23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX,  XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit card

I ssued a Macy 's s tore card in return for one day discount    XXXX   XXXX   XXXX   . Paid statement    XXXX   XXXX   XXXX   . Received another bill ..   XXXX   XXXX   . Requested explanation. No acknowledgement or communication from Macy until    XXXX   XXXX    requesting {$150.00} payment. Requested identification of source of statement. Customer service responded by sending statement after statement for about six weeks with no source purchase mentioned. End of  XXXX  received packet of statements with a single entry for {$17.00} dated    XXXX   XXXX   n o year.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/year>. There is no payment history showing and it states XXXX  days late. 

This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account removed, your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

During Covid I contact the Company informed them we want working Doing that Time 4 late payments was still reported to all major credit Burea according to the Law 15usc 16815-2 ( a ) ( 1 ) ( cp ) all information During Covid Should be reported late on my credit report
Product: Checking or savings account

TD Bank keeps going into my XXXX  XXXX credit cards and withdraws {$25.00}. They are not authorized to do this. What gives them the right to go into my two credit cards and take {$25.00}. This is causing a problem for me and I want this solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the last two letters that I sent to this company to file a complaint about their non-compliance. I sent my request for a method of verification last XX/XX/2022 and FCRA mentions that I can request the method of verification used on the disputed items but this company doesn't seem to be taking me seriously, they're ignoring my letters. I want the CFPB to have records of this complaint because this will be my step in taking more serious actions against the negligence of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion Credit Reporting Agencies  are allowing two debt collectors to publish information on my credit report in violation of the Fair Debt Collection Practice Act. According to that " Act '' debt collectors are required to contact me first regarding a debt and allow me 30 days to submit a written request for validation of the debt. Both XXXX and TransUnion are publishing information on my credit report regarding a collection account owed to XXXX XXXX # XXXX in the amount of {$3100.00} ; however, I am not familiar with XXXX XXXX and I never received any notice of debt from the company before it was published on my credit report. I was denied my important rights under Federal and State law. I contacted both agencies to let them know that XXXX XXXX violated the law and denied me my rights under federal law but no action was taken. 

XXXX and TransUnion further violated my rights by placing a second collection account on my report that was placed by XXXX XXXX XXXX. This company did send me a notice of debt about 6 months ago and within 30 days I submitted a request for validation of debt, in which I informed the agency that I have never enjoyed a XXXX  account. XXXX did not contact me further, but recently in violation of Federal Law, XXXX placed a collection action on my account causing my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the other hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting

I was a few days late paying XXXX and explained to th customer service personal that I would pay a few days after the due date and the customer service person expressed that t was late and did n't care and was gone nag to report it any ways. Now my credit score is in the toilet because of one instance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Private court documents were unlawfully filed on XX/XX/2016
Product: Debt collection

I received a phone call this morning XXXX XXXX from XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with XXXX XXXX XXXX stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). 
I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account, and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated.

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score.

A written confirmation of the resolution, including the date when the correction was made.

An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner.

I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report.

If my concerns are not addressed within the exact time frame from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this account in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in XXXX letters to all three major credit bureaus about verification of debut on my credit report on XX/XX/2021. I also sent out a 30 days notice to these three bureaus without response and mailed out to you all the same information for proof. It is now XX/XX/2021 and still no response on the actual verification of debut for accounts on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. This for late Payments on XXXX XXXX XXXX XXXX, XXXX  has a false address on a account and claiming to be my debut, XXXX and also 3 false addresses and inquiries.
Product: Payday loan, title loan, personal loan, or advance loan

I registered my bank account online with Mariners Finance to make my payments. The numbers looked correct on my side and showed that my account was validated. I made my payment on time and then received a call that my payment did not go through. The branch manager said she couldnt confirm my account and need to speak to IT. She called back the following day to say my account number was wrong and I was going to now be charged {$15.00} and I couldnt make my payment online and needed to use my debit card and be charged for using that. 
This sort of additional charge has been occurring since the inception of this terribly high cost loan with a rate of 35 %. When I said this was not okay, I was continually told I didnt understand the process. The condescending manner to be spoken to is infuriating. And I assured the multiple people of spoke to that I am a licensed Mortgage Loan Officer and completely understand miscellaneous, frivolous charges and I told the last person I spoke to that I was filing a compliant. 
You cant restrict how a payment is made and charge them for making the payment that way when that manner is the only option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

XXXX XXXX a Amazon credit card was opened under Synchrony bank purchases made Of XXXX + XXXX XXXX. Two of these purchases were gift cards which were XXXX and {$170.00} Store items were bought XXXX XXXX 
I reached out to XXXX  XXXX explain to them I did not purchase these items and I did not wish for them to be delivered to my address I also reached out to US post office for them to send items back to XXXX  XXXX once they received. tracking numbers were given to them also made a fraud report to US post office. Got ahold of synchrony bank and made a fraud report and was told credit card was closed. Made a call to all three credit bureaus to make a report.
Product: Credit reporting or other personal consumer reports

The inclusion of these fraudulent accounts is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates the removal of unverifiable or inaccurate information, and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which requires that only accurate and verified information be reported. The following fraudulent accounts have been incorrectly listed on my report
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX, this account information is not correct. The last payment was XX/XX/2020, but the creditor says XX/XX/2020. It shows a balance of {$1600.00}, but they say it's {$0.00}.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : Balance : {$230.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

I received a letter from a third party mediator informing me that I was about to receive a court summons for a civil suit against me for defaulting on a credit card from Synchrony Bank. I called the bank. They told me they no longer handle this debt and gave me the contact information for a collection agency, XXXX XXXX, located in XXXX, Wisconsin. I called this agency and spoke to an agent. I am XXXX and my sole source of income is Social Security Disability. I told them that it is against Federal Law for a private debtor to garnish or levy a persons Social Security Income. It is against the law to garnish or levy a persons bank account to which Social Security is directly deposited. Even in the case of a court judgment. I offered a small monthly payment arrangement, but they wanted a higher payment that I can not afford. I have a financial hardship, and need money for basic necessities and my prescription medications. They said they did not care, and unless I paid them {$46.00} per month for four years, they would continue court proceedings. They said their goal was to obtain a judgment in court to garnish my Social Security income. I believe this threat is a violation of Fair Credit Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a 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 any purpose.
Product: Credit reporting or other personal consumer reports

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 receipt. 
It has been 30 days and you are in VIOLATION of this law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Product: Mortgage

I took a XXXX mortage thru plazza home mortage. They had me put {$3500.00} extra in escrow. They have since lost the {$3500.00}. No one will speak with me. Have been calling since XX/XX/XXXX.
Product: Credit card

Recently I looked at a copy if my credit report and notice several Inaccuracies on my account, this account is hurting my ability to obtain credit. It is my understanding that the credit bureau will investigate this account for me to ensure accuracy. The account i m asking you to verify is XXXX XXXX, the account number is XXXX. The balance is {$2900.00}
Product: Debt collection

Associated Credit Services , Inc. Claims to be collecting a lawfully owed debt to XXXX, XXXX XXXX When I wrote them and explained the debt IS NOT owed and the claim that the debt is owed is false. They sent back a legal agreement I never signed and have never seen prior to Associated Credit Services , Inc. remittance of the agreement. The agreement sent by Associated Credit Services , Inc. further does not contain my signature in any way shape or form. They also sent a generated invoice for {$600.00}. XXXX, XXXX and Associated Credit Services , Inc. are committing mail fraud by attempting to collect false and/or fake debts via the U.S. Postal System, I feel they  should be investigated and charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

As lenders continue to offer struggling borrowers payment accommodations, Congress last week passed the CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. The continuation of reporting such accurate payment information produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. 

In XXXX of XXXX I lost my job and immediately went to my bank and requested a forbearance and got one beginning on XXXX of XXXX. I made the monthly payments of XXXX as agreed upon in the forbearance plan. In XXXX of XXXX I got a job and immediately asked for a loan modification. I still was making the XXXX for the foreberance payments and I received the trial modification paperwork in XXXX of XXXX. I was to make XXXX, XXXX and XXXX payments of XXXX + in order for the loan to totally be modified. I made each of these payments on time and in fact early for XXXX, XXXX and XXXX. The bank has reported that I was late for XXXX XXXX and XXXX on my credit report. According to the statement above with the CARES act this should not of happened. I need this corrected as I am having trouble with getting any credit with the bank reporting I was 90 days late. You can not get through to anyone to fix the problem and that is why I am filing this complaint.
Product: Debt collection

I have provide a notarized affidavit with a docket number... .. Today I went downtown to pay for police report but I can not purchase the police report due to the Caser still being under investigation.
Product: Checking or savings account

Since XX/XX/year>, I have had too many issues with Capital One Bank. The first problem with the bank is that they don't help the customer when it comes to fixing any money-related problem. I spoke with managers, a supervisor, and Capital One Bank staff on the phone to fix the money transfer that was deposited from my checking to my credit card to pay the debt it was a big XXXX  because no one could help me and I did not know exactly how much money I owned the credit because even though the credit card was paid off the credit card still say in the statement that I still owned them money. I was getting frustrated because it took a few months until the problem finally got fixed on its own
Product: Credit reporting or other personal consumer reports

Experian : These debts is considered a Charge Off. However, this actually considered income because I should have received a 1099c in order to account for this as in come. This is not a Charge Off I'm requesting these to be removed because it's not debt. This is considered income and income should not be reported on your credit report. 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 XXXXXXXX.