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

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX  / XXXX  ) Account number # XXXX, ( KOVO INC ) Account number # XXXX, and ( XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status ( XXXX XXXX XXXX ) Account number # XXXX, ( KOVO INC ) Account number # XXXX, and ( XXXX XXXX Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for XXXX  every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.
Product: Credit reporting or other personal consumer reports

The following account is still showing on my credit report, I have already disputed this with all three bureaus but they are still reporting it, I am including a copy of a recent FTC report : XXXX XXXX {$6000.00} XX/XX/year>
Product: Bank account or service

I applied to Suntrust Bank to open an account and i wrote a personal check for XXXX $ as initial deposit on XX/XX/XXXX2016. A few days later account was closed for no reason and up till today i am yet to get my money refunded. i have submitted evidence to suntrust and filed a complaint with XXXX where the check originated and i yet to get my money back since XXXX 2016.
Product: Debt collection

I started getting the calls in XXXX of 2023, I sent letters to verify the dept. Show me my original contract with my signature and the card agreement. Also the proof that you have the right to sue for the dept. All they did was send me court papers with a copies of one of my credit card bills. I asked again, I have yet to get any reply.

I sent a letter to cease contacting me at my home and job XX/XX/year>2023. From that time to now, the call me 6 or 7 times a day. And 6 or 7 times at my Job. My Boss has gotten on the phone several times and ask them not to call, nicely and not so nice and that this is a business. That stopped nothing. 
They call every day except Sunday. Its been going on for 2 years now and my Job is not being understanding anymore. This week alone I have 30 and its just Thursday. I can only imagine how many the shop is getting. I'm really starting to get in fear of loosing my job if this doesn't stop.

I've seen this on t.v. but I never thought it would be happening to me.

I appreciate anything you can do to help. 
Thank you so much XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding [ XXXX, TransUnion, or Both ] and their failure to conduct a reasonable and thorough investigation into disputed accounts on my credit report, as required under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. Despite submitting evidence of payment and disputing the inaccuracies, certain accounts remain on my credit report, which is a violation of my rights under the FCRA.

Details of My Dispute I have disputed the following accounts with the credit bureaus : XXXX. Account Name : XXXX XXXX ( Government Overpayment ) Account Number ( Partially Masked ) : XXXX Reason for Dispute : This account, listed as open with a balance of {$1400.00}, was fully paid as of XX/XX/year>. Despite providing proof of payment, the credit bureaus failed to remove or accurately update this account during their investigation. 
XXXX. Account Name : XXXX XXXX Account Number ( Partially Masked ) : XXXX Reason for Dispute : This account, reported as 120+ days past due with a balance of {$2900.00}, was closed by the credit grantor. The investigation failed to verify the validity of the past-due payments, nor were my supporting documents addressed. 
FCRA Violations The following violations have occurred : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Credit bureaus must conduct a proper investigation into disputed accounts within 30 days. My disputes were not handled thoroughly, as the status of the XXXX account and others remain inaccurate. 
2. Failure to Remove Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Information that can not be verified within the investigation period must be removed. The XXXX account, which I have paid in full, remains on my report with an incorrect balance. 
3. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The credit bureaus failed to ensure the accuracy of the information reported by data furnishers, allowing these errors to persist and harm my creditworthiness.

Requested Resolution I respectfully request the CFPB to take the following actions : XXXX. Remove the XXXX account entirely from my credit report or update it to reflect a {$0.00} balance and Paid status. 
XXXX. Direct the removal of the XXXX XXXX account if it can not be verified or updated accurately. 
XXXX. Require a detailed explanation of how the disputes were handled and what evidence was reviewed. 
XXXX. Ensure compliance with the FCRA and provide written confirmation of the deletions or updates. 

The unresolved inaccuracies on my credit report have caused significant harm, including denial of credit, higher interest rates, and emotional distress. I trust the CFPB will intervene to ensure my rights under the FCRA are upheld. 

Thank you for your attention to this matter. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXXL 
Inaccurate Account number 
Inaccurate date opened 
Inaccurate last date active 

XXXX XXXX
Inaccurate date opened 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX  XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

omeone used a XXXX 's credit card that I applied for but never got it. Someone else got it and used it. They also tracked my SSN and my email address. I received alerts from the XXXX XXXX  saying that my password was exposed. 

XXXX XXXX XXXX  Compromised Email Address XXXX XXXX XXXX, XXXX Credit Alert Delinquent Account XXXXXXXX XXXX XXXX XXXX  from Experian Credit Alert Delinquent Account XXXX XXXXXXXX. 

XXXX XXXX XXXX  from XXXX XXXXXXXX XXXX XXXXt Compromised Email Address XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

I just sent this to Macy 's but hope you will follow up too! 

XX/XX/XXXX To : Macy 's XXXX XXXX XXXX, OH XXXX From : XXXX XXXX Customer Dear Macy 's Customer Service, I have been a credit card customer for around 6 years and a non-card customer prior to that. I recently received a bill with a {$27.00} late fee. I double checked my online credit union bill pay which showed that my payment in fact did arrive on the due date, XX/XX/XXXX, on the bill I received in the mail. 

As I was busy, I went ahead and paid the balance and late fee, intending to call later. My balance was XX/XX/XXXX was now {$98.00} which included a {$27.00} late fee. But because I 'd learned earlier that customer service ca n't give an exact amount owed due to interest, I rounded off to {$100.00} and paid the bill. I noticed a message popped up on the Macy 's bill pay saying that in order to arrive on time I now had to send in the payment 4-5 days earlier, similar to sending a check in the mail. I did so, but was stunned that Macy 's would be so unethical. NO OTHER credit card company I use does this. In addition on my bill it states this : Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to {$37.00}. 

My XX/XX/XXXX payment had in fact arrived on the date listed but I was assessed a late fee. Then I got a bill XX/XX/XXXX with an {$.00} balance. So I called. Customer service removed the {$27.00} late fee minus the {$.00}. I will receive a credit but my concern is the short billing period to pay and the ability for Macy 's to make tons of money off unsuspecting customers using bill pay. 

I plan to cut up my Macy 's card after receiving the credit as I do n't ' want to support what amounts to " Gotcha Capitalism '' and to warn friends. I 've been hopeful that regulations would fix credit card issues but this is discouraging. I really enjoyed shopping at Macy 's but this is in my mind, unethical and I can not support it. I 'd be interested in knowing how much money Macy 's makes with this policy and fear that if customers do n't complain, other stores will follow your example. 

I would appreciate a response. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

I have a NFL visa credit card issued through Comenity Capital Bank. The balance has been paid in full since XX/XX/2022. They have failed to report this payment and continue to report that I am carrying a balance. Their response to my inquiry is they are having system issues that are preventing accurate reporting. This is potentially impacting my credit score. Their lack of progress on fixing an issue that is a required task is negligent and a negative Customer impact. Many other banks can complete without issue. This is a pretty standard process.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : XXXX XXXX XXXXXXXX BalancXXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX : XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  Date : XX/XX/2023 XXXX  Date : XX/XX/2023
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXXXXXX XXXX  and they did not provide me with the original contract ( s ) as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( S ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXXXXXX XXXX  IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT.
Product: Credit card

I have an account with Synchrony for a Rooms To Go store card. 
My statements have a due date of the XXXX every month. 
I pay the week after that and I pay almost double my minimum payment with no ACTUAL late payments, ever with them. I was charged a late fee last year because my payment was too close to due date of the last bill on XXXX of the month but they waved it and applied it to the month after and told me to wait until the week after the XXXX to pay. So I pay around a week after now and technically that makes my payment 3 weeks early every month before my XXXX due date. I was charged a late fee again this month and when I look at my last payment and today 's payment ( XX/XX/XXXX and XX/XX/XXXX ) this is just shy of a month between the two and some how I am late?? I had one rep on the phone hang up when I asked her to look into it, she literally said nothing right after my question and hung up. Then on chat which I have all screen shots of with XXXX and his supervisor XXXX, I was told they can not help me even though it is obvious my payments are not technically late. XXXX told me they expect me to keep track of their statement dates as to when they roll out the next statements! 
My due date is the XXXX every month. They get my payment a week after that in plenty of time for the due date and it is not my job to keep up with their system and when they print the bill according to this, there is a week after the last due date they cant take payment? I want that XXXX late fee reversed. One, that is a ridiculous amount and two, I have NEVER been late with them. I have included the chat and my payment history so that you can see I pay every month - sometimes twice. They are scamming their customers this way. As any good customer service rep or supervisor would make it right for their customer that always pay more than due and early.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove immediately : 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 or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$680.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. ) XXXX Balance : {$670.00} 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
Product: Credit reporting or other personal consumer reports

Experian the credit reporting agency is allowing companies to furnish adverse items of information other than convections. which violates my consumer rights 15 USC 1681C ( a ) ( 5 ).
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I need to transfer my money from my PayPal balance to my XXXX  debit card to pay for my XXXX tuition ( XXXX XXXX XXXX XXXX ). But PayPal set limitations on my account, so I can not transfer money to the debit card. I call PayPal ( China ), and they let me wait and try next week. After a week, I try to transfer my money, but their system still set limitations, I can only withdraw $ XXXX from PayPal balance to my XXXX debit card. But my tuition fee is over {$14000.00}. ( The evidence of the call is in XXXX ) On XX/XX/XXXX ( XXXX EDT ) I call PayPal American help center ( I use my phone number XXXX ) to find a way to solve this problem. They suggest I create a USA PayPal account and transfer money from my Chinese PayPal account to my USA PayPal account, and then the limitation problem would be solved and they told me the fees would be XXXX %. They suggest I transfer my money to a PayPal US account. Under their suggestion, I create a USA PayPal account ( XXXX EDT ) add my debit card to PayPal  ( XXXX EDT ) and transfer {$22000.00} from my Chinese account to my U.S. PayPal account ( XXXX EDT ), however, they charged me a {$1000.00} fee, because their system identifies my action as a payment. Their system didnt show me a {$1000.00} fee in the entire process, or I will stop the transaction. ( The evidence of the call is in XXXX, the email evidence is in XXXX, XXXX, XXXX ) This transfer fee is {$1000.00} fee ( 4.39 % ) because the PayPal system thought this is a payment and I'm selling goods from China to the USA. And my American PayPal account had also been frozen by PayPal. 

On XX/XX/XXXX, ( XXXX EDT ), I report this error to PayPal America ( I use my phone number XXXX call them ), their agent recorded my case and promise me that Ill get back all the money and including my fees ( {$1000.00} ), but my account is on hold, and they should restore my account, then when I click the refund button, I can get all my money back to my account including my fees. ( The evidence of the call is in XXXX and XXXX ) After two weeks wait, my account is still on hold, so on XX/XX/XXXX I call PayPal American againI use my phone number XXXX call them, and make a video record when I calling PayPal American, they also promise if I follow their instruction and refund the money, I will get all my money back. On XX/XX/XXXX the hold on my account is moved. But PayPal refuses to cancel the transaction, refuse to refund all my money, they said the fee ( {$1000.00} ) is already charged, they can not refund the fee. They can only compensate me {$100.00} credit to my PayPal account. ( The most important evidence is in XXXX )