23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AMERICAN PROFIT RECOVERY, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit card or prepaid card

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Transunion and XXXX about this high impact inquiry on my credit report from XXXX XXXX XXXX  collections for a cable bill from XXXX not belonging to me but someone received in my name. Ive disputed it and sent dispute letters and its still there. Please help. Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : LATE PAYMENTS ARE NOT CORRECT AND NEEDS TO BE CORRECTED. 

Good morning, I have disputed the late payments for the account above with the financial institution, and they agreed with my comments and agree to delete the late payments they have posted it on my credit report. They sent me a letter in XXXX with he following statements XXXX XXXX has finished to the credit reports agencies on the above reference account after their investigation an update on their records as to show no late payments. No agency has made a change to this account and still has this account showing late payment. 

please update this account immediately in order to not report false and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

So on XX/XX/2022 I saw a lot of hard inquiries in my XXXX which got my attention and my score drop a lot so I wanted you guys to help me with this problem due that I wasnt aware of all those inquiries. 
The companies were XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX and lastly XXXX. 
They were all in the month of XX/XX/2022. 
Now Im my trans union also saying I have 28 hard inquires which is crazy, Ill attach all of them in the pictures, this is so sad for me is not helping me for my future, I just wan na have a good score and be normal. 
Hope you guys can help me
Product: Debt collection

I am being harassed by a 3rd party who bought a debt from XXXX XXXX the company whos harassing me is mcm midland credit management
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am writing to dispute a fraudulent account on my credit report in the amount ( s ) of {$500.00} ( XXXX  and {$820.00} XXXX XXXX XXXX  I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent account and any related finance charges and other charges from my account, send me an updated and accurate statement, and close these accounts. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position and a copy of my credit report showing the fraudulent items related to your company resulting from identity theft. I have already contacted the companies that issued these accounts, and as part of the process, I am reaching out to you kindly asking for these accounts to be removed immediately. Attached is a copy of my Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. Those responsibilities include ceasing to provide inaccurate information to CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.
Product: Debt collection

I had XXXX accounts with the debt collecting agency called BYL collection services I paid the debts in full and the collection pay status was satisfied. I asked the agency that once the accounts are satisfied can they remove the debts off of my credit report due to the fact that these debts are causing hardship to my life I am not able to apply for a loan without high interest rates or if I apply to rent a apartment or open a credit card I receive negative feedback due to a debt that I paid. The agency state they can report the debt as paid and show a ) balance but they will not contact the XXXX credit bureaus to remove from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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 or prepaid card

On the due date of XX/XX/XXXX, XXXX, I paid my balance in full in 2 separate transactions. The 1st transaction was by phone in the amount of {$3500.00} w/ my personal checking account and the 2nd transaction was online in the amount of {$10000.00} w/ my business checking account. I then setup auto pay for future payments ( thinking it would be effective XX/XX/XXXX ). Unbeknownst to me, the auto pay became effective immediately on XX/XX/XXXX and Synchrony Bank withdrew a 3rd payment in the amount of {$12000.00} from my business checking account. Therefore, on XX/XX/XXXX, I paid total of {$25000.00} on a {$13000.00} balance. On XX/XX/XXXX, I tried to make a purchase of approximately {$1000.00} and it was declined. I contacted Synchrony Bank customer service and was told that they put a 5-day hold on my payments and that I could not use my credit card for 5 days despite the fact that I have a credit of {$12000.00} w/ them. This resulted in me losing the purchase that I should have been able to make considering I ALWAYS pay my on time balance in FULL and have been a LONG TIME customer, they refused to remove the 5-day holds from my payments until and unless the payments had cleared, despite the fact that historically I was always allowed to charge on my card after each payment w/o a 5-day on my payment. Both the customer service and supervisor were unprofessional and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Mortgage

We are 2 months behind on my mortgage. We have been making payments but have not been able to catch up on back payments. Have stayed in touch with servicer and let them know we are trying to catch up. 
I recently received a letter saying we were accepted in a forbearance. 
I never asked or applied for a forberence as I did not know what that was. I called the Servicer and asked what a forberence is and I said I did not ask for a forberence. They told me I did. I asked what date that request was made and they gave me a date and I said I never made that call to them asking for a forberence. I asked them about the terms and they said a balloon payment in 3 months. I told them to please remove the forberence that I did not call and ask for one. 
They are trying to trick me into a forberence and are lying. The Servicer is NewRez.
Product: Credit reporting or other personal consumer reports

These are inquiries i do not recognised and I do not have a credit card even from the company
Product: Checking or savings account

I am filing a complaint with the CFPB for Capital Ones failure to deposit my direct deposit from my employer and any other deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY PERSONAL INFORMATION ON MY CONSUMER PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) the credit bureau have filed of the accounts listed on my credit report. The failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} Had no choice but to be admitted because of life or death situation. 

I refused help but was given it anyways Goodwill deletion. 

XXXX XXXX XXXX Goodwill deletion Affected due to Covid-19 as well as the motor went out
Product: Checking or savings account

Pa paperwork with wrong address and and unauthorized amount for {$2200.00} I made XXXX transactions for {$1.00}, XXXX the XXXX XXXX I did not authorize for {$2200.00}. XXXX XXXX from Oasis Financial sent me contracts with wrong address dates and amounts that I did not receive I only borrowed {$3.00}, XXXX XXXX XXXX and XXXX XXXX took XXXX for XXXX I paid off my loans in XXXX months but no one can or had explained how XXXX go up to XXXX in less than a year of the XXXX XXXX XXXX and XXXX XXXX XXXX out of XXXX XXXX XXXX XXXX... Oasis Financial
Product: Credit reporting or other personal consumer reports

R

ecently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature on a statement. 15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft and my identity is out there with someone being used from someone in everything i travel a lot and iam old school i don't even know how to check my credit my wife was checking my credit report and she showed me accounts i don't recognize and been used for a while and this is dangerous i just found aclled my lawyer and he told me that the bureaus and the creditors were supposed to notify me 5 days prior any reporting and i was not notified and this is illegal and against the law as of 15 U.S.CODE 1692g Validation of debts they violated my consumer rights and privacy and harmed me i will take legal actions against the bureaus and the creditors cause no one is giving me signatures or contracts or any proof or evidence so i can protect my self and in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY Information RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. these are the accounts : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX, I ordered a package from XXXX. The package contained two black hoodies totaling {$280.00}. After it was said that the package had been delivered, I waited a couple days before contacting the company on XX/XX/XXXX, summarizing the issue I had going on. The company responded to my issue asking me to contact the courier service ( XXXX ) and file a claim with them regarding the missing package, then they would be able to refund the money. I filed a claim for the package with the tracking number XXXX on XX/XX/XXXX. After months of continuously reaching out to XXXX waiting for an answer, I heard back that the investigation process had concluded and it was found that my package could not be located. Following this, I contacted the company with proof of the claim as well as the conclusion. The company instructed me to file a chargeback with my banking institution, Chase bank. For about a month I had the funds in my account, and thought my issue had been resolved. However, on XX/XX/XXXX, it came to my attention that the bank had reversed the money. After calling multiple times, they explained to me that the chargeback had been denied by the company. I emailed the company again on XX/XX/XXXX to see what had happened with my issue. They explained to me that it was the bank who denied the chargeback. I contacted my bank once again and they told me the opposite of what the company had explained to me. XXXX offered to re-open the investigation, however, I had to continue reaching out to them in order to get an answer. Their final response was that the bank kept denying the chargeback and therefore, they were unable to help me in any way. As a last resort, I contacted the courier once again trying to get more information on the concluded investigation, perhaps a claim number or documentation proving that their investigation came back inconclusive. XXXX was unable to provide me with any sort of documents that could help me build an argument, their reason for this being that the company XXXX, never responded to the claim sent to them by XXXX. XXXX responded by saying that they would attempt to re-send the claim to XXXX, in hopes that they will be able to answer back and therefore continue with this ongoing process. Unfortunately, this is my last option as my account has been over-drafted ever since this issue and no one has been able to give me a solid resolution to my problem.