23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to XXXX in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with experian, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to XXXX chat feature where the XXXX rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that XXXX could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current. He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. BecAuse although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month if there is one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with Experian again and was denied. 

Again, I just want the correct month that was past due to be showing. Thank you!
Product: Debt collection

FCSI continues to attempt to collect a final bill from me on behalf of XXXX XXXX XXXX, despite the fact that -- as the attached documentation shows -- the amount XXXX XXXX XXXX owes me ( {$180.00} ) exceeds the amount of my final bill ( {$150.00}, according to XXXX XXXX XXXX ; {$160.00}, according to FCSI ), as a result of developments stemming from the month-long DSL outage that caused me to eventually terminate my XXXX XXXX XXXX Services this past XXXX. Note that in addition to the damage sustained when my XXXX Service went down on XX/XX/XXXX by the modem I had purchased for {$91.00} from XXXX on XX/XX/XXXX, I was forced to pay Clear {$54.00} on XX/XX/XXXX and another {$43.00} on XX/XX/XXXX to replace my DSL Service while it was down, whereas XXXX XXXX XXXX refused to compensate me for either the loss of my modem or the expenses I incurred as a result of the month-long DSL outage.
Product: Credit card or prepaid card

I check my credit report with XXXX 7 days a week and I noticed it dont have a payment history and it reported a XXXX balance and no credit history at all ... and Im asking citi bank to update my credit report and my balance history and payment history please its been over 30 days and it still havent updated at all .... Ive been a citi customer since XX/XX/XXXX and Im asking them to updated it from XX/XX/XXXX until XX/XX/XXXX and second I have a pending transaction for XXXX XXXX  in the amount of {$220.00} on XX/XX/XXXX this hold havent released its been over a week and the merchant already released it on there end and citi said I have to wait 30 days and its not cool and Im going through some hard times
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the validity of a debt collection account that appears on my credit report. I recently obtained a copy of my credit report and discovered an account listed by your agency under the name RESURGENT/LVNV FUNDING with the account number XXXX. I believe there may be inaccuracies or discrepancies associated with this account. 

I would like to request detailed information regarding this debt collection account, including the following : Verification of the debt : Please provide documented evidence that verifies the debt in question, such as the original creditor, the amount owed, and the nature of the debt. 

Proof of ownership : Please provide documentation that confirms your agency 's legal ownership or authorization to collect on this debt. 

Validation of the debt : Please provide information on the date of the last activity or payment made on the account, as well as any relevant supporting documentation that substantiates the validity and accuracy of the debt. 

I understand that, as a consumer, I have the right to dispute and seek validation of any debt that appears on my credit report. I am exercising this right in order to ensure the accuracy and legitimacy of the information being reported. 

I kindly request that you cease all collection activities related to this account until its validity has been verified. Please also remove any negative reporting associated with this account from my credit report during the investigation process. 

I appreciate your attention to this matter and look forward to receiving the requested information within the timeframe specified by the Fair Debt Collection Practices Act ( FDCPA ). Please communicate with me in writing to confirm receipt of this dispute and to provide updates on the investigation. 

Thank you for your prompt attention to this dispute. I trust that you will handle this matter with the necessary diligence and in accordance with the applicable laws and regulations. 

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

As reporting on my credit reports showing both dates on XX/XX/2021 from two companies : XXXX XXXX XXXX XXXX XXXX are both unauthorized & did not receive consent from me. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been more than 30 days & I am a victim of identity theft. Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal deletion of the consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent XXXXXXXX XXXX XXXX an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. XXXX  is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 4TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Mortgage

My original mortgage loan servicer was XXXX XXXX. I went to them because I was having difficulties with my business during Covid, and they put me on a mortgage forbearance/deferral. At the end of the term of the forbearance. They sold the mortgage to round point mortgage company. Now round point to saying I have a balloon payment at the end when there is never a mention of any balloon payment, it was always told to me from XXXX that they would add the amount of time that I did not pay the loan to extend past the end of the loan. Im also having issues that I want to pay off this balloon payment before the end of the loan and they wont even allow me. They are saying verbally I cant send payments to pay the balloon off. I need help this is not fair. Ill be in my XXXX expected to come up with {$20000.00} or saddle my children down with this balloon payment that I never ever agreed to and they have no paperwork with regards to it either because I keep asking both companies about this.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

XX/XX/XXXX I was notified by mail that XXXX mortgage had sold my home loan to freedom mortgage. Since this had already happened once before since I bought the house back in XXXX, I didnt think much about it. A few weeks later I got a welcome package from Freedom mortgage. All documents will be provided. I was confused with the Paid In Full and security deed documents? The document stated my house interest rate would remain at XXXX, as you will see by the documents. Then XX/XX/XXXX I wanted to take advantage of getting home equity loan, I knew I had enough. The appraisal came in at XXXX, remaining mortgage was XXXX. I was told because of some late payments ( not missed payments ), I could only get the refinance at XXXX interest rate in addition to the other fees I was charged. I recently found a document Discount point disclosure form showing my starting rate of XXXX. Was this an error? See documentation.
Product: Checking or savings account

I scheduled an ACH transfer on Ally bank side, to pull fund from my XXXX XXXX account on XX/XX/2022. The amount is XXXX, is the saving for my home down payment. Fund was pulled from the XXXX XXXX account on XX/XX/2022 and never arrives my Ally account! And now this transaction record was removed from my Ally online account. I lost access to this large amount of saving, never expected I can lost my money on an ACH transfer. 

Ally customer service keep telling me to dispute this transaction from XXXX XXXX account. But this fund was scheduled by myself and fully pulled away by Ally bank, there is no way the other bank could dispute it. Ally is the side pulled the fund and should return the fund to me.
Product: Mortgage

in XX/XX/XXXX i open a home equity loan with XXXX XXXX. in XX/XX/XXXX Wellsfargo brought XXXX XXXX. My loan number was converted from XXXX XXXX account to a Wellsfargo account. i continued paying on my loan ( never missing a payment ). in XX/XX/XXXX i received a letter from Wellsfargo that the XXXX account was Charged OFF, Closed and that they will not attempted to collect money due. STOP making payment on this account. i then called several times to make sure the letter was true and accurate. Wellsfaro agreed that the letter was true. i also advised them that i was making payments on this account under another account number. they researched the information and called me back. ( the account is closed, charged off and there was nothing that can be done ) After stopping payments i received phone call from XXXX XXXX ( Wellsfargo supervisor ). XXXX XXXX and his supervisor went into my credit report and changed the report from account closed and charged off to account transferred over. i continue to call. in XX/XX/XXXX the U.S .Government gave Wellsfargo bank tax credit and funds for all XXXX XXXX bad dept. accounts My accountwas one of those account. After several months i reached back out to the department that handles the account being charged off. they replied that they could not speak to me  and my account has been changed. in XX/XX/XXXX wellsfargo began foreclosure procedures on my property. 
How can a Bank change account numbers on an account, write the account off, charge it off and close it. replace it with a new account number and forclose under the new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I filed a complaint with CFPB against XXXX  Consumer Reporting Agency and Transworld System , Inc. for reporting fraudulent and incorrect information after multiple dispute whereby XXXX  did not correct and Transworld was aware that they did not own the account for which they were reporting.

The response from both Transworld and XXXX was that the information was removed and that it would not be any further efforts or reporting. About a month ago, I noticed that my credit score had dropped drastically with XXXX  when no new negative activity had transpired. I reviewed my report tonight and noticed that Transworld still shows on the XXXX Report. When you show the three bureau report, you can see that TSI does not exist on XXXX or XXXX but it is showing on XXXX with balances. In addition, XXXX is still showing a {$3700.00} balance with XXXX XXXX. I filed a complaint with CFPB regarding the wrong balance that XXXX  is reporting for XXXX XXXX as well. I have been denied credit and my score is very low because XXXX  will not correct the program and Transworld is still reporting the account that was to be DELETED PER THE RESPONSES OF BOTH XXXX AND TRANSWORLD SYSTEM, INC.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, Equifax and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please Block the items listed below that are unknown to me : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX  XXXX XXXX Balance {$710.00} XXXX XXXX XXXX  XXXX Balance {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance {$5800.00} XXXX XXXX XXXX XXXX Balance {$95.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$310.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX Balance {$130.00} XXXX BANK XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX
Product: Checking or savings account

I brought products from a vendor and originally wanted to pick the items up. The vendor was unclear about the pickup location so I asked the vendor to ship the items instead and I would pay the additional fees occurred. The vendor never responded to any of my requests nor followed through on the recommendation to bring the products to my home. I contacted the bank several times to explain the issue as this is fraud and a scam because I will never have a tracking number to prove I didnt receive the items. I have sent in tons of information and now, I am asking for a provisional credit until the merchant cooperates. The merchant has no other communication with the dispute team other than email and after a week of emailing, no response or update has been given.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted XXXX XXXX on XXXX XXXX XXXX  to pay a previously negotiated settlement amount of {$100.00} to settle a {$530.00} charged off credit card debt. XXXX XXXX took my payment and provided a confirmation number then told me they would update the status of the account. Today XX/XX/ I was alerted that a collection was added to my credit report by a third party collection agency United Collection Bureau. When I contacted the collection agency I was informed that they owned the debt and provided a fax number to submit proof if the debt was settled with XXXX XXXX. When I spoke with XXXX XXXX I was told that although my settlement payment was taken the debt was sold to a third party and there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, after trying to get this issue resolved with you fr over 3 years you have damaged my credit, i advised Experian that there was inaccurate information on this chapter XXXX causing the judge to dismissed. Experian relied on 3rd party information fromLEXISNEXIS. After years of disputing XXXX has agreed to remove form my credit bureaus. please see attached and removed from my credit file ASAP. i plan to seek legal advise for Experian damaging my credit for 3 years. PLEASE SEE ATTACHED REINVESTIGATION FROM XXXX
Product: Credit reporting or other personal consumer reports

I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with XXXX XXXX XXXX. I am not liable for this debt with COMENITY CAPITAL B ANK/ULTA. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$650.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XX/XX/2022 XXXX