23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. Upon reviewing my credit report, I noticed some inaccuracies regarding late payments that are negatively impacting my credit score.

I understand the importance of accurate and up-to-date information on credit reports, and I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following entries : CAPITAL ONEXXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONEXXXX XXXX XXXX customer service After conducting a thorough review of my financial records, I can confirm that these late payments are either inaccurate or were reported in error. I kindly request that you investigate this matter and, if appropriate, remove or correct the mentioned late payments from my credit report. 

I appreciate your prompt attention to this issue and request that you notify me of the results of your investigation. If the late payments are found to be inaccurate, I kindly ask for their removal from my credit report.
Product: Money transfer, virtual currency, or money service

I have recurring payments setup via PayPal for my XXXX services. I've had my PayPal " preferred '' payment method as my credit card for years, yet somehow they keep defaulting it back to my debit card as the payment method. My monthly XXXX just came out and surprise surprise, it came out of my debit card even though that isn't my preferred payment method ( and never has been ). This happens repeatedly with PayPal ... ... .it 's no doubt a UDAAP violation as they do not want to pay credit card fees, so they default to debit cards you have on account on a regular basis. It's deceptive and they have been doing this for years.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX Account Number:XXXX  Amount : XXXX XXXX : XXXX : {$540.00} Date of Account : -
Product: Student loan

I have made several principle only payments to my student loans with Navient? Instead of them applying all of the extra payments toward the principle, Navient takes interest payments from the extra principle only payments and applies the remainder of the principle only payment future months payment so that they can earn interest from principle only payments. When I make these payments using Navient 's website I choose the option which allows me to make the principle only payment and I still would be responsible for the next month 's payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit monitoring service called XXXX. I pay a monthly fee to them and they send me my fico XXXX scores for each credit bureau along with all collections, open accounts, closed accounts and hard inquiries. This updates every month for me on or around the XXXX. I noticed on XX/XX/XXXX when I got my updated credit reports from all three that Transunion had no fico score. As I begun to investigate further I saw that the information from Transunion including closed, open, hard inquiries and collections were all removed. I had two accounts that did remain, those were my two secured credit cards, XXXX XXXX and XXXX. After finding this information out I immediately called Transunion and spoke to a lady. This was on the same day. XX/XX/2021. I begun to explain to her what had happened and that I no longer had a score and the closed accounts, open accounts, collections or hard inquiries were absent. She was a bit confused and didnt really have an explanation. I hung up with her and called MY FICO. I spoke to another lady and explained everything to her and she told me she also no longer saw a score and only XXXX open accounts. She told me that this happens when accounts are too new to generate a score or you dont have enough information to report and generate a score. After hanging up with her I immediately went on Transunion.com and paid for a credit report which was XXXX dollars. I continued to check my report day after day to support my findings and to confirm what myself and MYFICO customer service told me about the report. XX/XX/2021 I went on my Transunion account to check my score once again and the accounts and all the old information popped back up without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... TransUnion Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update these accounts immediately. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 

XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}
Product: Debt collection

I was seen by the original creditor about XXXX years ago. After I never received a bill I contacted them they admitted fault and that it would not be sent to collections on a recorded line. To be safe I went ahead and sent the payment through XXXX directly to the creditor before I even got the bill because I when I called I was also given the amount and where payment needed to go and I didnt want to wait incase they made another mistake which they did. Which didnt surprise me because I had many concerning clerical issues during my original visit which I thought was corrected but came to find out was not when I talked to someone on the phone and apparently it still isnt because I never got the bill, yet the check was cashed, and I have been harassed in and off for the last XXXX years to pay a debit for a XXXX that I have already paid. Not only hurting my credit but also constantly reminding of a very hard time in my life. AND I am trying to buy a house and this does not look good. This has hurt my life in multiple ways. Any time I see the amount show up on my credit I dispute it and it gets removed. The most recent dispute in XX/XX/2023 was denied. I have attached a copy of the front and back of the cashed check showing the full amount paid to the original creditor. Please just remove it once and for all for good and leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX that I paid in full. XXXX XXXX/XXXX is reporting that I had collections on this account. I paid a total of {$5400.00} to this company and they are reporting that my account was written off. I paid this account in full! There were no collections on this account. They need to report accurate information on this account or remove it from my credit report. I would appreciate it they would update this account with positive information. The date opened and the date first reported is incorrect. Also this account was not written off and I was never late on this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. 

Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. 
In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. 

To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. 
A copy of the police report. 
A copy of my driver 's license or government-issued ID.

Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my credit score and causing significant distress.
Product: Debt collection

XXXX XXXX XXXX ( XXXX NEVADA ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with experian that per the fair credit reporting act section 609 a 1 a that by federal law i required to request the original signed consumer contract with my signature on it for XXXX XXXX XXXX XXXX and Chapter XXXX bankruptcy. The company stated that they verified the information and it is accurate. I have since tried to redispute the items again. And per the website they don't have to re investigate my dispute. i have also sent them the same letter and upload it to their website as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute the inaccuracies found on my credit report. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PORTFOLIO RECOV ASSOC Account Type Debt Buyer I have not entered any contractual agreement with this company and have no obligation to pay Portfolio Recovery Association. The company is a debt buyer. I would like this to be removed from my credit report and do wish to receive threatening phone calls from this company on a daily basis. I believe I am a victim on harassment this should be illegal.
Product: Mortgage

I was in an approved COVID-19 Forbearance Plan for the past 12 months. At the conclusion of the plan I finally was able to talk to a Loancare representative and completed a questionare process to be considered for a loan modification ( due to fact that I have a federally owned mortgage ) which I was advised that I was being approved at current market rate ( which as of XX/XX/2021 was in the 2.5 % range ). I never received a loan modification and was put on deferral plan as of XX/XX/2021 and my loan servicing was transferred to XXXX XXXX on same date. 

Loancare should be held accountable for these actions and I should receive the loan modification at the rate and terms promised by the service advisor. 

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

On XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX i had payments not go through on XXXX XXXX application. The payment kept bouncing but the money was on the account. Eventfully all of them went through and i was able to pay. I worked with customer service and got it all worked out. But in reviewing my credit report it was never fixed.
Product: Debt collection

They keep calling looking for somebody I do n't know. I 've called them back many times nicely telling them I do n't know the person and to stop calling me. The last guy told me they 'll keep trying to reach this person at my number and I am welcome to file a complaint. They have several phone numbers so it 's always different I 'm trying to block.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently a target of identity theft, with the suspect attempting to/successfully opening credit accounts in my name fraudulently. American Express was one of the merchants, so when I noticed the inquiry into my credit, I called them immediately to which they replied they had closed the account, and would contact the credit bureau ( s ) to remove the inquiry on my account. However, I requested the credit application copy that was made falsely in my name. I sent in all the paperwork that was requested, which included a case number for the police report I filed, the police officer 's  name/signature on the case, the date in which the report was filed and a copy of his business card and information ; along with several documents confirming my own identity and other pertinent pieces of information. I went above and beyond what I needed to do and then I received a letter stating that the information I submitted still wasn't sufficient, and therefore they would not hand over the credit application copy. Under the Fair Credit Reporting Act, I'm entitled to that information as a victim of identity theft. The representative refusing this was named XXXX, American Express ID # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they later confirmed I was affected by per their " Potential Impact '' sit
e www.equifaxsecurity2017.com. They have put myself and millions of others at risk
of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.
Product: Checking or savings account

On or about XXXX XXXX I asked XXXX XXXX to send me XXXX checks as I only had one check left in my XXXX XXXX checking account. I learned to from Schwab employees that my checking account had been closed! This without my authorization or knowledge! XXXX from Charles Schwab brokerage called late this morning to tell me that BOTH my checking account and my brokerage account had been closed! He told me, " This is a Schwab mistake ''! He said that my two accounts would be restored. 

Why though were my brokerage and checking accounts closed? 

Who closed them? 

Why did Charles Schwab employee XXXX repeatedly tell me my checking account was closed by me when I repeatedly told him that I had not closed it? 

How confident can I be that this will not happen again? 

How confident can other Charles Schwab Bank customers be that this will not happen to them? 

This is a scandal and not just a " mistake ''!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX XXXX account # XXXX on my credit report. This account is reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : High Credit : Experian : {$25000.00} XXXX : {$25000.00} XXXX : {$0.00} Last Active Date : Experian : XXXX XXXX : XXXX XXXX : XXXX Account Status : XXXX : Paid Profit Loss XXXX : Paid Charge Off Experian : No status listed Payment Status : Experian : As Agreed XXXX : Collection or Charge Off XXXX : Collection or Charge Off Late Payment Status : Experian : Was 30 Days Late 3 Times, Was 60 Days Late 3 Times, Was 90 Days Late 2 Times XXXX : Was 30 Days Late 3 Times, Was 60 Days Late 3 Times, Was 90 Days Late XXXX XXXX XXXX : No late payments listed These discrepancies indicate that the information being reported is inconsistent and inaccurate, violating my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure the accuracy of the information reported on consumer credit reports ( 15 U.S.C. 1681e ( b ) ). The inconsistencies in the high credit amount, last active dates, account statuses, payment statuses, and late payment history clearly violate this provision. Additionally, under 15 U.S.C. 1681c ( a ) ( 5 ), accounts that have been charged off or placed for collection must be reported accurately, which is not the case here.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the account status as a collection or charge off, especially when Experian lists the payment status as As Agreed, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inconsistent reporting across the bureaus also raises concerns under 15 U.S.C. 1692f, which prohibits unfair practices in debt collection. 

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the XXXX XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps sending my check back to me then marking it late adding fees and calling non-Stop. They have done this all year. My father passed away in XX/XX/XXXX, so all assets were frozen I advertise and was paying bills out if my own pocket. XXXX took my XXXX card and put it in my name plus added the business name onto it, we have had this commercial bank account since XX/XX/XXXX. Anyone I speak to at XXXX is just repeating the same thing this ya an attempt to collect a debt. I have copies of all the checks sent back and I even received a letter from them stating they would not take off interest or Late fees. NOT FAIR! Ive never been late they know whos payment it is, I mail it back and they mail it back to me. Not sure what to do but my patience are wearing thin we are going on 7 months! And XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted. and XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted XXXX XXXX has read my decree and they have my deed in Lou of foreclosure that I paid for myself XXXX my ex-husband paid nothing towards it he wanted it to go into collections so between these two banks we need to get this straightened out