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

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA XXXX U.S. CXXXX XXXXXXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( 2 ) XXXX XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( 1 ) ( A ) USC XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company took more than 30 days to respond to my dispute letter when it was received. Under the FCRA 609/611 They are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. They are required to do this under the FCRA 609/611 provisions. I demand the disputed accounts to be deleted. 

Disputed letters : Date received XX/XX/22 Date replied XX/XX/22
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, Pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request verification of the accounts listed below. These accounts do not belong to me, and unless you can provide verifiable proof, they must be removed immediately. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : I am requesting full verification of these accounts, including the original account applications bearing my signature. Under 15 U.S. Code 1681g, if you can not provide this documentation, the accounts must be permanently deleted from my credit report.

FCRA Section 611 Request : According to 15 U.S. Code 1681i, you are required to conduct a reinvestigation of these accounts within 30 days. If you can not verify their accuracy, they must be removed immediately. 

I expect a written response within 30 days. If this dispute is not resolved, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary.
Product: Debt collection

XXXX XXXX  ACCOUNT WAS OPENED DUE TO FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 
ACCOUNT BALANCE OF {$2600.00} IN INACCURATE AND I REQUEST THE WET SIGNATURE TO SEE HOW THIS FRAUD ACCOUNT WAS ABLE TO OPEN WITHOUT MY KNOWLEDGE. 
DELETE THIS FRAUDACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries at once I did not authorize them to process these. Thank you
Product: Vehicle loan or lease

My loaned was transferred  XXXX   XXXX ,  XXXX  from the original lender. On  XXXX   XXXX ,  XXXX  I went down to the dealership after receiving calls of late payments. I showed them paperwork showing the last car payment was  XXXX   XXXX ,  XXXX . More calls later, I went to the dealership on  XXXX   XXXX . I showed the lady my contract, she agreed with me that the vehicle should be paid off. She called the current lender to explain my side. They said they would get back to me. They called wanting more payments equaling {$900.00}. The last day for payment would be  XXXX   XXXX .     The original lender is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO. The loan transferred  to American Credit Acceptance   XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX   XXXX .
Product: Debt collection

On XX/XX/XXXX  TrueAccord Debt Collector sent me an email, stating they are trying to collect {$100.00} from me on an account that I was never on. The account that they emailed me to collect on was my boyfriends account that has a XXXX balance. The XXXX balance for this account has been confirmed with XXXX, ( XXXX XXXX ). 
This account was opened by my boyfriend before I knew him. XXXX  had an issue stating the equipment was not returned when he moved. We have the receipt from XXXX  store showing the equipment returned before we moved. Once XXXX  was given the receipt information, they resolved their dispute, and stated XXXX store was at fault. XXXX  shows a XXXX balance for this account. It has been over a year since we moved. 
I wrote TrueAccord a responding email with this information above, and uploaded a letter from XXXX stating the issue for the account in collections has been resolved. TrueAccord wrote back that the investigation is ongoing. That they will resume collection from me and would like my E-Sign Terms signature to validate documentation to email. I did not sign TrueAccords documentation because their collection is fraudulent. I wrote back requesting that they remove me from their system and to send me an email letter to confirm that I have been removed from their collections. I have not heard back.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 billi
ng 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In 2023, I was scheduled to move into an apartment but was not permitted to view the unit until the designated move-in date. Upon my first visit, I was dismayed to find the apartment in unacceptable condition, with visible mold, unsanitary features such as XXXX in the toilet, a XXXX  smell of cigarettes, and a dirty stove. Given the state of the apartment, I made the decision to cancel my move-in plans and promptly informed the property management of my decision. The management team expressed their apologies for the situation and returned my money order, which I subsequently deposited back into my account. Despite this resolution, I have faced ongoing disputes with the property management regarding charges related to the apartment, totaling {$13000.00}, despite never having moved in. This situation has significantly impacted my credit score, causing considerable distress. I believe these charges are unjust, and I am seeking assistance to rectify this matter. I'm also going to attach my current lease agreement i have now where i am actually living. I moved here XXXX XXXX.
Product: Mortgage

section 1026.36 ( c ) ( 3 ) XX/XX/2022 requested payoff from mortgage servicer XX/XX/2022 received payoff quote - escrow/impound advance amount listed as {$2500.00} previous payoff quotes dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 reflects amounts different from monthly mortgage statements XX/XX/2022 mortgage statement does not reflect {$2500.00} XXXX XXXX XXXX sent response asking for clarification of the advance amt. on payoff quote for XXXX XXXX XXXX ; why is the amount different from XXXX XXXX XXXX ; no escrow advances listed on customer transaction history as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX reopened my closed account that was showing on my credit report closed for 3 years but for some odd reason its been opened back up and reported late and charge off in remarks. I disputed the in accuracy of this account to XXXX and this is what they do they reopen and put bad remarks on my credit bureau. This is a fraudulent act by this company and needs to be dealt with so they can not do this to nobody else. By them doing this it has brought my credit score down 53 to 60 points. I would like for you to delete this company with the credit bureaus it has been reporting on my bureaus for 4 years and 10 months and I'm tired of it I do not owe them any money I gave them their vehicle back in XX/XX/XXXX because it was no good and they stick me with the balance after they sold the car please help me with this company as they are putting false information on my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit card

My cc account was closed I did not know it I had charges coming through they emailed me and said your account is closed. I made a XXXX XXXX payment to cover the purchases and they took the payment but they won't process the charge my min payment is XXXX dollars i am being forced to pay it off not over time as the agreement states. 
I asked for a refund they wont give me one.
Product: Debt collection

XXXX XXXX XXXX are damaging my credit by using fraudulent documents with a copied signature and typed-in date. Despite settling and closing my account with Speedy Cash in XXXX, they are now illegally reapplying a negative post in XXXX as an updated contract.
Product: Credit reporting or other personal consumer reports

For many years I have been trying to build my credit, and due to unfair reporting from Transunion and creditors, I have not been able to do so. Transunion also had my account locked for many years without my acknowlegement until this year after finding out. I keep having to dispute inaccurate loan amounts, addresses, and including the spelling of my name and etc. Transunion also kept inquiries on my account for many years that should have been removed.Within the last month I had applied for 2 rental properties that do tenant screening through Transunion. I was denied because of low resident score. From XXXX XXXX XXXX it dropped to XXXX from XXXX. I called both Transunion Call Center, and their rental XXXX XXXX XXXX and I was not given a good answer as to why it dropped so fast. I been renting for many years, and has not had any judements, leins, or etc against me.I do not have many deliquent accounts. I been having to dispute for months regarding XXXX XXXX XXXX XXXX reporting inaccurate loan amount due. Transunion would investigate and conclude that its update, even after I told them amounts paid. I have attached proof of payments at the bottom. THis is not the only one. XXXX XXXX XXXX XXXX who is own by XXXX XXXX XXXX has been doing the same as well.
Product: Debt collection

Hello My name is XXXX XXXX we are trying to get a lien satisfaction letter from XXXX XXXX XXXX on our property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX we have the title but the deed keeps coming up with a lien on for XXXX XXXX XXXX XXXXXXXX is the trustee but they say they dont keep records which I thought by CA law trustees were liable to keep records, very little communication from XXXX XXXX XXXX  XXXX The info for XXXXXXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their phone # XXXX and XXXX our condo is siting in escrow with them going on 2 months now, escrow officer is XXXX XXXX. The date recorded was XXXX XXXX Doc # XXXX we are confident the lien has been satisfied or the property would of been put into foreclosure, thats why we feel the trustee XXXX XXXX  should have the records and should be responsible and they are no help at all thats why I find it important to file a complaint for some help, we have a buyer we are trying to keep.please dont hesitate to let me know if you need more info I would be glad to supply if I have it.
Product: Credit card or prepaid card

I disputed a charge on my CapitalOne credit card, because I receive damaged goods from XXXX. Merchant was XXXX. Capital one - first, give me money back, but about 3 days ago they reverse this money without any notice. Terrible customer service .... lazy dispute team
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account, I have never legally consent for this account to hav my information, this account is fraud and I want this off my credit asap
Product: Debt collection

in XXXX, I sent a debt validation request to Spring Oaks Capital LLC for a {$700.00} debt they reported. I requested proof of their legal right to collect, a detailed account history showing how the balance was calculated, and a signed agreement verifying my obligation to repay. Their response included account statements but did not provide sufficient validation, such as documentation proving the transfer of ownership or a signed agreement. I believe their failure to provide complete validation violates the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

Account does not belong to me SS and Id are not mine. Did not live in area at the time.
Product: Checking or savings account

In XXXX I opened up another account for my daughter. She is a minor and we only wanted to use the account for her allowances. When we signed up they told me we need to use direct deposit to avoid the service fees or have {$1500.00} or more on the account. We have been using direct deposit. But in XXXX they charged us with service fees and I went to one of the branches and asked why I am being charged with a service fees. They told me that I did not have {$1500.00} or more in the account. So I told them we did direct deposit to avoid the fees. And that my daughter is a minor and she is under my name as a joint account and I have more than {$1500.00} or more in my account. They said it works separately. Thankfully they refunded the service fees. And then I went and put more money in my daughters account from my account to have {$1500.00} or more. They still charged us again. I went and asked why am I being charged now. They told me that there was a period of time when there was not enough money in the account that exceeded {$1500.00}. And to avoid the service fees I have to do a direct deposit of {$250.00} or more which they never told me. I asked them when I was signing up a out the amount of direct deposit and they told me ANY AMOUNT. But now they changed there words and now all of the sudden asking for {$250.00} or more direct deposit a month. Its a minor account for allowances. I am getting frustrated by them changing words every time I go in there. It does not say it in the papers either. And when I was there trying explain they lady there did not listen and she just cut off and talking and she kept saying her things.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 public records from XXXX XXXX XXXX reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with XXXX and XXXX XXXX to update these items has paid. Please remove these public records from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I received notice that Select Portfolio Servicing, Inc. reported a " major derogatory '' event ( 90 days past due ) to Experian regarding my mortgage account # XXXX. This is inaccurate and damaging. I was in a formal trial mortgage modification plan and have made all payments as agreed. I also submitted a fully executed permanent modification agreement via legal counsel and made a post-trial payment. SPS has no legal basis to report this account as delinquent under the Fair Credit Reporting Act ( FCRA ) and Regulation X of RESPA, which prohibits adverse reporting when a borrower is performing under a trial or permanent modification. I have sent SPS a Notice of Error and dispute. I am requesting CFPB assistance in compelling SPS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection company has recently placed a collection on my credit report. They sent me an itemized list of my minor childs medical procedures from 6 1/2 years ago stating that money was owed on a medical debt. The letter did not include a HIPPA release form nor was authorization given to share my childs medical records. This is a clear violation of HIPPA laws because they did not produce a HIPAA release form so how did they receive my minor childs health records??? My HIPAA rights were violated and I demand the deletion of this debt immediately or I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are currently still reporting an account from XXXX XXXX XXXX that the company itself has said to be deleted as the account was inaccurate. 

In XXXX of 2021 my husband and I sent a joint validation letter to XXXX XXXX XXXX in regards to an entry listed on my credit report. XXXX responded that they were not collecting on this account and the account had been sold to a collection agency, XXXX XXXX. I then sent a copy of this letter to all 3 major credit bureaus and was deleted from just XXXX on my credit profile and XXXX  and Equifax on my husbands credit profile. 

Later in XXXX of 2021 we sent a validation letter straight to XXXX XXXX requesting a proper validation for this account. We received two letters dated just a day apart stating that XXXX did not have knowledge of this account and the other stated that they were ceasing collection on this account. 

Each month I have sent copies of these letters to XXXX and Equifax requesting deletion of this account but it is still listed. I would like to have this account removed as it is causing serious harm to my credit file.
Product: Checking or savings account

The  Wells Fargo   XXXX   XXXX  branch  in   XXXX   XXXX  , New Jerse y permitted an unauthorized individual to open an account in lat e  XX/XX/XXXX  or early    XXXX   XXXX   XXXX  . The individu al stole a business check which had been issued by a vendor of the business to the business. That check was used to open the account. The bank never requested any documentation ( resolution or other documentation ) to su bstantiate that the individual had authority to act on behalf of the business. The bank branch employees permitted the individaul to withdraw the entire {$9000.00} sum from the account. The business was deprived of its monies.   
Efforts to resolve the matter with Wells Fargo have   been fruitless and the attorney 's letter ignored.