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

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach. My personal information has been compromised and used without my authorization, resulting in the fraudulent accounts listed below appearing on my credit report. I request that these accounts be blocked and deleted from my credit file under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We were mailed a form letter from Fay Servicing that our mortgage was placed in forbearance. My husband called and told the company we never requested this and did not wish to have this program. He was told it was removed from the account. This week I checked our credit scores planning to apply for a refi and our scores dropped XXXX points and Fay servicing says we are in forbearance. They also have not reported our XXXX, XXXX or XXXX mortgage payments showing we owe money that is paid in full. This is very damaging for us and needs to be removed. They can not destroy someones credit with something they never asked for.
Product: Checking or savings account

My account had multiple withdrawals by a company named XXXX that withdrew money and then modified the amount of money that was withdrawn. It also stopped me from withdrawing my own money when it said I was allowed to do so at any time. 

The company violated the rules of the ACH Network by fraudulently withdrawing funds and then altering the amount withdrawn. It also performed false advertising all of which was in violation of ACH Network rules. When contacting Capital One to resolve the issue and filing multiple complaints with them, Capital One always responded on the last day of the allowed time and declined to resolve the issue. Capital One took fraudulent paperwork provided by the company XXXX to call these transactions authorized and refused to look at any of the documentation I provided in my rebuttal that clearly show a violation of the ACH Network rules. 

Several banks have come to the conclusion that XXXX fraudulently withdrew money from customers accounts including Capital One in certain cases. However, even after proof was provided of other banks refunding money to their customers because of the same issue, Capital One has not refunded my money and consistently denied my claim. 

I also filed XXXX complaints and provided these to Capital One but all of these were completely ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account named PROFESSIONAL BUSINESS BUREAU on my credit that does not belong to me and I got a pre-made letter that says, " Account information disputed by consumer, meets FCRA requirements '. 
I would like for the credit reporting agencies to adhere by my request : Dear Credit Bureau ( XXXX, XXXX, and XXXX ), Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Mortgage

we have been trying for the past 10 years to get a loan modification we have contacted so many people including you now our loan is with seterus where it has been for the past two years we have been working with a hud certified counseling center first home alliance and our worker is XXXX XXXX XXXX she has been working with us for the past 10 years we have been continuing being thrown into foreclosure after months on end of filing out paper work and then being told that person is no longer there and having to start all over we have hired and paid for attorneys and filed for chap XXXX but judge XXXX and XXXX XXXX did n't believe us and threw us out of bankruptcy court not allowing us the protection we need and more important the payment history corrected and made public to us we have never received a payment history to date and we purchased the house in XXXX. our house is being put on the the foreclosure block this Friday we just found out again with little or not notice like usual there is no legal reason why we should n't be allowed to have a loan mod my partner makes {$100000.00} a year the mortgage company and XXXX XXXX refuse to work with us and the worst thing is our loan mod was based on an amount owed of {$380000.00} and they are selling the house Friday for XXXX how does this happen and why is it oaky. I will continue to fight even if the house is sold, seterus blocked XXXX XXXX from accepting our cash payments and we paid cash payments for two years that we have never received credit for and XXXX XXXX has copies of those payments but not on our mortgage history. they do n't care.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and there are inaccuracies in the reports. There are accounts marked as 30 Days Late and I have never been late with any payments. I have always made on time payments on my accounts, I have never been late. Consumer reporting agencies are required by law to report accurate information. The law is being broken and my consumer rights are being violated. I am requesting a thorough investigation of these discrepancies with documented written evidence to prove these late payment accusations that legally support these consumer reporting agencies inaccurate claims. 

Please provide my original creditors financial statements with payment history logs of my accounts showing these late payments with the exact dates, and dollar amounts of the actual missed payments and when these late payments were actually received, as well as provide me with a written transcript of the recorded phone call conversations with the time, date and staff persons names of when these late payment discrepancies were reported to these consumer reporting agencies from the original creditors. 

The accounts in discrepancy is as follows : XXXX XXXX Services Account # XXXX Inaccurately Reporting as XXXX  days late for XX/XX/year> & Inaccurately Reporting as XXXX  Days Late for XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurately Reporting as XXXX Days Late for XX/XX/year> I have attached a copy of my passport, notarized affidavit of identity, screenshots of the credit reports showing the accounts and the negative XXXX  day late reports. 

If you are unable to furnish the requested proof, I demand an immediate update of my payments to reflect the true on time paid as agreed/ never late status, as I have never been late on a payment. I have consistently upheld my payment obligations without delay. As I appreciate your prompt attention and action on this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account 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 would like to express that I am not disputing at this time, I am merely noting this on the record as I have attempted in the past to receive information and the creditors have not sent it. Please see the attached requests I am making for simple information that the creditors should be able to provide to me without any issues. I expect to receive responses within 30 days.
Product: Checking or savings account

I opened an account for my company on Wise, but I haven't performed any operations yet. I was notified that my account was deactivated before I even found my account number. 

I made phone call and submitted an appeal to wise, but they still said they couldn't reactivate my account. They sent me an email informing me the only option now is to try to file a complaint to you. 

Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX L J Ross Associates XXXX XXXX XXXX XXXX MI XXXX Subject : Request for Debt Validation Dear L J Ross Associates, I am writing in response to your communication regarding the alleged debt you claim I owe. Please be advised that I am requesting validation of this debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is owed ; A copy of any agreement or contract that authorizes you to collect on the debt, including the original creditor 's name and address ; A complete and itemized breakdown of the debt, including interest, fees, and charges ; A statement indicating whether this debt has been assigned to you for collection, or if you are acting as an intermediary for a third party ; Any judgment or court order ( if applicable ) related to this debt. 
In addition, please cease any collection activities until this debt has been validated. I request that all future communications regarding this matter be sent to me in writing. 

If you are unable to provide proper validation, please acknowledge that you will stop all collection efforts, remove any related entries from my credit report, and cease reporting the debt to credit bureaus. 

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information. If this debt is found to be invalid, I expect it to be removed from my credit record immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days, as stipulated by the FDCPA. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This is in RE : Capital One Credit card XXXX # XXXX in my name XXXX XXXX XXXX. 

On XX/XX/XXXX, the date of my due date, I called Capital one to make said, and due payment on the above account, which has a balance of {$740.00} ; my credit limit is XXXX. Historically, my minimum payment has ALWAYS been {$25.00} on this credit card account. I made a payment on XX/XX/XXXX of {$80.00} per being past due on my acct due to inability to access Capital One 's pay online system due to it's system giving me verification security codes via phone for security purposes, in a foreign language ( XXXX ), instead of the language I speak ( English ). Consequently, and as such has happened in the past two other times, I was charged late fees. THis issue was fixed by Capital one earlier this month of XXXX. However, last night XX/XX/XXXX, the phone rep said I was calling EST Eastern standard Time and therefore, my payment was to be {$75.00} instead of the usual {$25.00} even though according to my time frame, I was still on time with my payment of {$25.00} ; the woman said her system could not accept, or process a payment of only XXXX. Something seems fishy to me ; why after so many years of paying {$25.00} for my monthly payment, would I now need to be paying {$75.00} to {$80.00} per month? Even if their {$25.00} late fee is applied -- -that does add up to {$75.00} to {$80.00}. My credit limit has NEVER been increased, as I've never asked for an increase in credit limit ; I do not use this VISA card on a regular basis -- -thus, my dispute lies in WHY my monthly minimum payment increased to {$75.00} to {$80.00}. Clearly, I'm nOT alright with this. The resolution I want is to have my monthly payment returned to the normal $ XXXX./month, and to have any late fees that have been applied -- -to be refunded. I also would GREATLY appreciate if Capital one would fix their system so as to receive security verification codes in ENGLISH instead of XXXX!! It seems set this way so that Capital one can charge late fees, due to customer 's not being able to make their payments on time due to not being able to access their online accounts, to pay them, because of language barrier issues. 
I very much look forward to your reply and assistance in dealing with continued problems with this credit card issuer. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

DATE ACCOUNT OPENED : BY LETTER XXXX XXXX THE LETTER SAYS DATE ACCOUNT CHARGED-OFF WAS XXXX XXXX CURRENT JUDGMENT PRINCIPAL AMOUNT IS {$1600.00} JUDGEMENT CURRENT BALANCE IS {$1600.00} THE PURPOSE IS FRAUD I DONOT SHOP AT XXXX LOOK AT THE YEAR IT'S XXXX  LOOK HOW FAR AWAY TIME BEEN WHY NOW I BEEN HAVING PROBLEMS WITH MY IDENTITY FOR A LONG TIME FAR AS LOANS, CREDITCARDS ETC..I KNOW NOTHING ABOUT THIS ACCOUNT I RECIEVED A LETTER IS HOW I FOUND OUT ABOUT THIS ACCOUNT SPOKE WITH A REPRESENTIVE NOW I'M PROCEDING THE SITUATION I NEED THIS ACCOUNT RESOLVED
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, am a living human being, have rights under 15 USC 1681. 

Equifax, XXXX, XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

BANKRUPTCY
Product: Debt collection

The debt is past the statute of limitations. The company : Jefferson Capital Systems , LLC XXXX XXXX, MN XXXX Also XXXX XXXX in XXXX : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, IL XXXX Another XXXX XXXX in XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX After the debt was removed from my credit report due to it being past the statute of limitations which completed on XX/XX/2019. They send me a validation letter that is postmarked XX/XX/XXXX, yet the letter is dated XX/XX/2019. 

First, this letter needs to be sent within the first 5 days, not after the debt was removed from my credit report. 

Second, they purposely dated the letter XX/XX/2019 in order to try and deny me my full 30 days to dispute or request validation. 

Within the letter, they indicate they will sue to obtain a judgment on a debt removed from my credit report based on the statute of limitations. They claim they can garnish wages make a report to the credit bureau.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

3. Contact Information : My main contact number is : XXXX. I would like this number to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report. I did not authorize any of those inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking that the 30 day late negative placed on my credit report by Toyota Financial Services be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website XXXX more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using Toyota financial services, I am extremely disappointed to be writing this letter.
Product: Vehicle loan or lease

On Monday, XX/XX/XXXX American Credit Acceptance received 2 packages for the payoff of two cars a XXXX XXXX andXXXX XXXX. On XXXX/XXXX/XXXX I reviewed the account to see that the XXXX XXXX and had been processed as paid off and not the XXXX. 

On Thursday afternoon I called again to see the issue with the XXXX not being payoff and was told they could NOT FIND THE CHECK. American Credit Acceptance clearly does not follow proper lockbox procedures. I provided them the tracking number for the XXXX payoff check, the dollar amount {$27000.00} and the records that they signed for the check on XXXX/XXXX/XXXX at XXXX XXXX and they still tell me as of today they can not find the check. The account number XXXX was also placed on the check.
Product: Credit card

I did not receive the last bill for purchases made at Macy 's. I received the next bill which included interest and a late charge which is due on XX/XX/XXXX 2017. Everyday since I received the second bill, I have received a robo call from them. I responded to the call and let them know that I directed my bank to have an automatic bill payment for the full amount within the week. I still continue to get these calls. I have excellent credit and have never had this kind of treatment from any creditor. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern In the past couple of years I've been monitoring my credit accounts which the three so called major credit bureaus. It has come to my conclusion that they are not on the same page. I understand that there may be differences in the way the do credit reporting but the its my opinion its all a scam. At the end of the day the game has to be played. The last 2 years I've been trying to get my credit in order but seem to have issues with Transunion. The report is the same as my XXXX  account but 30 to 40 point lower. WHY! Just recently I tried purchasing a home which I qualified for and learned through my lender that when qualifying someone they'll go to the lowest score. Still XXXX. to me. Again at the end of the day the game has to be played. Question tho is this fair credit reporting. Another thing I've been witnessing with the credit reports those which can be obtained online is there is always a charge. It has been my assumption that consumers are given a free credit repot once a year. My complaint is not just because I needed to get my credit straight but because I see no true fairness if these. If the 3 are not on the same page or dam near close. I'd love to show you my reports and its an obvious concern. My complaint again is more of a concern.
Product: Credit reporting

XXXX of XXXX, AR is improperly reporting a paid collection account on my credit report. Account number XXXX must be removed immediately and my credit score updated. They are intentionally sending incorrect information ( such as date of first delinquency ) that is wrong. I have disputed this item online, in writing, and with the furnisher of the debt. NO ONE is accurately validating this collection account as the DOFD is prior to the date of service. This is inaccurate reporting and must be removed immediately.