23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I sent Capital One Auto Finance Attn : XXXX XXXX XXXX a correspondence entitled Notice of Acceptance along with a private money order and requested that Mr. XXXX send confirmation that my entitlement orders had been acknowledged and honored for the account # XXXX, and that the obligation had been settled and closed per my instructions. It was sent certified mail # XXXX XXXX XXXX XXXX XXXX RRR with an Affidavit of Mailing attached. It was received and signed for by DC on XX/XX/XXXX, and since then I have received a late payment on my consumer report and no response to my correspondence. Mr. XXXX, as you well know that there exist an operational presumption at law from the failure to answer a business letter. As the CFO of a securities intermediary, I am sure you have no aspiration to eschew good faith when it is essential to answer and honor your duties to me as an Entitlement Holder. If you fail to cure the breach, your refusal will be interpreted as agreement and you will be presumed to admit the propriety of the acts mentioned in my earlier correspondence ( see attachments ) and to adopt them, also inform the Illinois Attorney General and the Better Business Bureau of this mishap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**,
Product: Debt collection

I have received a call, they explained to me that they are trying to attemp to collect a debt, I am personally sure that I have paid all my bills and I have no debts pending. 
I have requested a written letter with details so I can understand where this debt is coming from but the lady who was on the phone refused to send me that information, after that conversation I found out that I have a new collection on my credit report, that is not right, they are not clear and they refuse to help support with more documentation, I expect from you to remove that wrong debt from my credit.
Product: Credit card

I had a couple late payments, but then would pay a large amount to knock down the balance and reduce the credit/balance percentage, but EVERY time I do that, they drop my limit down to a couple dollars over what I just lowered my balance to ... literally a few dollars! 

I 've been trying to get approved on an apartment, paid off most of my credit cards and paid down a couple, including my Lowe 's card after receiving a large paycheck for a project that was paid to me late. XXXX 2015 the balance was {$710.00} XXXX with a {$790.00} limit ) or so and so I paid {$220.00}, then another payment of {$240.00} in XXXX 2015, dropping the balance down to {$240.00} XXXX with a {$790.00} limit ) so that it would be a low percentage of my credit limit and help my credit score ... so days later they dropped my limit to {$250.00}! 

They have done this EVERY time I make any payment larger than the minimum ... it 's not once a year or any regularly set time. So after making this recent large payment, I 'm now " maxed out '' AGAIN and my credit score just dropped significantly more. 

I called them and they just gave me the address to write to the FCRA. 

This can not be legal. None of my other cards have ever done that ...
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX,, XXXX XXXX Balance : {$290.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Put my address back on my XXXX credit report account today. And update my credit reports for 2023 of this months XX/XX/2023 today for XXXX, Equifax, XXXX to the lastest credit report of 2023 of XX/XX/XXXX Thxs
Product: Credit reporting or other personal consumer reports

Last XXXX around the first week while trying to buy a house for my family, I found discrepancies in my credit reports with XXXX, TransUnion, and XXXX, as per 15 U.S.C. 1681. 
Since then I have been promptly contacting all three credit bureaus to address the issues, requesting the It's crucial to eliminate any fraudulent accounts promptly. requesting removal of outdated addresses, unauthorized inquiries, and the closure of erroneously reported accounts, both online and via phone communication. 
According to 15 U.S.C. 1681, such inaccuracies should not be present on credit reports as they can damage one 's reputation.
Product: Credit card or prepaid card

I received my Credit from all 3 credit bureaus, & a Inquiry is showing for XX/XX/XXXX & XX/XX/XXXX it is showing that someone tried to apply for a credit card from Capital One using my idenity. I have never tried to appIy for a credit card from any company as I have no effort and do not wish to have credit cards.I have called Capital one and explaining that this was fraudulent and have spoken with several representatives but have not been successful of getting this Inquiry removed.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer credit report and I found inquiries that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX that was supposed to be removed. It was removed from my XXXX and XXXX credit report but not my equifax. And according to equifax it was being removed due to inaccurate information. The file attached shows that it was removed on XX/XX/XXXX but it 's still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$13000.00} XXXX XXXX {$440.00} XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX {$310.00} XXXX {$1300.00} XXXX XXXX {$130.00} XXXX  XXXX {$470.00}
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with a fraudulent collection and fraudulent unauthorized inquiries
Product: Credit reporting or other personal consumer reports

Thank you for your response dated XX/XX/2023 regarding my dispute under the Fair Credit Reporting Act ( FCRA ). I appreciate your attention to this matter. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days I understand that you allegedly have processed my request and have forwarded a copy of the Investigation Results through US mail ( which I still have not received, ). I anticipate receiving those results in approximately 7 business days. 

However, I would like to address the issue of the delay in responding to my initial dispute. As stated in my previous communication, the FCRA Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a consumer 's dispute. It is evident that the response I received from TransUnion [ Credit Reporting Agency ] was well beyond the mandated 30-day timeframe. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days While I acknowledge that non-monetary relief has been provided by allegedly verifying the reported information, I must emphasize that the delay in responding to my dispute still constitutes a violation of my rights under the FCRA. This violation has caused me damages and harm, as outlined in my previous letter. 

Therefore, I maintain my demand for monetary relief as compensation for the violations committed by TransUnion [ Credit Reporting Agency ]. I believe it is fair and reasonable to seek [ {$27000.00} ] as monetary relief for the damages I have suffered. 

I demand that you provide appropriate monetary relief in accordance with the FCRA. I expect a prompt response to this letter within [ 10 business days ] from the date of receipt. Failure to provide a satisfactory response or to offer appropriate monetary relief may result in further legal action to protect my rights under the FCRA.

Please be aware that I am keeping a record of all correspondence and actions related to this matter. I am prepared to take necessary legal steps to ensure that my rights are upheld and that appropriate remedies are provided. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days
Product: Credit card

I received an e-mail from XXXX XXXX to a restricted account that was NOT given to them and they are NOT authorized to send alerts to. They need to remove XXXX from their system and do NOT send me e-mails there.
Product: Mortgage

Rushmore Loan ( servicer ) and XXXX ( alleged Investor ) claiming to somehow have a vested interest in my property located at XXXX XXXX XXXX, XXXX NY XXXX. Have entered and illegal sale date on my property for XX/XX/2018. 
Under The Federal Housing Act, all loans are covered by mortgage insurance. My property was insured, the insurance premiums were paid, and yet I have been defrauded. There has been an active engagement in constructive fraud by the mortgage insurance company and the financial institution against myself as a consumer. 

I am requesting information : *On how mortgage insurance paid out? 
*When the claim was made? 
*and who got the monies? 

The consumer protection laws are there to assist individuals such as myself when are harmed as a result of unscrupulous activities. 
The mortgage on my loan was not on my home, the mortgage was on the loan. The lien was on the home! I believe based on the aforementioned laws that the financial institutions have been duly compensated, in fact our agreement was that the home was not a collateral for a loan i.e. I use the loan to acquired a home, and until I acquired the home, the home was not mine for me collateralize, meaning that I could never place something I do not have the ownership as collateral. The mortgage-back security agreement permitted and /or allowed financial institutions to trade my property on the market in lieu of payment for the loan, because the stock market investments are construed as a risk, I agree to allow my home to be used as collateral in place should the financial institution did not receive the benefits of such transaction on the market. I forwarded my interest that was due to me as a result of my being a trust interest holder and an investor on that mortgage-backed security, so that those receipts would be applied to the balance of the account, this did not happened. 

I also have been giving information that the financial institution has received tax credits and other benefits as a result of charging off the account, yet those credits and or adjustments have not been applied to the account as is cognizable under Gen. accounting procedure. The failure on the part of the financial institution and or the securitization trustee to keep accurate accounting has resulted in in my being harmed, and I hereby protest such actions and interactions as a result of it being a violation my due process rights. 
The financial institution was asked to give a complete comprehensive accounting. Staments as proof there was some exchange form of value proving this financial institution are the owners of due cause, and their proof of tax registration certificate. I am by law entitled to a complete comprehensive accounting, and all of the others requested documents.
Product: Credit card

I was charged XXXX $ by chase credit card at a XXXX  air port because they refused to return the cigarettes I bought form their duty free. I made the purchase without knowing they have that much taxes .no on spoke English in the air port not document I sign was in English. I couldnt understand what was written or what was in Spanish language. 
I was surrounded by police officers who dont speak English. I tired many cards I have in my possession but non of them worked. The XXXX customs asked me for a {$200.00} as a bribe but i refused to pay. I did it know how exactly they charging me. I filled a despite with chase but they never grant me the XXXX. XXXX is a lot of money in now days economy I believe my the decision you made regarding my claim is extremely unfair for the fallowing reasons, I never considered the facts around this situation, for example I was in a foreign country not able to understand the language The papers i signed was in a foreign language I was detained in a airport I offer the police so many times to return the products i bought and they refused to take it. 
It is unfair for me to be responsible for {$700.00} this amount to high comparing to the products I bought They threatened me to go to jail.
Product: Vehicle loan or lease

XXXX and XXXX XXXX attempted to get refund due to XXXX  protections, company claimed they are within legal rights to make the correction to 6 % which they did but then take the overpayment they were not entitled to and apply it to principle without my consent. I asked for company policy and they refused, I asked for legal team explanation and they refused, I asked for supervisor and they refused. 

XXXX  provides protections against overpayment on interest, they dropped by rate and instead of refunding the close to XXXX $ I am owed they instead chose to keep that and apply to principle.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I have had a lot of identity theft it shows on my credit report a card or loan from a company called kickoff. I do not know what that is. I've disputed this numerous times with the credit beaurau but they keep coming back with debt remains the company tells credit beaurau information is correct and I have no idea who these people are.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXXXX/XX/XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, AND 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 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 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: Mortgage

I applied and was approved for a HELOC with Upstart in XX/XX/2024. As soon as I was approved and signed my contract, Upstart sold my HELOC to XXXX XXXX. XXXX has a horrible customer service record and currently is not honoring the contract I initially signed with Upstart. XXXX is making it difficult to access advances from my HELOC. XXXX made me wait 60 days before I could get an advance, which is not in the contract ; they also said I could only obtain advances by using checks, which they did not even order in time by the end of the 60 days. I was told I had to wait an additional 30 days to receive checks, again not in the contract. Upstart knowingly sold my loan to a company that has a terrible track record, fully aware that others have had this same issue. At no time did Upstart make it clear that my loan would be sold, especially immediately after it was approved and signed by me. I believe Upstart is complicit with XXXX  in their questionable business practices, or they need to ensure XXXX honors the contract I signed with them that Upstart then sold. I had a previous loan with Upstart and paid it off early with no issues, which is why I chose to apply for a HELOC through them. But this practice of luring applicants in and then switching the loan to a company with as many complaints as XXXX is beyond questionable. I want Upstart to hold XXXX accountable for the loan it sold, and furthermore, they need to be upfront with customers before they apply that it could be sold to a company like XXXX.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXX XXXX XXXX XXXXXXXX in regards tot he late payment on my account, and I have not heard from them I have registered on XXXX. We have a court date on XX/XX/XXXX and till today I have not heard from them, the only reason why my account was late is because I was under medically induced comma, as soon as I was able I made the payment, and I have never had any late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My accurate address is : XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX
Product: Student loan

the XXXX XXXX XXXX relied on deceptive advertising to attract students, falsely claiming to work with employers such as XXXX, XXXX, XXXX, and XXXX to create job opportunities for XXXX XXXX XXXX students and tailoring its curriculum for the job needs of such companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I send certified mail to BOA with notarized a affidavit about the violation 15 USC 1681n ( B ), exhibit A and the invoice for the violation. tracking number XXXX. Please see attached documents for more information
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a past due of {$730.00} on the XXXX  XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) It was stated to me that the XXXX procedure I had agreed too would not exceed {$900.00}. I paid the balance in full, and therefore there is no outstanding balance due and nothing to report as past due. This incorrect reporting of a past due on my credit report is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Please ensure that the unauthorized accounts on my credit report are blocked and removed promptly. I did not open or authorize these accounts and do not recognize them. As stated in XXXX XXXX, I am officially requesting their removal within XXXX  days. Relevant documents are provided for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXXUnauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXXXXXX XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXXUnauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft