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

This account was initially charged off in XXXXXXXX XXXX Since that time, the account has repeatedly been reported as charged off each month, which constitutes an ongoing and inaccurate update to the payment history. An account that has been charged off should not show an active or updated payment history, as this misrepresents the accounts true status and may artificially extend the statute of limitations. 

Your failure to investigate and address these inaccuracies properly, after I have asked multiple times for you to investigate, shows your company 's neglect to investigate and re-investigate this account and is a violation of my rights. Additionally, I consider this a deceptive business practice and will be reporting this to the Federal Trade Commission ( FTC ). Per15 U.S. Code 1681i - Procedure in case of disputed accuracy, you have 15 days to remove this account. I am demanding the deletion of this account from my consumer report : XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from ERC dated XXXX XXXX, 2017 with a third parties name on it ( XXXX XXXX ) claiming that I owed their company for an alleged debt. The letter also stated that I had 30 days to dispute the validity of this debt. I sent ERC a certified letter and they received it within the 30 day time frame. However the same day they received the letter they placed this item on my credit report.
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I disputed the validity of this debt, and I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt.
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Per this requirement ERC must delete this trade line if they do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) It has been almost 60 days since they received my certified letter and they are refusing to comply with the Texas Finance Code. I was also unable to locate a surety bond for this company, which is required in my state for them to collect on this alleged debt.
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Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me pursuant to Texas Finance Code Sec. 392.403.
Product: Debt collection

I was called out of the blue by a debt management company that came in possession of a loan that was pulled under my name. I thought it was a scam when they asked me to pay XXXX dollars to them to keep them from sueing. Now someone gave me papers saying I'm being sued for not paying off a loan i didn't pull.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the accounts listed have inaccurate reporting, including inaccurate amounts and dates.
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 XXXX. 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 XXXX XXXX XXXX. 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 those account 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Money transfer, virtual currency, or money service

I was supposed to send money to this person and it did n't send the correct amount. I sent {$20.00}
Product: Vehicle loan or lease

I sent Credit Acceptance a " Debt Verification Letter '' by Certified Mail # XX/XX/23, asking for detailed " accounting information according to U.S.C Title 15 1692, U.C.C. These are some of the question I asked to be verified : Where is the contract, where me and you signed? Credit Acceptance ( YOU ) signed saying, said money was given to the debtor and by what form was the Federal Reserve Notes ( CASH ) attained by the borrower? Was the money ( CASH ) deposited into consumers bank account? Provide the date and time of the banking transaction? Who is the original Creditor on the account? 
XXXX. TENDER OF PAYMENT ; ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. And ( c ). I have given Credit Acceptance my instrument signed, endorsed and paid to the order of them which they did not accept. Any time I receive and instrument " bill '', a negotiable instrument, addressed to me with my information by law I am the " holder in due course '' and I can pay to the order to anyone per CFR 328, U.C.C 3-301. I have sent their Indenture Trustee ( Computershare Trust N.A ) My instrument with my correct endorsement per the Fiscal Department with a 1099A, 1099C and I just e-file 1099A with the IRS, to the correct person. I have sent letters demanding that their communications be through certified mail as all my responses and correspondences are. I have done an Accord and Satisfaction no response per 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT. They charge me a down payment of {$1500.00}. they will not give it back. they refuse to send me a copy of my full contract. I have been asking for several months now. They kept deny me for a loan on a car and ran my credit score down so they could place a higher interest rate. The sticker price on this car was {$10000.00} and they charged me more on the car because of my credit score and the amount of inquiries that had hit on my credit report.
Product: Credit card or prepaid card

Good afternoon CFPB, This is complaint is regarding Old Navy. Old Navy initiated the process of providing me with a new card. However, they failed to advise me that new card would come with a totally different Annual Percentage Rate ( APR ). My APR on my statements looks like the following : CURRENT APR 25.99 % BEFORE XX/XX/XXXX 24.99 % When I spoke to the Representative XXXX on XX/XX/XXXX, she immediately disconnected the phone when I mentioned a lawsuit. I advised her that I was not made aware of a separate APR just for being issued a new card. 

Any help would be greatly appreciated! 
XXXX XXXX XXXX cc : XXXX XXXX, XXXX XXXX XXXX XXXX, FTC
Product: Debt collection

Date : XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : Debt Validation Request To Whom It May Concern, This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g, for validation and verification of the debt referenced above. I hereby demand that you immediately cease all collection activities until you provide me with proper validation of this debt. I dispute this debt in full and require the following information within 30 days : 1. 2. The original signed agreement or contract that legally binds me to this debt. 
A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges.

3. Copies of all account statements from the original creditor proving the balance you claim I owe.

4. A full accounting of all payments made, including dates, amounts, and how those payments were applied.

5. 6. 7. 8. The name and contact information of the original creditor.

Proof that the debt is still within the statute of limitations.

Proof that you are licensed to collect debt in my state.

A copy of the assignment or transfer of debt from the original creditor, with proof of the chain of custody if this debt was sold.

9. The date of the original debt and when it became delinquent.

10. Proof that this debt has not been discharged in bankruptcy.

11. The original creditor 's explanation of why this debt is owed.

12. A copy of the last bill sent by the original creditor showing the exact amount.

13. Documentation verifying that I am the correct person responsible for this debt.

14. Proof that you or your company is legally authorized to collect this debt in my state.

15. A complete history of the debt from its origination to the present day, including any additional charges and adjustments.

If you are unable to provide these items, this will be considered a failure to validate the debt, and I expect you to cease all collection activities and remove any negative information from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Additionally, I reserve the right to pursue legal action for any further harassment or violation of my rights.

I look forward to receiving your prompt response within the required 30 days. Please be advised that failure to validate this debt in full will result in my demand for its immediate removal from my credit report and cessation of all collection efforts.
Product: Credit reporting

I have been spending countless hours making phone calls and writing to Experina credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collector goes by the name Jefferson Capital System. They reported an unpaid Debt on my credit report on XX/XX/2020 for the amount of {$1000.00} claim I ow this amount from the original creditor XXXX XXXX. I have made many attempts to resolve this error. I have reached out to XXXX XXXX who confirmed the debt does not belong to me as my account was paid. I have notified and disputed ownership of this debt with Jefferson Capital System a dozen times since XXXX of XXXX and every time I requested proof of the debt they claim belongs to me which they have never sent and that is because the debt does not belong to me and I have confirmed this with XXXX XXXX XXXX This debt collects Jefferson Capital System has violated my rights on more then 12 occasions I had requested Debt verification from them but the only thing they mail me is an offer for 10 % off the debt and has never once provided me debt verification. The debt belongs to a family member with a similar name and the same address however we have completely different SSN and birthdates. This debt collector has wrongfully accused me of a debt I do not owe and illegally continues to damage my credit report and harassment me with mail threats and discount offers and refuses to send proof or debt ownership.
Product: Debt collection

Peerless Credit called my direct line at work 4-5 times. The first call I chose not to identify myself and he mentioned he would call back. I was not at my desk for all of his call attempts, prior and post speaking with him. When I took his ( assuming ) last call for today, I asked him to identify the nature of which he was calling. He mentioned it was personal and I told him we were not permitted to take personal calls at work. He informed me he spoke to someone earlier ( me ) and that they said it was okay. I told him I was under no obligation to identify myself to him while at work, and that he was not permitted to contact me during work hours and could call my personal phone number. He then told me he would be telling the debt originator that I was refusing to pay, among other things. I told him that I never said I refused to pay, rather that I didn't want to be contacted on my work line and that he was not authorized to call me on that number. I asked if the calls were recorded because that would serve as proof that I never refused anything, and tried to offer an alternate contact number. He continued to raise his voice and hung up on me.
Product: Credit reporting or other personal consumer reports

I have asked the companies that show up on my credit report, as well as requested the credit bureaus to delete all inquiries, closed accounts, and collections from my credit report because I believe or know that I am a victim of the recent data breaches that the credit bureaus fell victim to themselves. I have asked for proof that my signature is on any paperwork, where I requested any of these inquiries. Where is the paperwork from the collection agency, that shows that I signed an agreement with them?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XX/XX/22 RE. this account has been disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXXXXXX XXXX  Inquiry Date XX/XX/202XXXX XXXX  Inquiry Date XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

The account was in a negative static and i paid the account in full in then and the account haven update. there is XXXX different company 's that I was redirected to report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the original company XXXX XXXX. This account is continuing to being sold to other agencies even after it has been paid in full. 

The account was paid in full in XX/XX/XXXX, As shown on the payment conformation letter that I am uploading. However the last payment date on the credit report is showing for XX/XX/XXXX.
Product: Debt collection

I pacifically sent several dispute letters to Experian about this problem.this debt does not belong to me. They sent back a verification letters saying it belongs to me which is not true.
Product: Debt collection

The item is FMS ( Premiere Property ), it should never have been listed for the following reason : A ) It is illegal in the state of Maryland for judgments to be placed on credit reports unless the money judgement box is checked, B ) The amount on my credit report is {$9000.00} but the judgement amount was {$4100.00} C ) I filed an appeal to vacate it and it was granted and D ) By law credit bureaus are supposed to delete inaccurate information and by no means should those accounts still be listed after I provided substantial proof. My next step will to file a lawsuit against XXXX if they keep refusing to delete the items and intentionally disobeying the mandated laws that are suppose to protect consumers. There is no way the credit bureau nor collection agency validated this because if so it would of been removed due to the erroneous errors. How could it been validated as correct if the amount itself is wrong and every error that was pointed out with proof to substantiate my claim?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.
Product: Mortgage

We have a number of accounts with 5/3 bank. The staff always has been aggressive in selling products. In 2004 a loan officer approached us about equity lines. Long story short -- worst mistake EVER. We took out equity lines on our free & clean homes. Appraisals were flawed & the loan officer misrepresented some information. We know now of course we should not have done this!! This was during the wild west lending period. I wish we could say we took lavish vacations or bought expensive cars -- No we put the $ $ back into properties. We have been paying on these lines for 13 years -- we are now in our XXXX 's -- can not sell for what we owe!! We are having an impossible time making these payments. This situation is ruining our health & causing sleepless nights. We would like 5/3 to reduce the balance owed on these properties. Here is the last straw -- I put this all into writing to 5/3 & went to submit & their website said " technical difficulties -- could not submit '' Grrrr PLEASE HELP!!! XXXX & XXXX XXXX
Product: Checking or savings account

Truist Bank ( formally SunTrust Bank ) issued new debit cards, before I can replace my new cards to my online accounts such as XXXX XXXX XXXX trusit had already allowed XXXX XXXX XXXX to have my new card info without telling me, and XXXX XXXX XXXX charge my truist checking account for a service, I didn't want to update my new card to XXXX XXXX XXXX that is why i never did, and Truist went along and gave the company my card info without my permission. I have incur overdrafts fees in the hundreds this is unfair, and at the same time truist is paying your debits/ purchases out of sequences. Causing more overdrafts. customer service is non existing and rude, your on hold for over and hour. 

How is it even possible for truist to give a customer info to a company with out permission? 

I never updated my new debit card with XXXX XXXX XXXX so how did they get it, it was accessed through truist
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I leased a XXXX XXXX through Chase Auto Finance in XXXX, XXXX. It was a 42 month lease and we had perfect payment history - often paying 3-6 months in advance. When the lease was up inXX/XX/XXXX I called Chase AND the local dealer multiple times to make sure we didnt owe anything else at the end of our lease. Everybody told us we were paid up and there should be no further payments. So, we returned the car on/around XX/XX/XXXX. Then, approximately 25 days later, I received a call from a number I did not recognize stating that I owed {$300.00} for an end of term payment and that I could only pay by giving them my checking account and routing number over the phone. No payment portal, no credit card or debit card payments, and no email remittance. I told the gentlemen that it felt very suspicious and I was not at all comfortable with that. I then asked if he could send me an email so I could confirm that he worked for Chase. He said he didnt have email. I asked a few more probing questions and he said i should be receiving a letter notifying me of my payment due. I told him I had not received any such letter but when I did, Id pay immediately. 

Fast forward a few days and I got a credit reporting alert saying that I was 30 days late on a Chase Auto payment. I immediately called chase and asked them what in the world was going on. They were very unhelpful but offered to take a payment to prevent further late-payment reporting. 

I then tried to dispute the late payment reporting directly through Chase and not a single person could even help me file a dispute. 

Again, I had 42 months of early payment history and I a substantial balance in a Chase checking account for the latter part of my lease. We never had a single issue and it is absurd that I cant even get a dispute filed through Chase after this debacle.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX Balance : {$470.00}
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 Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6000.00}
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY BECAME AWARE THAT I AM A VICTIM OF IDENTITY FRAUD. THERE ARE FRAUDULENT ADDRESSES REPORTING ON MY CREDIT REPORT IN WHICH I HAVE CONTACTED EXPERIAN TO REMOVE BECAUSE THEY ARE FRAUDULENT HOWEVER THEY HAVE NOT REMOVED THEM YET, THE FRAUDULENT ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )