23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC XXXXg Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that I opened a credit card account XX/XX/XXXX with XXXX stating that I owe XXXX. They then reported to Experian and XXXX that the account was opened XXXX and that I owe XXXX. Ive sent out letters reaching out to them since XX/XX/XXXX and they have no corrected and removed these fraudulent reports from my account.
Product: Debt collection

Convergent Outsourcing is attempting to collect on an account that I have no knowledge of and that I have already reported to the credit bureaus as not being my account. The only thing that I keep receiving back is that the account has been verified which is not the truth because this account does not belong to me.
Product: Credit reporting or other personal consumer reports

There was a hard and soft inquiry conducted on my, XXXX XXXX, credit report on XXXX XX/XX/year> from XXXX XXXX was not initiated by me. After speaking with a XXXX XXXX agent, they looked in their system using my social security number to see if I had any products or applications with them and they could not locate any products or applications made fraudulently or by me. They advised me to contact the credit bureaus as they are not sure why this shows up as a soft and hard inquiry on my credit report. I am in the process of mailing all three credit bureaus notification of this and will enclose my driver license and copy of social security card to prove my identity as advised by the XXXX XXXX agent. In my XXXX record, there is a phone number ( XXXX ) XXXX listed and this is not a phone number associated with me. I have disputed this phone number also, as it appears on my credit report. HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 
Account # 's XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX 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.XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit card

On XXXX of XXXX they withdraw from the account they wouldn't take payments from my entire social security check.And I had sent them a cashier 's check dated XX/XX/XXXX for XXXX and they said it was not sent.I had it cancelled and another issued and sent it priority mail and they said it wasn't delivered.They cashed both cashier 's check and my XXXX. Soc.Sec. for account balance of XXXX.On the second of XXXX my card was cancelled.
Product: Credit card

Please review the enclosed documents. I request the bureau to investigate these accounts, which falsely portray me as late, despite my consistent punctuality.
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 XX/XX/year> 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, credit repair services, or other personal consumer reports

I have had my Apple Card for quite some time and was actually one of the founding members. Well, when COVID hit hard and I lost my job, I was actually 32 days late on a payment so I was hit with a late payment on my credit report which is a super negative thing to have on your report. I tried explaining to them that this was COVID-19 related and that I lost my job and had it pretty rough for an extended period of time AND the fact that I used their forbearance program for several months because my income was not sufficient enough to make the payments, but they do not seem to care about this and are unwilling to work with me in getting this late payment removed off my report as a one time courtesy. I had made initial contact right after noticing the late payment and a dispute was filed however it came back that the " information was accurate ''. I was never disputing this, so this was frustrating so upon talking again, this time to a supervisor, I had another claim filed and about one whole month later that was also rejected because the " information was accurate '' - It never actually goes anywhere. Since then I have mailed one goodwill letter that I never heard back from and today, sent another one via certified mail. So, I am reaching out in hopes that you guys can help me with this as I believe what is 'fair ' is that they remove the late payment just this once as I have assured them it will never ever happen again. I am embarrassed and a late payment is something I never ever wanted on my report. 

Thank you for listening and taking the time to help everyone. 
-XXXX XXXX
Product: Credit reporting or other personal consumer reports

After checker was suppose to delete all my data they continue to furnish inaccurate information about me to XXXX XXXX. The information that was reported such as warrants and tickets that I have paid is inaccurate along with the dates. This has caused me to lose a position with the XXXX XXXX company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that this account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXXXXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Promotional purchases & Non promotional Purchases. : XXXX Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees. 
* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge * The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* Prec '.
Product: Prepaid card

On Saturday, XXXX XXXX, 2015 at exactly XXXX Pacific time I was trying to withdraw funds from my rushcard account using an XXXX XXXX XXXX XXXX XXXX ATM. When the money was supposed to be dispensed from the dispenser the dispenser malfunctioned and none of my funds were dispersed. I contacted the help desk for the ATM machine itself and was told by them to file a dispute with Rushcard and they would gladly return my funds to my card. I proceeded to contact Rush card member services and never got through to anyone after having made more than XXXX attempts. I finally got a hold of someone on Wednesday who told me they would escalate my issue and get back to me. The next day I called again and was told by a supervisor that they did not show that my issue had been escalated and would be escalating now. I called the next day and spoke with another supervisor who said they needed to get me over to the disputes department and I filed a dispute on this issue and was told to expect an email within 1 to 3 hours with the dispute form attached and to fill it out, sign it, and fax it in with the receipt from the ATM. After allowing a whole day to go by, I still have yet to see an email with the dispute form. I did the exact same thing the next day and was told the exact same thing and got exactly the same results as the day before. I still have yet to get help with getting my funds returned to me and I am fed up with this company and their lack of effectiveness. I mean we 're talking about almost {$500.00} I 'm out of because of their lack of help with my issue and all they had to do was dispute this issue from the start.
Product: Mortgage

APPROVED WITH HAF FOR PAYMENT ASSISTANCE, THEY SAID THEY HAVE SUBMITTED PAYMENTS TO US BANK AND YET NOTHING HAS POSTED SINCE XX/XX/2022 AND IM STILL ACCUMULATING LATE FEES AND NEGATIVE CREDIT REPORTING. 

HAF US BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of obtaining a loan for some agricultural land. My credit report shows a lower than expected score. When I contacted TransUnion we discovered that the only problem seems to be that my payments had not been reported for my loan with Wells Fargo Auto since XXXX. Since there was no activity the credit score was lowered. I had been making large payments to Wells Fargo Auto to pay off the truck early. I was down to less than {$1000.00} to pay off the truck this morning. The problem may be related to the pandemic so I understand. But it is going to hurt me with a loan product.

I need a lower score to get a lower interest rate. I called Wells Fargo Auto and they confirmed what their online site had indicated. It indicated I had paid down the loan. 
I asked for help reporting my payments to the credit reporting agencies and they responded it could be 6 months before they report the payments. So for 6 months my credit will continue to fall lower. Any loan products I need will be at a greater cost to me. 

This morning I paid the payoff from Wells Fargo Auto, but I assume it will take a day to show the payment as being paid off. I have copies of this information but TransUnion reported I must get Wells Fargo Auto to help. Catch 22.

Can you help? It seems that Wells Fargo had some problems in the past. This problem may be hurting others like me.
Product: Student loan

I have private loans ( over $ XXXX ) with Navient for my XXXX. I have been enrolled in school for 2 years ( a XXXX program with XXXX XXXX since XX/XX/2015 ). I requested that Navient put my loans into school deferment. It took approximately one year for them to do this. In that year, my loans accumulated, my past due payments continued, my credit was effected, my phone and my family members phones ( including XXXX aunts and XXXX uncles who are not on the loan ) were harassed multiple times about my loan. I had countless ( over 10 ) phone calls lasting sometimes over an hour long trying to manage this and change this status. I faxed documents of my in school status countless times. I spend a very long time on the phone multiple times trying to obtain this status. XX/XX/2015 I was told I was in school forbearance and had NO payments due. I was told they were updating my online system and not to worry. I asked for payments that my status be back logged to when I actually started school ( a year ago ) so that payments that were made could go to my principle. I was told they would look into it. Within 3 months, despite me still attending school, the phone calls started again, I had past due payments in my account again and my family members started receiving calls again. I was told the in school status was not correct, that I still had payments due. I work full time and go to school full or half time ( depending on the semester ). Managing the account with Navient has been a full time job that I can not afford to have. I would spend hours each day arguing with the members about my status that It became too much of a hassle and I stopped trying.
Product: Credit card or prepaid card

I took a cash advance on Discover in XXXX. I paid an upfront 3 % for this 0 % offer. I kept using the card and paid for the purchases. I was getting charged {$80.00} in interest for a 0 % amount. If I paid the card off for the purchases and the amount left is 0 % why would I get charged interest. I had two customer service people tell me that I had to make a minimum payment on the amount in order to avoid interest. I tried that, still got charged interest. I am getting charged interest on an advertised 0 % amount. If I pay off the purchase amount and the only thing left is the 0 % amount I should not get charged interest. I talked with a supervisor today who gave me a fax number and told me it was a phone number to call. I have been lied to by the representatives. This is very misleading. I should not be charged interest if I pay off the purchases and there is 0 % amount left on the card period. Please see my statement for proof. I took out {$2400.00} plus 3 % so as you can see on the statement. I made {$2900.00} in purchases and paid {$4900.00} on the bill leaving {$2500.00} that was supposed to be interest fee. As you can see I got charged {$81.00} in interest on a supposedly interest free account. I was told I had to pay off the entire amount not be charged interest. If that is true then it is not interest fee as advertised.
Product: Checking or savings account

I was sent a refund check by Citi Card Add-On Remediation dated XX/XX/2018 in the amount of {$730.00}. I did not take it to the bank immediately and forgot all about it until I was going through some papers while on quarantine. I did not cash the check and it expired after 180 days. I immediately called the number on the back of the letter, XXXX, which is no longer in service. I then called XXXX several days in a row and was literally on hold for hours each time. On XX/XX/XXXX I sent @ Citi a tweet and got a quick response. I explained that I would like to be reissued the check. I also attached a picture of the check as well as the letter. I was told to check with unclaimed funds ( I did and it was not submitted ). I was then provided the XXXX number again and I called. I spoke with both an associate and a supervisor and was told by the associate that I would have to contact the company that issued the check. Citi did issue the check. The supervisor told me that if I did not have an open account, they could not help me.
Product: Credit reporting or other personal consumer reports

This account with XXXXXXXX XXXX account was charged off on XX/XX/year> and should not even be reporting anything due to it being open fraudulent!! It has harm me and my credit worthiness and Im asking for this account to be deleted immediately from my credit report not to mention the inaccurate information that is attached on the listing attachment
Product: Credit reporting or other personal consumer reports

I can count about XXXX times for this incident on my XXXX XXXX account and my XXXX account. Its a little too much to go through but if I can find it, I will submit the information if you can you could just check my information youll see that I use XXXX for over XXXX years. Let alone it was reported and accurately on my report. I need this resolved as soon as possible. The fair solution is leading it immediately and compensate me for my loss.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX act. Under 15 USC 1681 my federally protected consumer rights of privacy and confidentiality were violated by the accounts listed below. 
XXXX XXXX : # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX. of XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX 15 U.S.C. 1681 Section 602A States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I never gave.

15 U.S.C. 1681c section ( a ) ( 5 ) States ; no consumer reporting agency may make any consumer report containing any of the following items of information : Any item of adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.