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

My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. 
Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. 
In reviewing the dates reported 30 days late XX/XX/XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XX/XX/XXXX and XX/XX/XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed.

I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency.

After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX   XXXX XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX  False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance
Product: Credit card or prepaid card

On XX/XX/XXXX I opened mail received from Netspend Corporation ( All-Access by XXXX ) that I never heard of or had prior business with. Inside was an actual Debit card from their corp. and it included deposit/debit/credit policies asking me to activate their CARD. There is NO live body to speak to in order to obtain information, cancel all contact, and/or ensure they will not attempt to contact me again. Nobody answers phone no. provided. The ph. no. is only a recorded message asking a person to input CARD NUMBER! I will NOT! I don't know who these people are! Total SCAM Possible! duh!!! This Organization, Corporation, whatever they actually are should not be allowed to do this. If they wish to " market, advertise, solicit '' people they should do so with complete and honest TRANSPARENCY. I called the number provided and could not leave a message. The PHONE RECORDING only asked CALLER to provided the CARD NUMBER if they wish to Opt Out?!!! No way! Then they have my card, name, addr, phone, etc. and I do NOT know WHO They Are! The mailer correspondence provided a email address but again in order to cancel they ( whoever THEY are?? ) want the card number that also includes MY NAME!!! Absolutely NOT! This should be an illegal act if it isn't already. This is NOT Safe! I do not want this or any relationship with this company and now you couldn't pay me to associate with them. I'm passing this info around social media so I  do hope someone at YOUR Firm takes corrective action immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted
Product: Credit card or prepaid card

In Regards to XX/XX/2021 Response to Complaint # XXXX XXXX XXXX from Executive Office of Customer Advocacy is a fabricator. Recognize that he dodged the parts I mentioned about how all phone calls are monitored and recorded. He did not address that and would not provide the CFPB or me with all the phone calls that took place starting the Tuesday before XXXX up until a month ago. That is because it would work against everything XXXX XXXX stated. Not sure where he's getting the initial amounts of {$1600.00} and {$2300.00}. There were two ACH payment requests put into the system on XX/XX/XXXX and XXXX -- one for {$680.00} and the other for {$610.00}. The agent on the XXXX requested the second amount in addition to the first because the agent from the XXXX requested the wrong amount. And instead of having two ACH payment requests, she cancelled out the first and just put in one request for {$1300.00}. The two amounts of over {$300.00} that I later received in the form of checks had nothing to do with that amount. They were for other credits that had been applied to my account after the fact. His response to your agency will be used in my supporting documentation in my lawsuit against them. The judge will order them to present all the phone calls, which will prove and confirm XXXX XXXX is a liar ... 

Again -- No need for Company to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.XXXX XXXX, XXXX XXXX., XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX XXXX
Product: Credit card

To whom this may concern this is a third and final attempt to get a cure. I sent your company CAPITAL ONE a letter XX/XX/XXXX, XXXX and XX/XX/XXXX that you are violating my consumer rights, breaking the FDCPA and the FDCRA. I have complied with all the information you requested. 
As defined by the IRS. 
The IRS clearly defines a charge off as gross ordinary income. INCOME DOESN'T GET REPORTED ON YOUR CONSUMER REPORT which in fact makes your reporting of this account inaccurate. 
By definition the IRS clearly says a cancellation or charge off is income. The reporting of this account as debt is inaccurate. 
15 usc 1681 s-2 says your company is a furnisher of information to a consumer reporting agency. 
You are prohibited by law to furnish inaccurate information, I demand you to cease and desist reporting of incorrect/ and inaccurate information immediately to all three credit reporting agencies XXXX XXXX and XXXX XXXX 
15 usc 1681 s-2 ( a ) ( XXXX ) ( a ) You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. 
. 
The above paragraph is taken directly from the IRS publication, filing a XXXX turn a debt into gross ordinary income as stated by IRS 15 usc 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors Even if you did not receive a form XXXX, you must report canceled debt as gross ordinary income on your tax return
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2019, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, TX added a derogatory mark on my credit profile per XXXX XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The  XXXX   XXXX  Domestic Relations Section in  XXXX  Pennsylvania has been reporting alimony pende nte lite (  hereafter APL ) to all   XXXX   credit reporting agencies as " Child Support '' and placed for collection and  XXXX   XXXX  Domestic Relations as a creditor. In the  XXXX  an d Trans Union  they have it listed as a " Individual Loan '' and still listed as a Child Support loan. Not only is this a violation of the FCRA for reporting it as Child Support When in fact i am not and have not been late on Child Support payments. In fact I am over paid and have a balance they state issues me a credit every month for over p  aying.
The Domestic Relations Department stated to me in several emails and verbally on the phone that They know its being reported incorrectly but they have no other way of handling this and do it for thousands of others.       Upon making many attempts to get it correctly through  XXXX   XXXX  in writing and directly through the  Credit Reporting A gencies, I was always told it wont change.     I filed a law suit after 9 months of failed attempts and losing several credit cards and a home loan due to the misrepresenting on my credit report. The same day as filing the law suit,  XXXX   XXXX   Sent an email accepting fault and said they will fix the credit report for me. They have fixed it, but not prior to causing me enormous financial harm and damage to my reputation with creditors and with   those within our community and business relationships with my banks.     I am still proceeding through the courts with this suit, but I am writing you as I am concerned that this is happening to many others with in our community and possibly state.
Product: Credit card

Good morning. Im writing to you to ask for assistance in dealing with Nordstrom in relation to a security breach I experienced at the beginning of XXXX, but only learned about relatively recently. 

In XXXX of XXXX, I noticed in my online XXXX account, that someone from XXXX had made a bunch of fraudulent charges to my credit card in the month of XXXX. I quickly spoke to XXXX XXXX support, and they reversed the charges. After that, nothing happened, so I assumed that the security breach was over, and I was in the clear. Little did I know that this was just the beginning of a larger incident of identity theft. 

It was not until XXXX that I realized something more serious had occurred. The discovery was a mere accident. I had submitted a Rental Application with XXXX and received a copy of my credit report as part of this application. In this report, I noticed that an old Nordstrom account that I no longer used or had access to showed many charges at the beginning of the year, around the same time that I discovered my XXXX XXXX account had been breached. It also noted that the account status showed Rate/Status XXXX : Charge-off. The account was opened XX/XX/XXXX and the last activity was XX/XX/XXXX. I quickly made a myEquifax account, got my credit report from them, filed a dispute for the hacked Nordstrom account, and proceeded to call Nordstrom to find out what was going on. 

On XX/XX/XXXX, I spent half an hour on the phone with Nordstrom, trying to understand what had occurred. It was explained to me that they believed that I was the one who made the charges, and that the bills continued to be sent to my home through XXXX. This was simply wrong, and I explained that to the customer service representative. They told me that they would launch an investigation and get back to me shortly. Roughly XXXX weeks later, I received a letter in the mail from Nordstrom denying my fraud claim with all of the details mentioned. 

On XX/XX/XXXX, I spent XXXX minutes on the phone with Nordstrom yet again. I explained everything that occurred again and spoke to an agent named XXXX. After many attempts to explain what happened, she finally began to understand the situation. She agreed that something was off with my account, and that should be re-investigate and get back to me. I never heard back from her. 

On XX/XX/XXXX and XX/XX/XXXX, I tried again. I spoke to yet another agent, who informed me that XXXX marked my account as liable. I didnt understand how this could have happened, so I asked them to have XXXX contact me again. She never did. I tried multiple times to get through to someone that is actually able to understand what occurred, but have still been unable to. 

Since then, its been relatively quiet. My credit report still shows the Nordstrom charge-off, yet I have never been contacted about these alleged charges, neither by a law enforcement agency, nor a collections agency. I am asking for your help to clear my name, and compel Nordstrom to rescind any and all claims against me. All supporting documents are attached to this letter. Thank you and happy holidays.
Product: Credit card or prepaid card

I sent {$600.00} to Synchrony for a credit line of {$600.00}. For the 3 months Ive had the account, Ive made consistent and advance payments to keep a balance available for purchases. They are suddenly HOLDING a payment I made and declining new purchases even though a payment of almost {$400.00} has cleared my bank and they have the cash in their own bank account. They refuse to allow the payment to be applied to my account and have stolen it instead.
Product: Credit reporting or other personal consumer reports

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX {$9700.00} XXXX  XXXX - XXXX {$5900.00}
Product: Credit reporting

Released tax lien from XXXX XXXX Register of Deeds filed XX/XX/XXXX and released XX/XX/XXXX and XXXX XXXX Register of Deeds file XX/XX/XXXX and released XX/XX/XXXX. I relocated out of the XXXX on XX/XX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all 3 credit reporting agencies. I have disputed multiple times and each time XXXX, Experian, and XXXX states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my copy of my credit report, noticed I have fraudulent account on my credit report.
Product: Debt collection

During the month of XX/XX/2022 Acima violated many of my consumer rights. Acima called my cell phone mercilessly in an attempt to collect an alleged debt. I received an email on XX/XX/2022 that displayed threats and profonde language causing me XXXX and stress.
Product: Mortgage

In XXXX XXXX, we applied to Truist Bank for a conventional loan to buy a new condo unit. We had a locked-in rate and the loan had provisional approval and then a closing disclosure. Although we had sold our current condo and had cash in hand for a 50 % downpayment, Truist notified us THE DAY BEFORE SETTLEMENT of a delay in the loan. Truist then continued to issue a series of delaying closing statements. This put us in a very difficult situation with the sellers, and we had to reschedule the settlement and pay penalties. When it appeared that Truist delays and lack of transparency would cause us to also miss a second settlement date, we looked for an alternate lender. That lender gave us a loan within 10 business days, while Truist continued on for a total of 76 days until a final denial was received by snail mail. Unfortunately for us, interest rates had gone up in that time, so we were the losers. 

Our complaint to Truist resulted in only a small refund of the appraisal fee and " regret '' for our stress and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 1 ) XXXX XXXX ( bank ) 2 ) XXXX XXXX XXXX ( bank ) 3 ) Valley NTL BK XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). 

My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. 
XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account was placed on my credit report from XXXX XXXX and it says the original creditor was XXXX insurance. I have never had any products with XXXX nor have I ever seen or heard of this debt. My report states the collection was assigned to the agency on XX/XX/XXXX, yet it just popped up on my Equifax credit report on XX/XX/XXXX and Ive never received correspondence regarding the debt. I spoke with an agent from XXXX insurance on XX/XX/XXXX and gave her my social security number as well as many other personal identifiers to see if she was able to find any accounts, open or closed, under my name. Nothing was found as Ive never been a customer with them. I then spoke with the collection agency directly on XX/XX/XXXX and the representative on the phone wasnt able to pull up an account in their system with my name, address, or social. Both the collection agency and original creditor say they have no record of me in their systems, yet I have this collection shown on my report. I attempted to reach out to Equifax and they have not been helpful with this. Another thing to mention is under remarks this account states consumer disputes. Reinvestigation in progress. While I do dispute the validity of this account, I have never formally put in a dispute so I dont understand where any of the information theyre reporting is coming from.
Product: Mortgage

We are working with a Mortgage Broker, Horizon Lending Services LLC NMLs # XXXX, that has changed the terms of our loan the business day before we were to close. I will attach later the email chain in which we are told that we are locked as well as the GFE that shows an increase in the points they want us to pay. Because this is so last minute, we stand to lose a deposit of {$21000.00}. I asked several times for a GFE, and now realize the reason she sent the information in a different format was just so she could change it at the last minute and expect us to pay.