23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against Alliance One for violating the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), and I mailed certified letter requesting validation of debt owed on XXXX/XXXX/2015 to Alliance One Receivable Management Inc. I was unaware of the debt owed or which organization I owe the debt too until I checked my credit report. I informed Alliance One in writing that I was NOT requesting for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. 
I asked Alliance One in writing to please provide a letter with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered AgentAlliance One Receivable Management Inc failed to validate the debt owed as I requested in writing, and this company responded with AllianceOne Receivable Management Inc generated bill statement of how much I owed. Under the Fair Credit Reporting Act, I have the right to ask for validation of debt. On XXXX/XXXX/15, my husband received XXXX County District Court XXXX XXXX XXXX court order garnishment letter against me filed by Alliance One Receivable Management Inc. Alliance One Receivable Management Inc. violated Fair Credit Reporting Act. I did not sign the certified letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Those information in my credit report are not mine since 2007
Product: Credit reporting or other personal consumer reports

I signed up for school at XXXX XXXX  and decided I no longer wanted to go there. I never enrolled in any classes. yes I applied for fasfa but I never applied for a student loan. I called them and they said I was enrolled in classes thats why they gave me a loan. in order for me to have a loan. I had to personally sign off on it which I did not. They also still keep enrolling me in classes and refuse to remove my loan. This is fraud and i am now reporting it if this is not removed from my credit in a timely matter. They are not authorized BY LAW to open any accounts on behalf in any way. I did not give my consent or signature. I did not receive any money from this loan. next steps will be to take this court.
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the presence of fraudulent and inaccurate information on my consumer report have gone unaddressed, leading to profound personal consequences. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, and their continued presence has generated significant stress and XXXX  while negatively impacting my financial wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX  XXXX card never been late also on my car loan shows late never late experian refused too help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows two accounts that belonged to my parents, not me. The first is called " Chase Card ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX XXXX ( Closed ), '' which was opened XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing as a concerned consumer to address the accuracy and fairness of the information listed in my credit report. As you know, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) was established to ensure accuracy, fairness, and privacy within consumer reporting agencies. The FCRA provides me with specific rights to ensure my credit report is both correct and that I am treated fairly during the reporting process. 

According to the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Informed of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my interactions with your agency to guarantee that my credit report is accurate, complete, and reflective of my actual credit history. Any discrepancies or inaccuracies should be corrected immediately to prevent harm to my creditworthiness. 

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

XXXX XXXXXXXX XXXX XXXX was last reported in XX/XX/2022 and was fully paid off in XX/XX/2022. Showing I still have a balance on the account and that Im using a percentage of that credit which is affecting the accurate score of my report.
Product: Student loan

I typed in my XXXX XXXX account information for a payment of {$200.00} on XX/XX/19. I logged in and saw a payment reversal. The lady told me I had the wrong bank information in. This has happened several times. I just made a payment for {$12.00} with them with my XXXX XXXX account so there is no excuse for this. Now I have to wait for the payment to go through and the interest could possibly hurt my credit for XX/XX/XXXX. I was banking on having all the interest paid and all the interest caught up. Now this is very unlikely to happen due to the lack of Navient not changing the payment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I have been using XXXX XXXX for years, and as soon as i switched to chime i start getting overcharged for my payments. 
I was overcharged for over 6 payments with XXXX XXXX  totaling {$470.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I received a phone call that I was unable to answer on my cell phone no voicemail was left. Then I received a phone call on my work line and a message was left regarding a " personal business matter '' and left a reference number XXXX. I called XXXX XXXX back at XXXX ext XXXX. I called her and let her know on the recorded line that I was not giving her permission to contact me at work as I do not conduct personal business while at work which is why I could n't answer my personal phone when she tried to call. I also asked her to provide proof of the debt as I do n't believe I owe anything and if there is something it has to be over 6 years which in my state would be a time barred debt. I ca n't have this company calling me at work and I did n't feel comfortable providing my personal information ( address and social security number - even the last XXXX ) if I do not owe a debt. These people should not be able to contact people 's place of employment either. She told me a letter had already been sent and she would let her " client '' know that I said to mail me something. If she is attempting to collect the debt would n't the Client be Nations Recovery?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$18000.00}.
Product: Vehicle loan or lease

XX/XX/XXXX I started the purchase of a vehicle from XXXX XXXX XXXX in XXXX AK. I was on a small island in XXXX AK so everything was done online without me even seeing the vehicle in person. I sent them the paperwork and filled out the check. They were supposed to send me a check to pay for shipping and ship the car with all of the necessary paperwork plus a check to pay for shipping. I paid for everything and then they shipped the car. When I got the vehicle, there was no paperwork, no check, nothing else correct. I advised them that I did not want the vehicle and to send the check back. I could not leave with the vehicle because it wasn't registered to me. They changed the name of the dealership, it was just shady. I still don't have paperwork for the vehicle to this day. They sent the check back to Navy federal and I was issued a new blank check. They put a stop payment on the old check because I was told they would not send a new check until the old one was received. I told the dealership where the vehicle was located and left XXXX. I continuously emailed them with no response. I had the new blank check in my hand so I wasn't worried. Almost XXXX XXXX later, I get finance paperwork from Navy federal. The check expired XX/XX/year> and I was confused because I had the blank check in my hand and I personally made sure it was stopped payment.. I went to Navy federal to see why I was being charged for a loan that I didn't sign for and that I had the check for. I gave them the blank check and filed an appeal. They denied it. I asked for copies of the blank check, dates the stop payment was made and they denied my requests. I asked them HOW they paid out a check when I didn't sign a promissary note, no response. They paid out the original stopped payment check without my knowledge or permission and are holding me responsible. Someone at navy federal paid this out in error and they are messing up my credit and holding me responsible. They refused to provide any documentation except a copy of the original check that was cancelled. They lied and said I filled out a form for a lost check, they lied and said the check was paid in XXXX. I told them to go repossess it and they said that It could take weeks or months and Im responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX and XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I am writing to formally dispute the reporting of the charge-off status for the above-mentioned account on my credit report. I believe that the charge-off status as reported is inaccurate and not in compliance with applicable consumer protection laws. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), it is required that accurate and up-to-date information is reported on consumers ' credit reports. I understand the importance of maintaining accurate information, and I wish to ensure that my credit report reflects a true and accurate representation of my financial history. Furthermore, I would like to bring to your attention the Internal Revenue Service 's guidelines regarding charge-offs of debt. The IRS defines a charge-off as the creditor 's determination that the debt is uncollectible and is treating the debt as a loss or expense. This determination does not relieve me of my obligation to address the debt, but it does impact how the debt should be reported
Product: Credit reporting, credit repair services, or other personal consumer reports

It is our contention the big 3 credit reporting agencies XXXX, XXXX and TRANSUNION are knowingly or unknowingly complicit in credit defamation against me by publishing inaccurate / invalid information on my credit report. XXXX especially has been instrumental by consistently publishing inaccurate / invalid information on my credit report provided by XXXX XXXX XXXX XXXX ( XXXX ) since we closed both accounts XX/XX/XXXX. Moreover we included XXXX accounts in bankruptcy, of which XXXX did not file a claim. As such we contend that since XX/XX/XXXX each credit reporting agency XXXX, XXXX XXXX TRANSU have defamed our name reporting invalid /inaccurate data for which they can not prove in a court of law as factual or true. These agencies " merely " " verify '' accounts through the furnisher. Under the law, XXXX, XXXX and TRANSU are required to " validate '' the accounts furnished by XXXX or delete them from my credit report. 

I have reached out to each credit reporter over the last several months, XXXX claims the accounts are true, which we find hard to fathom as fact, given the fact that the furnisher XXXX has yet to provide us true/ accurate / court admissible evidence per the FDCPA some 6 months after our written request made to XXXX XX/XX/XXXX. ( attached ) As such we contend these credit reporters are in violation of the FCRA.
Product: Money transfer, virtual currency, or money service

I was involved in a romance scam with a woman who scammed me into paying to recover her gold and diamond inheritance which we would have shipped to the US from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX was XX/XX/2016. lvnv illegally re-aged this outdated debt damaging my credit and refuse to remove it. The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX  XXXX was XX/XX/2016 lvnv ILLEGALLY RE-AGED this account and refuse to remove it
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I signed up for a ( 2 ) Square POS account and payroll services, for my local XXXX XXXX XXXX XXXX XXXX After a week of collecting funds and tips for my XXXX, I submitted a request to transfer the funds in the amount of {$880.00} into my checking account. I received a notification that I would receive funds within 2 days. On the 4th day I reached out to square because I still had not received the funds. After being on hold for 45 minutes waiting to speak with a live person. A Square Rep was unable to tell me where the funds were or why they were not in my account. On day 5 I was told that the funds were taken to settle a past debt. This made no sense because I was a new customer to the system and had no previous account with them. After sending in documents verifying my business and all requested information. I was told that the error had been corrected and I would receive my funds next day. Same day I received a call from my credit union stating that there were ( 2 ) fraudulent withdrawals attempts made from my checking account and that my bank had been blocking them. I was completely unaware of this because it was the same amount that was due to be deposited into my checking account from the earnings and my employee 's collected tips of my XXXX XXXX. Not Only had this company held on to my funds, but they were attempting to remove additional funds from my checking account. I have been unable to process my company 's payroll or issue funds that have been tipped out to my employees because they are not releasing my funds. I have provided them with their request. I have been getting 2 different stories from Square1. the issue has been resolved and my balance will be deposited next day. 2. Its under investigation with a special department, a department that doesn't have it own line. I have emails of the account is in good standing, then emails stating that its being reviewed both within the same day. All while attempts to withdrawal funds unknown and fraudulently from my credit union take place.
Product: Debt collection

I did not have a XXXX XXXX XXXX. I have no clue why this is being reported on my credit report. I was researching mortgage rates and applied for a mortgage and a few days later this account was added to my credit reports.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has closed my account it be charge off but they are still reporting a negative mark for the past 60 days or so..
Product: Mortgage

I have a submitted an application to Citi bank to refinance my mortgage, the application was approved and all required document was completed and submitted. I Initiated the application back in XX/XX/XXXX, an appraisal was completed on XX/XX/XXXX. I was given a closing date of XX/XX/XXXX and I had the rate locked. Since then and the bank keeps on pushing the closing date and until this moment they haven't closed the loan. They have changed the closing date 4 times, and every time they push it a month. last date was XX/XX/XXXX and it has been changed again to XX/XX/XXXX. I have contacted the bank many times and complained but every time I get the same answer that they have too many applications and it will take time. I was promised my loan should be completed within 3 to 6 month and now we almost at the 6 month and nothing has happened. I had an offer from a different lender and Citi Bank matched that offer, now I'm stuck with them since the rates are higher and I can't go with anyone else. The refinance loan is for XXXX with XXXX cash out. The APR is XXXX % for 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card from XXXX. I was declined for the following reasons : Report reflects a bankruptcy or charge off. 
One or more cards are over limit. 
One or more recent credit inquirys. 

All of this information is incorrect, however, Experian makes it impossible for consumers to regularly monitor their credit. The other major credit bureaus allow consumers to view their credit profiles through XXXX XXXX. Wht isnt Experian on XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 USC 1681. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX  Inquiry has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent
Product: Bank account or service

I had filed a fraud claim with Wells Fargo back in XXXX. I had a charge on my account that I was n't aware of from a merchant. On XXXX the XXXX, XXXX the amount was put BACK into my account from the merchant. A week later on the XXXX of XXXX of XXXX Wells Fargo credits back the charge again to my account. So basically the amount was put in twice into my account but I did n't catch this and was n't made aware at all. Apparently Wells Fargo did n't catch that the merchant had refunded me already. Today, XXXX XXXX, XXXX, XXXX of those charges were reversed. I did n't receive a letter in the mail or a message on the wells fargo website or an email stating that my account was credited twice. The customer service also blamed it on me, saying that it was up to me to catch the double deposit that was made and that I had to call and tell them. I was n't made aware of this double credit and the amount was n't a lot to where it was completely obvious for me to catch. BUT the bank was supposed to catch that the merchant had refunded me already. It makes no sense for them to credit me the same amount the following week. So now I have money out of my checking account about three months later because they were at fault for crediting me extra back in XXXX without apparently knowing the merchant had already done so. I 've been a customer for years and spent 4 hours on the phone being thrown around from the exec office to the claims department. I want that money back in my account because this should 've been taken care of in XXXX of XXXX not nearly the XX/XX/XXXX.