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

I'm requesting that Capital One please update the name on all three of the accounts that I currently have with them. My name is spelled incorrectly. I have attached supporting documentation to support my request. 
THIS UPDATE SHOULD BE COMPLETED FOR THE ACCOUNTS ENDING IN : AUTO LOAN XXXX CREDIT CARD XXXX CREDIT CARD XXXX
Product: Student loan

How can there be a 90 day late report in my credit report, there is not one of 30 and neither one of 60, I did not have previous arrears so it does not make sense that they report something like that, it affects me since it appears in such a way In my credit report, it is a violation and a gross error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this dispute because Equifax Credit Information Services , Inc., credit bureau has violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ) ; " As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. ", by not providing the consumer with the requested information at all.

Equifax Credit Information Services , Inc. has also violated FCRA law 609 ( a ) ( 1 ) ( A ) ; " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' The Equifax organization is in violation of this law due to the simple fact that they have not followed it and has yet to produce an original signed contract through physical verification There has been repeated attempts to correct this error in their reporting, but it appears they are refusing to follow the law which is very clear in what it states. Attached, you will find my most recent requests. At this point, my counsel is prepared to coordinate with a representative from the counsel of Equifax Credit Information Services , Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I called Equifax at XXXX PM on XX/XX/2022 I spoke to a young lady by the name of XXXX she stated to me that shes unable to remove any in accurate information thats on my credit report I have sent the letter XXXX letter I have uploaded and fax all the inquiries thats on my credit report are in accurate And I need them to remove it because its affecting Financially
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Nordstrom in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XX/XX/XXXX and we are now intoXX/XX/XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint against Equifax Credit Reporting Agency on XX/XX/XXXX and would like to add to it. Initially I was concerned only with what I thought was obviously affecting my credit score but after reviewing my entire report I have other concerns that I would like to call attention to for review and correction while a review is already being done. Please also consider the following : ( 1 ) I would like to have the Consumer Statement dated XX/XX/XXXX with a removal date of XX/XX/XXXX deleted. I never requested this Consumer Statement. I do recall asking Equifax to remove one of two " Hard Inquiries '' pulled on the same day by two different resources representing the same credit organization for the same loan. Also, there is no inquiry on my report dated XX/XX/XXXX, so the date used in this statement is obviously incorrect and no " inquiry '' stays on the credit report for this long ( six years ). I do not understand why this statement ( negatively referring to one of my most used creditors ) was even put on my report. 

( 2 ) Remove the two closed XXXX XXXX XXXX XXXX  accounts with negative account activity and 1st delinquency dates of XX/XX/XXXX. 

( 3 ) Correct the closed XXXX XXXX XXXX account to show a {$0.00} balance and last and actual payment to be {$11000.00} as this account was paid in full. 

( 4 ) Remove the closed XXXX XXXX account ending in XXXX. How can the date of 1st delinquency be XX/XX/XXXX when the account is showing to be 90 days late in XX/XX/XXXX? ( Therefore, the account had to be delinquent in XXXX and it is time for removal. ) ( 5 ) Remove the $ 40 monthly payment showing in the Credit Accounts section under the Summary. The balance for revolving accounts showing on the credit report is only {$13.00}. 

( 6 ) I am providing the following documents : -email from year XXXX from XXXX XXXX XXXX XXXX have been removed from my account as stated in my initial complaint -verification of payoff to XXXX XXXX XXXX including interest
Product: Credit reporting or other personal consumer reports

I have iI have identified information on all of my credit reports that is a result of identity theft. These items are not related to any transactions completed by me. I did not authorize the reporting of the following accounts : 1. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX The consumer reporting agency violates the following codified federal law : 15 U.S. Code 1681b. The consumer reporting agency does not qualify to furnish a consumer report under the circumstances mentioned in this law.
Product: Mortgage

I have a loan that has been sold to XXXX XXXX and the servicing records are not correct. I have repeatedly reached out to the original servicer and new servicer, but they have not corrected this nor provided any conclusion. Basically, the file transferred did not reflect my XXXX payment, which was made on XX/XX/2021. I have received statements from the original servicer reflecting the payment and provided statements reflecting this to the new servicer. I am also without these funds, as they were withdrawn via XXXX through a file originated on behalf of the original servicer. 

My loan was formerly sub-serviced by The XXXX XXXX XXXX ( XXXX # XXXX ). The servicing was transferred to Specialized Loan Serving ( XXXX # XXXX ). 

I have reached out Specialized Loan Serving via email on the following dates, providing them detailed support : XX/XX/2021 XX/XX/2021 Additionally, I have reached via phone to Specialized Loan Servicing on multiple occasions and they have recordings and details of all of these calls. Lastly, I've reached out to The XXXX XXXX to no avail. For this reason, I'm reaching out to the CFPB. 

My loan is now appearing as past due and Specialized Loan Servicing ( XXXX # XXXXXXXX ) is subjecting me to collection calls and correspondence, which is inappropriate given the fact that I have reached out to them on numerous occasions, as I am not past due - they just have bad records. 

I hope the CFPB can direct my complaint to the companies, XXXX XXXX and/or the appropriate regulatory authority to help address this simple, but personally significant error.
Product: Debt collection

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX is classified as a consumer reporting agency, and I by definition am the Consumer. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. XXXX is in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n. 
I am making this complaint against XXXX. SYSTEM, INC, for committing identity theft. I have never given I.C. SYSTEM, INC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with I.C. SYSTEM, INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving XXXX. SYSTEM, INC any right to collect on this alleged debt.

I have never received any documentation requesting validation from I.C. SYSTEM, INC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If I.C. SYSTEM, INC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX. SYSTEM, INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC, continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Product: Vehicle loan or lease

On XXXX I was contacted by foursight Capital for my car payment and I already had an extension in place and the representative did not explain that I needed to accept it online. So I continued to receive collection calls every other day. 
On XXXX I finally told the new representative that there was no notice on my acct and that my new payment was already over {$1000.00}. This representative was speaking so fast and not listening to anything I was asking and just kept trying to collect a payment and not hear me out on my payment arrangement. I told him I can pay on XXXX when I get paid. He noted it. I get a call on XXXX from a new rep trying to collect a payment. I told him I already spoke to someone and set up a pay date and dont know why they are calling and trying to collect on me. They said a note was to call me today and I told them I left no such note and to check the notes. The rep did and apologized and I flat out told him that no one is following notes and they are violating abusive lending which I am protected by. I asked to speak to upper management or someone in legal and he refused to direct me to someone and told me what are you gon na accomplish with that? At this point I am just appalled at the lack of education on violating protections to consumers and their overall customer service. 
I get a call on XXXX which I assume is my follow up but I am at work and this is at XXXX! 
I get another call again on XXXX since this was my pay date and yet another rep is pressing me to get paid and I asked if he was calling me referring the note to speak with upper management and he said sir I dont deal with that I just need a payment. I told him until I speak to upper management or legal than I wont speak to a serve representative. This representative also stated well sir I am not educated on all that and it sounds like you need a lawyer. I asked him if this was him giving me legal advice and he started backing on his words and the representative was rude and also refused to transfer me to management or someone in legal. He continued to try and collect a payment and not follow my directions and I have also asked to be removed from automatic calls and they stated that can not be done. 
This company refuses to follow any lending laws and refuses to take proper notes and have a severe lack of professionalism and only care about collecting and dont ever want you to be escalated to management.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 XXXX days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Debt collection

Dear Equifax Supervisor, ACCOUNT IN QUESTION XXXX This is my 11th attempt to contact you about this account listed ONLY on my Equifax credit report. Every time i contact you nothing is done and I am ignored. As a United states citizen, i have the right to dispute errors on my credit report that doesn't belong to me. When i keep disputing this account with ACTUAL PROOF your company ignores my requests. I have been sending proof that this account doesn't belong to me since 2018. 
I have WRITTEN proof attached below from the company stating that they do NOT have any account or ever had a account in my name. Since your breach my personal information was stolen, my precious information! I would think that your company would listen to the consumers since you breached our personal information. I would like you to REMOVE this false reporting account from my credit report. You have a hard copy proof attached that they account is NOT mine. I also want to state, every time i report this to you, my score drops over 20 points. This is unfair as i pay my bills on time and work very hard to keep a clean credit report. Please fix my account and remove this false statement from my credit report. I would hope a real person reads this and can sympathize with me. I do not want to have to write in again. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I Have Found Some Information Inaccurate On My Credit Report Which Shows Account For XXXX  And XX/XX/ Was Not Paid. I Don't Believe This Account Was Ever Paid As Late. I Request You Verify The Information And Remove Inaccurate Information From My Credit Report As Quick As Possible. Iv'e Never Missed A Payment I Have XXXX  On Time Payments The Items In Question Is XXXX XXXX XXXX XXXX After Doing So Please Provide Me With Updating Credit Report Thanks For Your Time
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this because I have inaccurate information reporting on my XXXX, XXXX and XXXX from Fed Loan Services and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, XXXX states that I only have one late from each of the 3 student loans, XXXX states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on XXXX it still says Fed Loan Services. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.
Product: Mortgage

I want to cancel the monthly automatic ACH from my BB & T bank account and switch it to another one ( our property manager ), but BB & T 's mortgage division 's answering service will not connect me to an agent and keeps telling me to call back. My account has been overdrawn 3 times now as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as XX/XX/2012 and this has hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Unsecured Balance - Date Opened XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/2020. 
Account Type Unsecured Balance {$240.00} Date Opened XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/2020. 
Account Type Unsecured Balance {$240.00} Date Opened
Product: Credit reporting or other personal consumer reports

I am writing about the paperwork I received from LVNV FUNDING seeking a DISCHARGE from the alleged debt, which the debt collector states I owe to them. I have no agreement with LVNV FUNDING LLC. I would like to provide the following explanation : PLEASE DO NOT SEND ME monthly BILLS as validation. PLEASE PROVED ME WITH THE FOLLOWING : I am requesting verification of the alleged debt, specifically : 1. A copy of the ORIGINAL PURCHASE AGREEMENT with my signature 2. Insurance claim of the debt & BILL OF SALE XXXX. The XXXX with the original creditor and does XXXX XXXX XXXX XXXX 
XXXX. Do you have license in the state of Georgia to collect on this debt as well as the arbitration clause according to 15 U.S.C SECTION 1692 G.

5. Why is this on my Credit Report, - - I am unaware of who this company is or who they are representing
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a notice in the mail dated XXXX  that Lowes/Synchrony Bank is going to start charging a {$1.00} month Paper Statement Fee to receive paper statements in the mail unless the balance is less than {$2.00}. 

This is absurd. Consumers should be entitled to paper copies of all disclosures and bills, including monthly statements, as would be done in any other financial transaction. This is clearly a money-grab in the hopes that people do not simply pitch the pages of disclosures and/or notice a small-dollar charge amongst the other monthly expenses. 

They also do not allow consumers to make this absurd, required change via the Lowes XXXXXXXX XXXX where all other financial and account transactions are handled. 

Perhaps if they were truly concerned about saving money on postage, they would only send me what is needed and required for the monthly statement, rather than including additional advertisements and unnecessary envelopes. They could also offer an incentive such as a XXXX XXXXmonth Electronic Statement Credit , if its that valuable. 

They are also increasing NSF fees from {$30.00} to {$41.00}.
Product: Student loan

We have a loan managed by XXXX. We took out the loan when our youngest daughter was in college. She graduated in 2009. Our payment due date is the XX/XX/XXXX of the month. Today when I logged on to schedule the payment for the XX/XX/XXXX, the site reported that the account was delinquent on XX/XX/XXXX. Really? One day past due? 

Here is the letter I sent this morning : " I have repeatedly asked that you change my due date to the XX/XX/XXXX of each month as that is the day I get paid, and sometimes ( on a month in which I have three mortgage payments due ) I can not pay you until the XX/XX/XXXX. My account becomes overdue or delinquent one day past the due date? is that even legal? 

Please change my due date for my loan payment from the XX/XX/XXXX of the month to the XX/XX/XXXX. '' I can not seem to get any satisfaction from this company, even for the small change I am requesting.