23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
Product: Vehicle loan or lease

I try purchase my lease end hyndai XXXX 
I send check pay off balance with last payment. 
I track my mail and it shows they received But still shows I due my last payment and it is not payoff I tried call them and never responded Worst customer service
Product: Credit reporting or other personal consumer reports

I checked my credit report and I notice inquiries that I don't recognise. XXXX  XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX
Product: Debt collection

This company IC System is still reporting this account to XXXX and XXXX, I have asked them many times that I want them to provide me with the original contract as proof that this debt belongs to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contract to the court. If they want we can do it that way. Delete the account from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the account must be deleted from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX and on the XXXX of every month after that. I am a contract worker who is paid in arrears at the end of every month. Because of that, I made my XX/XX/XXXX payment on XX/XX/XXXX. I paid off the entire balance of the loan on XX/XX/XXXX. After my credit report was updated with the loan payoff, I received notice that my account was reported for a XXXX late payment. I called customer service and was told I didn't make my XXXX payment. I explained due to how I am paid, I made my XXXX payment on XX/XX/XXXX, which was not 30 days late - even if you counted actual days. I also explained that I pay other accounts in this manner without issue and had a 100 % on-time history with all my other accounts. He explained he couldn't help me and that I would need to write a letter and send accompanying documents to their XXXX XXXX XXXX department. This is unsatisfactory to me due to the fact that the company just paid out a large class action settlement to millions of customers in XXXX due to inaccurate reporting and taking an unreasonable amount of time ( sometimes years ) to correct inaccuracies. Without the ability to call or email the department directly, I will be unable to know if my dispute was received or if anyone is working on it. My credit history is too important and costly to just sit around and hope it gets resolved. I am hoping the CFPB can assist me in getting this resolved.
Product: Vehicle loan or lease

This account was intended to be financed under a business account and not my personal credit. Despite this, the financial company has reported the debt on my personal consumer report. 

I have contacted the financial company to correct this error, but the issue remains unresolved. I have evidence that the address associated with this account does not match my personal address which differs from the address on the account. 

Additionally, I believe the following violations may have occurred : Misrepresentation : The dealer promised that the vehicle would be financed under my business name, but this was not honored.

Breach of Contract : If there was a written agreement stating that the vehicle would be financed under my business name, this was not fulfilled.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Reporting a business debt on a personal credit report without proper disclosure or consent could be considered an unfair, deceptive, or abusive practice.

Violation of Consumer Protection Laws : Various state and federal consumer protection laws may have been violated.

Incorrect Credit Reporting : The Fair Credit Reporting Act ( FCRA ) requires accurate information reporting, which was not adhered to in this case.

I request that the CFPB investigate this matter and assist in correcting my credit report to reflect the accurate information. This incorrect reporting is adversely affecting my personal credit score and is not a true representation of my personal financial obligations.

According to 15 USC 1681EB, You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. This may also include other violations including fraudulent behavior though point of sale with misleading information
Product: Credit reporting

my ex-husband is responsible for the refinancing of all past due and all outstanding payments of mortgage as per divorce documents
Product: Checking or savings account

I debited XXXX from my account and it posted as two transactions on XX/XX/XXXX. After reaching out to the company via the branch manager through two emails and a message on his answering machine, I received no response for two weeks. Then I made an appointment for the Manager to call me today and he never did. I also debited XXXX yesterday and that transaction posted as a double transaction as well. Now I am XXXX down and trying to make payroll for a small business is getting harder. Please see if you can help. Thank you in advance.
Product: Debt collection

I have no knowledge of this account I would like for it to be deleted off my credit
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against TransUnion for reporting inaccurate information on my credit report, ( XXXX XXXX XXXX collection account ) despite my multiple attempts to dispute the erroneous data and providing substantial proof of the inaccuracy. I believe TransUnion 's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ). 
TransUnion is reporting a collection account with an incorrect balance. I have disputed this information multiple times, specifically on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have provided proof of payment each time. 
Despite my efforts and the evidence submitted, TransUnion has failed to correct the inaccurate information. Their responses have been, they do not properly investigate my dispute, the account is for XXXX and a government program paid {$6600.00} of this balance before it went to collections, transunion continues to change the amount by {$1.00} everytime I dispute. This ongoing issue has significantly impacted my financial standing, including my XXXX XXXX, my interest rate on my car loan, and not being able to buy a home. 
also i have requested debt validation from National credit systems and they haven't responded in over 45 days, so they are illegally reporting on my credit report. 
I believe TransUnion 's actions are in violation of the following FCRA provisions : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information. 
TransUnion has not conducted a reasonable reinvestigation of my disputes despite the clear evidence provided. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) : Failure to provide notification of the dispute to the furnisher of the information. 
TransUnion did not notify the furnisher of the disputed information or did not do so in a timely manner. 
XXXX XXXX. XXXX ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
TransUnion has failed to maintain accurate information on my credit report, causing ongoing harm. 
XXXX XXXX. XXXX ( b ) : Responsibilities of furnishers of information to consumer reporting agencies. 
TransUnion has not ensured that the furnisher of the incorrect information is fulfilling their obligations to investigate and correct the errors. 
I am requesting that the CFPB investigate TransUnion 's handling of my disputes and their compliance with the Fair Credit Reporting Act ( FCRA ). I urge the CFPB to take appropriate action to ensure the incorrect information is removed from my credit report and to hold TransUnion accountable for their non-compliance. 
I have attached copies of all relevant documents, including my dispute letters, evidence submitted, and TransUnion 's responses, for your reference. 
Thank you for your attention to this matter. I am available to provide any additional information or clarification as needed.
Product: Debt collection

On XX/XX/XXXX and XXXX, XXXX, an individual called my employer and spoke to a colleague about a " pending lawsuit against me '' and they needed to " reroute legal papers that were being served to me. '' After the first instance, I told them to not contact my employer again. They contacted my employer a second time, where I again stated that were to not contact me at my place of employment. The person who left the message was named " XXXX XXXX. '' I spoke to someone called " XXXX XXXX, '' who then sent " legal documents '' to my email address. It is a debt collection notice for a debt that I do not owe. It is from XXXX and is not on my credit report. The original creditor had sold the debt years ago. This company, going by " XXXX XXXX XXXX, '' is also known as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They have three different addresses and numerous telephone numbers. I attempted to reach out to one of them and it was answered by a law firm called " XXXX XXXX XXXX XXXX. '' The receptionist mentioned she receives numerous phone calls from people trying to contact XXXX XXXX XXXX XXXX. The number for XXXX XXXX XXXX no longer works. 

Additionally, I have sent out " cease and desist notices '' via email and certified mail to all three companies. I spoke to XXXX XXXX on XX/XX/XXXX, after she called my cell phone, and informed her that it is not my debt and they need to stop contacting me. She again threatened to have me served at my place of employment.
Product: Credit card or prepaid card

Chase mishandled my personal information. 

I've applied for a personal credit card ( XXXX XXXX ) and my Information was automatically filled in on some of my information, including address, as I have another account with them.

I also have fraud alert on my credit report which Chase would have to call me and verify this information, including the address. So, it's a surprise to find out that I didn't get my card, and I called in to find out why after it was sent almost 3 weeks ago, and I was told by someone with no common sense that " I put the wrong address on the application '' which is just not true, especially since their fraud department verified it, which makes the address clear and valid.

So, this person I've spoken to with no good judgement said the cards were returned due to invalid address. First, again address was validated... I'm not stupid, I know my address! and second, they have it on file. 

I believe Chase either had a scammer working with the department that sends out the cards and changed the address, Chase changed the address on its own for whatever reason or Chase had an employee that sends out the cards handled 2 accounts at once and mixed up the addresses and now it may be 2 customers affected by their mistake. 
But Chase is blaming me for their security mix ups on my personal information that someone could have got ahold of. 

Now after repeatedly reverifying myself to this person with lack of sense, I still can't get the card, nor access the account/account dashboard because I'm not verified with them and the phone, I called from is connected to their system. How silly is that.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXXXXXX XXXX XXXXXXXX XX/XX/23 XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have not requested any credit this year with those banks, at the same time I have been a victim of fraud, so at that time I had a fraud alert that these banks ignored
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Mortgage

I have an FHA loan. Carrington mrtg is my servicer. I fell behind on my payments in XX/XX/2018. In XX/XX/2018 the took a payment. In XXXX the returned a XXXX. Money order payment. They locked my account on XX/XX/XXXX and started foreclosure. My money order which is now not useable to me because its written on and banked stamped was returned to me. On my statement it is written that is payment in full is not sent monies will be held in a suspended account. Heres my issue. I called FHA after Carrington refused payments and locked my account. FHA stated they had seen my prior 5 years of perfect payments and they dont foreclose unless I am 6 months behind. I was not but now due to Carrington refusing my payments I am now 6 months behind if you include XXXX. Its unfair. I am honestly trying and making an effort. I am a single mother. I lost my job of 10 years. I have taken a XXXX an hour pay cut. I requested a reinstatement. Its an outrageous amount. I have filed for a modification. Im still waiting. This morning Carrington called my phone but once again left no voicemail as to why they were calling. I logged into my account and ot stated call point of contact for modification. So I called. I entered all my identifying information. And it keeps routing me to single point of contact line that is closed. This is at XXXX XXXX in the morning on a friday. They are closed on a weekend. Again precious time being wasted giving me the run around. The have my email to send me requests and information as well. My house has doubled in value since I purchased it. It feels like they are trying to make me foreclose and force us out. I feel as though they should not be allowed to lock my account and refuse payment especially if I have in writing that it will be placed in a suspended account. If nothing else FHA would then be able to see I am making an attempt and not really 6 months behind and see what this servicer is actually doing to low income homeowners. Please help. I have a hud counselor but she has only gotten as far as I have. Also if and when I get this situation fixed I want to know how I can get a different servicer. I absolutely do not TRUST the company. They are horrible and treat their clients that are struggling awful. They dont explain anything. Everything I have learned I have had to research online. When I say I dont understand something they just repaet themself. When I ask about and option I hear its up to you whatever helps you sleep at night. Its horrible.This is my only home. Im am trying like crazy to save it. My payments are XXXX. A month I have XXXX. In returned and refused payments. Plus my current payment thats due for XXXX on the XXXX which has been my payment date for over 5 years.I understand I would still be behind but only like a month an a half but now they want a few thousand dollars in fees. I just dont understand how a company can do this.
Product: Student loan

I put an a request to switch my payment plan to the new REPAYE student repayment plan in XXXX, when it was first announced. It is over three billing cycles later and they have made no visible progress on the request ( normally there is a {$5.00} payment month immediately prior to the switch to the new plan ). Every month is costing me increased payment amounts and accrued interest over what the new REPAYE plan offers. They told me the XXXX month would be XXXX and the new REPAYE month would start in XXXX. Now they are saying to just not make my XXXX payment and then *maybe* it will be fixed in XXXX. The loan servicer is underperforming and costing borrowers money because they 1 XXXX can not communicate accurate timeframes and 2 XXXX are dishonest about what they do say.
Product: Debt collection

This letter is a formal complaint that they are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I have contacted XXXX personally and they have not followed up with a response fir the verification of debut and its been 30 days. I also am a victim of fraud. My wallet was stolen which had my social security card and Drivers License inside of it. I filed a police report and a identity theft report with the Federal Trade Commission on this matter
Product: Checking or savings account

I opened an account with a referral link for a {$500.00} bonus when the terms and conditions were met on XX/XX/22. The terms and conditions stated that I had to make a direct deposit of {$200.00} or more every 30 days for 90 days, and make {$200.00} in debit card transactions in the same period. I completed all of the requirements for each of the three 30 day periods. 

On XX/XX/22 which is after the 90 day period, I messaged their customer service to confirm that the requirements had been met and that the bonus would be issued. They would only send me a generic response stating that I might not have qualified for the bonus for various reasons, and would not respond to further requests for clarification.