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

I disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Equifax - XXXX XXXX XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. 
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

In my previous company about their bully of a collector they said they would stop contacting me by phone and they haven't! 

Attaching screen shot from today.
Product: Credit reporting or other personal consumer reports

On XXXX I reviewed my credit report and I noticed that despite my ongoing efforts and several certified submitted disputes that the credit bureaus Transunion and XXXX has continuously disregarded my disputes and failed to properly investigate which would have governed them to fix the issues as well they never notified me. Transunion and XXXX has violated my consumer rights and the following FCRA provisions. 15USC 1681 ( a ), 15USC 1681a ( 6 ) ( B ), 15USC 1681b ( 5 ) .Attached you will see the credit report that was sent to support my dispute and the items errors were highlighted and to no avail they still failed to comply with my request for removal. I feel that this has been intentional and has caused me significant hardship financially and emotionally and constitutes non compliance with federal law. Im seeking monetary compensation of {$1000.00} per violation accordance with my rights under the FCRA for their extreme negligence in investigating theses disputes in regards to my consumer report which reflects inaccurate /wrong Personal information, accounts and the reinsertion of previously removed information. Also note that I have all receipts for each certified letter that has been sent dating back over a year ago and will submit them in legal proceedings.
Product: Money transfer, virtual currency, or money service

No support when they abruptly close my account for no reason, the funding bank that sent me XXXX $ is saying it wasn't returned by Revolut and another transfer that I sent to another account I own is also missing of {$2500.00}, I have requested tracking numbers and can't get a straight answer. I'm missing this money And I have nothing left they took all my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX van. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX  XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from Chrysler capital. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX  XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.
Product: Debt collection

XXXX XXXX XXXX a debt collection company turned in a false report without verifying that I was the person who owed the debt. No notification through the mail or phone call to try and figure out if I was the right person that owed the debt The only things they had were my name and a birthday. 
I called the original company that the debt was owed and satisfied them within 15 minutes that I was not the person who owed the debt.
Product: Debt collection

I had a debt filed by XXXX a couple years ago. I disputed this debt, as XXXX was in violation of our contract. I won the dispute, and all collections were removed from my credit reports. 

Fast-forward to XX/XX/21, and I receive a notice from a third-party collection agency ( Mountain Run Solutions LLC ) alleging that they have purchased this debt from XXXX, despite it having already been disputed and settled years ago. The notice from Mountain Run Solutions was dated XX/XX/21, but I did not receive it in the mail until XX/XX/21, leaving me with only 4 days to file a formal dispute. So I disputed the debt with them on XXXX via the email address provided on the notice, and Mountain Run Solutions acknowledged receipt of my dispute on XX/XX/21. 

On XX/XX/21 I received a text message from Mountain Run Solutions stating that they were going to report the debt to the credit bureaus if I do not pay them by the next day ( XX/XX/21 ). I told them that they can not purchase and try to collect on a debt that has already been resolved. In response, they offered to send proof of the debt to my mailing address, to which I agreed and provided my mailing address. 

Today ( XX/XX/21 ), just 3 days after Mountain Run Solutions said they would be mailing me proof of the debt, I received notifications from XXXX and XXXX that new collections from Mountain Run Solutions have been reported on my credit reports. 

I believe Mountain Run Solutions has violated the Fair Debt Collection Practices Act, because ( a ) they purchased and tried to collect on a debt that has already been disputed and resolved in my favor, and ( b ) they acknowledged my dispute of the alleged debt held by Mountain Run Solutions and indicated they would be sending me proof of the debt, but instead of doing so they immediately reported the collections to the credit bureaus. I have all the transcripts of these conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX is incorrectly reporting my account late to credit bureaus as being late. 
On XX/XX/20 I called XXXX and asked the representative if there is a program that could help me due to Covid-19. I was assured by the representative if I can make XXXX of the payment today, the balance can be paid on my next statement ( listen to interaction call ). I explained to the representive that if I paid only half the payment, I do not want to be reported negative to the credit bureaus. She assured me that I would be current, but need to make a payment today. After payment was processed she explained I can also change my due date since I get paid only once per month. 

On XX/XX/20 I received an email from XXXX information me that my paid is due. I called the representive and explained my conversation and payment on XX/XX/20. I also informed him he had the wrong account number in his email to me. He said it was a typo.The representive said not to worry he sees the payment. Just to me prudent, I responded to the representatives email confirming our conversation. 

XX/XX/20 I received notification from Experian that XXXX has reported me late. I called XXXX and was informed the representive on XX/XX/20 never deferred my payments. I explained our conversation and I would have not made the partial payment if I was still going to be late. I was informed I would have too dispute with the credit bureaus. 

I am reminded of XXXX logo, " Where credit is a problem, we're here to find a solution. Our company is here to offer options ''. 

I believe XXXX is in violation of the fair credit and reporting act. I want my account updated and reported correctly.
Product: Debt collection

As a victim of identity theft, I submitted a dispute to your bureau, expecting a resolution within the stipulated 30-day timeframe outlined by the FCRA. However, your bureau has extended the investigation period to 60 days without providing any valid reason for such delay. This not only exceeds the legally mandated timeframe but also creates unnecessary stress and uncertainty for me as a consumer. Furthermore, I am deeply troubled by the apparent verification of the disputed items without any valid supporting documentation or information provided to me during the dispute process. This raises doubts about the legitimacy of the investigation conducted by your bureau and suggests a lack of transparency in your verification procedures. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
I demand an immediate and comprehensive explanation of the verification process undertaken by your bureau, as well as the specific information that was used to verify the disputed items. The presence of fraudulent accounts on my credit report has severe consequences for my financial well-being, and I expect your bureau to act with the utmost diligence and transparency in addressing this matter.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to formally address a dispute with my auto lender, Capital One, regarding discrepancies in my account balance and ongoing settlement discussions. 

Details of the situation : Date of total loss : My vehicle was declared a total loss on XX/XX/year>. 
Letter from lender ( Capital One ) : Prior to the total loss declaration, I received a letter from Capital One dated XX/XX/year>, stating that my account balance was {$0.00}. This letter was issued as part of a settlement agreement cancellation. 
Previous settlement : I had previously entered into a settlement agreement with Capital One, which had been cancelled over a year prior. This cancellation letter indicated a different balance owed, which was inconsistent with the {$0.00} balance letter issued later. 
Charged-off account : Prior to receiving the letter stating the {$0.00} balance, my account had already been charged off by Capital One, and they were actively pursuing payment for the charged-off balance. 
Despite the {$0.00} balance stated in the letter, the lender has continued to send me settlement offers with different amounts. These offers, however, do not formally indicate that the balance has been satisfied. While I acknowledge that I may owe an amount, the inconsistency between the letter stating the {$0.00} balance and the subsequent settlement offers is causing confusion. 

Questions and concerns : Accountability for the {$0.00} balance letter : Can I hold Capital One accountable for issuing the letter stating my account balance was {$0.00}, even if it was sent in error? 
Continuing pursuit of payment : Is the lender legally allowed to continue pursuing payment after issuing a letter stating that the balance was {$0.00}? 
Effect of charged-off vehicle : How does the vehicle being declared a total loss and the account being charged off affect my legal rights and obligations in this case? 
Steps to resolve the issue : What steps can I take to resolve this matter or negotiate a favorable settlement with Capital One? 
I am seeking legal advice and clarification regarding my rights and options in this situation. I would greatly appreciate your guidance on how to proceed. 

Thank you for your attention to this matter.
Product: Debt collection

National Credit Systems Have used illegal practices, also this account was removed from My XXXX, XXXX, and XXXX reports then pops back up. This needs to be removed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
bought old debt. Garnished bank account without notice. Took {$410.00} on XX/XX/17
Product: Checking or savings account

I am formally writing a complaint due to identity theft as I am XXXX ( by the federal government ) and collecting SSDI and I was taking advantage of by a woman in XXXX  and I am formally disputing the handling of my checking account closure and the subsequent fees charged to the account in XXXX. Because my only income is said I can not pay back this money especially when I dont owe this debt Specifically, my account was closed by Santander Bank due to a third-party individual ( perpetrators name is XXXX XXXX ) depositing a fraudulent check, of which I had no prior knowledge. ( I filed a police report back in XXXX  with the XXXXXXXX XXXX XXXX Police Department and I worked side-by-side with Santander fraud department. They had the name of the suspect XXXX XXXX ) I am a victim of ident and despite my cooperation with Santander, including filing a police report and following all necessary procedures, I was never notified of this deposit before my account was closed. I was subsequently sent a check for the remaining balance in my account. 

Despite the closure of my account, Santander continued to charge overdraft fees throughout the remainder of XXXX, amounting to over {$1500.00}. I believe these actions violate my rights under the Truth in Lending Act ( TILA ), as the fees applied to a closed account are unwarranted and unjustifiable. The only amount I ever owed Santander was {$200.00}, which I paid in XXXX  as part of the banks funds availability policy regarding deposited checks. Beyond this, I have no outstanding debt with Santander.

I am requesting a thorough investigation into this matter, as I believe Santander Bank has engaged in unfair practices by continuing to apply overdraft fees to a closed account, failing to provide clear communication, and unjustly reporting this information. Should this complaint not be addressed appropriately, I intend to pursue legal action for four years of financial hardship and emotional distress caused by these unwarranted actions. 

Please confirm receipt of this letter and provide an update regarding the investigation. I would appreciate a prompt resolution, as I intend to resolve this matter fully.
Product: Debt collection

Debt collectors kept calling me and trying to force me to pay a the balance and disregarded my attempt to let them know that it was identity theft in the month of XXXX on the day XXXX, in addition calls under different names such as one being portfolio recov assoc And Portfolio with inaccurate amounts way over the fraudulent debt, in accurate and inconsistent information being submitted to the 3 bureaus and reported on my credit report with in accurate account numbers, account status and missing information and verification and are still visible on my application. I continued to dispute the account because it was an identity theft byproduct and instead the account was reinstalled causing further damage to my credit and profile impacting me mentally and financially and ruining my consumer image because of identity theft.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history witHXX/XX/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 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.

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: Credit reporting, credit repair services, or other personal consumer reports

This bill was paid thru the original creditor - XXXX XXXX for {$510.00}. 

Penn Credit refuses to take their name off my credit report because we did not pay them but instead paid the creditor directly and it has been paid in full for a long time. I have called numerous times and explained that they shouldnt have their name on my credit report and the account was paid with the original creditor and they refuse to take their name off my credit. 

This account needs to be removed. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Student Loan Accounts Under FCRA Rules Dear Consumer Solutions, I am writing to formally dispute the accuracy and validity of several student loan accounts that are currently appearing on my credit report. These accounts have a significant impact on my personal livelihood and financial well-being, and I am seeking their removal in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 
Below are the account details for the disputed student loan accounts : * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX I wish to bring to your attention that these accounts are no longer present on my credit report. Their presence is causing unwarranted harm to my credit score and overall financial standing. I have diligently managed my credit obligations and have adhered to responsible financial practices, and it is crucial that my credit report accurately reflects this.

In accordance with the FCRA, I kindly request an investigation into the aforementioned student loan accounts. As per FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to accurate and up-to-date information on my credit report. Moreover, FCRA Section 611 ( a ) ( 1 ) ( B ) mandates that if any information is found to be inaccurate or can not be verified, it must be promptly deleted from my credit report.

Please provide written confirmation of the initiation of the investigation within five business days, as stipulated by FCRA Section 611 ( a ) ( 2 ). Furthermore, I request that you provide me with a written update on the progress of the investigation and its outcome, in compliance with FCRA Section 611 ( a ) ( 6 ) ( A ) ( iii ).

I am committed to resolving this matter and ensuring the accuracy of my credit report. Your prompt attention to this dispute is greatly appreciated. If necessary, please feel free to contact me to discuss any further details or clarifications. 
Thank you for your immediate assistance in this matter.
Product: Mortgage

Community Loan Servicing ( previously Bayview Loan Servicing ) does not have any idea what is going on with my mortgage. They will not accept payments. They will not give me access to COVID relief mandated by law. They will not return calls or emails.The amount of XXXX Community Loan Servicing, XXXX XXXX and his cohorts have bestowed upon me and my family is inhuman and unlawful. Loan modifications, deferrals and repayment plans are all clearly mandated by law and just as clearly ignored by XXXX and the company he manages. Their one goal is to profit on the weak and those that do not have the knowledge or abilities to stand up for themselves. I had to demand to talk to a supervisor for over an hour while I listened to the " ASSet managers '' try to convince me to short sell my home. I have the money to pay my mortgage but XXXX and Community Loan Servicing will not accept it. This is the second time I have had to involve a third ( oversight and regulatory ) party just to keep XXXX and Community from taking my home and putting my son and I on the street. I don't have words for the amount of shame I feel for even being the same race as XXXX XXXX and the employees of Community Loan Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be XXXX  % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XXXX  and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.