23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this message finds you well. I am writing to inform you that on XX/XX/2023, I disputed an item on my credit report regarding a debt that was reported by Ability Recovery. I patiently waited for a response from your office regarding this matter. 

In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Ability Recovery. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. 

Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

No nation was taken by XXXX  XXXX because According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

US Bank shows two credit card accounts in my name. I explained to US Bank that these cards, the bank account and the supporting bank accounts were all opened online with only copies of my personal info and social security card necessary. I filed a valid police report, FTC report and submitted the info. US Bank said, since my name was on the account and payments were made from a fraudulent bank account, these credit accounts must be mine. I sent their fraud unit the reports of fraudulent use of my personal info. in police and ftc reports again. Still, nothing changed.
Product: Payday loan, title loan, personal loan, or advance loan

I needed to get a quick loan to handle unexpected bills. I went to maxlendXXXXXXXX  and was approved for a loan of {$1100.00}. I was told over the phone prior to accepting the loan that I would be charged for one payment of {$600.00} and two other payments of {$680.00} to payback the loan, bringing the total payback of said loan to {$1900.00} to pay it back. Already feeling that was way to much, I still accepted. Upon receipt of loan I was given paperwork outlining the terms. Since this was all done over the phone I was of the mindset ( my failure ) that the terms on the document was simply a recap as to what was discussed over the phone. 

I kept tabs on it for the first 3 months and paid no mind to it. It was only after making a subsequent payment I realized something was amiss. I then checked the documents that were sent and the document outlined that I was being charged a finance charge of {$4900.00} along with the amount financed of {$11000.00}. I was NEVER TOLD over the phone the finance change of {$4900.00} which along side the actual loan brought the total payback to {$6000.00}. It was incredibly misleading and when I contacted maxlend.com they told me they told me over the phone that I would need to make XXXX payments versus XXXX. From which I asked the service rep " who in the right mind would accept those terms? '' This organization needs to be flagged for the shaddy dealings and downright fraud. 

I had contacted the company maxlend.XXXX to stop payment which they stated they did but I would be contacted by a supervisor the following day and that I am still on the hook to pay the {$11000.00} which was incredibly confusing since its apparent what the service rep was looking at wasn't the same terms that were sent to me or they simply didn't care, in any event had I not seen another payment made outside of the XXXX payments told to me I would've been completely unaware of the situation. I have attached the document that was sent to me, which in itself is incredibly shady.
Product: Debt collection

I am re-submitting a complaint against a debt that I do not owe. Hunter Warfield ( Collection Agency ) and XXXX XXXX XXXX XXXX XXXX   ( Apartment Home ) will not and still have not provided the documents required to me by law. They state that they have pictures of the damage done to the wall of which they will not send and a move out inspection form that was signed by the leasing manager that states I did not owe any balance on move out. The refusal to send the documents shows that the apartment home and collection agency are keeping the information from me. I have attempted to resolve the issue with both parties and they both have given me false statements saying they will send the information I have requested. In my last complaint they responded with a copy of my lease and the bill ( balance of the account ). That information is not sufficient in proving that debt is mine being that a document was signed stating that I had a {$0.00} balance and the pictures they have will clearly show that the wall just needed to be painted. I was also to on the phone " As a one time courtesy the documents will be sent to you ''. First I have a legal right to any documents especially if it is associated with a debt that is owed. Second, painting an apartment is basic " wear and tear '' in an apartment. The bill states sheet-rock repair. If the pictures even actually exist you will see that there are no repairs needing to be made. Third, If they had this information why didn't they include it in the first complaint? At this point in time because Hunter Warfield or their client can not proved the documentation to prove that the charges and the damage are real I have reason to believe this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with Comenity Bank. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX  XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the XXXX charges. He fraudulantly kept the house ( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges. According to the magistrate. 
I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But Comenity insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. Comenity lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added. 
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing? 

From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : Comenity/XXXX Comenity/XXXX ( XXXX )  Comenity/XXXX  Comenity/XXXX  ( XXXX ) Comenity/XXXX Comenity/Wayfair Comenity/Victoria Comenity/XXXX  ( ( XXXX  ) Comenity/XXXX  ( XXXX  )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I applied for XXXX XXXX XXXX XXXX and was immediately denied due to information on my credit report. According to the Department of Education I have XXXX accounts Charged Off and others XXXX or More Days Delinquent. 
I immediately requested an appeal an pulled my Equifax credit report. 
I do not have any account in arrears for greater than XXXX days but I do have charge backs which by law, 15 U.S. Code 1679c - Disclosures, should have been removed from my account as they are over XXXX years old. XXXX of the accounts is XXXX years old. I submitted a complaint with Equifax and have not heard back. I need assistance with this urgent, time sensitive issue. I need to file my appeal as soon as possible. Loans need to be in place by XX/XX/XXXX as the new school semester starts in XXXX and the university must get paid for my XXXX daughters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate and unverified information on my credit report, which has been reported by your agency. Specifically, I have been informed that my address has been reported inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, MA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX my current address being XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 

As a consumer, I have the right to accurate and complete information on my credit report. The inaccurate reporting of my address is a violation of Section 607 of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report only accurate information. Your agency has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning me, violating this section of the law. 

Furthermore, Section 609 of the FCRA requires that consumer reporting agencies maintain strict procedures to ensure that only authorized parties can access my credit report. Your agency may have violated this section by disclosing my credit report to unauthorized parties, as I have never authorized any access to my credit report for any reason. 

In addition, Section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ) requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that your agency has reported my address information inaccurately may be a violation of this section as well. 

Finally, Section 216 of FACTA requires creditors and debt collectors to properly dispose of sensitive consumer information. If the creditors who provided your agency with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section. 

This inaccurate and unverified information on my credit report has had a significant negative impact on my life. It has caused me to be denied credit, which has prevented me from purchasing a home, a car, and other necessary items. It has also resulted in me paying higher interest rates on loans and credit cards. 

Therefore, I am requesting that your agency investigate the inaccurate and unverified information on my credit report and take the necessary steps to remove it immediately. I also request that you take steps to prevent this from happening in the future. 

Thank you for your attention to this matter. 

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

On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX / XXXX XXXX which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EXPERIAN verify this?????? EXPERIAN has failed to do a proper investigation. I demand that EXPERIAN provide the method of verification under section 611 of the FCRA or delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS UNATHORIZED PUBLIC RECORD IS VIOLATING MY FEDERAL CONSUMER RIGHTS. ITS DISTURBING TO SEE THAT THE CREDIT REPORTING AGENCIES ARE REPORTING SUCH INFORMATION WHICH IS CAUSING ME TO NOT MOVE FORWARD WITH PURCHASING A HOME. THIS IS A DEFORMATION TOWARDS MY CHARACTER AND CREDIT WORTHINESS. I TAKE PRIDE IN MY PUBLIC INFORMATION PLEASE ADVISE AND REMOVE IMMEDIATELY.
Product: Credit card or prepaid card

Netspend will not return the remaining balance of {$300.00} on the account that I closed. When I closed the account they said that the remaining balance would be returned via a mailed check. The check wasn't sent. I contacted them, and then they issued a check for the portion of the balance that was loaded to the card with cash but not for the {$2300.00} I had loaded via ACH transfers. When I contacted them again they said they could not return the funds without a letter of indemnity from the originating bank. I contacted the bank that the funds were originally sent from to request the letter. The bank then sent a confirmation letter for the transaction to Netspend. Netspend then returned {$2000.00} via ACH, but withheld the remaining {$300.00} and requested another letter. I then had my bank send the same type of letter on XX/XX/18 for the {$300.00} transaction, but did not hear back from Netspend. When I contacted Netspend again they said they required 20 business days to review the letter and that they would contact me once it was reviewed. I did not hear from them again, so called them again after a month, and they said the letter had been declined. I was forwarded to the fraud department. The representative said he would contact my bank and call me back within 3 business days. I did not receive a call. I called Netspend again and they advised me to wait a few more business days. Again, I did not receive a call. I called back again and was told to send another letter. I have called Netspend at least 20 times, with some calls lasting over 90 minutes and have been left without a way to recover my funds.
Product: Checking or savings account

Chime bank has let XXXXXXXX XXXX take money out of my account Checking account XX/XX/XXXX XXXX XXXX XXXX and Credit account XX/XX/XXXX XXXX XXXX XXXX a total of {$3200.00}. 

I disputed these charges XX/XX/XXXX so chime close my account XX/XX/XXXX .I have direct deposit from Social Security Chime tell me I have to wait 30 days to mail me a check I can't wait 30 days .rent, phone and lights are due If I would of lost a debit card chime would sent another 2 to 3 business days.Chime has treated me like I'm the criminal instead of the victim
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted application through XXXX XXXX and was advised that inquiry would be soft inquiry that would not affect my credit score ; however upon review of my XXXX credit report it appears as hard inquiry which resulted in drop of credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to resolve this with XXXX and the credit bureaus but they still keep reporting it as a foreclosure when it is a good standing account. It is incorrectly reporting as a M-8 meaning mortgage foreclosure or repo. This is incorrect and the coding should be a M1, paid as agreed. Because of this, it is causing us financial distress and preventing us from purchasing a home. There was a loan modification but we have been on time since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, AND XXXX 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 XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists 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 are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX " XXXX '', XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 US 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.