23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Your Name\ Your Address\ City, State, ZIP Code\ Date [ Credit Reporting Agency Name ] \ [ Agency Address ] \ [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information Under 15 U.S. Code 1681i ( 7 ) Dear XXXX I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ). I have identified the following inaccurate item ( s ) on my credit report : - ** [ Creditor Name or Account Name ] ** : LVNV FUNDING LLC Account number : XXXX AMOUNT \ {$810.00} This information is inaccurate or incomplete for the following reasons : [ The account was is not mines and was reported in a XXXX XXXX breach I have also filed a report with FTC as well as XXXX to get it removed from my credit report Enclosed with this letter are copies of supporting documents that substantiate my claim, including : XXXX. Dispute letter to XXXX XXXX. Data breach proof Under 15 U.S. Code 1681i ( 7 ), I respectfully request that you : XXXX. Investigate and verify the accuracy of the disputed information. 
XXXX. Provide me with a written summary of the investigation process and results. 
XXXX. Remove or correct the inaccurate information if it can not be verified. 

Please acknowledge receipt of this dispute letter in writing. I understand you are required to complete your investigation within 30 days of receipt of this dispute. 

Thank you for your prompt attention to this matter. If you require further information or documentation, you can contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : [ List of attached documents, e.g., " Copy of credit report highlighting disputed item '' ]
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 XXXX ( 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 XXXX ( 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 XXXX 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

When recently applying to refinance my car, a lender pulled a report from both XXXX  and LexisNexis. LexisNexis reported a judgement on my consumer file in error. Upon investigation, I discovered 2 separate factors warranting the immediate removal of this account from my report : ( 1 ) the account information belongs to a consumer with a different last name & different social security number than mine ; and ( 2 ) the judgement was for collection of a loan that originated on XX/XX/2010. This information was supplied to LexisNexis, and they refuse to remove this information from my credit report.
Product: Debt collection

This account was settled and should not be listed as I owe, This is a mistake, please remove Portfolio Recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently received a copy of my credit Report After Reviewing it I found that there is an Inaccurate Account that i Did not Authorize. This Account is Fraud and i want this fraud Account Removed from my Credit Thank you
Product: Debt collection

This collection agency violated my rights by reporting inaccurate information on my credit report also by not sending documentation to me of the debt therefore I had no acknowledgement of it. The law is Within five days of initially contacting you, the collector must send written notice of the debt and include : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I contacted my original creditor us auto sales before the closing to advised my phone was stolen & provided my updated address, phone number, & email which I never received any communication on from westlake or the transfer. XXXX XXXX XXXX XXXX ga XXXX, XXXX, email XXXX .Therefore is a breach in contract & violation to my rights. Westlake did not send me any communication or notification that my loan was sold or any attempts to collect, dispute or notification at all. My first letter from westlake was received today XX/XX/2023 after it was forwarded to my new address however westlake picked up the vehicle yesterday on XX/XX/2023
Product: Debt collection

On XX/XX/XXXX I received a phone call from my daughter saying that someone called her from Lakeside Recovery Solutions ( XXXX ) looking for me saying that the number they had on file was disconnected and were pressuring her for my number! When she said she wouldn't give it to them and that she would pass along a message, they got rude and said " well you'd better give her the message! ". She did and now I am filing this complaint. They did call my number before and my security app blocked them earlier that same day at XXXX ... .I do not know who these people are so I XX/XX/XXXXthem. Please help! Thank you!
Product: Credit card or prepaid card

USAA STILL HAS NOT CREDITED THIS BECAUSE ** ( THERE ARE NO TEMPORARY CREDITS TO BEGIN INVESTIGATION FOR XX/XX/XXXX TRANSACTIONS ) ( DUPLICATE ** UNAUTHORIZED TRANSACTIONS. ARE POSTED XX/XX/XXXX ) This investigation took a year to complete and NO REFUND OF FRAUD See attatched FRAUD CLAIM LETTER XX/XX/XXXX XXXX XX/XX/XXXX claim date {$470.00} UNAUTHORIZED ) & TEMPORARY CREDITS MADE PERMANET. see transactions XX/XX/XXXX - XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL {$470.00} ** THIS AFTER XXXX & XXXX REFUNDED BY MERCHANTS. XXXX XXXX {$120.00} XXXX {$210.00} see attatched XX/XX/XXXX statement transactions XX/XX/XXXX XXXX ** KINDLY NOTE ( F ) REFERNCE NUMBER in front of transactions ** MEANS USAA WAS WELL AWARE THESE ARE PREVIOUSLY REPORTED FRAUD. USAA KNOWING POSTED **'DUPLICATE UNAUTHORIZED TRANSACTIONSC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL {$470.00} USAA HAS HELD ME ACCOUNTABLE FOR {$470.00} & {$470.00} FOR 2 YEARS. THIS DESTROYED MY EXCELLECT GOOD CREDIT.
Product: Mortgage

This compan y ( Ditech ) to ok over my mortgage loan and t he 1st paym ent was due  XXXX / XXXX / XXXX . All monthly payments have been made when the statements were received. All was going w ell ( one statement per month )  until  XXXX   XXXX  when I began receiving more tha n one billing s tatement per month, sometimes as many a s three  per month, which were all paid when received. All billing statements came with identical paperwork, stating amount due, a return coupon stating " detach + return with payment '' and return envelope. I contacte d Ditech and they  advised they would fix the problem. I do not recall when I contacted them or to whom I spoke to, perhaps a year ago. I incorrectly assumed the issue was resolved. On  XXXX   XXXX ,  XXXX  I received a notice to send an additional amount to adjust an escrow deficiency or my payment would be increased. I did so, but I received another statem ent (   XXXX / XXXX / XXXX   ) no t reflecting this change. I contacted the company aga in (   XXXX / XXXX / XXXX   ) to m ention the multiple monthly statements and why the increase in payment amount. I also requested a written statement confirming the due date of my next payment. On  XXXX / XXXX / XXXX  I received another billing statement with only a slight increase in original payment, but not the " same '' amount as mentioned in the request to keep my original payment the same. Not once in the twenty-eight mortgage payments made, did I ever indicate I was sending additional funds to be applied to my mortgage loan principal or interest.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00} Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of my first letter was XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. I want the erroneous, inaccurate, and incomplete items on my report to be deleted immediately. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

This is my 2nd and final attempt to get this matter resolved. Any further attempts will include additional complaints to the BBB, FTC as well as my States Attorney General 's Office. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation immediately by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days 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. XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts XXXX XXXX # XXXX has violated my rights :15 U.S.C 1681 section 602 A states i have the right to privacy / 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I called Citizens to close the savings account. The rep " processed '' my request and sent the remaining balance ( {$0.00} ) to me via paper check which I deposited at my credit union on XX/XX/XXXX. Today ( XX/XX/XXXX ) Citizens sent me an email explaining they will charge me a {$9.00} " monthly maintenance fee '' on XX/XX/XXXX. Also today my login and password still work! I can currently login to this " closed '' Citizens savings account and see a balance of {$0.00}. My only relationship with Citizens is via this " closed '' savings account which they bought from XXXX in XXXX.
Product: Debt collection

I used Pay Tomorrow to finance a purchase of new wheels for my car on XX/XX/2024. Since then, I have been receiving excessive and repetitive phone calls from Pay Tomorrow, sometimes more than 4 to 5 times every single day. Even if I am just one day late on a payment, I am immediately bombarded with these calls. I have the app downloaded and use it to make my payments, yet the calls continue relentlessly. The frequency of these calls is disruptive, especially while I am at work, and I have requested multiple times for them to stop. 

I have never experienced this level of harassment with any other company I have leased with. As a result, I am requesting immediate action to stop the repeated phone calls and compensation for the inconvenience this has caused. I also ask for a written acknowledgment of this complaint and resolution within a reasonable timeframe.
Product: Debt collection

RMP Services LLC has been attempting to collect a medical debt since XX/XX/year>. I was not made aware of the debt until the collections agency contacted me. The collections agency does not own this debt but they reported it to the credit bureau. I have attempted to contact them to verify the debt and to dispute the amount but they have not been reachable. They have called me at least once a week since XXXX despite telling them to stop calling me while I work with the hospital to resolve the debt. I am filing a complaint to attempt to coerce the company to verify this debt and to honor my request to dispute the debt.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX -- WITHOUT MY KNOWLEDGE or consent XXXX XXXX XXXX, apparently opened a PayPal line of credit in the amount of {$11000.00}, in my name, on XX/XX/XXXX. I was NEVER TOLD ABOUT THIS account being opened in my name in XXXX. 

PAYPAL - My first KNOWLEDGE of this account was on XX/XX/XXXX when PayPal collections department contacted my wife, trying to collect a debt amount of {$6600.00}. Supposedly, on XX/XX/XXXX XXXX XXXX  XXXX charged / received money from PayPal for an upgrade on our timeshare in the amount of {$5600.00} DONE WITHOUT my KNOWLEDGE or CONSENT for this transaction. My wife was told that they had mailed payment notices to me, which I never received. She figured out that the address on the account is an invalid mailing address ( no postal service to said address ). I requested, in writing, 1 ) to have the address changed 2 ) to be provided with written proof that I had a PayPal Line of credit 3 ) How much had been charged to or payment made from the account, to whom & when. To date, I have had NO response from PayPal. 

SYNCHRONY BANK - On XX/XX/XXXX my wife was contacted by Synchrony Bank stating that PayPal has given them this account for collections. Synchrony Bank is calling both myself & my wife 7 days a week, multiple times a day, before XXXX XXXX  & as late as XXXX XXXX.
Product: Credit card or prepaid card

I just received a letter in the mail about a credit application in my name that was denied. I never applied for a credit card and would not every do business with Capital One. This is fraudulent.
Product: Debt collection

No contract with Portfolio Recovery Associates and I do not acknowledge neither have I consented to anything with them
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX CC CFPB CERTIFIED MAIL RETURN RECEIPT # XXXX XX/XX/2022 ACCOUNT NUMBER:XXXX BALANCE REPORTING INCORRECTLY PLEASE DELETE Dear CAPITAL ONE BANK USA : 2ND DIRECT REQUEST AND 3RD BUREAU REQUEST ***PLEASE NOTE THAT MY CORRECT ADDRESS IS LISTED AT THE HEAD OF FOOT OF THIS LETTER. *** This letter is to inform you that I am disputing your company 's references on my credit report because of lack of completeness, accuracy, and proof of verification. I recently disputed this account with the credit bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete through investigation leaving you and them both in non-compliance. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : PLEASE VALIDATE THIS ACCOUNT ENTIRELY FOR COMPLETENESS AND ACCURACY. I WOULD ALSO LIKE ALL INFORMATION YOU HAVE ON FILE FOR THIS ACCOUNT TO ENSURE THAT IT BELONGS TO ME. THINGS SUCH AS A CONTRACT, FULL ACCOUNTING HISTORY, SOMETHING THAT PROVES THIS ACCOUNT BELONGS TO ME AND I AGREED TO PAY THIS ACCOUNT. ALL DATES OF ACTIVITY, SUCH AS DATE OPENED, DATE CLOSED, DUE DATES, AND DATES PAYMENTS WHERE ACTUALLY RECEIVED. DOCUMENTS THAT SHOW WHAT WAS PURCHASED, THROUGH WHO AND WHEN. 

PLEASE PROVIDE ME WITH PROOF WHEN THIS ACCOUNT WAS OPENED, WHEN THE LAST PAYMENT WAS RECEIVED ON THIS ACCOUNT. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account, a description of the records reviewed, and a copy of all of the documentation, statements and information in your possession that you used to conduct your investigation so that I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. If this address is different from the one you have on file, please update your records to my one and only current address listed above. 

Thank you for your prompt attention to this matter. 

THIS IS MY SECOND REQUEST. IF THIS REQUEST GOES UNANSWERED I AM PREPARED TO SEND ALL CORRESPONDENCES TO THE FEDERAL TRADE COMMISSION AND SEEK LEGAL ASSISTANCE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX :
Product: Credit reporting or other personal consumer reports

Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and 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 Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called XXXX XXXX XXXX XXXX and they told me they will removed them again but nothing has happen yet. Please remove all four XXXX XXXX  XXXX XXXX collections from my credit report.