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

Due to FCRA/Metro2 violations and non-compliance the Capital One closed tradeline on my credit report is causing rejections with other credit grantors thus inconveniencing my ability to establish credit. Please see my complaint below and attached which calls out the credit listing violations. I have also attached supporting documentation of another Capital One closed tradeline that does comply with FCRA/Metro 2 and if you look at the data missing on my account you will see the difference in reporting requirements.

1. There is no FCRA date, DOFD date ( reported by CO ) 2. As a result - there is no " On Record Until '' date 3. There is no CLS - Closed date 4. As a result - the account is still active - open, and not accurately 5. The status code - appears incorrect. 6. Paid, Closed. {$290.00} written off is what you re
ported - merging 2 status codes from Metro2 file specs 7. It should reflect code 64 ( account status code - Metro2 - see below ), account paid in full was a Charge - off, and as the final status of this account 8. After the amount was charged off - and after payment from me to bring the amount to 0 - it was no Longer, written off as you collected the amount due 9. The Payment history is incomplete 10. The Final Payment made - to get to a PAID - after charge off status was never reported, even when CO updated the status of this tradeline in XXXX XXXX Date Reported ) 11. Last Payment amount is Blank - Pay History/Balance History 12. Last Payment Date is not reported - Pay History/Balance History 13. Balance - is blank 14. Balance Updated - is blank What does " payment after charge off/collection '' mean? FCRA/Metro2 Credit Listing Violations are causing me to get rejected by other credit grantors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After researching the Fair Credit Reporting act. The accounts I have listed below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
I told the XXXX, Transunion and XXXX to reinvestigate these accounts : 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 However they stated everything was complete and accurate, How is that POSSIBLE if the Open Dates, Last Activity Dates and time of payments are incorrect? According to 15 USC 1681i ( 5 ) they are required to modify accounts that isnt reporting correctly or accurately.

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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

They did not provide me with any original contracts with wet signatures for any of the above companies as well as the Forward Flow Agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to you because I am concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it is important that we have accurate records on le with those who rely on them most- including not just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. I would love any feedback possible before taking action against you later down this road together.The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance and is currently not a representation of who I am nancially because it is inaccurate. I am demanding accurate documentation so you can document me- the person who deserves status in society - correctly.Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$36000.00}
Product: Consumer Loan

On the day my payments are due on my auto loan account First Premier Financial begins calling at XXXX, every other Saturday. Not even giving me a chance to wake and get my day started. I have a good pay history with First Premier, and have fallen behind a few times. My account has never gone 30 past due. Since being with first premier i have recieved nothing but horrible customer service. The reps as well as a lady named XXXX who says she is from corporate call and disrespect whoever answers my home telephone. I have requested many times for my home not to be called before XXXX as I am not home until thatn time. The request was granted XXXX time. Account manager XXXX has called my home and told my child care provider she is a liar, she is beginning to see a pattern and is plain rude. She and another rep XXXX both have threatened reposession with my account only being 14 days past due at the most. XXXX has called and hung up on my wife because she was not getting the information she wanted. On Friday XXXX XXXX, 2015 XXXX placed a call to my home at XXXX XXXX from a cell phone not associated with First Premier Financial. Had I been Home and spoke to XXXX I would have provided my personal information on a 3rd party line. The telephone caller ID appeared as XXXX XXXX phone number XXXX. When I called the phone number back a lady answered whom did not identify herself as First Premiere Financial. She answered and said hello, no business greeting disclaimer opening. Nothing. After realizing who I was she said hold on I know who called you. I know I have an agreement with First Premier Financial, but the way they go aboout collecting their payments is not in a business like manner at all times. She has never called and been pleasant or professional. She always calls with a horrible bad girl attitude. I know I have a payment and i know its to be paid, the company has no consideration for their customers and the situations they may be facing. Its cold shoulder have my money or im taking your vehicle. I feel the way I am treated and im sure others are is unprofessional and should be addressed. I feel their tactics are unfair and unprofessional. I also was advised about a deferment. I accepted and was still charged my montly payment. i was never given time to catch up. Months later it was addressed that i had been over paying and was told i had a credit of {$100.00}. They have also had someone come to my home when my account was less then 19 days past due stating i needed to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of fraudulent activity related to an opened car loan that I did not authorize, I am very concerned about the impact this has had on my financial wellbeing. According to the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I have the right to dispute any fraudulent information on my credit report and seek restitution for any damages caused by the fraud. 

Under FCRA section 1681g, I am entitled to receive a copy of my credit report from all three major credit bureaus and review it for accuracy. If I find any inaccuracies, I have the right to dispute them with the credit bureau and the creditor that provided the information. Additionally, under FCRA section 1681e, creditors and credit bureaus have a duty to ensure that the information they report is accurate and up-to-date. In this case, the car loan that was fraudulently opened in my name should not have been reported to the credit bureaus without my consent, and any negative impacts to my credit score resulting from this fraudulent activity should be rectified. 

Furthermore, under TILA section 1641, if the creditor sells or assigns the car loan to another party, they are required to notify me in writing of the transfer within 30 days. If the creditor fails to provide this notification, I have the right to rescind the loan for up to three years after the loan is made. Given that I did not authorize the opening of this car loan, it is unlikely that I received the required notification of transfer, which may give me further grounds to challenge the legitimacy of the loan.

As a victim of fraud, I should not be held liable for any debts incurred without my knowledge or consent. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in any abusive, deceptive, or unfair practices in attempting to collect a debt. This includes attempting to collect a debt that is not owed or attempting to collect an inflated amount. If the car loan in question was fraudulently opened and I did not benefit from the proceeds of the loan, I should not be held responsible for repayment of the loan or any associated fees or interest. 

In light of these laws and protections, I urge the creditor and any collection agencies involved in this matter to take swift action to rectify this situation. I should have a provisional credit added to my account for the full amount of the fraudulent loan, and any negative impacts to my credit score resulting from this fraudulent activity should be removed. I also request that the creditor and any collection agencies cease all attempts to collect on this debt until the matter is resolved and I am provided with sufficient evidence that the debt is valid and owed by me. 

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate XXXX XXXX XXXX accounts belonging to my ex husband are appearing on my report. I am not responsible for this delinquent account, and have court paperwork to show this. This company has not only fraudulently reported this XXXX XXXX XXXX  account, but they have sold it to another debt collector who is now also reporting it with a slightly different amount. Transunion has failed to fix this problem despite multiple complaints, and this error is now preventing me from getting a favorable interest rate on a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information from dispute submitted through complaint for fraudulent accounts being reported. I was notified of accounts that I disputed due to fraud that EXPERIAN is just ignoring. I have proof from the complaint from company that such accounts were requested to be deleted but some how EXPERIAN said that they will remain on my account. 
Due to such results remaining and not being deleted it has come to my conclusion that EXPERIAN is not doing and taking such process serious. 
Other than me ( " the consumer '' ) not wanting such information furnished on my consumer report ; I have verification that such account is not accurate. 
So I'm requested you present me with description of the procedure used to determine the accuracy and completeness of the information.
Product: Credit card or prepaid card

I have had the XXXX credit card since 2007 and therefore do not have any of the specifics of the amount of late charges. 
I now know that the late charges are a flat fee of {$39.00} on any overdue balance. The interest rate is 27.24 %. I can't imagine that high a penalty on a clothing purchase. I have a credit score of XXXX and yes I have been a couple weeks late due to distractions of vacation and getting kids back to college. I feel that the XXXX is taking advantage of its consumers. It lures them in to use their credit card with receiving a 10 % discount only to gouge them when bills are more than one day late. 
I am in shock regarding this corporation.
Product: Credit card

Hello, on XX/XX/23 I had lost my wallet and all my belongings inside of it. Inside, contained 2 of my US Bank Cards. I had not realized I lost my wallet until the day after on XX/XX/23. I began to look for it and I realized the next day I would not be able to find my wallet. Then, I had filed a police report that my wallet was lost, but it was too late. Whoever had my wallet went and proceeded to spend close to {$40000.00} on my credit card. I was so upset at US Bank as I never received ANY verification texts or calls to ask if it was me! Also, I am so disappointed in the merchants involved as they did not ask for any ID checks to match with the card, if they took those steps this would not have happened! I called US Bank to dispute these charges and they began to " investigate ''. Their investigation in my eyes was very hostile towards me. I provided every single piece of documentation they requested with no hesitation whatsoever. I feel that the investigation was done unfairly and with bad faith as they were not trying to protect their customer. They conducted that their investigation concluded that they will be denying the dispute, when I asked if they can send me everything through mail or in writing somehow they would decline and that if I had any further issues pertaining to the matter to SEND A LETTER TO THE PRESIDENT OF THE US BANK which sounded like a slap in the face to me. The case managers involved, XXXX and XXXX were ZERO help and very unprofessional. Their numbers are ( XXXX ) XXXX & ( XXXX ) XXXX. I have left countless voicemails with no returned calls, they have left me no choice. Attached will be all the necessary documentation. Thank you so much.
Product: Debt collection

This company keeps on adding what I " owe '' to whomever.. The balance that I owe used to be only XXXX $ and somehow it's over XXXX $ - This CAN NOT be legal nor justified
Product: Mortgage

On XX/XX/XXXX I began the mortgage application process with Wells Fargo Home Loan. On my initial loan application I said that the home was built in 1975 and converted to real property. On XX/XX/XXXX Wells Fargo charged me {$550.00} for an appraisal. On XX/XX/XXXX I was instructed to take a First Time Home Buyer course through XXXX  for {$75.00} as part of my loan application process. On XX/XX/XXXX, some 20 days into escrow, Wells Fargo denied my loan due to the date that the home was built, which I'd included on my initial loan application, leaving me with less than 7 days to secure another loan before losing my earnest money deposit. I subsequently had to relock with another company at a higher rate resulting in a total loss of ~ $ XXXX over the life of the loan. Further, my credit was damaged from being pulled several times by several mortgage companies and credit bureaus in two different months. I filed a complaint with Wells Fargo on XX/XX/XXXX seeking reimbursement for the appraisal and course totalling {$630.00}. I was assigned complaint case number XXXX and customer care representative XXXX XXXX at ext. XXXX. I have called the customer care line repeatedly and can not reach XXXX XXXX. I am then transferred to a generic customer care representative who can not access my file or give me a status update. Moreover, I feel that this is a violation of the Consumer Protection Act and Fair Lending Act due to the fact that the information they claimed to be the cause of denial was provided on day 1 of the loan application process and they could not produce a report or factual evidence as to why the loan was being denied despite documentation from the State of California Housing and Community Development Office that the home was converted to real property and has legal filing with the State of California.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX # XXXX*I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one legit account with XXXX XXXX Credit card company. 
There is a second one that is not mine. 
I have notified TransUnion twice and disputed. 

They reply its mine and it is not.,
Product: Debt collection

In XXXX of XXXX Santander has updated the outstanding balance for the damaged vehicle. There has been a payment arrangement on this car since XXXX of XXXX, with a total remaining balance to be paid whenever it can be paid, with monthly installation dates. The agreement was signed with Santander to keep the total outstanding balance current. 

That balance was only supposed to be for the remaining of the 72 months unpaid loan dollar value. The loan was signed in XXXX of XXXX. 

As of today, they have sent a debt of more thank $ XXXX. XXXX XXXX dollars for a car purchased in XXXX original sticker price {$12000.00} XXXX XXXX dollars. 

The collections were sent to XXXX, and have created countless emergencies as a result of the credit damage re : housing. 

Attached the current debt balance listed with XXXX.
Product: Credit reporting or other personal consumer reports

Fraudulent collection accounts EXPERIAN : XXXX Opened XX/XX/XXXX {$920.00} XXXX XXXX Opened XX/XX/XXXX {$2900.00} XXXX : XXXX Opened XX/XX/XXXX {$920.00} My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt. 
3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Please DELETE immediately! 

Respectfully XXXX XXXX XXXX Without Prejudice