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

I received a call from XXXX XXXX and XXXX Credit card companies. They both said that they had not received a payment. I thought that it was odd, since both we on auto bill pay. I looked into my accounts, and XXXX XXXX had been " paid '' but the auto bill pay for XXXX XXXX was gone. I called XXXX, and determined that the auto bill pay had been deleted for XXXX the same day that " XXXX XXXX '' had been paid. I noticed that the amount was different than normal. So I called XXXX XXXX and they confirmed that the payment was not made to them. I then called XXXX XXXX and reported the charge as fraud and the money was refunded to me. XXXX confirmed that my account must have been hacked and that I needed to change my user name and password and if the charges continued, then I would need to change my account number. I had the payments all set up, like I have for years, so I requested that the charges be removed as late from my credit as I immediately set up payment, but my account being hacked and fraudulently payments had been made in the company 's names. XXXX advised me that it was not their issue and to file a complaint with the credit bureau if I felt it was an issue. I was told " Good Luck '' with getting anything removed as someone hacking my account was not taken into consideration.
Product: Credit card

I am disputing some items that need to be deleted. I have highlighted the disputed item on the attached copy. The reasons why these items should be deleted are indicated below : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CAPITAL ONE ACCOUNT NUMBER : XXXX Reason for deletion : Reporting late payment. However, the account has never been late. Investigate and remove ALL late payment history. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days.
Product: Credit card

I purchased a XXXX XXXX camera model XXXX on XXXX from Best Buy Inc. mobile application. I paid XXXX for the device. This item was a holiday purchase for my daughter who travels in and out of state for XXXX. She informed me after set-up and installation via the manual, the item did not operate properly. Being that she's 2 hours away at XXXX at the time ( XX/XX/XXXX ) I had no way to instantly retrieve the device and take it back to the store for return or troubleshooting right away. I asked her to take it to a local Best Buy store but due to the nature of her busy schedule she wasn't able to complete the task. Secondly by then the return period for the device had passed and the purchase is under my name and Best Buy credit card account. While she visited home for XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I was able to get the device and visit the best buy location where the device was picked up from. I was told by a store manager upon review that the device was outside of a return period and because a warranty was not purchased at the time of purchase there's nothing that could be done regarding the defective XXXX XXXX XXXX From what I processed upon troubleshooting the device myself, the ( SD ) storage card that's inserted into the device to capture and record footage will not format thus making the dash cam functionality inoperable. I tried to correct/fix the issues for some time before realizing this device is defective. Once I realized the outcome I decided to contact Best Buy customer support and see what I could do about this purchase. I was told by customer support that I could file a dispute for the purchase so I did. After submitting the dispute with all documentation I waited to hear back from Best Buy. The dispute teams response was sent to my Best Buy online account portal. Best Buy claimed in their dispute decision which was a denial that I had failed to send them documentation for proof of purchase for the dash cam, which made no sense to me at all being that not only was it purchased thru my Best Buy store account credit card I provided that information in the dispute application originally. Lastly Best Buy Inc. did not nor did I receive any messages from them asking for any proof documentation or a receipt of purchase. I was told when contacting support that the dispute could not be reopened because it had been closed. This is not the first defective XXXX electronic device I've purchased from Best Buy Inc. and if you search form on the device I'm currently filing a complaint about its popular for being defective out the box and has had recalls in some consumer stores. The order number for this digita purchase is XXXXXXXX XXXX XXXX XXXX for the product is XXXX and it was purchased with my Best Buy Inc. consumer card ending in XXXX on XXXX XXXX, XXXX. The application thats is suppose to assist with the functionality of the dash cam is glitchy and faulty as well. Overall a poor, defective device across the board.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Apple Card, XXXX is reporting credit score/credit history from 6+ months ago. When I log on to XXXX account, I am unable to get a copy of full credit and in order to see my credit score on XXXX, it prompts me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Mortgage

I have had my loan for almost 3 years now and never got a 30 day late credit reporting. In fact, prior to my loan being transferred from XXXX XXXX XXXX, I never made a late payment. Since Pennymac acquired my loan, I have not had my payments applied properly and on time. On XXXX XXXX, 2015, I made a payment for my loan account. I mailed a second payment days later. I received information today that my loan was 48 days past due which has never happened prior to Pennymac acquiring my account. Please note I did not receive any statements regarding my loan account until today. Today, I called to make a payment over the telephone. The representative indicated that my loan was late and past due 48 days and 30 day late was applied to my credit report. My credit is very good and I have never made a late mortgage, car, and or credit card payment. Most important, when my loan was service transferred I was informed by a PennyMac representative that negative reporting does not occur until a loan is 60 days past due. Which was not true and deceiving and violated RESPA, Reg X, ECOA, and UDAAP. I requested of the representatives to have the calls pulled regarding my account, and I disputed the negative credit reporting. The CFPB needs to investigate this company as their practices are violating RESPA, Reg X, ECOA, and UDAAP. Pennymac did not apply the payment I mailed in and their representatives gave me false information regarding my loan account. I am appauled that this company can get away with this. PLEASE HELP, MY CREDIT IS BEING RUINED. I am requesting that the 30 day late be removed from my credit report as I mailed that payment and was initially given inaccurate information from a PENNY MAC representative
Product: Bank account or service

My wife and i went to Bank of America on Saturday durring regular business hours and they refused to close my accounts because i didnt have an appointment. There were tellers available and no reason for this to not be done aside from their desire to collect fees. The manager and teller were extremely rude about this. Managers name is XXXX XXXX and had an appalling attitude and disgusting service level.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I called, everyday its a new inquiry on my account.
Product: Checking or savings account

In XX/XX/year> I received a text message with photos of my passport and social security card from someone who stole my identity. I filed a police report and went through my accounts and discovered from XX/XX/year> onward that there were many fraudulent XXXX XXXX transactions taking from my Satander account. I contacted cash app and they locked me out of my account. I've contacted Satander numerous times and was first asked to provide a police report, which I did. They denied the claim because XXXX XXXX was able to verify my information ( it was fraud not a disputed error transaction!?! ). I was asked to provide proof I put a fraud alert on my credit reports, which I had done in XXXX The dispute was filed incorrectly, including items not disputed and now tell me that there are inconsistenties between the info provided and my account statement ( only because they created said inconsistenties ). Each time they put up a hoop I provided the information and then it's denied. I am attaching the information provided to Satander and the amounts in dispute.
Product: Vehicle loan or lease

In XX/XX/XXXX I have contacted TD Auto Finance regarding extended hardship program due to Covid 19 and I was granted 2 months of extended payments for the month of XXXX andXX/XX/XXXX. On, XX/XX/2020 I've contacted TD Auto Finance spoken with an agent and explained that I am still experiencing hardship and I am requesting more time to make payments. The agent granted and approved 2 additional more months payment extension due to hardship for the months of XXXX and XXXX. I had specifically asked the representative was I approved and she replied " yes ''! Representative informed me the next payment will be due in XX/XX/XXXX. However, in the first week of XX/XX/XXXX I began to received phone calls from TD Auto Finance stating my payments are late and have been assessed late charges. After several attempts of calling TD Finance and spoken with an agents I was informed the agent that granted me the two additional extension for the month of XXXX and XXXX was done in an error. According to the agents, the company are only allowed to grant only 3 months extension in total. On XX/XX/2020 I have spoken with a supervisor ( XXXX ) at TD Auto Finance, she informed me that the company only grants 3 months for hardship and it was created in an error. Supervisor stated she was able to approved hardship extension for XXXX and XXXX payment must be paid.
Product: Checking or savings account

I had my daughter, XXXX XXXX, pay for a floral arrangement from XXXX  XXXX XXXX to have sent to a funeral service. XXXX  XXXX XXXX could not fulfill my order and called to tell me they canceled the order and that because the payment was still pending that my money should be credited back to my account. The order was voided but still went through so I opened a dispute to Chime. Chime opened a dispute and I provided the information and a form from the merchant, XXXX  XXXX XXXX, that shows that the merchant voided my order and canceled the transaction. The merchant said that they dont have any funds from my order but Chime is saying that the merchant received the funds. The merchant even called Chime to tell them that they did not fulfill the transaction and Chime ultimately denied my dispute and refuses to return my {$150.00} to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. The following account was a Charge-off. Balance should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff transunion XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed as conserve for roughly XXXX XXXXXXXX XXXX has been negatively impacting me without proper validation and or proof, regardless of the fact it is being reported incorrectly. I have stated the laws that are being violated in my initial contact with the credit bureaus and how theyre allowing this to be reported on my credit without my exclusive consent or proof of any correspondence with me and said lender. I attached a copy of my credit report with my letters to the bureaus indicating all inaccuracies. The letter included all my rights that were violated as well as where the bureaus had missteps in my reporting. With the response of the account being updated and validated without proof, the only step is to remove it from my report seeing as though this is false information
Product: Credit reporting or other personal consumer reports

I mailed in several letters requesting verifiable proof of accounts, and to have information deleted from my credit report, the company did not respond. Also that under FCRA Section 609 ( a ) ( 1 ) ( A ) ,15 US CODE 1681E ( b ) & 15 US CODE 1681i ( 5 ) that they are required by law to verify through physical verification of the original signed consumer contract any and all accounts that they post on a credit report, to removal all non-account holdings inquires over 30 days old, and to add promotional suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, my name is XXXX XXXX, and I have a problem with the mortgage company and Experian, I file a dispute about my mortgage company, my old company sold my mortgage to a XXXX party, and I have been in my house for over ten years now and have never been late until now, my old mortgage company didn't transfer all the information about the auto payment, and nobody told me about the late payment, they never set up my auto pay once they transfer the mortgage, please can someone help me I already disputed the account and the scored with the credit company but they have not done anything as of yet, I need them to fix my credit score, I spoke to the mortgage company and they said that they were going to fix my credit, I have already paid the balance and still the company has not fixed my credit report. I need help with this matter Experian the credit company has not done anything to fix my credit, my credit score has gone down XXXX points and they for some reason don't restore my credit as of yet... 

please can someone help me with this, I would really appreciated it. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX multiple times by letter trying to settle this debt and have received no response. In the meantime they are continuing to report this account as closed/delinquent on my credit.
Product: Credit reporting or other personal consumer reports

This dispute is against XXXX XXXX. A few years back, approximately XXXX or XXXX, charter communications opened a dispute stating I had not returned equipment a total of {$120.00}. However, I was able to go in person and resolve this issue so this was removed From my credit report. XXXX years or XXXX years later, they are making an attempt to try to collect {$120.00} again, even though we had already resolved this and proven that I had indeed already returned to the equipment. Since they have reported this, it is reflecting that my credit score dropped XXXX points. My credit history is almost exceptional. So you could imagine just how much this has affected my credit. I am currently in the process of wanting to buy a home, but with this happening, it will now be almost impossible for me to do so. It has become a very stressful situation because charter communication is not listening stating that I need to pay the money or they will leave it on the report. I am very frustrated and would like to take this further so that you guys can look into this and realize there is a history where they tried to do this once already and they removed it themselves after I proved it had been returned.
Product: Credit reporting or other personal consumer reports

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.

NAVY FCU : 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  has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report 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 is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXX SC XXXX Subject : Cease and Desist Notification Regarding Debt Collection Activities To Whom It May Concern : This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, that I request you immediately cease and desist all communication with me concerning the alleged debt you claim I owe. This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Be advised that : I dispute the validity of the debt in question : I am not acknowledging the validity or ownership of the alleged debt claimed by your organization. Please provide any and all documentation proving the validity and ownership of this debt should you intend to take further legal steps. 

Stop contacting me at my place of residence or through any means : I revoke any prior consent that may have been given regarding communication.

Legal Action Warning : If you fail to comply with this request and continue to contact me, I will report your actions to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I will also explore my right to pursue legal remedies, including claims for damages and legal fees, as outlined under the FDCPA. 

This cease-and-desist notice does not constitute an admission of liability for any debt and should not be construed as such. Furthermore, any future communication related to this matter must be submitted in writing to the address provided above. 

Please note that your failure to comply with this request will result in formal complaints being filed against your company with the appropriate regulatory agencies. I expect written confirmation of your compliance with this cease-and-desist request within 10 business days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Debt collection

A third-party debt collection agency known as Commonwealth Financial Systems , Inc., has recently contacted me in writing XXXX and alleged a {$810.00} medical debt as due. I dispute the debt. I do n't owe the debt, and all of my medical costs have already been paid by the Department of Veterans, XXXX office. 

I contacted Commonwealth Financial in writing XXXX by XXXX and XXXX. My written correspondence to Commonwealth was first on XXXX XXXX, 2015, and my XXXX on XXXX XXXX, 2015. I dispute the billing because all of my medical costs have already been paid by the Department of Veterans Affairs ( VA ) to the original creditor -- XXXX XXXX XXXX XXXX located in XXXX, WI. 

I wanted Commonwealth to validate the debt, but Commonwealth is either unwilling or unable to validate the alleged debt. Worse, the collection agency, Commonwealth, mistakenly entered an adverse collections account information into my XXXX credit report about this unvalidated alleged debt. Equally important, Commonwealth entered the adverse information on XXXX XXXX XXXX, which infers there are XXXX alleged debts for the very same amount to the same creditor, instead of XXXX alleged debt. A duplicate-entry error by either Commonwealth or XXXX. 

I 've initiated an on-line dispute with XXXX a few days ago, and called attention to the XXXX adverse records which are precisely XXXX and the same. XXXX has not concluded their own investigation, because it was only recently submitted by me.