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

XX/XX/XXXX : Experian finds that the Bankruptcy on my XXXX Report has been verified by the Courts of XXXX as they are the data furnishers. 

XX/XX/XXXX : Bankruptcy courts state the following : The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus. 

XX/XX/XXXX : XXXX finds ; Re-investigation results : In response to XXXX XXXX complaint filed with your office, XXXX removed bankruptcy record case number XXXX from his XXXX file. A resolution letter along with an updated consumer report has also been mailed to XXXX XXXX for his review on XX/XX/XXXX For this dispute, XXXX contacted the following source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - ( XXXX ) XXXX XX/XX/XXXX : Experian states the following : Public Records Information If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visit XXXX XXXX XXXXXXXX.
Product: Credit card

I chose to close a secured credit card account with Capital One in XXXX. I was informed at the time that it would take 2 billing cycles before I would receive my deposit as they would need to apply any subsequent charges to the deposit balance. As of XXXX there was a balance remaining of {$150.00} and this has not changed as of today ( XXXX ). 
I attempted to contact Capital One to inquire about the status of my deposit and was transferred to two different departments before being given the same information ( about the 2 billing cycles ) and that there was no further information they could provide at thisi time. This is unacceptable and I am being given the runaround in hopes that I give up and leave my remaining balance with Capital One to do as they please.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Second Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report associated with the following account : Account Details : Account Name : TD AUTO FIN Account Number : XXXX High Balance : {$24000.00} Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ) Date Reported : XX/XX/XXXX ( TransUnion ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Current Last Payment : XX/XX/XXXX Discrepancy Details : The late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect. According to my records and verified payment history, I made all payments on time during this period. These inaccuracies negatively impact my credit report and do not reflect my financial responsibility. 
Evidence Provided : To support this dispute, I have attached the following documentation : Screenshots of payment records from my online account showing that payments were made on time for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Copies of my previous dispute correspondence, demonstrating that this issue has been raised before but has yet to be resolved.

Other relevant documents, such as account statements and communication with the creditor, confirming the accounts good standing during the disputed months.

Legal Reference : As per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate information. Additionally, section 15 USC 1666 ( b ) outlines the requirement for accurate and timely reporting of payments.

Request for Investigation and Update : I kindly request that you : Investigate this account and update the payment history to reflect " Paid As Agreed Never Late '' for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Provide a detailed description of the investigation process, including procedures and evidence used to verify the accuracy of the reported late payments.

Timeline for Response : In accordance with the FCRA, I expect a written response to this dispute within 30 days. If verifiable proof of late payments can not be provided, I request that the inaccuracies be corrected immediately. 
Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution. Please contact me directly if additional documentation is required. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company has my cell phone number, email, and physical address but they keep calling my work line every single day after i've asked them not to call my job
Product: Debt collection

The Dept Collector has been asked to Validate the information they continue to wrongfully provide to the Bureaus through XXXX on XX/XX/year> and the Result of the Debt Collector IC SYSTEM and Dept Collector XXXX XXXX XXXX is wrongfully updated and labeled Completed Investigation, meet Fair Crredit Reporting Act the result is an update account who has been verified before and now has been asked to VALIDATE and provide all information and documents they have with all the information I requested in the XXXX Dispute establishing a Formal Statement of Creditor/Debt Collector Declaration and I declared for FCRA 15 U.S.C ss 1681i to delete all information not provided by mail to me to the address I provided. I bound them to disclose all info regardless if they are a third party stating Federal Trade Commission as my defense that violates commission paroted information parroted given to you by other sources and shifted to me which is a violation of Statute 1681 ( a ) ( 4 ) to make original collector have liability and the Dept Collector have to provide and respond to me regardless of them being faithful and can continue to ignore and damage my credibility since they do not respond to me and they are only required to respond to the Original Collector. I raised statute of Limitation as my defense and I have the right to demand ALL INFORMATION OF ALLEGED ACCOUNT. PROMPTLY DELETED IF INFORMATION IS NOT VALID OR IF IS NOT PROVIDED. WHITIN 30 DAY DISPUTE PERIOD. I did establish in a Formal Statement in my dispute that I required an assigned XXXX member to show all dates and what document the Dept Collector Provided. I demanded to be sent copied to the same address I provided in my Report to be sent back to me for me to review and validate before they would determine the result of my VALIDATION. They only provided a vage with missing items carelessly displaying how easy they verify nothing and still harm me. I received a report from XXXX only on XX/XX/year> Formally Disputed on XX/XX/year>. Currently the only thing XXXX did accomplish was providing me the result prior to the XX/XX/year> deadline ON TIME but failed to Validate or truly investigate the accounts under dispute. They never even allowed me to verify such information myself before updating my report. I am being harmed wrongfully and I need XXXX XXXX Credit Bureau to please help me remove all negative accounts that do NOT belong to me and have been sold or withholding the information and without validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Bureaus were notified of the Bankruptcy being reported on my credit report. I sent a procedural letter to each, on XX/XX/2020 to ask of how they were acquiring the Bankruptcy information. According to law, all information obtained is to be reported directly to the Bureaus by direct lenders or parties involved, but the Courts do not. Neither could advise me of who or what source reported my Bankruptcy, XXXX XXXX to them directly. On my credit report, it states no known reporting agency and the Federal Courts do no report information directly to the Bureaus. This direct intention to degrade my credit status has led me to inhabitable living arrangements, limited transportation and minimum income to live. The reporting was never verified and there was never a response from Experian, XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I noticed there were multiple unauthorized, inquires, addresses, and accounts listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries, addresses, or accounts. I submitted a letter, affidavit of truth, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with XXXX XXXX and my goal is to maintain the relationship weve built over the past month of XXXX and XXXX year of XXXX. I recently pulled my XXXX, XXXX, XXXX credit report and discovered I have a late payment that was reported in XX/XX/XXXX for my XXXX XXXX  Credit Card XXXX During that time period, I had a medical emergency due to XXXX. I mailed XXXX XXXX several letters informing them of my financial hardship at the start of the Coronavirus pandemic. Unfortunately, the XXXX pandemic has brought unforeseen circumstances into my life. As a direct consequence of the pandemic, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my XXXX XXXX account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The XXXX pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the XXXX pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the Coronavirus pandemic and to provide relief to individuals affected by the Coronavirus pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to Coronavirus hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act. 

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : XXXX XXXX Late Payment Date : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 months that are reported late 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 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: Debt collection

This university has been reporting that I owe them {$160.00} since XXXX of 2014. I never received written notification about this debt, I have only been contacted by phone. I have tried to dispute this item several times and ECSI/ XXXX University has only sent me a bill statement. They have failed to validate this information and provide me with copies of any documentation associated with this account bearing my signature. They have also failed to provide the name, address and the telephone number of each person contacted regarding this alleged account during their investigation. I have repeatedly asked for evidence to support their reportings on my credit but they have failed to provide me with any copy of any viable evidence supporting their claim. After being sent a statement and them updating my credit report as verified and meets FCRA requirements, I requested their method of verification and they have yet to comply which is an additional violation of the fair credit reporting act 611 ( a ) ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed two negative accounts reporting on my credit portfolio. 
XXXX - XXXX XXXX - XXXX I've contacted both Experian and XXXX. XXXX never responds. Experian responds and says information has been updated. Still, I see no change on my report. Both accounts have inaccuracies reporting. The dates the accounts were opened are both inaccurate. The dates of last activity and last payments are both incorrect. XXXX is being very sloppy and unprofessional by not responding to any of my requests. The creditor is reporting different dates to all 3 credit bureaus. The creditor also keeps updating the account to prolong it being on my credit report. I have emailed and sent certified mail copies of proof that the information being reported is incorrect.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a debt of {$3100.00} from XXXX XXXXXXXX XXXX  ( handed over to Jefferson Capital System ) that was opened fraudulently XXXX XX/XX/2021 while I was XXXX in XXXX and I have been harassed about this ever since. I have submitted 3 disputes to XXXX and XXXX. This company continues to call and harass me as well as mail me statements claiming they will reduce it if I pay a certain amount. On XXXX XXXX, it shows on XXXX and XXXX but when I log into XXXX site it does not show at all. I am not liable for a loan I never requested.
Product: Credit reporting or other personal consumer reports

SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Pre- Arbitration Demand Notice XXXX Act. # XXXX Dear SANTANDER CONSUMER USA, I am writing to you as a consumer who has been wronged by the actions of SANTANDER CONSUMER USA and XXXX XXXX XXXX XXXX XXXX I firmly believe that SANTANDER CONSUMER USA and XXXX XXXX XXXX XXXX have committed a material breach of contract, violated the Fair Debt Collection Practices Act ( FDCPA ), and engaged in other wrongful conduct, resulting in significant harm and damages to me. 

This is a huge violation! How did you verify this Account? This is not even me. My Privacy of information has been breached! 

It is my allegation that SANTANDER CONSUMER USA and XXXX XXXX XXXX XXXX have breached their contractual obligations by engaging in unlawful debt collection practices, which have caused me to suffer both financial harm and emotional distress. Furthermore, they have neglected to investigate my dispute under the Fair Credit Reporting Act ( FCRA ). 
I am also aware that the underlying contract contains a binding arbitration agreement mandating that disputes be resolved through arbitration rather than litigation. I am fully committed to enforcing this agreement and pursuing arbitration in accordance with the terms of the contract and applicable law. 
Based on the aforementioned circumstances, I am demanding the sum of {$5000.00} in compensation for the harm and damages endured as a result of SANTANDER CONSUMER USA and XXXX XXXX XXXX XXXX wrongful conduct. 

I implore you to take swift action to address this matter, as I firmly believe that prompt resolution is in the best interest of all parties involved. I reserve all rights and remedies available under the law and the terms of the contract. I am filing a complaint against you with the CFPB and the XXXX XXXX XXXX. 

Thank you for your attention to this matter, and I anticipate your prompt response. Please be advised that if resolution is not reached within XXXX  days from the date of this letter, I will proceed with filing a case with XXXX arbitration. 
Sincerely, XXXX XXXX
Product: Debt collection

Toyota Financial Services continues to LIE and MISLEAD consumers. I have called on numerous occasions only to be given the runaround and refused to provide documentation regarding the account. They will not respond to written letters, with delivery confirmation and lie about not receiving documentation. The account remains a poor remark on my credit report despite numerous attempts to pay or arrange a payment plan to settle the account. Toyota Financial Services, representative XXXX, agent ID XXXX, is just the latest example of the company 's history of misleading, lying, and abusing consumers. Transcripts associated with any account attached to the consumer 's name and credit should be available and accessible for review and legal representation.
Product: Checking or savings account

XXXX XXXX 2023 there was XXXX fraudulent ATM withdrawals without my knowledge or permission. 
I disputed these transactions consisting of {$400.00}, XXXX, XXXX and XXXX totaling {$1400.00}. I informed USAA. An investigation was open and the {$1400.00} was immediately credited to my account. 
XX/XX/XXXX I called USAA back because I discovered there was more unauthorized withdrawals before XX/XX/XXXX. On XX/XX/XXXX. I didnt catch these because there were automatic payments and other XXXX funds transfers I made in between. On XXXX XXXX, 2023 I did not authorize or withdraw {$400.00}, {$300.00}, {$300.00}, {$500.00}, {$300.00}, {$400.00} totaling {$2700.00}. On XX/XX/XXXX USAA credited my account the XXXX. 
On XXXX XXXX 2023, USAA retracted the credits and withdrew the amounts from my account again. Thus, leaving my account in the negative unable to make payments and bills. 
As seen in the attachments below. I called USAA back XXXX XXXX, 2023, saying I am not responsible for these transactions. They would reopen and reinvestigate for me. XX/XX/XXXX they informed me the decision will remain. I am having to put both mortgages on hold and both car payments. I am still awaiting the decision the amount for XXXX, but I fear it will be the same result. I have other bills and payments I have put on hold. I am XXXX XXXX military and my check deposited today is almost gone. And if USAA rules the same on the first dispute. I will be in the negative again. If I miss payment and it gets back to my leadership it can affect my rank or result in disciplinary actions. I have been stressing on late payments or reports to the credit bureau. I shouldnt be responsible for fraudulent activity in my account that I didnt make. USAA makes it as if I am asking for somethings thats not mine, or not giving details on what evidence it was me. These withdrawals are totally out of normal for my account. 
Please assist me.
Product: Debt collection

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$79.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion and blocking of the following accounts on my credit report, which I believe have been compromised due to a recent data breach. This action is requested pursuant to the provisions outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which afford victims of identity theft the right to have fraudulent accounts blocked from their credit report. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$8100.00} Additionally, I request that the following inquiry be removed from my credit file : XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being reported on my credit and are incorrect and not accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$75.00}