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

My husband and I purchased a 5th wheel RV thru XXXX XXXX RV in XXXX, VA and financed it with XXXX XXXX XXXX XXXX. When signing our paperwork, we noticed the dealer put the wrong address on the form and we corrected it in the office. Unfortunately the information he turned into the bank contained the wrong information and the statement went to the wrong address. When we didn't receive a statement I contacted XXXX XXXX XXXX to make sure they received our paperwork. After going thru several people since my address did not match my social in their records ( plus I had no account number since we never received a statement ), we made the needed payment, changed the information to the correct address, and were told all delinquency would be taken off the account since we were the ones who came forward to correct the information. One week later it appeared on my husbands and my credit report for being delinquent. When I called the bank I was told they could not remove it and that we would have to file a complaint with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request validation of the debt referenced above. As the account in question is being reported as a collection account on my credit report, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request verification of this debt. 

Please provide me with the following information : 1. The original creditors name and address. 
2. A complete account history, including any charges, payments, or fees that have been added to the account. 
3. Proof that you are legally entitled to collect on this debt, including a copy of the assignment contract or any agreement transferring the debt to your agency. 
4. A copy of the original signed contract or agreement that created this debt. 
5. Verification of the amount claimed, including any interest, fees, or other charges that have been added to the balance. 

According to my records, the details of the account are as follows : Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account, {$6000.00} past due as of XX/XX/XXXX Balance : {$6000.00} Please be advised that you are required to provide this information within 30 days of receiving this letter. If you can not provide adequate proof that this debt is valid and that you have the legal right to collect on it, I respectfully request that you cease all collection efforts and remove this account from my credit report. 

I would appreciate your prompt attention to this matter and expect a response within the 30-day period as specified by the FDCPA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Care credit closed my XXXX  limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores. I am disappointed in the way Care Credit handled the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 181 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 166B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

THE ACCOUNT WAS CLOSED WITH XXXX XXXX AND THEY ACTUALLY OWED ME A CREDIT WHICH WAS AGREED UPON BY XXXX.THEN THEY SHOW AN OUTSTANDING BILL FOR EQUIPMENT NOT RETURNED AND EQUIPMENT WAS RETURNED AND THEY CONTINUED TO BILL FOR 2 MORE MONTHS AND THERE ALREADY NEW XXXX XXXX SERVICE THAT STARTED AY MY ADDRESS WHEN THE OTHER ONE WAS CANCELLED SO YOU CANT HAVE 2 SERVICES RUNNUING AT SAME TIME AND THEY REFUSE TO ANSER ME BACK
Product: Checking or savings account

Im writing to share my frustration about a recent issue with my checking account and the {$300.00} welcome bonus I was promised. 

On XX/XX/XXXX, I visited a Wells Fargo branch to open a checking account. I had a {$300.00} welcome bonus code with me, but since I had recently moved to the XXXX and didnt have my Social Security Number ( SSN ) yet, I asked if that would be a problem. The person helping me assured me that it wouldnt be an issue they said I could open the account without the SSN and that once I provided it later, the {$300.00} bonus would still be applied. Based on that assurance, I went ahead and opened the account. 

On XX/XX/XXXX, I went back to the branch with my SSN to update it and asked about the bonus. Thats when I was told that the bonus could only be applied at the time of opening the account which completely contradicts what I was told earlier. They mentioned that the person who opened the account might not have known the policy, but honestly, thats not acceptable. I feel like I was misled, and now Ive lost out on {$300.00} because of incorrect information from your staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were over 50 Credit Inquiries on my credit report. I wrote to the 3 Credit Bureaus twice to dispute the information and they have refused to comply with my demand to show proof. I also sent letters to all of the companies with dates to send proof and I have not heard anything from the companies in regards to removal.
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 XXXX XXXX Subject : Dispute of Inaccurate Hard Inquiries Information on My Credit Report Dear Consumer Financial Protection Bureau I am writing to formally dispute inaccurate information reported on my credit file, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am contesting the listing of the several hard inquiries on my credit report that I assert I did not give permission. 

Details of Dispute : Disputed Information : Hard Inquiries XXXX XXXX XXXX : Transunion, Equifax, Experian Date of Report : XXXX XXXX I have carefully reviewed my credit report and found that the hard inquiries information listed is inaccurate. I am concerned that this error is adversely affecting my creditworthiness and financial reputation. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the removal of the erroneous hard inquiries record from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX Date Opened : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance Owed : {$610.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I have a collection account on my credit report. Ive been trying to get in contact with the creditor to send over a debt validation which they failed to do so I am contacting numerous of agency that associated to this collector and no one can not provide a debt validation and all the required documents under the debt collection act
Product: Debt collection

On XX/XX/XXXX, I started receiving calls at work from rent recovery solution about a debt from XXXX XXXX XXXX managed by XXXX XXXX. I finally spoke to them and ask them not to call me at work and gave them my phone number, they called me after that and I ask them to send me proof in the mail abouit the debt and they claimed they emailed it to XXXX but my email is XXXX. I made it very clear to them that if i dont receive detailed proof of the charges i will not discuss any payment arrangement. On XX/XX/XXXX, i receive a letter ( see attachement ) fom them finaly thinking it was the detailed list of the charges but no it was just a copy of my lease from the XXXX. The lease only proved i lived there but it does not prove i owe the debt i am being contacted about, i called them again today XX/XX/XXXX and spoke to XXXX XXXX and told her what i received in the mail only for her to tell me they sent correspondence to the above wrong email which i never got of course and said she will send me one via the post office then told me she was hanging uop on me so i called back and I asked to speak to a supervisor and one XXXX came on the phone and was very rude and told me they are not sending anything else and that she will mark my account as disputed. She also kept on insisting that i just confirmed i received the proof from them and i was very clear that i only received a copy of my mail and a cover letter stating the amount of the debt but nothing that actually tells me what iam being charged for. I am attaching the only mail i received from this compay. All i am asking is that they follow fair debt collection practices. They have already placed this debt on my credit while they have not verified it.
Product: Credit card

LATE FEE was assessed even though Chase made it impossible to make the payment online by purposedly blockign access to my account. Although there may be times when making a payment online is not possible, such as their own internal outage or server issues, this account was blocked apparently on purpose so that the fee would be assessed immediately. The actual payment had to be - and was - made the next day, after access to the Chase website was secured. The company stated that other means to make the payment were available, e.g., phone, I, however, had no access to the phone on the evening the payment was due. Chase has refused to credit the late fee despite being responsible for the issue.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I don't understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, acct. no.XXXX  is wrongfully appearing on my XXXX   TRANSUNION AND XXXX  credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX., acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent EXPERIAN a certified letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded online - even though I had sent them a certified letter - that " The company that reported the information has certified to Experian that the information is accurate. '' The company they are referring to - per their website- is XXXX. I then went directly to XXXX to dispute this item. They could not verify this item so they deleted it from their data base and my credit file. I then sent EXPERIAN another certified letter on XX/XX/XXXX which they received on XX/XX/XXXX showing them proof that XXXX ( see attached documents ) had removed the unverified bankruptcy and informing them that if they could not reveal how they verified this item, then it must be removed from my credit report according to the FCRA. 

This unverified item needs to be removed from my credit report immediately as it is causing me financial hardship and impeding my ability to purchase a home.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates 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 XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> 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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX are all guilty of the infractions below. 

- Account information incorrect - Account status incorrect - Personal information incorrect - Public record information inaccurate - Old information reappears or never goes away Under 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her privacy.

TransUnion, Equifax and Experian are guilty of the infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) TransUnion, XXXX and XXXX did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report.
Product: Credit reporting or other personal consumer reports

Equifax is not in XXXX XXXX compliance and is reporting inaccurate reporting which is affecting my livelihood. The account isnt mine and was never notified nor did i give my consent to furinish anything on my credit report. 15 USC 1681 Permissible purpose, 15 USC 168e ( b ) COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I will go to arbitration if this matter is not handled. I want my {$1000.00} or you will incur more fees as litigation takes place.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts below, have violated my rights. 15 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 an account without my written instructions. 

Accounts are below : XXXX XXXX : XXXX Amount {$94.00} XXXX  XXXX Acct # : XXXX Amount {$2400.00} XXXX XXXX Acct # : XXXX Amount {$2300.00} XXXX XXXX Acct # : XXXX Amount {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I have attached report showing the accounts and inquiries that are inaccurate. I have contacted Equifax on multiple occasions, yet Equifax has not removed the fraudulent information.
Product: Checking or savings account

A father claim with TD Bank I made a deposit for {$1000.00} only a dollar clear from this deposit the ATM after me the deposit shut down I was not provided with a receipt I filed two claims they were both denied. These are the claim numbers : XXXX XXXX I want my money back.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX