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

I am writing to formally dispute the collection account reported by XXXX XXXX XXXX XXXX on my credit report, dated [ Date on Report ], under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

This dispute pertains to two accounts reported by XXXX XXXX XXXX XXXX, each with discrepancies in the information provided. Despite previous attempts to dispute this account with your agency, I have seen no corrective action, and the account remains inaccurately listed as " In Collections '' with erroneous information that does not reflect my true financial situation.

FCRA Violation Failure to Correct Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to maintain accurate and complete information. XXXX XXXX XXXXXXXX XXXX XXXX accounts reported on my credit file are disputed by me under the FCRA. However, no valid response or corrective action has been taken by TransUnion, despite my clear assertion of the dispute. The FCRA mandates that upon receipt of a consumer dispute, TransUnion must investigate the dispute and provide a resolution within 30 days. Failure to comply with this standard damages the accuracy of my credit report, and by not fully investigating the dispute, TransUnion has violated my consumer rights. 

FDCPA Violation Lack of Debt Validation Additionally, these accounts are reported as " collections '', and I have requested debt validation from XXXX XXXX XXXX XXXX in accordance with the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX has failed to provide valid documentation proving that I owe this debt and that they are authorized to collect it on behalf of the original creditor. I dispute the accuracy of this debt and assert that it may not even be owed or may be incorrectly reported.

The FDCPA requires that debt collectors validate the debt upon request. Without this validation, the collection account reported by XXXX XXXX XXXX XXXX should be removed from my credit file or marked as Disputed as per the regulations. 
Damages Incurred Due to Non-Compliance The continued presence of these disputed accounts on my credit report has caused significant harm to my creditworthiness and has resulted in damages. These damages include but are not limited to : Harm to my credit score, which has a direct impact on my ability to obtain credit at favorable terms. 
Mental and emotional distress caused by the ongoing uncertainty and incorrect reporting.

Potential loss of opportunities for financing, housing, and employment, which are directly tied to my credit score and credit history.
Product: Mortgage

I XXXX and am on a XXXX month contract. I was crunched with fewer XXXX classes and tried to contact Citimortgage about any type of help I could get within their system. 

After a XXXX month process of speaking to multiple Citimortgage representatives and receiving different answers and interpretations about the same procedures ( possible outcomes and the best timing for initiating which procedures ), I have come here to complain. 

I have two problems with the system currently in place at Citimortgage. 

1. It is reactive rather than proactive. Apparently, the bank will refuse to help unless the customer falls behind and skirts the edge of default ( but paradoxically will not offer a deferment of payment until AFTER the situation has been resolved ). I tried to do the responsible thing and contact them before the issue became a problem of my not being able to pay. 

2. The Citimortgage associates to whom I spoke each had different understandings and misconceptions about what I was trying to do, why I was trying to do it, and how I should go about handling my particular situation. Though I understand that they must follow company policy, each of the representatives should have had the same understanding of how that policy was to be implemented. After having spoken to XXXX different individuals over the course of two months and received multiple possible answers to the same questions, I am EXTREMELY frustrated.
Product: Credit card

In XX/XX/XXXX, a late payment was inaccurately reported on my Capital One account. The account, which was opened on XX/XX/XXXX, and closed in XX/XX/XXXX, has consistently been in good standing aside from this single alleged late payment. I reached out to Capital One to dispute the accuracy of this late payment and requested validation under the Fair Credit Reporting Act ( FCRA ).

Despite my efforts, Capital One has not provided sufficient evidence to substantiate the late payment. Furthermore, the account includes misleading remarks such as " Account closed at credit grantor 's request '' and " Account previously in dispute - investigation complete, reported by data furnisher, '' which are vague and potentially harmful to my credit profile.

Additionally, the account 's highest balance is reported as {$400.00}, which exceeds the credit limit of {$300.00}. This inconsistency raises further concerns about the accuracy of the information being furnished.

I have also requested consideration for a goodwill adjustment for this late payment due to my overall positive payment history. However, no resolution or correction has been provided to date. This inaccurate reporting has caused harm to my credit score and financial standing.

I am requesting that the CFPB assist in ensuring the following : Validation of the late payment or its removal if validation can not be provided.

Correction of any inaccurate or misleading account information.

A goodwill adjustment from Capital One for the late payment in light of my positive payment history and good faith efforts to resolve the matter.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX and XXXX for Inaccurate Reporting of XXXX XXXX Account Dear CFPB, I am filing a formal complaint against XXXX and XXXX regarding the inaccurate and inconsistent reporting of my auto loan account. Despite my efforts to resolve these discrepancies directly with the credit reporting agencies, significant errors remain on my credit report, which violate both federal consumer protection laws and Metro 2 compliance standards. 

Details of the Discrepancies : Inconsistent Date Opened Reporting : XXXX : Reports the date opened as XX/XX/XXXX. 
XXXX : Reports the date opened as XX/XX/XXXX. 

This discrepancy suggests a failure by the data furnishers to report consistent and accurate data, which is required under Metro 2 standards. 
Inaccurate Date Last Active Reporting : XXXX : Reports the Date Last Active ( DLA ) as XX/XX/XXXX. 
XXXX : XXXX the XXXX as XX/XX/XXXX. 

The Metro 2 standard mandates that the Date of Last Activity be reported consistently across all bureaus. This inconsistency directly impacts how long this account will affect my credit score. 

Discrepancies in Payment History Reporting : Both XXXX and XXXX report a payment history showing " 60 days late '' and " 30 days late '' statuses during XX/XX/XXXX and XX/XX/XXXX. My personal records do not support these entries, indicating a potential error in reporting. 

Metro 2 guidelines require accurate and consistent reporting of late payments. The discrepancies in these late payments are misleading and have negatively impacted my creditworthiness. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Inaccuracy in Reporting : The FCRA requires that information furnished to credit reporting agencies be accurate and complete. The discrepancies in the date opened, date last active, and payment history suggest that the data furnishers have failed to ensure the maximum possible accuracy of the information reported. 

Right to Dispute : Under the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Despite my dispute, XXXX and XXXX have not corrected or removed the inaccurate late payments. 

Metro 2 Compliance Violations : Inconsistent Reporting : Metro 2 guidelines are designed to ensure that credit reporting is accurate and consistent across all bureaus. The discrepancies in the date opened, date last active, and payment history violate these guidelines and contribute to inaccurate and misleading credit reporting. 

Failure to Report Correct Payment History : The erroneous late payment entries for XX/XX/XXXX and XX/XX/XXXX represent a failure to adhere to Metro 2 procedural requirements, leading to a negative impact on my credit profile.
Product: Debt collection

I asked the company for evidence of indebtedness via certified mail on XX/XX/2022. On this same day as well as months before ( in which the company admits to receiving in a complaint reply through the cfpb portal ), I requested the company cease all communication with me pursuant to 15 USC 1692c through any medium, however the company continues to furnish unvalidated information to XXXX, XXXX, and recently adding XXXX after receiving via certified letter from me requesting cease communication. The actions of this company has been defamatory to my character, causing me to get denied for mortgages and extensions of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act KIKOFF LENDING LLC Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I thought I closed my USAA card account over one year ago. I received a letter in the mail stating that I can opt out of USAA sharing my personal information. I called USAA and was told I needed to verfiy my self which I tried to do by answering questions. This failed and I was not allowed to opt out. I was then told that even though my accounts were closed : Once a USAA member always a USAA member. 
I again contacted USAA on XX/XX/2021 with the same request and was told that to opt out of their sharing my personal information, I needed to send in copies of both sides of my drivers license. I feel that this requirement is silly and stupid! My USAA number is : XXXX. The last four of my social is : XXXX. If you are unable to resolve this issue please let me know who I need to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company and I have unauthorized inquires from companies Inquires are-XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not remove.
Product: Student loan

I have $ XXXX in student loans, which primarily paid for a XXXX XXXX in a field I cant work in. My XXXX is in computer systems security, and I have a charge on my record for hacking. Due to this, Im unemployable with that education. I tried applying for forgiveness, under the fact that it is non-beneficial and should have been guided elsewhere to a different degree program, but they refused to work with me on it. In addition, I tried applying for temporary financial hardship, and it was denied, even after providing proof of my income being much lower than I used to make. The interest seems to be going up more than the payments I need to make, So it feels like a never ending story. Im currently paying out of pocket to attend XXXX XXXX XXXX College, just to delay paying the loans back as long as Im going to school. I have no other option.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent the attached letters to TransUnion, XXXX, and XXXX requesting an investigation of the erroneous accounts currently being reported on my credit report. It has been over 30 days and they have yet to provide me with the investigation results and by law if the CRA 's were not able to verify the derogatory accounts within the time allotted, the accounts must be deleted from my report. I am filing a complaint because the negative accounts are hindering me from obtaining credit and I am trying to purchase a home. The unverifiable accounts are : TransUnion - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MI. XXXX ) SENT A COLLECTION NOTICE FOR XXXX ON XX/XX/XXXX. I CANCELLED MY MEMBERSHIP IN XX/XX/XXXX BECAUSE THEY CANCELLED XXXX XXXX AN EXERCISE CLASS AND THE REASON WHY I JOINED THE GYM. THE COLLECTION AGENCY STATED THAT I OWE FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE PROOF THAT I CANCELLED THE MEMBERSHIP AND CALLED TO SPEAK TO XXXX XXXX ( MANAGER ) WHO APPOLOGIZED AND ACKNOWLEDGED THAT THE AMOUNT IS WRONG BUT STATED THAT HE COULD NOT DO ANYTHING ABOUT IT BECAUSE IT HAS ALREADY BEEN SENT TO COLLECTION AGENCY. FIRST CREDIT SERVICES , INC. XXXX. XXXX   XXXX XXXX XXXX XXXX, XXXX, NJ. XXXX IS WHO SENT TO COLLECTION NOTICE ON THEIR BEHALF. I ALSO SPOKE TO XXXX AT THE GYM WHO STATED THAT THE AMOUNT IS WRONG HE WOULD NOT GIVE ME HIS LAST NAME BUT XXXX XXXX WHO ALSO WORKS AT THE GYM SUBSTANTIATED THIS INFORMATION.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4100.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} 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
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 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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, XXXXXXXX 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!
Product: Mortgage

PNC Mortgage keeps calling every month on the XXXX XXXX to tell me that I am late, they will keep calling until I pay, this harassment most stop where is the gov. to stop these Bank from harassing people, we all know this is wrong so why does n't the gov. just keep fining them each time they do wrong, if they could harass us then we the government should harass them, this is not the only thing this Bank does to people, its in this complaints on this site, I say if you have more then XXXX complaints about the same thing then there is no reason for the gov. to investigate, tell them to stop these practices, then stat to fine them, whats so hard to see, business and Government know what wrong, and know people have hard times sometime to pay due to unforeseen maters and people know that they are late so why let these greedy company 's harass us.
Product: Debt collection

I received several debt collection letters from the debt collector. The most recent one dated XX/XX/XXXX XXXX letter states that I owe a total of {$4900.00}. The credit card was opened without my consent I assume many years ago before XXXX possibly XXXX as I was a victim of identify theft during that time. The debt collection letter changes each time and I states four different amounts that I owe. {$4900.00}, {$3200.00}, {$390.00}, and {$2800.00} Which is quite concerning for me. I reached out to the original credit card company to get more information about the account and the account could not be found. I also provide my social security number and an account was not found. I responded to the creditor with a debt validation letter to validate their claim against me. The have never responded. My most recent letter was sent on XX/XX/XXXX. I continue to receive letters pertaining the amount only. They will not validate the debt or any information. The credit card number is non-valid, fraudulent or the debt collector does not have correct information and therefore will not respond to my letters with proof. I understand that Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA and I like to report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX  Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

My account has had many transactions from this one vendor that i do not do business with at all over XXXX!
Product: Checking or savings account

After finally being able to regain access to my Chase account, I realized there were fraudulent transactions on my checking account totaling over {$2300.00}, starting XX/XX/XXXX and ending XX/XX/XXXX. I was physically unable to access or monitor my account, or receive statements from this company from XX/XX/XXXX to XX/XX/XXXX. I sent a letter to Chase Bank in XX/XX/XXXX suspecting fraud and asking to suspend the account, which was never acknowledged. I was finally able to file a fraud claim on this account in XX/XX/XXXX. Chase asked for documents to support my claim, which I then mailed and faxed. The claim was denied, I was told, due to the fact that the copies were illegible. I then resubmitted clearer copies, which were verified readable by Chase customer service representatives. One escalation representative agreed that this was a case of fraud, and resubmitted my claim. The claim was again denied, but this time due to time limitations. At each step of this process, through multiple phone calls, I was given different reasons why this claim was denied, varying from illegible documentation, a 30 day limit, 60 day limit, 120 day limit, and finally a 2 year limit. One claim representative recommended I take my claim up with the 3rd party that my funds were wired through ( XXXX, XXXX XXXX XXXX XXXX, and another representative told me it was my fault that my funds were accessed without my permission.
Product: Credit card or prepaid card

IN REGARDS TO ; CAPITAL ONE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX. I FILED FOR A LATE PAYMENT VERIFICATION OVER THE PHONE AND THRU CERTIFIED MAIL AND BOTH TIMES CAME BACK AS VERIFIED ACCURATE. WHEN I HAVE MADE ON TIME PAYMENTS AND NEVER MISSED BUT CAPITAL ONE CONTINUES TO REPORT INACCURATELY I 'VE ASKED THEM SHOW ME PROOF OF AND VAILDATE THERE LATE PAYMENT CLAIM WHN I PAID ON TIME AND NO RECORD WHEN I HAVE ASKED TO SEE HAVE THEY SHOWN ME. IM SO UPSET THAT I KNOW NO OTHER REMEDY BUT TO FILE A COMPALINT ABOUT THIS SITUATION, APPARENTLY THEY HAD A SYSTEM GLITCH AROUND THAT TIME OR A HUMAN ERROR WAS MADE ON THERE PART AND THEY WILL NOT REMOVE THE LATE PAYMENT.
Product: Debt collection

I have already bring this to your attention to remove this fraudulent and inaccurate reporting that is hurting my credit score for several times. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Only your bureau is reporting this inaccuracy! 

Here again is the incorrect information being reported : XXXX  account : XXXX balance : {$1400.00}
Product: Vehicle loan or lease

My vehicle was refinanced with Servicing Solutions and XXXX weeks before my payment was due, I received an email from them saying that my loan was transferred to a company named XXXX XXXX. I have never heard of that company. I google them and saw so many negative reviews. I don't want to do business with them. I have not signed anything agreeing to do business with them.
Product: Credit reporting

I disputed a Public record with Trans Union and sent them proper paperwork showing that XXXX XXXX NC Courts dismisssed the judgement against me and my credit report still shows it.