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

XXXX XXXX has been reporting late on my credit report with XXXX XXXX TRANSUNION. I have disputed this information with both the credit card XXXX and both credit bureaus. I have requested validity of invesitagion as information is not accurate and they continue to send me letters saying it has been investigated with no information as to how they came to that conclusion. UNDER section 15 USC 1681 ( A ) ( XXXX ) ( B ) ( XXXX ) I am requesting the validity and accuracy of this information in writting.
Product: Vehicle loan or lease

Credit acceptance is a predatory company and set you up to fail. They discriminate against you thinking you wont pay them or cant because of your credit score. Illegal APR rates and failed to update the account as it is in dispute. Attached is my certified dispute letter.
Product: Mortgage

Carrington Mortgage Service acquired my mortgage from Citimortgage about 8 months ago. Since that time they have created many different problems for me overall being unable or unwilling or both to process their own documents and to resolve the issues. The issues have included requiring me to refinance my mortgage because the overall portfolio they purchased had too much risk, being unwilling to set up the auto payments through my bank to ensure on time electronic payments despite me filling out the paperwork XXXX ( XXXX with a notary public ), charging me extra fees to make payments just to keep my account up to date due to their own inability to process their documents, offering online bill pay through their website which never actually is able to process a payment, forgetting to close out the previous loan account which they required me to refinance which led to massive confusion about wether I had a loan with them or not, and the list goes on and on. This company has been torturing many americans over the last few months as can be seen based on XXXX personal reviews written all over the web describing similar problems after each person had their mortgage acquired from larger banks.
Product: Debt collection

FRANKLIN SERVICE INC. 

This is for a previous phone bill. I asked them for several months to send me an invoice and was denied a copy of what I owe. They wanted me to make the payment over the phone with no way for me to verify who and what I was paying for. I also told them I was waiting for Pandemic Rent and Utility Relief and when I told them unless you send me an invoice or something in writing to stop contacting me. They claimed I was sent an email and that I opened the email so therefore I was aware and had documentation of what they were trying to collect. I had told them that I went through all my emails and I could not locate the email they claimed I had and opened. Again, they refused to resend me documentation and instead kept harassing me to pay. I then contacted XXXX XXXX XXXX and asked if I could pay the bill and for them to send me a copy of the Bill while waiting for them to send it to me Franklin Servicre Inc. notified the Credit Bureaus and had placed a Derogortory Remark against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

LJ ROSS AND ASSOCIATES are reporting a fraudulent account on my credit. This account was not opened nor used by me. I am requesting ther removal of this accounts from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both State Employees Credit Union and XXXX to correct the status and reporting history of a previous Visa account. SECU is reporting the account as charged off as of XX/XX/16, but is still showing that the money is owed and continuing to report the account as late. I have received documentation from SECU that the account was indeed charged off on XX/XX/16 and provided this to XXXX. XXXX is stating that when presenting this documentation to SECU, they are stating that they are allowed to report the status of this account is this manner. The account is causing me to not be able to secure a location for my family to live.
Product: Money transfer, virtual currency, or money service

XX/XX/2011 I had 2 cd accts I used to have a cashiers check made to XXXX XXXX and XXXX in the amount of XXXX XXXX. since then i was made aware that the funds were never signed or cashed, nor applied to my house. i have proved to 5th 3rd that I had those funds and the agent from the bank all but called me a liar. I told her what I had and it as recently they admitted i had put the overage of the cashiers check into my checking account. I have not been with that bank in years and also the branch I got the check from doesn't exist because of the new bank that was built. I received absolutely no help from the customer service people and the VP office I made complaints to. I filed a complaint with the consumer 's protection site and the bank responded to me and not to them. No one from the VP office except one lady has called and sent me some paperwork. All she sends is information on my checking account. The bank has no copy of the check, i got no receipt, no one has signed or cashed the check. My husband will attest to the existence of the check, if he had cashed it he would not come home. XXXX states they never received the check. There was an employee of XXXX that heard my husband state he took the check to the XXXX XXXX, so did husbands girlfriend. 
I am/was working with XXXX XXXX at 5th 3rd who was rude, and various people that managed to be promoted or whatever. I am XXXX years old partially XXXX but trying to work and that money is missing and is all i have to show for working all my life I now have proof, thru XXXX XXXX, a paper XXXX XXXX sent about the other XXXX XXXX put into my checking account and a notarized letter from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020. I was a victim of identity theft. Some could have been a friend, family member, or someone in general in fraudulently applied to Citi CBNA Card. I didn't not consent, authorized, benefit, apply to nor use Citi Bank programs or products. I have reached out to XXXX, XXXX, and XXXX  about the matter and they all responded that the reporting company has verified the information. I have filed an FTC identity theft report. I want this inquiry blocked and deleted. It's one of the inquiries that I have complained about that is stopping me from attaining XXXX XXXX  XXXX because of their XX/XX/XXXX rule. 

I have also filed a previous CFPB complaint about the reporting of the aforementioned companies reporting inaccurate unverified information lacking maximum accuracy. 
See FTC Identity Theft Report : # XXXX and CFPB # XXXX.
Product: Credit card or prepaid card

My credit card was used to make charges I did not make. My drivers license was photographed along with my credit card and false transactions were made on my card. I have tried to resolve these differences with Chase with no success.
Product: Credit card

XXXX approved a fraudulent charge to XXXX XXXX on XX/XX/year> for XXXX 2 laptops that totaled {$6200.00} XXXX. XXXX Bank of America ( B of A ) VISA was attached to my XXXX account, so this charge appeared on my XXXX  account the next day. XXXX sent this text on the evening of XX/XX/year> : " [ XXXX ] Did you pay {$6200.00} to XXXX XXXX on XXXX XXXX? Reply 1 if yes or 2 if no. [ Reply Needed ] '' I did not reply as I thought it was a scam ... XXXX should have never approved this transaction until I confirmed it. 
B of A initially credited the charge as they opened a fraud case but just deemed the charge legal and placed the {$6200.00} charge back onto my XXXX  balance. XXXX has also deemed the transaction legitimate. 
I tried but could not contact XXXX XXXX... I'm assuming XXXX and B of A could contact XXXX and investigate the purchase. Where were the laptops shipped to? 
What VPN address were the purchases made from? Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Mortgage

Starting XXXX XXXX : We " XXXX XXXX '' A XXXX XXXX XXXX under And on behaft of " XXXX XXXX a Dual Citizen of the United State of America : Are sending are Legal Complaints, And Disputing 'EACH of These " Case 's '' with the cfpb. Consumerfinance.gov. ( USA ) That every case be handled individually, and not be called or labled as the same, Each Complaint has diferent Attachments, and may call out another Case Number, it is not the Complints in wording : " Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ; Case number : XXXX ;
Product: Vehicle loan or lease

I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1602 ( i ). Take further notice that Pursuant to 15 U.S Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of ALL charges which was never disclosed to me by the organization in direct violation of this law. Pursuant to 15 U.S.Code 1615 i shall be reimbursed for all unearned interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I provided the bureaus ( XXXX, XXXX, & Equifax ) proof from the Oklahoma bankruptcy court that I havent filed bankruptcy and they dont validate that info to outside credit reporting agencies either. Instead of removing the mixed/merged information from my credit profile, they sent results saying the info was verified, but not validated, by a third party vendor.
Product: Checking or savings account

Wells Fargo was to send a settlement check. I reached out and tried to resolve. They state they owe the money but I am being redirected to other companies to address. They will not send a check. It is at least XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of student loans on my credit report. There are  9 student loan payment that is listed on my report that has late payments on each one for   9 Months the dates are from  XXXX   XXXX   XXXX   XXXX  and also  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Company : EXETER FINANCE Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Amount : {$6400.00} Account : XXXX XXXX Status : CHARGE OFF The company has violated the following : 15 USC 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


1. Lack of Proper Notification : As per the Uniform Commercial Code ( UCC ), Section 9-610, a creditor must provide a debtor with proper notice prior to repossessing a vehicle. I have not received any prior notice regarding the repossession, which raises doubts about the validity of this entry.

3. Violation of Reporting Guidelines : The repossession entry fails to comply with the reporting requirements outlined by the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. Please provide documentation that demonstrates adherence to these guidelines.

Reference Laws : - 18 U.S.C. 1028 ( a ) : Aggravated Identity Theft under the Fair and Accurate Credit Transactions Act ( FACTA ) - F.D.C.P.A. : Fair Debt Collection Practices Act - Privacy Act of 1974 - Fair Debt Collection Practices Act ( FDCPA ) They have violated the FDCPA 1006.3a and its new rule by parking this alleged debt on my consumer reports.

In light of the above reasons, I kindly request that they promptly investigate this matter and take all of the necessary steps to remove the repossession entry from my credit report. It is my expectation that you will resolve this dispute within the timeframe as stipulated by the FCRA, generally 15-30 days.
Product: Credit reporting or other personal consumer reports

I believe that the actions taken is constitute negligent noncompliance under 1681o of the Fair Credit Reporting Act ( FCRA ), which outlines the civil liability for negligent failure to comply with the FCRAs regulations. 

I believe the following actions or lack thereof have led to violations of this statute : XXXX. Failure to report accurate information Your company has reported incorrect or incomplete information regarding this debt to credit reporting agencies. 
XXXX. Failure to provide proper verification or validation of the debt As required under the FCRA, I requested proof of the debt and have not received satisfactory documentation within the required timeframe. 
XXXX. Failure to investigate properly upon my dispute When I initially disputed this account, there was no reasonable investigation conducted, and as a result, the inaccurate information continues to be reported. 

Under 1681o of the FCRA, I am entitled to request that any erroneous information be investigated and corrected. Failure to comply with the regulations laid out in this section, as well as any intentional or negligent misrepresentation of information, could lead to civil liability for damages. 

Therefore, I request the following actions : XXXX. Immediate investigation of the debt associated with this account. 
XXXX. Verification of the debt, including a complete breakdown of the charges and the original creditors documentation. 
XXXX. Removal of any incorrect or unverified information from all credit reporting agencies if the debt can not be verified as valid. 

I also request that all communication related to this matter be done in writing and sent to the address listed above. 

Failure to provide proper validation and to comply with 1681o could lead me to seek legal action for damages resulting from negligent noncompliance. I expect a response within XXXX  days as required by the FCRA. If this matter is not resolved satisfactorily, I will consider further legal remedies to protect my rights. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mail out dispute letters to all three credit bureaus and none of them corrected the information. 
XXXX ) XXXX XXXX  receives a XXXX dollar payments every month, this is what the company agreed too. And every month they report my account late/derogatory XXXX ) XXXX XXXX has this account listed as open but charged off with a balance of XXXX XXXX ) the addresses listed on my with the credit bureau should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All others I would like removed. 
XXXX XXXX XXXX is listed twice along with XXXX XXXX and XXXX XXXX. I disputed these as well and I was told that it was fribilous. 
An according to my rights with fcra I have the right to privacy and the right to have only verified and accurate information on my reports
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is regarding account ************* XXXX, which you claim I owe XXXX XXXX XXXX {$14000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspondent local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for debt a debt that I don't owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete this entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond may result in small claims and legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : * defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of phone fraud on XX/XX/2022. I received a voicemail from a person I was lead to believe was a Lt from the XXXX XXXX XXXX department stating that I missed a court date and I was called as an expert witness ( I'm a XXXX XXXX  ). They stated that there was a subpoena sent to my old address ( which they provided me ) and it was signed for. Since I missed this court date the judge issued 2 bench warrants ( and they provided me with the case numbers ). I was given the option to pay my " bail '' which was set to {$9000.00} and then head to the Sheriff department to verify the signature was not mine. If I did not pay the bill before I headed over, I was to be arrested for a 72 hour hold. Again, I'm an XXXX and work for a government agency and had patients to care for so I could not be arrested. I said I will try to pay. I was advised to send {$2000.00} now via XXXX to the FBI bond XXXX, I asked the name before I sent, and they said XXXX XXXX XXXX. I did as told and then spent the next XXXX hours with the man on the phone procuring more money. Once they asked me to turn it into XXXX, I knew it was a scam. They were very convincing. I called Ally bank right away to dispute this charge. They sent a letter to me stating that " the disputed transaction is considered authorized because : the disputed transaction was completed with a merchant with whom you have an established relationship. '' I have asked for further paperwork to understand their decision. I also filed a police report with XXXX XXXX police - report number : XXXX.
Product: Credit reporting or other personal consumer reports

I have been in contact with XXXX about this situation multiple times and nothing has been done. That is against the law as well. To tell a credit reporting agency that this item doesn't belong on your consumer report and it actually doesn't, but they company refuses to remove- is a crime. 
15 USC XXXX XXXX subsection 1681c states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The record for Credit Acceptance antedates 7 years as it became delinquent in XXXX of XXXX XXXXXXXX refuses to remove this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some hard inquiries on my credit report that I don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on 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 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 my account to be removed.

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

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


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 reporting, credit repair services, or other personal consumer reports

I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX XXXX XXXX XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and hospitalized with XXXX  XXXX severe complications including XXXX.