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

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Summary of Accounts being challenged in list form Summary of Accounts being challenged in list form XXXX  XXXX - Account NumberXXXX Please remove from my public record XXXXXXXX XXXX XXXX  - Account Number:XXXX Please Update all payment, all pay was made on time. 

XXXX XXXX - Account Number:XXXX INACCURATE PAYMENT HISTORY AGAIN! DELETE ASAP. 

XXXX XXXX - Account NumberXXXXhave not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I my presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Money transfer, virtual currency, or money service

Hello PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assumeit has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit card

This company is reporting an outstanding debt with a balance on my credit reports as a charge off and judgment. They sold the debt to XXXX XXXX XXXX and that is who was paid. When I called Barclays Bank to ask why they were reporting the debt as an outstanding charge off and judgment they told me they have no information on the account because they no longer had it. This is very frustrating for me because they are still having the account reported with a balance as a charge off and judgment. The account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX FAX : XXXX Transunion : XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT ; PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX  XXXX Once again this is not a request to investigate, but to update. So I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made the company aware of fraudulent transactions on the card upon my release from jail. 15 U.S.C 1681C-1 I didn't even death prevention fraud alerts and active duty alert.

I'm also asking for debt validation. Send me a detailed list of the history of payments made by me on this account. I want to see the signature I put on this contract guarantee that I will pay this creditor. I'm asking to see has there been any insurance claimed or filed on behalf of this debt. I won't prove you have the chain of title to collect this debt. 15 USC 1692G 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  I'm asking to see death validation Send me a detailed list of the history of payments made by me on this account I want to see the signature that I signed guaranteeing me to pay this creditor. 
I'm asking to see have there been any insurance claimed or filed on his debt. 
I want proof that you have to chain of title to collect on this debt. 
15 USC 1692G XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would like a letter of debt validation Send me a detailed list of the payment history made by me on this account. 
I want to see the signature that I put on the contract guarantee that I will pay this creditor. 
I'm asking to see has there been any insurance filed or claimed on this debt. 
I want to see proof that you have to chain of title to collect on this debt. 
15 USC 1692 G I would like all that removed under 5 USC 552a Since my personal information was exposed during the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of, while several laws were being broken under the FCRA by EQUIFAX. EQUIFAX has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  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 my 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 those account 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 XXXX 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: Credit reporting or other personal consumer reports

A hard inquiry by XXXX dated XX/XX/22 appears on consumer reports. No disclosures were given for this hard inquiry.
Product: Debt collection

This collection amount of {$310.00} was erroneously placed on my credit report in XX/XX/2015 and I was unaware of it until I checked my credit recently. I was never sent any official notice of this debt and I did not incur it. It should not be in my credit file because it does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

HELLO, I FILED A DISPUTE WITH XXXX ON XX/XX/XXXX CASE XXXX AN ACCOUNT THAT SHOWED UP ON MY CREDIT REPORT XX/XX/XXXX FOR : XXXXXXXX WITH JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX. I DO NOT KNOW WHO THIS COMPANY IS, OR WHAT OR WHY IT IS SHOWING UP HERE FOR THIS AMOUNT? 
THIS IS A SYSTEM ERROR OR IT IS FRAUD. 
THIS IS NOT MY ACCOUNT. I WAS TOLD TO WAIT 30 DAYS, AND THEN I CALLED AGAIN ON XX/XX/XXXX AND SPOKE WITH XXXX DISPUTE DEPT AGAIN. PER XXXX, THIS IS A SYSTEM WIDE ERROR WITH JEFFERSON CAPITAL, AND SHE HAS HAD MULTIPLE CALLS IN REGARD TO ERRORS ON REPORTS. 
SHE STATES SHE WILL FILE AN ESCALATED SPECIAL HANDLING ON XX/XX/XXXX XXXX SHE ALSO STATES THIS IS XXXX AND KNOWS THEY ARE OUT OF BUSINESS. 
ALSO, I AM A LONG STANDING XXXX USER FOR MANY YEARS, AND I AM NOT IN COLLECTIONS WITH ANYONE. XXXX HAS CLOSED MY DISPUTE TWICE. 
THIS ERROR NEEDS TO BE REMOVED IMMEDIATELY. I DO NOT APPRECIATE INACURRATE ITEMS ON MY CREDIT REPORT, AS WOULD ANYONE. 
I WORK HARD, AND I DESERVE TO KEEP A GOOD STANDING WITH MY REPORTS. 
THANK YOU
Product: Mortgage

I submitted an application for a mortgage refinance through Amerisave. They charged me {$420.00} for the appraisal ahead of time, BEFORE THE APPRAISAL WAS SCHEDULED. The documentation that I signed and submitted stated that I would be charged once the appraisal was confirmed scheduled, not when the card number was given to Amerisave. They took the money from my card and available credit prior to the agreed upon time. 

Additionally, the appraiser stated that he had spoken with the lender, researched the property and the comparable sales. He stated that the reaching the needed appraised value would not be a problem. He spoke directly with me and asked me " How much do you need and why? " ... I told him that I was told that this was an illegal conversation and he stated that we 're on the phone, no proof. 

Once the appraised value was not met, Amerisave tried to get me to switch to a different product, consistent with their bait and switch tactics of 2014.
Product: Debt collection

First, this is a note for CFPB ; this company was not actually imitating a lawyer or anything like that, there just wasn't an option for anything else. 

On or about XXXX, XX/XX/2023, I received a phone call from a phone number, XXXX and the Called ID showed up as " XXXX XXXX. '' Now, I answered the phone because I was actually supposed to have a call from a doctor about that time. When I answered the phone, the person asked me to confirm that I was me, but didn't identify themselves. He then said he was going to transfer me over to a provider, and the transfer took all of a second, which seemed a little strange to me and more like they just handed off the phone. The other person then started talking, and at this time, I realized both of them had an XXXX accent, and it seemed a little weird. At this point, I asked who she was and she was with. At this point she identified herself and said she was with Midland Credit Management. This is when I hung up. 

The Fair Debt Collection Practice Act, specifically, 15 USC 1692e ( 10 ) and 15 USC 1692e ( 14 ), as well as the Arkansa Fair Debt Collection Practice Act, specifically, ACA XXXX ( 10 ) and ACA XXXX ( XXXX ), strictly prohibits debt collection agencies from using any type of deceptive practices to try and collect a debt. Because this call was extremely deceptive in nature, it is believed that Midland Credit Management violated the aforementioned articles of federal and state law. Each law affords a civil liability to the offender in the amount up to {$1000.00} per offense. It will be my intention, if this issue is not addressed by the company with 30 days, to file a claim in court for violations of federal and state law, as well as seek relief for each section violated. 30 days from the time of this filing will be XX/XX/2023. 

At this point and on this day, XX/XX/2023, I demand that Midland Credit Management cease any and all communication and collection efforts, to include but not limited to ; emails, phone calls, letters, post cards. Any communication, other than response through this filing, or an offer to settle this matter, will deemed as a further violation of the Federal Debt Collection Practice Act and Arkansas Fair Debt Collection Practice Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint about so many inaccurate details information on XX/XX/2021. but to this day over 60 days have passed I still have no response coming from you. I feel like they are not taking me seriously for some reason, I was told that by law, you were supposed to respond within 30 days so is clearly a violation. I will seek legal help if i need to but I want these inaccurate information on my report deleted. if i need to take this to the next level I would but i hope this issue will be resolved soon and get me cleared from any misleading details. I am going to wait for your response
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are included on my report that don't belong to me. 
XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$1500.00} XXXX : {$730.00} XXXX {$1200.00} XXXX Dispute incorrect amount {$10000.00}
Product: Mortgage

XXXX XXXX double registered my mortgage so it appears that there is XXXX mortgages when there is XXXX. Nobody at this bank is able to to give answers as to how this can be corrected so that we can close a sale on this property. 

My team has made a dozen contacts in the last two weeks and every member of this bank either pretends to be clueless, doesn't speak XXXX or has a non-working phone.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX SSN XXXX DOB XX/XX/XXXX PHONE : XXXX XXXX XXXX XXXX Advanced Resolution Services XXXX XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX Dear Legal Department, I humbly request a copy of the consumer report from your agency and I ask now for no future late or derogatory information reported by anyone as there has been significant identity theft over the past year. Specifically when I spoke with one of your agents she indicated there was a bankruptcy on my report. Once I receive the report, I will send the appropriate information disputing this account and others. 

Moreover, I request you immediately put a security freeze and alert on my file as well as fraud alert as this Dispute Letter serves as my formal complaint to this agency because you are reporting inaccurate credit account information. Additionally Ive submitted a formal complaint to the Consumer Financial Protection Bureau. 

Policy states. 
According to the FAIR CREDIT REPORTING ACT FCRA Section 168Ic Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Sincerely, _________________________________ Enclosures : Proof of Identity Drivers License and Social Security Card
Product: Checking or savings account

I have a checking and credit card with Capital One. I was due to receive my direct deposit on XXXX  XX/XX/year>. They have failed to get my direct deposit posted to my account in XXXX hours due to an outage. This is unacceptable- I am not able to buy food or gas or pay my rent. I believe there has to be other things they could do to fix this issue in a timely manner. I was patient and understanding the first XXXX hours, XXXX is unacceptable and shows a complete lack of understanding of their customers needs. If they truly cant fix the issue- use your own funds and reimburse when you can get my money. There are thousands of people living check to check being no fault of their own. Capital One needs to do better.
Product: Credit card

on XX/XX/XXXX I contacted Venmo/Synchrony bank to inquire again if my bank check that was to be cashed XX/XX/XXXX an electronic check sent from my banking institution XXXX XXXX  XXXX The answer from XXXX individuals ( XXXX and XXXX ) was to stop the check and send an ACH by XXXX XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX I spoke with a supervisor at Venmo/Synchrony to see if they received the check as it still did not clear my account, supervisor, XXXX said no I said I will call my bank XXXX issue a stop and do the ACH XX/XX/XXXX called XXXX XXXX XXXX stopped lost check XX/XX/XXXX XXXX AM called back Venmo/Synchrony to confirm receipt of ACH and informed XXXX the check was stopped Everything was ok XX/XX/XXXX I went to fill a prescription I have XXXX and my card was denied ( knowing I was in a credit balance I thought perhaps it was just a card reader issue ) Came home and signed on and my account was closed. Venmo/Synchrony has told me several excuses why my account was closed : credit bureaus told them to ; non payment ; they will review it and get back to me in XXXX days and my refund can take up to XXXX days. 
I contacted XXXX all three credit bureaus they were unaware of any wrong doing on my behalf and I have everything fully documented and they didn't direct the credit card company to close my account
Product: Debt collection

From XX/XX/2021 to XX/XX/2021, The company Central Portfolio Control continually contacts me about a debt they say I owe in a phone call. I never received any written notification of the debt or proof of the debt. I disputed the amount and asked for written verification. Every time they call, they tell me they have no record of a dispute and want me to pay the full amount. They call usually 2 sometimes 7 times a day. 
I think it was early XX/XX/2021 Central Portfolio Control ( female ) contacted me via phone about a debt that they say was owed to XXXX XXXX in the amount of {$1400.00} but would not give me details about the bill or dates of service or service provided. I told them that I could not pay something that I did not remember or have knowledge of and that I would require a written copy. I provided my PO Box address and told them that I did not have a mail box at my physical address. I also told them that I disupted the charge unless it proof was received. Another person from that office ( male ) called me that afternoon about the debt and said that he had no record that I disupted the charge and again verified my address. Another person ( female ) from the office called the next morning and said they had no record that I disputed the charge or asked for verification. I also asked for a reduced amount since my XXXX treatment caused memory issues and I can not do the same job as before the XXXX. They would take off about 10 percent but I still said that I disputed the charge until I received proof in the mail. They verified my mailing address again. I have never received any verification in the mail, but that number continues to call 2 to 3 times a day and hangs up after I say hello. Please help me. Aren't they supposed to show proof of the charge if I do not have knowledge of it and also dispute it?
Product: Credit reporting or other personal consumer reports

Tranunion removed ( suppressed ) XXXX XXXX  from my credit report. I paid off my mortgage loan in XX/XX/XXXX and I want it shown on my credit report. I have called and spoke with them numerous times. I was informed that they could not add it back to the report and that Data Mortgage would need to. 

I spoke to Transunion on XX/XX/XXXX to explore why XXXX XXXX was removed and they stated that XXXXXXXX XXXX instructed them to remove it. I was informed to contact XXXX XXXX  about this and that they would have to submit information to them to have it added back on my report as a paid mortgage. I spoke to XXXX XXXX this date and after being on the phone for over an hour going back and forth with a customer service rep who told me that my credit report was accurate, the customer service rep hung up on me. I called back and spoke to XXXX who expressed understanding that I wanted XXXX XXXX to be added back to my account and that a ticket was placed to have it addressed. 

On XX/XX/XXXX I again called Transunion for follow up to see if anything changed. I was informed data mortgage did not send any updated information about having data mortgage added back to my credit report. I called data mortgage this date and was informed that a ticket would be placed on my account to have the correct document sent to transunion and that it was marked as priorty. 

On XX/XX/XXXX I again called Transunion to inquire to see if it was received. I was informed that it was not received. I called XXXX XXXX  again this date and was told that a ticket would be placed for the internal team to update my credit report manually. There are still no changes. The customer service rep from XXXX XXXX told me that the first thing that should have been done was having XXXX XXXX just update my credit report and she did not understand why that did not happen. Again, I was informed it would be marked as " urgent ''. There continues to be no changes/updates.