownership Individual Original Creditor -  Company Sold-to
Product: Debt collection

My husband received a call that we have been turned over to a collection agency for a medical debt that occurred in 2013. He asked for a statement and told the collection agency that we would be happy to pay as long as we received a statement to verify the debt. He was told they did not have to provide a statement and this would be reported on his credit report. I in turn called them and attempted to have them send me a copy of the debt we reportedly owed but they refused. I have not received any written communication from the collector only a phone call.
Product: Credit reporting or other personal consumer reports

Infiniti Financial Servises was paid in full sometime XX/XX/year>. I had payments pushed to the back to the end of the loan and was not told that my maturity date would not be moved up. Apparently. even after I paid the loan off, it was after the loan should have been paid in full. INfiniti financial services reported my last payments ( {$2900.00} as written off ) on my credit report. This means they wrote that amount off as a profit loss. They failed to provide me with a 1099C so that I could write that amount off as income. They are still reporting the balance, like I still ow but it was paid in full and they wrote that amount off on there taxes getting a tax break and reporting it on my credit as if I still owe them without providing me a 1099c. This is fraud As per the FCRA, I can seek statutory damages if a creditor reports inaccurate info about a debt. Infiniti financial services did this by incorrectly reporting the debt was written off and still claiming I owe, and by not providing me a 1099C
Product: Credit reporting or other personal consumer reports

Corelogic openly admits, on their website they are operating in accordance with the FCRA XXXX XXXX XXXX XXXX DIRECT QUOTE : Credco discloses personal information only to companies that YOU have authorized to access your information or those companies that otherwise have a permissible purpose to access your information under the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA 605A 15 U.S.C. 1681c-1, INDIANA Code 24-5-24, and S. 2155 The Economic Gro wth, Regulatory Relief, and Consumer Protection Act Corelogic
must put a security freeze on my consumer disclosure file and consumer report.

FCRA 605A 15 U.S.C. 1681c-1 after receiving a request to place a security freeze, the consumer reporting agency shall, place the security freeze not later than 3 business days after receiving the request. Confirmation and additional information will be sent no later than 5 business days after placing a security freeze Indiana Code Section 24-5-24 shall place a security freeze on the consumer 's consumer report not later than five ( 5 ) business days after receipt of the request. Not later than ten ( 10 ) business days written confirmation will be sent.

S. 2155, The Economic Growth, Regulatory Relief, and Consumer Protection Act Statute at Large 132 Stat. 1296 - Public Law No. 115-174 ( 05/24/2018 ) TITLE III -- PROTECTIONS CONSUMERS, AND HOMEOWNERS ( Sec. 301 ) requires a consumer reporting agency to provide a consumer with free credit freezes followed by a confirmation
Product: Debt collection

Within just being 5 days late or even less at times, they call at least 5-6 times a day with 2 separate phone numbers.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA 's requirements. Disputed intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. Accounts : XXXX XXXX XXXX XXXX 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

I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Alabama, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. XXXX is showing Date Last Reported for XX/XX/XXXX, XXXX is showing Date Last Reported for XX/XX/XXXX, XXXX is showing Date Last Reported is XX/XX/XXXX. XXXX is showing Date Last Active for XX/XX/XXXX, XXXX is showing Date Last Active for XX/XX/XXXX, and XXXX is showing Date Last Active showing for XX/XX/XXXX. This is discrepancies on my credit report and the lenders think this account fraudulent. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Product: Debt collection

XXXX XXXX XXXX has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that XXXX XXXX system cease calling my mother 's home where I do not reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am the victim of identity theft. I had a collection account from XXXX XXXX XXXX placed on my credit report related to an address in Texas. I have never lived in Texas nor was I familiar with the referenced account. I filed a dispute and was notified by Experian that both the account and address have been deleted from my credit report. However, in reviewing my corrected credit report from Experian I noticed a new collection account had been listed related to a different address in Texas. Again, I have never lived in Texas. I contacted the new collection account, XXXX XXXX XXXX and reported the account and address as fraud. The representative for the company asked me about an email address that they had on file with the account and I had never heard of it. I have also filed a new dispute with Experian, XXXX, and XXXX. The credit reporting agencies say they can not remove the new fraudulent address in Texas from my credit report because a creditor ( XXXX XXXX XXXX in this instance ) reported that address related to an account. The account is fraud and they are reporting incorrect information! CRAs should be required to confirm the address and or account is legitimate once disputed by a custome. I previously placed a fraud alert on my file but that did not stop the credit reporting agencies from listing this new fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish account without my written instructions. 

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

I contacted XXXX XXXX XXXX several times at the end of XXXX and beginning-mid XXXX to notify them that I had changed jobs and my payday cycle was being changed. I told them that I would not be able to make my XX/XX/XXXX mortgage payment until the end of the month. Additionally I received a letter from the mortgage company that an additional {$140.00} was needed because the escrow was short. I contacted the company several times, and was told " no problem, as long as the payment is made before the end of the month it will not be reported to the credit agencies as being delinquent. '' I logged on to XXXX XXXX XXXX 's website on XX/XX/XXXX at approximately XXXX XXXX  to make my regular monthly mortgage payment as well as the additional money needed for escrow. The mortgage company did not process my payments until midway through the first week of XXXX. Additionally they sent me a follow up letter stating that they did not know what to do with the additional money I had sent them. XXXX XXXX XXXX reported me as delinquent to all 3 credit agencies, even though I made the payment before the end of the XXXX month. I had to make several phone calls to the company about what to do with the additional money I sent them. They could not find any record of a letter asking for this additional money amount. Then at the end of XXXX I received another letter from XXXX XXXX XXXX  stating that they miscalculated my escrow and wanted me to send them over {$2000.00} in the next 15 days to fix the negative escrow balance, or they were raising my monthly mortgage payment by over {$100.00} for 31 months to make up the balance! 

This company does not return phone calls. When I asked them to listed to my recorded conversations I was told they could not locate my calls. This was not a mortgage company of my chosing. My original mortgage company has been bought out and traded several times since originally getting my mortgage in XXXX. I have paid my mortgage every month, with the exception of when I was XXXX for several months due to XXXX on my XXXX back in XXXX, and at the time XXXX XXXX XXXX was not the mortgage company. I have always paid XXXX XXXX XXXX on time, with the exception of this one incident in which I called to notify them of a change in my paychecks. 

I am a XXXX who has been a frontline worker all during COVID. Despite living through and working a pandemic I always pay my bills on time. I am outraged that XXXX XXXX XXXX did this to me. As a result my credit has dropped from a XXXX to a XXXX. XXXX XXXX XXXX is refusing to correct this, and I am hoping you can help me.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCT NAME XXXX XXXX XXXX  ACCT # : XXXX ACCT NAME : XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT NAME : XXXX XXXX XXXX  ACCT # : 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. Further states a consumer reporting agency can not furnish an 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 my information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, PayPal closed my account as part of Reference ID : XXXX for what they determine to be a violation of their user agreement. At this time, I was informed that they would be holding the {$20000.00} currently in my account for up to 180 days. At this time I filed a CFPB complaint, which PayPal responded to and said their decision was final and that my money would be released on XX/XX/2021. 

Since this time, PayPal has, unprompted by me, reviewed the account again, and has issued me a second shutdown notice, Reference ID : XXXX, and told me that my money would be held for 180 days ( presumably from this new date ). 

They have now reset the clock on the hold, and can presumably do this indefinitely with no recourse on my end. This amounts to theft. The money in my account is there as a result of a refund that arrived the day before I was shut down, and is not even related to the reason they have stated for closing my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 paymen t reported in 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: Credit reporting or other personal consumer reports

FINAL NOTICE! 

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I sent a letter certified mail requesting a review of my account. I wanted a refund of the excessive late fees, interest, and other fees. Also, I wanted to reach a payment settlement to have the debt paid and removed from my credit report. My credit limit is {$100.00} but Comenity has charged me over {$1600.00} as a balance. When I called Comenity, I was told my account is current and is not eligible for a settlement. If I am current, I should not have late fees. I just want the account settled and removed from my credit report.
Product: Checking or savings account

My name is XXXX XXXX I made a complaint a few weeks ago, because chase Bank branch XXXX XXXX, didnt pay a check I deposited into my account, I was helping a co worker who need to cash her check asap, I paid the money to XXXX from my pocket. 
Someone with the name of XX/XX/XXXXfrom executive office I believe! Her number is XXXX XXXX ext XXXX She said to me, she will fix the problem! Im still waiting to returned the money to the company who make the check, so this company will reimburse me with another check!. 
Please contact me if you need more information about this matter, the owner of the company already spoke in person with the manager branch in the XXXX! Give a letter the manager requested to start the process to get the money back and so far nothing is happening! 
Any other question please call my cellphone XXXX XXXX XXXX Tha owner of the company who wrote the check his name is XXXX XXXX his number is XXXX XXXX XXXX. 
Chase bank XXXX XXXX XXXX Account number checking : XXXX Account number savings : XXXX Branch XXXX Phone number XXXX XXXX Held checks : Paycheck {$1000.00}