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

XXXX XXXX XXXX is reporting CLOSED and PAID INSTALLMENT LOAN with collection remarks. This was never a collection. 

Date Updated XX/XX/XXXX Payment Received {$290.00} High Balance {$10000.00} Pay Status >Account Paid in Full was a Collection< Terms {$0.00} per month, paid Monthly for XXXX months Date Closed XX/XX/XXXX Remarks SETTLED-LESS THAN FULL BLNC ; PAID COLLECTION Also please remove all non-account holding inquires over XXXX DAYS old. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this. 
XXXX from XXXX XXXX XXXX XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Credit reporting or other personal consumer reports

On my credit report experian has my balance at {$210.00}. I owe {$120.00}. Not only that but they arent even reporting to my credit anymore and havent in months which in result is counting as late payment. I have had perfect payment history on my credit since Ive had credit. Ive also worked extremely hard to build my credit. With XXXX I also had perfect payment history for over a year, I was a day late on a payment they took my entire credit line away that took new over a year to build. I refuse to pay what I owe until this is fixed or removed from my credit since they are no longer reporting. I should not be considered as late payment because theyre not reporting. I have disputed twice and no help
Product: Money transfer, virtual currency, or money service

I have a personal ( non business ) PayPal acct Last week I received an email saying aXXXX acct had been set up for me due to a CFPB regulation which had just taken effect. It is for holding cash balances. I do not ever have cash balances in PayPalI use it only to pay for goods and the PayPal is linked to my credit card. I have tried several times to reach PPal to tell them I do not need or want this acct. Each time I call, I go through their phone tree and then the call goes to busy and disconnects when I try their email form to request help, I get the message not currently available I want to know if the setup of this acct really is required by a CFPB regulation. And I want to know how to close this XXXX acct which was set up without my permission. Also, how do I get through to PayPal currently without getting hung up on or told e-mail help isnt available?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 payment reported in XXXX 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

I did loan forgiveness I qualify. I submitted proper paperwork. Ive been working for the government for 12 years now. I want this deleted NOW OFF MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions.transuion consistently responds within 24 hours stating the account is accurate.without providing any evidence of a thorough investigation.this practice violates the fair credit reporting act ( fcra ) .15u.s.c1681 which mandates a reasonable of dispute.futhermore transunion actions may also contravene the consumer financial protection act ( cfpb ) 12u.s.c 5536 ( a ) ( 1 ) ( a ) - ( b ). As highlighted in the cfpb recent administration proceeding ( XXXX ) against them for similar violations. I request that cfpb take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I sent {$20.00} dollars to my cousin XX/XX/year>. Due to her number being inactive she wasnt able to receive it and I wasnt able to get a refund.
Product: Credit card

During summer of XXXX, Bank of America had a promo deal for people who signed up for their travel credit card. The promo was that if you spent XXXX dollars within the first 90 days, you would receive a XXXX dollar cash back bonus. I signed up in XX/XX/XXXX, and when I spent the XXXX dollars, the XXXX dollar cash back was soon added to my account. I didn't spend the XXXX dollars because I was not yet sure how I wanted to receive it or redeem it. I'm not sure when the bonus disappeared from my account, but when I checked recently in XXXX of XXXX, it was gone. It said I have XXXX dollar in reward points, so I redeemed that on XX/XX/XXXX, and I should be receiving the check in a few weeks. When I was able to contact a Bank of America representative on XX/XX/XXXX, he had to research the promo deal, but said that the deal was XXXX reward points not cash back. The points may be true, but when I try to find this deal again online on the Bank of America website, I can find a deal for my card that states " XXXX online bonus points offer ( a {$250.00} value ) ''. I am attaching a screenshot below. I am not sure if this was misleading advertising, but even if it was just XXXX bonus points, I believe that I should still be receiving XXXX dollars cash back, as this is what the site states is the equivalent of XXXX points.
Product: Credit card

On XX/XX/XXXX I was the victim of a car break in. My personal information, drivers license SSN card and some credit cards were stolen from my vehicle. On XX/XX/XXXX I received a call from Apple asking if I applied for a Apple Card. I explained I had not and please do NOT to approve this card as It was not me.The call was and has been verified that that is exactly what was said to the representative and is also noted in the call logs. In XXXX of XXXX I applied for a New morrtgage and this account appeared on my credit report as a delinquent account. I immediately contacted Apple /Goldman Sachs and explained this situation and that it was fraudently. I also sent in a copy of the police report filed and a copy of the FTC identity theft report. The account was closed as fraudently on XXXX XXXX and removed from my all three of my reports. On XX/XX/XXXX This account was re inserted intomy account with no warning or information. I Have called numerous times since and spoke with several indivudal supervisors who have said they have no idea why the information was removed and subsequently placed back three weeks later. All have said they would remove the information but as of today it still appears on all three credit bureaus even though I have provided all the necessary documents and information required. FTC report, Police report, Driversl license and SSN card. This is causing me distress and effecting my ability to access credit that I have built and upkept for years.
Product: Student loan

XXXX XXXX reported payments more than 60 days late without informing me repayments commenced. When I contacted the servicer, I was informed that they had sent information- which they had not, dropped my credit score XXXX points and now my loan has been sold to XXXX. XXXX XXXX has also reported the account closed which also decreased my credit score. I have worked hard to improve my score for first, XXXX XXXX XXXX reported me delinquent for their {$6.00} error, and now for XXXX to erroneously report my account delinquent. 

This loan was in deferment status as well and was not under repayment status until XX/XX/2023. 

I would be grateful for any assistance in eliminating these errors that will last for seven years and are not my fault.
Product: Checking or savings account

I deposited a check from my XXXX XXXX account to my Chase savings. I did it this way because it exceeded the daily limit for electronic transfers and I thought this would be faster. Chase shows the deposit as of XX/XX/XXXX. They placed a hold until XX/XX/XXXX. The check cleared XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the hold was extended until XXXX. None of the funds were made available at any point. My initial email was ignored. I emailed again on XX/XX/XXXX. The response I received was that they had indication that the check would not clear. I provided a copy of the cleared check and asked for more information at which point I was directed to their loss prevention department. After over an hour and 15 minutes of being on hold and the first person being unable to answer my questions, I was told that because they could not verify it had cleared with XXXX XXXX, they extended the hold. There was no indication. This was a local check.
Product: Mortgage

I have tried to get my loan modified for many years and have been unsuccessful at doing so. 

No matter how little or how much I earned, my lender, Nationstar has not modified my loan. 

I tried so many years to get my loan modified while the real estate market was down, but each time, ( over 15 attempts ), my lender has denied me as late as XX/XX/2017. 

During all of the attempts with the exception of the past two ( 2 ) years, Nationstar has lost my paperwork, not returned calls, and just asked me repeatedly to send the information over and over again, but to " NO AVAIL ''! 

I know of other individuals who live in my condo building who had the same lender, whose financial situation was about the same as mine, and Nationstar modified their mortgage loan but has done nothing but given me grief! 

Please help me in getting my loan modified by Nationstar. 

I am a single parent, and this is our home, and we would like to keep our home because this is all that we have, and we have nowhere else to go! 

Please HELP!!!
Product: Credit reporting or other personal consumer reports

Repurchase agreement was initiated on XX/XX/23 by XXXX XXXX XXXX Due to lemon vehicle. The vehicle has been located at XXXX XXXX in XXXX GA since XXXX. The vehicle does not start nor did XXXX have the part to repair the vehicle. The Repurchase agreement was started by XXXX due to no fault of the consumer. XXXX has continued to prolong the process and has filed false claims on credit bureaus and in letters addressed to myself. That they were not aware of the repurchase agreement. XXXX XXXX have been in correspondence with the Repurchase department through the entire process and were aware of the agreement. Repurchase agreement papers were signed on XX/XX/23, yet, I was told that documents were not received until XX/XX/23 to XXXX XXXX. The Repurchase Payoff is in process. You can verify with the Georgia Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive ask multiple agencies to stop reporting late payments on my report and they are refusing to comply 15U.S.C 1681
Product: Checking or savings account

XXXX XXXX  Has Been Charging My Account For About 10 Months For A Membership I Have Not Even Been Able To Use
Product: Debt collection

They have called me upwards of XXXX times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Equifax a letter disputing 9 late payments on my credit file reported by The Department of Education/XXXX. The Department of Education/XXXX is reporting 9 late payments which I believe are incorrect. The dates are 90 Days Late in XX/XX/XXXX, 90 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX. When I submitted my dispute letter to Equifax I stated that my loans were actually in Forbearance Status, I even submitted documentary proof showing all accounts during those time periods. In XX/XX/XXXX, The Department of Education/XX/XX/XXXX sent me a payment history letter showing all of my accounts and documented that all Loans were in Forbearance during that period. I believe that Equifax is not properly investigating my disputes, or taking it into consideration that it is proof shown in black in white on the payment history letter by The Department of Education/XXXX that the status of my loans says " Forbearance ''. Equifax has not only disregarded my documented proof but they have also violated my rights.
Product: Bank account or service

I had an account with Fifth Third Bank in 2013. Fifth Third Bank reported Suspected Fraud Activity on my account to XXXX and XXXX. Due to this injustice I am constantly denied service at any bank. I have continuously informed the Fifth Third Bank that I was not responsible for this fraudulent activity that occurred on my account. I also informed them apparently someone stole my identity and that I am the Victim. I asked Fifth Third Bank to remove this negative report from my records but they refuse to do so. 
Please Help. 
Thank You
Product: Debt collection

The response letter and statement sent to me via Registered Mail dated XX/XX/2023 is not sufficient evidence to prove validation requirements. This was requested since XX/XX/2023 without complete validation request and requirement considered by law
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has significantly impacted my life. I am writing to dispute fraudulent accounts and information that appear on my credit. Please investigate this matter and delete the disputed items as soon as possible. I have attached an FTC report, my passport, social security card, and bank statement. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

First of all, we hav e US B ank for our mortgages since  XXXX . No problems in the beginning, until my husband was diagnosed with  XXXX   XXXX  in  XXXX , he had  XXXX   XXXX  treatments then had  XXXX , with the hospital bills and the insurance deductibles we have been trying to work wit h US Bank since then to the present to get a loan modification and they send us the financial papers to fill ou t and we done that many times and we 'll fax it back and they will say that they did n't receive them. I know that they did cause I got a confirmation message that they did. I am so tired of their lies. We have had many Assistance mortgage managers, I ca n't begin to tell you how many. At that bank they do n't know what the right or the left hand is doing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness This is not my account!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and Equifax shows that I have a missed payment from my XXXX XXXX Credit Card ending in XXXX which is inaccurate. I never missed a payment. XXXX XXXX agreed to fix the problem but it has yet to be fixed with the credit reporting agencies. I am very upset. This has been going on for 6 months.
Product: Credit card

On XX/XX/year> I received a notice from XXXX of a significant change to my credit score. XXXX XXXX had reported that I was delinquent for {$29.00} dollars for two months. I was unaware of the charge. I logged into their online portal to find that {$5.00} had been charged on XX/XX/year> to this credit card. There were late fees and charges which totaled {$29.00}. I made a payment immediately and called the creditor. I informed the creditor that I was unaware of the charges. I explained that the report that they sent to XXXX significantly impacted my credit score. They responded that there is nothing they can do. I informed the creditor that I would be filing a dispute with the credit bureau. After submitting a dispute the creditor - XXXXXXXX XXXX has out of spite lowered my spending limit. My spending limit was {$2500.00} and was lowered to {$750.00}. The creditor has not given me any adverse action notice. I was unware of the charge and now I am being railroaded. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 2 credit inquiries on XXXX XXXX, 2021 by Ally Financial and XXXX XXXX XXXX regarding auto loan. I didn't make any inquire for auto loan application in last one month. I checked my XXXX XXXX on the same day on XXXX XXXX XXXX website and found these inquires which I didn't recognize. I reported it to XXXX. I also enabled temporary credit fraud alert on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Personal Information : Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX