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

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX days and they have failed to respond. I am attaching copies 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: Debt collection

COACHELLA VAL COL SV is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( COACHELLA VAL COL SV XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I never authorized any transactions or any account to be reported on my credit file. 
According to the Fair Credit Reporting Act, legally these unauthorized items must be removed and immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with XXXXXXXX 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 60 days 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. 


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! 


Delete the late payments from my consumer reports XXXX
Product: Bank account or service

XXXX of my Navy Federal checks was stolen from my check book and cashed for {$1500.00} at the XXXX XXXX on XXXX XXXX, 2016. The XXXX XXXX aloud someone without an account to walk in and cash the check. There was not enough money in my account to cover it, which should have been red flag. Navy Federal is saying I am at fault because the signature on the appears to be minds. There was some canceled checks with my signature on them in my check book at the time the check was stolen. I reported this issue to the police and was told that anyone with a cell phone can take a picture of a signature and superimposed it on any document. Navy Federal is refusing to refund me the money.They aloud some to walk in who does not have an account and cash a check plus there was not enough money in the account to cover the check and no one asked any questions.
Product: Debt collection

This alleged debt is does not belong to me, and under the FDCPA you have not validated this alleged debt and therefore should not be furnishing the account on my report without following the laws. I have asked for specific documents and full disclosures for me to review. Please respond with each request in full. 

If this persist I will escalate matter to Attorney General and any other FDCPA regulation company necessary.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter
Product: Credit reporting or other personal consumer reports

I sent my dispute letters in XXXX and my account was disputed and done but they re added the deleted items back on my report
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX ACOUNT NUMBER : XXXX Collection amount {$9200.00} This account has been disputed through the cfpb and came back accurate without any proof of accuracy and no explanation
Product: Credit reporting or other personal consumer reports

XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

They called on XX/XX/XXXX @ XXXX ( PST ) They called on XX/XX/XXXX @ XXXX ( PST ) They called XX/XX/XXXX @ XXXX ( PST ) I asked them to identify themselves if they are a collection agency, they refuse EVERY TIME. 
They request for me to submit my SS #, DOB, and address before continuing to answer my questions. They respond by saying that they have a serious business matter to discuss. 
I tell them that I NEVER give my personal info over the phone, and I tell them that I NEVER WISH TO BE CONTACTED BY PHONE by their company ever again. I also mention that I am registered under the National Do-Not-Call Registry, and they laugh and continue to ask my personal information. 
Either way, they are either violating the FDCPA or CFPB regs. Please help with this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 reviewed my Consumer Reports and noticed that there was an inaccurate accounts ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting

I 've disputed the information with Transunion, XXXX, and XXXX about duplicates listed on my negative account regarding student loans. One loan is listing for only XXXX $ but is clearly a part of the loan with the same account number and open dates. There are other student loans from Dept of Education/XXXX with the same everything thus, listing that I have XXXX negative accounts when there should only be one. This is really hurting my credit score and I ca n't get the Dept of Education ( since the loans are no longer with them ) nor the credit bureaus to correct this information.
Product: Debt collection

I am following up on my previous complaint ( XXXX XXXX. XXXX ) regarding Calvary Portfolio Services and their continued failure to validate an alleged debt. In their response to my initial complaint, Calvary failed to provide sufficient documentation to substantiate their claim, including a complete chain of assignment or proof of title to establish their legal standing to collect the debt. They also did not provide the date of first delinquency, which raises concerns about potential illegal re-aging of the debt. Additionally, they have not disclosed the date of the last payment or a detailed account history, making the debt unverifiable. These actions may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and they are causing continued harm to my credit. I request that the CFPB require Calvary to provide proper validation of the debt, including the chain of assignment, date of first delinquency, and date of last payment, or remove any unverifiable information from my credit reports. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still continuously violating my rights under the FCRA. XX/XX/2020 I sent a request according to section 611 of the FCRA giving my right to see the procedural proof of how these accounts came to be on my report even after dispute. Under my rights I had 15 days after my request to receive this information. As of today I have yet to receive any proof. The law states if the credit furnisher fails to provide this information and timely, the credit furnisher has to remove the information being disputed. 

Experian closed another dispute this morning failing to remove any accounts and further stands by the fact that the information has been verified again without providing any proof. Your organization is set up to help consumers fight in these instances when rights have been violated. Yet you continuously allow credit bureaus to break the law. I have consulted with a Consumer protection attorney here and hopefully we can just take this matter to the courts. I have enough proof that Experian is violating the law knowingly and willingly and CFPB is allowing. I will seek damages and all allowed for my credit worthiness having to take a hit due to negligence by Experian and all involved with allowing these violations.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchase a XXXX XXXX XXXX vin XXXX in the amount of XXXX dollars and my financing was with Ally who was the lien holder account # XXXX. XXXX XXXX XXXX, KY XXXX. On XX/XX/XXXX the vehicle was involved in an auto accident and was damage claim # XXXX and total out. I had full coverage insurance with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. On XX/XX/XXXX my loan payoff amount was {$14000.00} Ally gave me a settlement offer amount of {$10000.00} this settlement offer will satisfied the original loan payoff amount and will pay the loan off which would leave a {$.00} balance the loan would be paid in full, and I would n't be responsible if I accepted the settlement offer amount. Ally financial said they will release its interest/ title on the vehicle to my company if I paid XXXX and they said the offer was good until XX/XX/XXXX. XXXX XXXX insurance issue Ally a check on XX/XX/XXXX in the amount of {$10000.00} I had to sign the vehicle title, a letter of guarantee, and sign a Power of Attorney form giving up my rights to the vehicle and the Loan. I signed over my rights from the loan and the vehicle on XX/XX/XXXX. 
I accepted the settlement offer from Ally and they were paid off in full the settlement amount. Months later Ally came back to me trying to collect {$3800.00} from me which I do n't owe anything on this account the settlement offer forgive the original loan amount. Ally has reported this on my credit report and this needs to be remove from XXXX XXXX, XXXX, and XXXX credit reporting agencies. I had recently obtain a copy of my credit report, which contains inaccurate and out dated information reported by Ally I request that they remove the entire account from off my credit. I gave them 30 days and file a dispute with the credit report agencies, In accordance with the Fair Credit Reporting Act, 15 USC section 16811 this is unauthorized and illegal This need to be remove The following account is described erroneously and needs to be deleted The following account was close on XX/XX/XXXX but is not listed accurately on my credit report. I sign over my rights and interest in the loan and vehicle this was agree upon Ally and myself. I have attach documents to support my request. Please delete this account off my report they are wrongfully reportinf false information, and this is fraud.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$11000.00}
Product: Mortgage

As per complain XXXX, Nationstar Mortgage alleges that I paid full mortgage payments during my trial period. As soon as I received my trial period, I began making payments of {$600.00} for the first month, {$600.00} for the second month, {$600.00} for the third month and {$570.00} for the fourth month when it was brought to my attention that I needed to make the exact amount and that I had full filled the trial period by their representation. Their representative, XXXX, who is a manager, told me they had added an additional month to the trial period. I have resubmitted the forms to them for a new loan modification and they have laughed at me and told me I have been denied. " Once you fail a trial period - you NEVER get another. '' said XXXX on XX/XX/2016. Nationstar failed to apply the funds properly as shown in the original mortgage statements I sent to you in the above referenced complaint. Notice the unapplied funds in that statement. They were putting the payments in unapplied funds and then applying them as full payments. I never made a payment for {$470.00} which shows as being applied at one point - this occurred because they had n't been applying the funds correctly. They were taking the trial payments and applying them as full payments creating the failed environment themselves-which is what I have been telling them all along. They do n't know what they are doing. It is fraudulent and and obvious effort to take my house. I have had to humiliate myself by begging and borrowing money from family and friends to save my house and prevent myself from becoming homeless. No one is looking at the proper place on the statement. UNAPPLIED FUNDS which is where they put my proper payment!!!!!!!!!
Product: Debt collection

I noticed this fraudulent account coming from Caine & Weiner, after looking into the alleged debt in all three ( 3 ) Credit reporting agencies XXXX, XXXX, and XXXX I then moved forward to dispute this alleged debt with Caine & Weiner. 
I sent Caine & Weiner a letter of dispute with a conditional communication via mail correspondence only. 
I did NOT receive a response from Cain & Weiner. 
Caine & Weiner did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts. 
XXXX XXXX found Caine & Weiner in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer. I will provide documents that support my claim. 
Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about, which Caine & Weiner continues to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

These are the violations of Consumer LAWS
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I asked for investigation and evidence, but they responded " verified '' XX/XX/XXXX I asked for a reinvestigation and evidence, but they responded " verified '' XX/XX/XXXX I provided documentation and proof that the accounts were reporting inaccurately XXXX is being falsely reported with different Last Payment date between all three credit bureaus, the Date Opened is not the same for all three credit bureaus, Date of last Activity for all three credit bureaus is not matching Experian has XX/XX/XXXX as payment received, but Equifax has my XX/XX/XXXX payment as 30 days late as first month late, XX/XX/XXXX on Experian is reported on time payment, but Equifax has it reported for 60 days late. I asked them to Delete this account for its false reporting and inaccurate information. They continue reporting knowingly with no regard to laws XXXX was charged off as of ( XX/XX/XXXX ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Reporting on my credit report falsely and also falsely manipulates the statute of limitations. I reported this to them through certified mail, and they continue to report I asked them to delete this account, but it's still there. Equifax deleted the account when I wrote them on XX/XX/XXXX XXXX IS FALSELY REPORTED with inaccurate information because TransUnion has it as 120 days late in XX/XX/XXXX, and Experian has it as 150 days late for XX/XX/XXXX, AND TransUnion has it 120 days late for each month starting with XX/XX/XXXX. I asked them ( TransUnion and Experian ) to delete this account, but it's still there. Equifax deleted the account when I wrote them on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes with XXXX, XXXX and Experien regarding a predatory loan that was paid in full via auto bank draft withdrawals and even after providing proof of all payments made, the aforementioned credit reporting agencies did not delete the erroneous information.
Product: Debt collection

XX/XX/2020 I call synchrony bank for information about my account and they said that my account was sent to collection agency XXXX XXXX XXXX and the phone number that they give me is not available. 
XX/XX/XXXX I call again the Synchrony bank trying to see if they have another number to call but they give me the same one. 
XX/XX/XXXX I send email to XXXX XXXX XXXX the one i found online XX/XX/XXXX I got email from them saying they don't have the account from my debt. 
XX/XX/XXXX. 
Im done call XXXX  and they told me to fall complaint here to see what they can do. 
The disputes are saying to XXXX  that they have the account but it not true because if they have it I can be able to make the payments. The bank keeps reporting to my credit and its CLOSED but is unpaid and its giving me hard time to get house. PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXXXXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit card

I have had a capital one venture XXXX credit card for several years now. I am ready to convert my reward points to airline miles, but I can not access that portion of the website. I have no problems logging into my capital one account, but once I try to access the reward page, where I can convert points to partner airline miles, it asks for log in info again, and then adds a second step phone verification code. I request a verification code, and the screen says the function can not be completed at this time. The access problem exists whether on my phone app or on their website on a desktop computer. 
I called capital one about this, and their response is that its a known system problem, and can not give me a time frame when it will be resolved. I have waited nearly a week, and still have the same problem. 
I am frustrated that I can not access one of the main features of this credit card reward system.