23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXXXXXX, XXXX. ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX XXXX XXXX ACCOUNT XXXX XXXX {$24000.00} XXXX ACCOUNT XXXX XXXXXXXX {$0.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XX/XX/2023 ] To Whom It May Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ Discover Credit Card ] This information is obsolete and should no longer be appearing on my credit reports ; please delete it.

This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter.

Truly Yours, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to make an online purchase and my card was declined. I new I had enough money to cover the purchase so I logged into my account to see what my balance was and noticed that I had no money available. I began reviewing my transactions and immediately new that some of the transactions were not made by me. I never lost my card or had it stolen, I still have possession of my card and no body knows my PIN but me. I immediately tried calling the card company but the offices were closed so I disputed these transactions online. On XX/XX/XXXX I called the card company to follow up on the dispute I filed online. I was asked to send a letter via email listing the transactions, merchant name and amounts. I informed them that I still had my card and they stated that my card would be canceled because my card could have been copied at a gas pump, and a new one would be mailed to me. On XX/XX/XXXX I received a letter informing me that a final determination had been made and no credit would be credited to my account. I contacted the Company again and emailed them informing them that the reason they provided was not possible.
I called the card company requesting documents they used to determine the final outcome. on XX/XX/XXXX I received the documents requests along with a letter stating that the activity indicates a consistent pattern of use related to the reported transactions. The transactions being disputed are consistent with my previous account activity, such as the merchants shopped and their physical location and that I had benefited from these transactions. I contacted the company to inform them that there reasons were in fact false. The XXXX transaction of {$60.00} was from a XXXX I 've never used before and I could n't pump {$60.00} worth of gas in my car. XXXX XXXX for {$66.00} I 've also never used this store in my life. XXXX XXXX for {$42.00} and {$11.00} I have never used this store ever. How can these be consistent with previous activity in my account if I have never even set foot in these stores in my entire life? The XXXX, XXXX XXXX XXXX, XXXX, and XXXX transactions are absolutely not my purchases but because I 've shopped at these stores before means these are my authorized transactions? Who has not made a purchase at a XXXX or ate a XXXX 's XXXX? While these fraudulent transactions were being made I never lost possession of my card. I continued using my card without any knowledge of these fraudulent transactions up until my card was declined. My transactions show my purchases I know I made and the fraud one mixed in with my purchases. All the fraudulent transactions were used without my PIN. It has now been over two months and I am still out {$590.00}. If I could get the time the these purchases were made to compare with my purchases we could help prove these are not my purchases nor did I authorize them. My PIN was never used and I am curious if an actual credit card was presented or was my card number manually entered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a

( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting.

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.

In addition based upon USC 15 1681 ( c ) ( 2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt. It has been beyond 30 days and I would like this false information removed because it is inaccurate and causing financial damages. 

This does not comply with the subchapters of the FCRA ( Fair Credit Reporting Act ) and if you do not remove these inaccurate accounts I will have my information removed from your database and no longer do business with any financial institutions that uses your company to receive my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Delinquent Account from Santander Bank from a car loan. 
The Delinquent report is over XXXX years old and should have been removed from my credit report. Santander Bank recently reported a derogatory mark on my credit report two times. One dated XX/XX/XXXX, and another dated for XX/XX/XXXX. These reports are false and INCORRECT. 
The account I had with Santander was open in XX/XX/XXXX OVER 7 YEARS AGO. The recent derogatory marks they are reporting is incorrect and have impacted my credit drastically. For that reason I have been denied Housing and other necessities. I am 7 months pregnant and need to find housing and I was recently denied housing because of this delinquent report from Santander. The Derogatory mark shows as if I have had a recent repossession or voluntary surrender which is FALSE and is affecting my ability to obtain housing. Below I attached the report I received from an Housing company that denied me for this Delinquent remark on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered! I have been sending dispute letters to the Credit Bureaus regarding the removal of the fraudulent information from my Credit report and yet they have done NOTHING! The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information such as Driver 's license, my SSN, and proofs of address to inform the Credit Bureaus that it is me who have been submitting the complaints. I have read that the Credit Bureaus are required to remove any account that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I have been highlighting this Federal law to my letters to remind the Credit Bureaus about heir obligation. Also, I have been asking the Credit Bureaus that they provide me copies of documentation bearing my signatures to support the Credit Bureaus ' claims that the disputed accounts belong to me and yet they have also failed to do so! These accounts were never mine! And neither did I received anything in exchange nor benefits as a result of the identity theft! under the FCRA section 605b, I would greatly appreciate it if the Credit Bureaus would remove these items completely from my Credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}
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 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, has violated my rights. 

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: Money transfer, virtual currency, or money service

Paypal consistently XXXX its customers. They are the most greedy, pari-mutueling money changer on planet earth. 

This person : XXXX XXXX XXXX I demand that Paypal investigate her, they, or it for a scheme to defraud me & perpetrate fraud upon others Online & Offline vis-a-vis their XXXX XXXX whom condones Every criminal & illicit activity known to Man including but not limited too : the sale of All.illegal drugs, weapons, documents, XXXX XXXX, and human trafficking freely on their servers without following USA Domestic & international Laws , Ordinances, and Regulations. Paypal is part of this by accepting and delivering payments to known Chronic Criminals, and festering Liars as XXXX XXXX! 

XXXX XXXX is a criminal, thief, scammer, and human trafficker whom Paypal allows and condones on their site & servers. She also uses XXXX XXXX & XXXX XXXX as Aliases! 
Her, it, they Fake name on XXXX is : XXXX XXXXXXXX. She stole XXXX XXXX XXXX from me and I demand Paypal ban her, XXXX XXXX and XXXX XXXX per alias into Perpetuity! 

XXXX XXXX has canceled a money request Canceled request details Amount requested $ XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

I have not received my work check ( direct deposit ) into my Wells Fargo account twice since I have been a member. The banking system has a glitch and is freezing accounts without our knowledge. I have received over-drafts due to the bank not depositing my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute regarding the removal of old addresses and employers from my XXXX & Equifax credit report. According to consumer protection laws, I have the right to ensure that my credit report is accurate and up-to-date. 

I have noticed that my credit report still contains outdated addresses and employers, even though I have requested their removal multiple times. These addresses and employers are no longer associated with me and have not been for some time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I believe that XXXX & Equifax has violated the Fair Credit Reporting Act by not removing these outdated addresses and employers. According to the FCRA, credit reporting agencies must ensure that their reports are accurate and complete, and must investigate any disputes that are submitted to them. 

I am requesting that XXXX & Equifax immediately remove these outdated addresses and employers from my credit report, and provide me with written confirmation of their removal. I also request that XXXX & Equifax provide me with a free copy of my credit report to ensure that all other information is accurate and up-to-date. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

This account was fraudulently opened in my name using my personal information as well as changing personal information of mine. I never opened this account and was not aware of this account until obtained a credit report. Ive emailed all attached documents to all 3 credit bureaus as well as mailed a copy to your company
Product: Credit reporting or other personal consumer reports

Companies Involved : XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The companies listed have reported the following accounts improperly and illegally. 
I respectfully request that these accounts be removed from my credit profile with all deliberate speed. 

XXXX XXXX : this account has XXXX balance. Please remove. 
XXXX XXXX XXXX  : this account has XXXX balance. Please remove. 
XXXX : this account has been charged-off, Please remove Under FCRA guidelines these closed and charged-off accounts need be deleted from my profile.
Product: Credit card

Hello! I am writing you this letter because back in XX/XX/2016 I had made a electronic payment to Capital One for {$150.00}. When I received my next statement in the mail it was showing that I was behind a payment. Finding this to be odd since I was given a conformation number showing the payment had been received, I called Capital one to find out what happened. Capital One first said I closed my account. This was not the case, I explained how I have had this account for years. doing further research they found it was a mistake on their part. They told me it was the person who entered my payment entered the wrong account number. I was totally understanding and the said they would wave the late fee and print me a new statement showing the correction. I sent out a payment of {$50.00} in the mail right after our conversation. Now my next statement comes in the mail. I open it to see I owe more late fees. I call Capital One again. I explain what was happening, they put me in touch with one of their specialist because I ca n't afford to pay the high payment that they say I owe. I explain to the specialist what happened, we make payment arrangements. The specialist expresses how sorry they are that this had happened. She also said I still had {$300.00} on my card I can Use. And told me no late fees will show on my account. Just out of couriosity I try to use my card the next day and my card was declined. Each time I try to settle this matter with Capital one we get disconnected when we get to the part of the convertation where we start to figure out a plan to resolve this matter. This has happened 4 times. The disconnection has always been on Capial One 's part. I am very upset to find Capital One has put this dept in the credit beru. 
Now it shows against me in my credit report. I have written to them trying to straighten out this matter but, I still get disconnected.
Product: Mortgage

The issue is with Greentree now Ditech. I received one of the first loan modifications from Greentree. The original modification agreement did not include a provision for " Deferral of Principal ''. Several months later, maybe even a year, I received additional documents that Greentree wanted me to sign to accept the " Deferral of Principal ''. I declined and did not sign the documents. I then received many phone calls telling me is was in my best interest to sign and return the documents. The phone calls began to get aggressive but I stood my ground and told them that is was their error, it 's not included and I wo n't agree to have it included now. That seemed to be the end of it until I went to get my payoff and the " Deferral of Principal '' was listed and included in the payoff balance. I have sent correspondence to Ditech who now services my account but with no results. I 'm hoping that this complaint made through your office will help me get a correct new payoff
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX XXXX XXXX XXXXXXXX. Acct. XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Acct. XXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX XXXX XXXX. Acct. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations.

I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA.

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX