23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under Texas Finance Code 392.202 for debt validation I have had my rights as a Texas consumer violated and ignored. I sent State Collection Services a debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company XXXX letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in XXXX ways. XXXX, for ignoring my request, and XXXX, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus ( XXXX, XXXX and XXXX ). There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by State Collection Services and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. Thank you
Product: Money transfer, virtual currency, or money service

I was in contact with Equitable Acceptance about cancelling my contract with them. I also asked for a refund of the {$650.00} that i put into this business for them putting my school loan on hold for a year. Thats something i could did on my own for free, my school loan is still the same balance and i want a full refund of the money i put into this company. I was told i can take this to the states attorney which i do not want to do because it shouldnt take that. But Ive waited for two weeks for a response and havent got one.  When i call the company they say they have no file with me anymore its through XXXX XXXX. Which Im not contracted with them either. I paid Equitable Acceptance, so equitable acceptance should be refunding my money. I could use that money and actually apply it towards my school loan, since thats what i was told it would wipe away my loan.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a loan as delinquent ( seriously delinquent of more than 120 days ) from the pandemic pause period. As a XXXX  worker with federal student loans, I followed studentaid.gov and watched that there was no action needed to pause loan payments. I have previously disputed the errors XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX along with a few other dates, they updated some months as current but not all. 
I called XXXX and was on hold for over 2.5 hours. When I got an agent they told me that loan was brand new to them in XXXX. Then said o wait no its not. Then said yes it was covered then no it wasn't. They told me they would get me to the department I needed to further discuss this issue. Then she came back on the phone and told me she talked to them and the report would stand. I said no I would like to speak to them. They were already told potentially erroneous information by the XXXX agent. 
Frankly I am not wanting XXXX to even service my loans, I don't feel I can trust them. 

I want the 4 late payments on my credit report removed, as a XXXX  worker in the global pandemic, I am not sure how working 80 hours per week, and catching XXXX  and being down and out form XXXX to XXXX and then returning to work is an offense to have 4 late payment notifications when we weren't supposed to owe during the pandemic.
Product: Credit reporting or other personal consumer reports

Transunion is violating my consumer rights under the Fair Credit Reporting Act, by allowing inaccurate/invalidated items on consumer file, and refusing to do an accurate investigation of into negative items. I want all unverified/inaccurate items remove from my consumer file asap.
Product: Debt collection

This is regarding CONN CREDIT CORP Account No. XXXX listed in my Credit File with XXXX. XXXX XXXX XXXX is attempting to collect a debt on merchandise ( Electrolux Washer & Dryer ) returned next day after delivery. Therefore, this debt should have been cancelled null & voided. I have sent numerous certified letters to dispute this debt that came into light some six years later! XXXX XXXX XXXX delivered the said W/D that was on the Showroom Floor, not as a brand new " still in the box '' merchandise and then tried to commit fraud because the said merchandise was discontinued by Conn 's and was no longer carried into its ' inventory!
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX Central Portfolio Control purchased an old debt from XXXX Bank and is confirming the debt without sending any paperwork. They are using the date the debt was purchased at the origination date of the credit card opened date - inaccurate. Every time I ask for debt validation XXXX snd XXXX XXXX the debt. 
The balance is incorrect and are reporting as a collection monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute last year in XXXX. XX/XX/XXXX to be exact and I haven't received anything back from the bureaus yet. According to law you have 30 days to complete an investigation and it's been well over 30 days and the incorrect items on my credit report still remain. They should be removed immediately. Am I being taken advantage of? I feel like I am. Again, section 611 a states that a failure to investigate those incorrect items within 30 days is a reason to remove them so with that being said I demand you the accounts disputed be deleted immediately or I will be filing litigation due to the stress you've caused me.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a new car ; therefore, I have reached out to the credit bureaus, asking them to verify these accounts. I also asked if they can do an investigation on everything on my credit report. After doing there investigation they stated that and they did. The major credit bureaus stated that everything was reporting correctly which was not the case, therefore, I would like to know what method was used to verify my account because there are a lot of inconsistences with reporting dates, and dates which accounts were open on my credit report. How is this information accurate if its showing differently on my credit reports, shouldn't it be the same across the board? I was advised that my credit report show be accurate across the board and should not have any discrepancies, and there are several in my case. 

As a consumer ; I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 168i ( 7 ) method of verification -description of reinvestigation procedure.

According to the Fair Credit Act, 1. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX have violated my rights. 
XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) theses accounts are in violation of not reporting 100 % accurate.
Product: Vehicle loan or lease

We have a vehicle loan with Chrysler capital. Over this loan we have paid each year over the amount. We requested a audit. They are not doing it or questions they have no answer but still {$2500.00} payoff amount. We are requesting investigation of this loan account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. E-mail is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had talked to XXXX XXXX Equifax about this scenario that I lost my information the stuff that they had from XXXX until now it was charged off written off it took it on amongst themselves to reopen everything that's supposed to been written off charged off I I had installment loans that was not mines I told them about it they still ignore me my credit score was a XXXX a XXXX and a XXXX now all of a sudden is wishy-washy now I can't get back on the app with XXXX XXXX and Equifax all three credit repairs is showing the same thing every time I dispute XXXX the other XXXX got the same thing so I feel like this it's fraudulent I dispute it ever since from XXXX till now in accuracy only thing that's supposed to be on there is XXXX XXXX nothing else and I sent proof to them about the scenario and they still go with what they want to go with ignoring what I say so by them keep opening like I just open them I think that's kind of fraudulent without my knowledge every time I dispute something after 30 days they put it back up there on my credit report I guess they got to keep opening to make money this is my second complaint you can look at the first complaint and take the information off of there put it with this XXXX it's the same accounts that's on the first XXXX is the same accounts they keep reopening ever since XXXX and here it is XXXX and they locked me out of my account where I can't get back in on the app and XXXX holes XXXX and Equifax on the app they trying to make me pay but I've been getting it free all this time I still can't get in
Product: Debt collection

XXXX creditor failed to acknowledge by proof of documentation that debt was paid for even tho a letter was provided, XXXX. Experian failed to report a credit that had been reporting to them on my bureau, i was told by rep that it would be fixed in XXXX day. the credit card XXXX XXXX XXXX told me they have been reporting debt for the last XXXX months Experian has faile to report this creditor and i gave them the transaction number and they failed to update info
Product: Payday loan, title loan, personal loan, or advance loan

I took a personal loan from American Express. I made additional payments and specified " principal only '' payments. Therefore, just as is the case with my mortgage, the principal should correspondingly reduce by the amount paid to only the principal. However, AMEX failed to apply the funds to only the principal and instead took the funds as an early payment. Having taken the principal only payment as an early payment, they then failed to take out the scheduled monthly auto-payment. The Amex representative has stated they charge interest at the beginning of the month and not on a per diem basis. The monthly interest takes effect as soon as a payment is made ; the loan is then charged interest for the subsequent month. Therefore, it seems that other than paying off the loan in full, there's no way to pay off the loan for less than the total cost, even though AMEX states there is no pre-payment penalty. The penalty is paying the interest regardless of how soon the loan is paid off. That is a penalty. A principal only payment should be a principal only payment. A monthly auto-payment should not change/ be affected just because an additional payment is made prior to the payment due date. Then, instead of applying the auto-payment on the date it should have deducted, AMEX insists the payment can not be entered retroactively.
Product: Debt collection

Portfolio Recovery, I never received anything of a debt validation by mail. You reported this debt to the credit bureaus anyways damaging my credit. I request you send this debt back to the original creditor and immediate deletion of all reporting to the credit bureaus immediately. FCRA has strict guidelines on how a debt is supposed to be properly served and then reported on a consumer. This procedure has been violated.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing issue regarding several charge-off accounts listed on my credit report. These accounts contain incorrect balances, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

It is imperative to note that these inaccuracies not only affect my financial standing but also undermine the integrity and reliability of your organization 's reporting processes. As a responsible consumer, I take great care to ensure the accuracy of my financial records, and the presence of these erroneous balances is both concerning and unacceptable. 

I urge you to take immediate action to rectify this matter. Specifically, I request the following : Swift removal of the charge-off accounts with incorrect balances from my records. 
Correction of the balances associated with these accounts to accurately reflect the true status of each account. 
Notification to the relevant credit bureaus and agencies to update my credit report accordingly. 
Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the status of my request and any steps taken to address the issue. 

Failure to address this complaint in a timely and satisfactory manner will leave me with no choice but to escalate this matter to higher authorities and explore legal options to protect my rights as a consumer. With this, I am asking for your assistance to remove or fraud items in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I'd like to address the inaccuracies on my Credit Report. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. 

Bankruptcy XXXX XXXXXXXXdischarged Filed Date XX/XX/2012 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The have sent multiple letters to the credit reporting bureaus ( XXXX, XXXX and Experian ) about the errors and inaccurate reporting of the account such as date of last payment, date of when the account was established, as well as other information not reporting accurately across the three credit bureaus. I have reached to the creditor and collections agencies where they have failed to provide a proper validation of debt and error are still reporting after pointing it out to the three Credit bureaus.
Product: Debt collection

I submitted a complaint back on XX/XX/2021. 
I am not the owner of the account that is being referred to. This account is not mine, I have reached out to your company and left my contact number with Southwest Credit System
Product: Credit reporting or other personal consumer reports

I am writing to dispute the charge-off account from XXXX reported on my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account information is as follows : Account Name : XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX I dispute this account because XXXX never sent me a XXXX form, which is required by the IRS to report canceled debt XXXX When I requested a XXXX form from XXXX, they stated that they do not send them out. I believe this is a violation of IRS regulations and the FCRA, which requires that credit bureaus ensure the accuracy and completeness of the information reported. This account was charged off on the following date XXXX XXXX. Since then, the account has repeatedly been updated as a charge-off every month. This is an update on the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), I request that you investigate this dispute and remove the charge-off account from my credit file, as it is inaccurate and incomplete.

Please provide me with a corrected copy of my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to submit a complaint the following information XXXX XXXX supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX opened XX/XX/XXXX ). 

During XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a XXXX  XXXX  and a XXXX  of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to your company to request XXXX  payment options, I agreed to do a covid forbearance with your company. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( XXXXU.S.C. XXXX ( a ) ( XXXX ) ( F ). ) This has been an ongoing concern. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately XXXX XXXX history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Balance {$100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Summary of XXXX XXXX XXXX ( 1 ) I responded to an email from the XXXX XXXX on XXXX XX/XX/2022 ; I had been charged a renewal fee of {$340.00} and had XXXX hours to get a refund. 
( 2 ) They tried to do a direct deposit into my Citizens Bank checking account; said a mistake was made and {$100000.00} was deposited in my account. I had, as instructed, logged into my account, and the money was there. 
( 3 ) They said if it looked like it came from a business, I would have to pay XXXX XXXX tax on it. 
( 4 ) They said I needed to wire out {$99000.00} to an individual in the XXXX, which I did. 
( 5 ) I kept monitoring my checking account and it looked OK ; I could see a wire transfer of {$100000.00} coming in and {$99000.00} going out. I also changed my username and password. 
( 6 ) A few weeks later, I noticed that the interest payment on my Equity Loan ( which had a balance of about {$16000.00} ) went from about {$50.00} per month to over {$500.00} per month. 
( 7 ) Upon investigating this, I found there was an Advance of {$100000.00} on XX/XX/XXXX. 
( 8 ) I was shocked, and sure this was a bank mistake. On XX/XX/XXXX, I went to the Citizens Bank branch in XXXX XXXX in XXXX XXXX, PA ( ph XXXX ) to discuss the matter. 
( 9 ) The banker agreed with me that the {$100000.00} wire transfer into my account should have nothing to do with my Equity Line of Credit Loan. He filed a fraud claim and told me to contact the Equity Loan people in a few days. 
( 10 ) I was sure they would call me and all would be well but they did not call. 
( 11 ) Finally, on XX/XX/XXXX, I went into the main Citizens bank in XXXX XXXX, PA ( ph XXXX ). Here I was told that the {$100000.00} advance actually came from my Line of Credit! 
( 12 ) I was horrified! I was told to call the number on the back of my debit card and tell them that it was fraud. 
( 13 ) I did so, and spoke to someone with Citizens Bank in Rhode Island who informed me that you are not responsible for fraud. I was also told that there was a problem with the way the claim had been filed ; they re-filed the fraud claim and told me that they would have to reach out to the bank in the XXXX. They gave me a reference number and a phone number to call investigations ( Ref : XXXX Ph : XXXX ) ( XXXX ) On Friday, XX/XX/XXXX I had heard nothing, so I called the Investigations number that I had been given. I was told that unfortunately, there is nothing we can do there is no insurance against wire transfers! So, as of now, I am out {$99000.00}! 
( 15 ) Question : When I went into the bank to wire out the {$99000.00}, why did the banker not alert me that {$100000.00} had just been taken from my line of credit?

( 16 ) Question : If I am not responsible for fraud, how can the bank tell me there is nothing they can do?
Product: Mortgage

My XXXX is with Chase who recently streamlined that loan, it is current to date. 
I took out a HELOC ( ARM ) with Washington Mutual in XX/XX/XXXX ( {$85000.00}. ) .have had struggles but still found ways to be pay on time ... have always been current until this year. 
Mom Passed away XX/XX/XXXX and separated my marriage XX/XX/XXXX ... finally divorced in XX/XX/XXXX ... 
I was told the only way I could qualify for a modification is if I was in the rears at least 2-3 months ... .so I let it lapse and set aside the money then after I was denied I went into Chase to pay ( 90 days later ) they called the loan in full {$85000.00}. also put it down as a charge off ... messed up my credit to the point I could not qualify for an outside loan ... When they offered a settlement of {$30000.00} ... now they are saying if I do n't pay them $ XXXX.by XX/XX/XXXX. they will foreclose on my home. In which my college student, daughter and I have lived here for 11 years..I am a proud single Dad ... .I feel this was a bad loan from Washington Mutual in the beginning after I got more information on preditory lending and false securities, etc ... Also, during this process I was harrassed daily with phone calls even though I told them I would try to get the money ( {$30000.00} ) ... ..they also refused, to work with me after the deadline..said they would only speak with my Atty. they were soo RUDE ( XXXX XXXX ) of Chase Recovery Dept. ( especially )
Product: Credit reporting or other personal consumer reports

on XX/XX/year> there was a letter sent to equifax discussing incorrect personal information reporting on my credit. I have yet to get any response from this company giving me the details on information being removed.