23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX 's date XX/XX/2022, I received a letter from the company Concord servicing corporation about an alleged/disputed loan with the company XXXX  ( Loan # XXXX ). I wrote back to this company about the legal dispute regarding this loan. For, this loan was fraudulently established under my name by the companies XXXX XXXX XXXX, XXXX and XXXX  XXXX You can refer to the current investigation conducted by the state of California Department of consumer affairs XXXX XXXX ), as well as the police report from the XXXX XXXX sheriff department XXXX XXXX XXXX ), and the complaint with CFPB against XXXX ( XXXX ). This company is attempting to collect a debt that simply does not exist, because i have never taken a loan with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to you that I want you to help me eliminate the inaccurate items on my credit file. The particular item 's position that are recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest request on my credit report, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. The following items should be removed quickly : XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TN XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; EQUIFAX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} XXXX Late XXXX  Days XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Charged off XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Charged off XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX i informed Equifax that an Account they are reporting by Credit Factor Account Info Overview Reference Number XXXX Date Filed Reported on XXXX XXXX, XXXX i informed Equifax that this account was past the XXXX of limitations they responded on XXXX XXXX this was their response " Wa have reviewed* the Lien Information. Case ID - XXXX & XXXX the results are : We have verifed that this public record item is reporting correcty " on my letter i to Equifax i did not dispute that this account is mine but that under federal Law this account is way past the statue of limitations and should no longer be showing in my credit report. 
Equifax has FAILD misserably to protect My personal Information and millions of other Consumers personal Information Now they are showing Disregard to follow the law and not responding to my request to remove this item from my credit report as it isrequire by law Accordingly
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, Transunion for their refusal to update my personal information on my credit report. On XXXX XXXX, XXXX, I submitted a personal information update letter to XXXX, XXXX, Transunion, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from XXXX, XXXX, Transunion stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, XXXX, Transunion. 
I believe that XXXX, XXXX, Transunion 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, XXXX, Transunion 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, TransUnion has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 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

I used an Equifax report on their website to see my credit score in XX/XX/2019. 

Apparently, they continued charging my credit card on a monthly basis which I discovered in XX/XX/2019. 

Unlike many other providers of subscription services ( e.g. : Utilities, wireless operators, banks, etc ), Equifax deceptively does not provide any monthly billing statements or any other communications showing a customer that they are being recurrently charged, which is clearly aimed at misleading and deceiving customers so Equifax continues billing them for services they do not use or need for as long as possible, and then stonewalls when consumers ask for a refund. This is a bizarre practice for a leading CRA that clearly requires a regulatory action against the company, and might prompt a class action lawsuit. 

I called the company to cancel the service in XX/XX/2019 and explained that I did not use it since XXXX ( which they can easily verify because they log the transactions ). However, they refused to refund XXXX-XXXX charges. 

They transferred my call about 4-5 times for about an hour to random individuals for no apparent reason. When I called again and asked to speak with the supervisor, they hung up on me. When I called again, they connected me to somebody who introduced himself as XXXX, a supervisor, who claimed that they do not have a refund policy ( which is hard to believe for the company of their size ), acted highly unprofessionally, and subsequently refused to connect me to his manager, claiming that the manager was not in the office ( hard to believe that nobody is managing their call center, particularly given that I called during regular business hours in XXXX where they are headquartered ).
Product: Debt collection

I received a letter from Convergent Outsourcing Inc. regarding a 'debt ' they state I owed from XXXX XXXX XXXX of which they recently acquired. The creditor listed on their letter is XXXX XXXX, XXXX. This is a debt I have been habitually harassed regarding every 1-2 years, creditors sell from one group to the next and each time they contact me and all my family members for a debt I do not owe. Previously I contacted CFPB ( Claim # XXXX ) regarding this debt issue and both credit agencies were contacted and both parties said they are not at fault/can not assist and eventually the latest company quit calling once they realized they can not pursue this so called debt. Once again I am being harassed for this claim and when the creditors exchanges debts I will receive more calls and letters. As this 'debt ' originated from XXXX XXXX XXXX XXXX have asked they be involved and resolve the matter as this is a mess of their creation. 

The letter provides an Convergent account # XXXX. Please assist as this is pass the statue of limitations ( XXXX year old so called debt ) and is not my debt. 

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

I have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXXXXXX XXXXXXXX XXXX XXXX XXXX  card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXXXXXX XXXX XXXX stating my account has been paid on time and in good standing.
Product: Debt collection

I received an alert on my credit monitoring service XX/XX/2021 that I have a derogatory information on my account. Upon viewing it, I noticed that National Recovery entered a derogatory amount of {$660.00} on my file without contacting me of the debt in question or to point this company in the right direction, which is a violation of my right.
Product: Mortgage

Statement of Denial letter dated XX/XX/2022 list Principal Reason For Denial as " XXXX does not XXXX credit on the terms requested ''. 

When I call and ask what terms did I request that XXXX does not XXXX, I am told there were no requested terms outside of the bounds of what XXXX  does. 

I am told by XXXX, that I was refused the loan because of a Mortgage Foreclosure with XXXX, which has nothing to do with the requested terms. 

When I asked XXXX to plainly state that I was refused due to the Mortgage Foreclosure, XXXX  refused to do so. 

The Mortgage Foreclosure first missed payment is XXXX or XXXX XXXX XXXX & does not appear on my credit report. Our credit scores are XXXX XXXX to low XXXX. 

I feel that the denial letter should plainly state the reason for denial, instead of being false.
Product: Mortgage

I purchased my home in XX/XX/XXXX. It had a first and second mortgage. When I filed bankruptcy I think in XXXX, I included the second mortgage. The second was around {$30000.00}. The first was {$100000.00} initially. Here it is XXXX  years later and I'm being told I owe {$120000.00}, when the original was only {$100000.00}.
Product: Checking or savings account

Hello, My complaint is with Capital One Bank. I am a sole proprietor of an online retail store that started in XX/XX/XXXX. I applied for the SBA PPP loan in XX/XX/XXXX to help continue business operations. I was approved and had my funds deposited into my person checking account because I do not have a business checking account. The funds were deposited on XX/XX/XXXX to my XXXX Capital One Checking Account. As I began to use the funds to make payments my account was placed on hold. I was not able to withdraw money or use my debit card. The bank stated they have to verify that my business was legitimate. Though this was already verified through the SBA, I complied and sent over my XXXX Tax Return, which included my Schedule-C for my business, my loan agreement, my EIN letter, and link to my website. Each time I call they state they are still investigating but I believe this is untrue. There is nothing further to investigate if the question is of legitimacy of my business. I have provided more than enough evidence to validate its existence and operations. 

It is unfair because I am in need of accessing my funds to continue running my business and have a legal right to the funds as well as a financial obligation to pay it back. I also have funds still being deposited aside from the loan that they are also holding from my usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, XXXX and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them XXXX more chance to correct their errors and FIX my record. Please Fix the account XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have XXXX days to FIX the account listed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was involved in ID THEFT I HAVE NO KNOWLEDGE OF THESE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX auto financing loan did dont appear in XXXX, Equifax , or XXXX credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate XXXX for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

NFORMATION & FAQS CREDIT REPORT Credit reports are key to helping you confidently protect and manage your identity. You can rest assured- reviewing your report does not negatively impact your standing or score. 
Financial institutions, employers and insurers use credit reports to gain insight into your financial profile. Because they provide a record of your present and past credit use, credit reports may determine whether or not you will be offered credit, and on what terms. Inaccurate or fraudulent account information on credit reports can result in denial of credit, higher loan and insurance rates and even rejection for employment. The Federal Trade Commission ( FTC ) has prepared A Summary of Your Rights Under the Fair Credit Reporting Act, you may also find additional information on their website www.FTC.gov/credit. 

Understanding your credit score and the factors that impact it will prepare you to make the best possible decisions for your financial future. Want help reading your report? We've prepared a quick educational guide for you : How to Read, Use and Act on Your Credit Report. If you find inaccurate information on your report, you may contact one of our Credit Specialists to help dispute this information directly with the credit reporting agencies.

spliter UPGRADE YOUR PLAN XXXX  PURCHASE REPORT XXXX  Report History : XX/XX/XXXX - XXXX Print this page Download this report Three Bureau Credit Report Reference # XXXX Report Date : XX/XX/XXXX Quick Links : Credit Score / Summary / Account History / Inquiries / Creditor Contacts Personal Information Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details. 
XXXX XXXX Equifax Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - Former : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX IA XXXX XX/XX/XXXX - Employers 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 have duplicate inquiries on my report and it doesn't seem as if they perform a proper investigation to fix the problem. It is with XXXX XXXX and the dates are XX/XX/2017 and XX/XX/2017..This has impacted my report negatively and has repeatedly caused me to be turned down for lines of credit.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX  XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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. 

This company 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

While I am in XXXX, I have tried to make purchases with my capital one venture one credit card online, but have been unable to because I don't have access to my US cellphone number, and capital one requires a text based one time password to authenticate me for online purchases, I called multiple times asking them to turn it off or verify a different way, but they wont. An advertised as " travel '' credit card that is impossible to use for online purchases while traveling is not cool.
Product: Bank account or service

I contacted Capital One Bank 's customer care handling credit card payments on Wed., XXXX XXXX, 2016 at XXXX XXXX. as soon as I arrived home from work. Payment due then and I wanted to submit my first payment. Bank had closed and I went online chat to make payment. The customer service person stayed away from the phone so long that I sent chat asking if she were assisting another customer. Once she returned she said another department would assist me. It was XXXX XXXX. then XXXX where I reside ( XXXX, Texas ). A guy came on line and when I told him that I wanted to make my payment, he also took awhile to return to chat at XXXX XXXX saying what I already knew -- my payment due today. He continued saying that since it was after XXXX XXXX my payment is officially recorded as being late! I informed him that it was slightly passed XXXX XXXX my time, but he did not care. I told him that I would take this matter before CFPB. This morning, XXXX XXXX, I visited Capital One Bank to speak to the manager at XXXX but he had not arrived and they were short on staff. I had to get to my job and waited as long as I could but it was just taking too long.
Product: Debt collection

I had identities fraud and froze my credit report and still received threatening calls.