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

I received a copy of my credit report and found the following items to be an error. XXXX XXXX  XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX / BAL OWED : {$570.00}. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Money transfer, virtual currency, or money service

XXXX does not disclose a confirmation when send money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to complain about the companies listed in my attached letter that have been wrongly accusing me of late payments. I already sent them letters and other needed documents before but they have not acted upon my complaints and so i am writing to you guys to help me with this.
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. 

XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX XXXX reported : XX/XX/2023 Date assigned : XX/XX/2023 Account status : Open Amount : {$320.00} 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: Credit reporting or other personal consumer reports

Notice to agent is notice principal notice to principal is notice to agent : Furnishing credit report to person without permissible is in violation of XXXX usc XXXX ( b ) ( c ). 
XXXX usc XXXX states that a consumer report does not include information solely as to transactions or experiences between and the person making the report is excluded XXXX usc XXXX XXXX XXXX XXXX  that permissible purpose must be given XXXX usc XXXX that such report must be fair and accurate, I have noticed some inaccuracies on my report; such payments, closed accounts, balances
Product: Mortgage

Does Chicago Title have a Title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX  YES or NO If Chicago Title does have a Title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX Please send me a copy of the title policy via the CFPB website so we can conclude our involvement with the CFPB and move on. 

If Chicago Title does not have a title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX Please let me know so I can take corrective measures. 

The matter will be resolved once I receive a copy of the aforementioned title policy until I receive a copy of the title policy or get advised that there never was a title policy the matter will remain open. I have had more than enough and now need to escalate the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may Concern First of all please forgive me about my righting skills and spell, I'm XXXX, Sorry about this. 
any ways, I desperately asking that Transunion XXXX  and XXXX  credit burues take a long and hard look at my credit report payment history. 

i'm sorry but I fel that i'm being treated very unfairly here. I'm XXXX years old and been at my current employer for over 15 years. 

I was brought up as a kid to be very reasonable, if you owe someone money you pay them. 

but anyways to the subject here regarding ( XXXX XXXX XXXX XXXX ) I been a customer of there's for over 3 1/2 years, I had great payment history with them, never missed a single payment, i beg you please look at my account with them you'll see for your self, then the huge pandemic happen, and i feel into the ground, not only with this creditor but others as well because of being laid off, and getting XXXX  XXXX but as soon as i started working again, I contacted the creditor directly and sent them sevral letters explaining what had happen, they stated they due what they could and thats it. 
will nothing i've disputed this with all three credit bures and nothing is happening. 

I'm desperately asking for forgiveness here, I don't desver to being thorn in the ground like this with my credit score or credit report, I'm a good hearted XXXX XXXX. 

I contacted the creditors and payed them all in full. I owe a {$0.00} balance on all of theses accounts. Why in the heck would ive payed all theys accounts if i was just being a losser. 

no thats not how i was rased. They even had offered me a settlement offer, I choose to pay what i owed includeing all late payment intrest and everything. 

Please I beggeing you all to take a strong look at this and give me a little leanaly, Im truely a good guy, pleaee help me with this pleae
Product: Credit card or prepaid card

I transferred a {$5000.00} balance to my Chase Freedom Card in XXXX this year ( 2020 ). I was charged {$150.00} for the transfer and the interest was to be 0 % for the rest if the year. 

I continued to use the card and pay it off monthly like I did before the balance transfer, but last month was charged interest on the purchases even though I paid off all purchases before the statement due date. I called and the person I talked to said that as part of the balance transfer purchases now accrue interest daily instead of monthly and she would reverse that interest charge. 

I looked at my statement today and was charged even more interest then I was last month. Looking closer my payments for the purchases are going toward the {$5000.00} balance transfer. My current balance transfer is {$4500.00} .... 

This is extremely misleading and I was lied to on the phone by the women who didn't tell me that payments first go to the balance transfer, she said the interest was because there was no grace period now, it started daily. 

I would never have done the balance transfer or made any purchases after doing the balance transfer if I knew this was how the card worked.
Product: Student loan

I have attempted to have student loan payments processed through Mohela on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> all of which have been reversed. I contacted my bank to see if they saw that a payment was submitted or if they understood why it would have been reversed. According to XXXX XXXX a payment was never submitted by Mohela. 

I contacted Mohela and submitted payment with a customer service person and that too was reversed. I've made multiple attempts and it appears to be an issue others are experience as well. 

It's frustrating to attempt to pay, not be able to through no fault of my own and then subsequently be sent a notice that the payment is overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXXXXXX XXXX XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX  XXXX, GA XXXX the following is a statement regard the restriction of two of my PayPal accounts On XX/XX/2022 I received an e-mail from PayPal stating that I will no longer be able to use my account because it was permanently restricted for 180 days. I received another e-mail on XX/XX/2022 regarding the same 180 restriction on my other PayPal account. I have spoken to several customer service agents and supervisors regarding this matter and no one has been able to able to give me an explaination why my two accounts have been permanently restricted. I have not acted in bad faith or in an illegal manner. Two of the Supervisors I have spoke with have found nothing suspicious with my accounts, and one of them filed an appeal at my request. A representative from PayPal contacted me via phone to tend to the situation, but they had no answers for me and told me there's nothing they can do about the situation. When I gave them the reference number pertaining to my appeal I was told the appeal number is not on file and nothing regarding the matter can be found. I was told that I will have to wait the full 180 days before they will take action and a resolution can be reached. I use those both PayPal accounts because I am not able to use regular bank accounts. The money in those accounts are all the money I have. I do not seek to use PayPal once I get the restrictions lifted from both of the accounts. I only wish to get my money back and use the banking services of another company. This is beyond frustrating and more than an inconvenience. My livelihood runs through PayPal and I am unable to function without the use of the accounts they have restricted.
Product: Money transfer, virtual currency, or money service

Instead of trying to help and resolve my issue I was forced to be acceptable to their rules and regulations regarding certain actions some one scammed me on multiple occasions and cash app basically okayed it and told me to make sure I'm sending money to the right individuals a and there is nothing they can do and not to mention I barely have ever got in contact with a actual human being when trying to dispute these actions
Product: Credit reporting or other personal consumer reports

Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review. Additionally, the account details are inconsistent, with different information being reported to each bureau.
Product: Mortgage

Our loan was disbursed to Caliber Home Loans on XXXX XXXX, closing out our service with the company, as we had refinanced with another company. We were expected to receive {$1500.00} left in our escrow 20 business days after the disbursement from the servicer, Caliber Home Loans. This should have been in late XXXX. A month later on XXXX XXXX, we received documentation asserting the loan was paid. We called Caliber Home Loans on XXXX XXXX to notify them that we had not received the balance left in our account. Caliber, assured us that the original check had been sent through the mail. To solve the issue, Caliber put a void notice on the original check and assured us that a second check would be sent in the mail. On XX/XX/XXXX, we sent them a Notice of Error letter, appropriately detailing the lack of disbursement on the escrow. It has been 2 weeks and we not received any type of response for the Notice of Error. I am enclosing the appropriate documents related to the Notice of Error and proof of payment as well as the amounts left in escrow.
Product: Vehicle loan or lease

Santander Consumer USA with account # XXXX Notice of excess state usury law interest rate. It has come to my attention that Santander Consumer USA are charging me an excess amount of interest rate that exceeds my state maximum usury law, the state of Connecticut maximum usury law on interest rate is 12 percent, on XX/XX/year>, I opened an auto loan with Santander Consumer USA and I was charged an interest rate of over 15 percent, I am not sure if Santander wilfully or fraudulently or if this was an honest mistake but you Santander Consumer USA has charged me way above my state maximum allowable usury law interest rate, I am here by seeking full remedy in excess of my state usury maximum allowable interest rate of the difference over 12 percent, all payments made in excess of my state usury maximum interest rate I want back in full goes to the principal and the auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( XXXX, Transunion and XXXX  ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX and XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY WILL NOT REMOVE AN ACCOUNT THAT DOES NOT BELONG TO ME. IT WAS REMOVED AND THEY ADDED IT BACK TO MY CREDIT REPORT. I DEMAND THIS ACCOUNT GETS REMOVED FROM MY CREDIT REPORT IMMEDIATELY OR I WILL MOVE FORWARD WITH FILING A LAWSUIT.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to link my PNC bank account with the investing app, XXXX. However, PNC doesn't allow people to link their accounts with XXXX anymore for whatever reason. I would like this XXXX  decision to be reversed because it is impeding on my ability to make money.
Product: Checking or savings account

I had an account with Bank of America for a while. They closed my account due to fraudulent checks. I had nothing to do with the checks being put into my account. I had came back from college to try to open a new account and I was denied.
Product: Debt collection

Calvary Portfolio Services has re-aged one of my accounts that is currently in collections. It was opened in XXXX but is showing on my credit report as opened in XXXX. This is illegal and is preventing me from receiving an auto loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent the letter to the credit reporting agency and they did not respond within the 30 day allotted time frame according to Fair Credit Reporting Act with Transunion, XXXX and XXXX. I was not notified of the investigation status. 

These accounts need to be deleted from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Convergent, 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.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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

I had recently went through a divorce in which took on all of the debt and was falling behind on funds. So I recieved a spam email about Global Client Solutions and how they could help with negotiating with XXXX XXXX and XXXX. I was intrigued by what they claimed they can do so I replied to the email and a " Case Manager '' called me back. She told me that I could pay off my debt in just a few payments and I wanted the debt taken off quickly bc I was really going no where with XXXX XXXX, so I negotiated a {$530.00} +/- {$10.00} per month. So 4 months into the terms I called to verify how much funds were in the " Savings Account. '' And she told me {$800.00} and some change. I thought it was odd that I had paid over 2k and only {$800.00} was in the account, well I made 2 more payments, and called after my 6th payment to  them and when they told me {$600.00} I felt defeated. I paid over {$3100.00} and only have {$600.00} to show for it. I am so broke right now, was looking for help and these people scammed me out of money that could have paid off my debt. I am -negative {$700.00} right now in my bank account, morgage and car notes are over due, and I have been scammed by this company. I'm writing because I cant be the only person who has complained about this and I need some help. I initially had 2 credit card debts that they handled, but ended up negotiating with them on the 4th month bc I was scared of XXXX taking me to court for $ XXXX. Do you know that I have almost paid the debt off by negotiating with XXXX on a bottom cost and payment plan. I was delt some pretty crummy cards and was looking for a financial relief company for help and this company practically robbed me out of the little money I had.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for their improper handling of disputed accounts and XXXX and Equifax for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Additionally, I am seeking compensation for the harm caused by their negligence in handling my identity theft dispute. 

Details of the Complaint Accounts in Question : Disputed accounts with XXXX filed through XXXX and Equifax. 
Nature of Dispute : The accounts were filed as fraudulent with valid supporting documentation, including : A police report. 

An identity theft affidavit submitted to the FTC. 

XXXX XXXX by XXXX : XXXX responded directly to me via email rather than through XXXX and Equifax, as required by FCRA. 

They closed my dispute and claimed the accounts were verified as accurate without providing any verifiable proof, such as my wet signature or documentation directly linking me to the accounts. 

Negligence by XXXX and Equifax : Despite receiving my identity theft documentation, XXXX and Equifax failed to conduct a reasonable reinvestigation of my disputes. 

Both agencies allowed XXXX unverifiable response to stand and did not remove the fraudulent accounts from my credit reports. 

FCRA Violations Fingerhut/WebBank, XXXX, and Equifax have violated the following provisions of the FCRA : 15 U.S.C. 1681i ( a ) : Failing to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( b ) : Failing to properly investigate and report the results of an investigation by the furnisher. 

15 U.S.C. 1681c-2 : Failing to block fraudulent information in cases of documented identity theft.
Product: Credit reporting or other personal consumer reports

Global lending services shows 2 accounts on my credit reports. These accounts are reported inaccurate on my credit report and the company is still attempting the contact, demand, and withdrawn funds from a personal account after being notified to cease all contact and that these transactions were not authorized by me. Account last update XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I was shocked this XXXX  to see inaccurate accounts on my credit report, with no idea how they got there. I routinely check my report, and out of nowhere, I found errors that werent there before. I thought maybe it was a glitch, so I refreshed my browser, but the incorrect accounts were still there. I'm genuinely asking for the documents I've sent to be thoroughly reviewed to prevent me from going through this worry again.
Product: Credit card or prepaid card

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.