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

XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries I do not recognize XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX  Account Number : -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.
Product: Debt collection

I am writing to address ongoing concerns regarding the persistent collection attempts by LVNV and now XXXX XXXX regarding an alleged debt. Despite repeated communication in which I explicitly stated that I do not owe the debt and demanded that all collection activities cease, I am dismayed to find that these efforts continue unabated. 

It has become evident that LVNV and XXXX XXXX have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by ignoring my requests and persisting with their collection attempts. Not only have they failed to provide evidence supporting the validity of the alleged debt, but they have also disregarded my right to verification and validation of the debt. 

Furthermore, their failure to provide a copy of the contract pertaining to the purchased debt raises serious concerns about the legality and legitimacy of their claims. I have repeatedly requested this documentation but have yet to receive it, further highlighting their lack of transparency and compliance with the law. 

Based on the egregious nature of their actions and the violation of my rights, I am demanding the immediate cessation of all collection activities related to the alleged debt. Additionally, I assert my right to compensation for damages incurred as a result of LVNV and XXXX XXXX ' unlawful conduct. It is my estimation that LVNV owes me more than {$10000.00} in violation funds, I shall expect a check for each violation. 

I expect prompt action to rectify this matter, including confirmation in writing that all collection activities regarding the alleged debt have ceased and that no further attempts will be made to contact me in relation to this matter and removal from all XXXX of my credit reports.. Their failure to comply with my demands will leave me with no choice but to pursue legal action and file complaints with the appropriate regulatory bodies. 

I trust that you will take immediate and decisive action to address this situation and prevent any further violations of my rights.
Product: Debt collection

Credit Management LP account # XXXX, # XXXX, and # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan account " XXXX XXXX '' on my credit report that closed in XX/XX/2019 and is reporting a history of late payments, which is incorrect and deceptive information. This account was fully paid every month and closed successfully with the creditor before it was transferred and consolidated into my US Dept of Education Student loans, and yet they deceptively reported months of missed payments. I am asking for expeditious removal of this account, which is reporting fraudulent information and is in direct violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a direct loan consolidation application and I selected Mohela to be my new loan servicer. Mohela is reporting a higher principal than what was consolidated on my credit reports. Mohela is reporting a principal of {$34000.00} and the principal should be {$29000.00}. On XX/XX/XXXX, I reached out to XXXX, this company was responsible for making the payments to XXXX to consolidate and the representative told me that the following payments were made during the consolidation process : Loan account # XXXX {$5100.00} Loan account # XXXX {$16000.00} Loan account # XXXX {$5900.00} Loan account # XXXX {$480.00} Loan account # XXXX {$1400.00} Total of {$29000.00}
Product: Debt collection

This attorney representing Capital One sued me at an address where I no longer live. The venue of the lawsuit was in XXXX, California about 30 miles from where the lawsuit was served where lived five years ago ( XXXX XXXX ). The summons and complaint was then mailed to that address which was forwarded to a relative 's address. No one was personally served. I only found out about the lawsuit by looking up the case on the court website. Thankfully I filed an answer in time even though I don't even live in the country any more and I am traveling a lot. This lawsuit should have never been considered properly served and the venue is incorrect as it's not even close to where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Experian Reporting an inaccurate repossession. 

I am writing to formally file a complaint regarding Experians reporting of a repossession on my credit report. I believe this reporting violates my rights under the Truth in Lending Act ( TILA ), codified as 15 U.S. Code 1601 et seq.

The Truth in Lending Act was established to promote informed consumer credit use and ensure fair treatment of consumers in credit transactions. As part of its provisions, creditors are required to provide accurate and transparent information about the terms of credit agreements. Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must ensure the information reported is accurate and verifiable. 

The repossession being reported by XXXX is not only inaccurate but also unsubstantiated, as I have not been provided with sufficient documentation verifying its legitimacy. This incorrect reporting has significantly impacted my creditworthiness and caused undue hardship. 

Under TILA and FCRA, I request the following actions be taken : 1. A thorough investigation into the repossession claim reported by XXXX. 
2. Verification of the alleged debt and the repossession in compliance with my rights to receive detailed, accurate information.

3. Immediate removal of the repossession entry from my credit report if it can not be verified with sufficient documentation. 

I have contacted XXXX to dispute this information, they listed by XXXX XXXX this account says it was opened on XX/XX/year> states the account was also charged off with a balance of XXXX and written off amount of XXXX but I have not received a satisfactory resolution. They havent provided a signed original contract between myself and XXXX. Therefore, I am seeking your assistance to ensure that XXXX complies with federal law and my rights as a consumer are upheld. 


Thank you for your prompt attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosures : Copy of correspondence with XXXX Supporting documentation regarding the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S Code 1691b Permissible purposes of consumer report. I never gave you any written consent to report anything on my consumer reports. No consent is identity theft.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report. These accounts below are in violation.Any credit transaction supposed to be excluded from a consumer credit report. if a Social Security card was used in the transaction.

15 U.S.C 1681S-2 ( A ) ( 1 ) ( E ) ( I ) Rehabilitation of private education loans, These loans below has completed the rehabilitation process, DELETE NOW 1. U S Department of Education XX/XX/XXXX all 12 accounts for different amounts. 
2. XXXX  XXXX has 10 accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information are incorrect. The 3 credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update the following accounts. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the accounts must be promptly updated. These are the following accounts that needs to be corrected : XXXX XXXX XXXX Balance : {$95000.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$3100.00}.
Product: Vehicle loan or lease

XX/XX/XXXX my car XXXX XXXX XXXX was stolen and recovered by police totaled on XX/XX/XXXX, on XX/XX/XXXX I spoke with XXXX Supervisor of Capital One Auto Finance asking for a settlement of {$8000.00} from my car insurance ( XXXX ) which paid settlement about {$15000.00} to Capital one but this car is only worth about {$13000.00} - {$18000.00} as of XX/XX/XXXX I paid in total to Capital one Auto {$23000.00}, plus my car insurance settlement payment {$15000.00} totaling {$38000.00} this ridiculous and excessive for this car. 

I asked Capital one XXXX, XXXX to send correspondence regarding my car in my name, my Aunt ( XXXX XXXX ) has deceased as of XX/XX/XXXX who was my co-signer, I paid Capital one payments monthly and my car insurance not my Aunt, I financed this car in XXXX at XXXX XXXX XXXX, NY I traded my car I owned to get the XXXX XXXX XXXX in XXXX. 

As of XX/XX/XXXX Capital one by mail is asking for another {$2900.00} or their settlement one time payment of {$970.00}, Capital one has left me without a car due to the EXCESSIVE CHARGES. This is besides excessive, abusive and discrimination, I support myself and my children with having a car and with my job I still have a job but am making less due to the Lose of my car. 

Capital One wouldnt even send me the total of what I paid, just a transaction history report of ( 7 ) pages in which I had to add up myself.
Product: Credit card

tried to make my monthly payment, bank app stated " no payment due ''. so, i did not pay. next XXXX XXXX charged me late fee {$35.00}. then i paid. a month later, exactly the same happened. but i took screen shots this time, stating again '' no payment due ''. and again-days later the bank charged me {$35.00} late fee. 
I am reporting sheffieldfinancial bank to steel money from me. I also report same bank of fraudulent activities. 
i request my money back-that they stole from me " XXXX {$35.00} ''. and removing any filed late payments in credit history.
Product: Credit reporting or other personal consumer reports

PLEASE VERIFY THESE ACCOUNTS 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

XXXX XXXX has improperly reported a delinquent payment on my credit report. I contacted them about a series of late fees and XXXX XXXX admitted that it was an internal error and all late fees were removed. Nonetheless, XXXX XXXX has failed to take corrective action on my credit report, which now inaccurately reports their own internal billing error as a negative information.
Product: Debt collection

On XX/XX/2016 Capital Accounts reported an invalid debt to the XXXX major credit bureaus on my behalf. I immediately sent Capital Accounts a letter requesting validation of which they received XX/XX/XXXX. I then waited 30 days and sent a follow up letter requesting validation again, of which they received XX/XX/XXXX. As I had not heard back from Capital Accounts, I filed a dispute with XXXX, XXXX and XXXX as I 'd never done business with Capital Accounts and did not owe the alleged debt. On XX/XX/XXXX, Capital Accounts verified the account as accurate with the XXXX. 48 hours later, I received a message from another credit card lender that due to the recent changes on my account caused by the collection Capital Accounts reported on my behalf, they lowered credit line XXXX % causing my credit utilization to rise to XXXX % and tanked my credit scores tremendously. Due to the invalid debt, I 've been denied additional lines of credit and an opportunity to lower my current interest rates. Capital Accounts has violated FDCPA regulations : 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed and 1692 g ( B ) Collector must cease collection efforts until debt is validated
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} 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 XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the XXXX to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud
Product: Debt collection

I am writing to request validation of the debt referenced below, as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide documentation to verify the debt and confirm that I am responsible for it.
Product: Credit card

Citibank closed my Citi Costco account and told me it was because my Costco membership was expired. I verified with Costco that my membership was current, paid up for a year and active. I have been a loyal customer for over 10 years and my account is current and payments made on time or early. They closed the account and left it as open on their website and app showing available credit. I tried to use the card to buy groceries and it was declined. When I called, he told me it was closed even though their website shows it as opened and payments were current. This is deceptive financial practice and complete. Disregard for customer loyalty. I called and it was given false information by multiple representatives. This will now negatively affect my credit score, which I have worked hard to build up. Citibank is causing financial hardship for me even though I have been a good customer for many years.
Product: Checking or savings account

On XX/XX/2021 a check was deposit for {$890.00} into my Wells Fargo checking account in which was credit then they took the credit back sending a letter stating available funds was being held because they were unsure that they was going to get paid and that the funds would be available basically after they got paid. Now 8 months later the same {$890.00} credit was removed from my account does sending my account into a negative balance putting me in a financial situation due to the fact that I have a lot of my bills automatically taken out of my checking account and which now they can't get paid due to insufficient funds and it's a consonant overdraft fee that keep accumulating. When I question them about the check and whether or not the payroll institution gave them credit for that check no one answers my question, in fact they never gave me a response to that question they did not in any time attempt to answer that question or look up and see could they find that answer which I know they had everything right there in front of them on the computer screen so yes I know they stole my money and they're not trying to do anything about it because they know they're wrong
Product: Credit card

Hello I am contacting yall because about a month ago I lost my card and I was a victim of fraud. 
I reported my card stolen and those transactions fraudulent. I got a statement saying my case was resolved and I would not be liable for any unauthorized transactions. They only refunded me about XXXX transactions and left the others. Which I don't understand because they were all made at about the same time. I'm just worried about my statement balence because they said that the others were authorized and I am liable for those I really can't afford that, I was wondering if yall could reinvestigate PLEASE, thank you
Product: Checking or savings account

My employer direct deposit should have been deposited to my Capital One checking account on Wednesday, XX/XX/XXXX and it did not come on that date. I called their customer service phone number and spoke with a representative who could not give details on the issue, although she stated it was a known issue, and could not provide a resolution or an estimated time that this would be resolved. It is now Friday, XX/XX/XXXX at XXXX and my employer direct deposit is still not in my account. Capital One has provided no helpful information or insight on when this will be resolved. I have no access to my funds nor do I know when I will have access to my funds.