23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of XX/XX/2021, there is a debt collection for the amount {$380.00} from XXXX. on my credit report that I was not notified of. The alleged debt account was handed over to CCS Collections on XX/XX/XXXX from the original creditor. I never received a letter from CCS Collections, which was supposed to happen 5 days after initial contact/date the account was handed over. Thus, I was never given the opportunity to dispute/have said alleged debt validated. This is a direct violation of the FDCPA due to each individual having the chance to validate or dispute whether a debt belongs to that person or not. In fact, debt collector must provide a letter that states information about said debt and that an individual has 30 days to mail a debt validation letter before the collector " assumes '' the debt belongs to the person. A Debt Collector can not just slap a debt on someone's credit report without the individual knowing and being able to dispute/validate said alleged debt. I was not given that chance. Fast forward to XX/XX/2021, I filed a dispute with XXXX about this invalid debt. On XX/XX/2021, XXXX notifies me of the results of the investigation. According to CCS Collections, they VERIFIED, NOT VALIDATED, the debt. Who did they verify this debt with? What information was used? This is a potential HIPPA Violation, that is, if they possess personal medical records/information that is outside of HIPPA 's guidelines, and used that along with whatever else documents in their possession to " verify, '' this invalid debt. Also, I am not aware if CCS Collections is even allowed to collect this invalid debt. Under the guidelines of the FDCPA, the collection agency in question must be the correct agency collecting on this debt. If not, they can not pursue collections, and the debt must be removed from consumers credit report. Did CCS Collections mail me a written agreement between them and the original creditor? No. So, how do I know that they are able to collect on/report this invalid debt? I do not. Again, I never received a letter from CCS Collections, surrounding this alleged debt, nor was I given the chance to send them a debt validation letter, which I have every right to, according to FDCPA. Last, CCS Collections should only contact me via letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is showing multiple entries on my credit report that I did not authorized. I do not have any financing or credit from this company and these inquires are erroneous. I have tried calling to speak with the finance manager, but I always get the voicemail. I did not authorize these inquires and they are fraudulent. PER FCRA section 609 these inquires must be removed. 

Inquiry date : SANTANDER CONSUMER USA XX/XX/2018
Product: Credit reporting or other personal consumer reports

I just got me a copy of my credit report and I found some stuff that is not right. From what I have been told, you have to verify anything I think is not right. Please do one of investigations on the accounts that I listed above and mail me results. On the internet it says you must finish within 30 days, so I will wait until then The follow needs to be verified : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit reports and I 've noticed that there were many unauthorized credit inquiries made not to my knowledge. I do not recall authorizing these credit inquires and I understand that they should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation about all of my inquiries to determine who requested the information.
If you find I was not the one who authorized this inquiry, I ask that XXXX have it removed immediately from my credit file. Please be so kind as to have the CB to forward me documentation that you have had the unauthorized inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2015, I called XXXX XXXX, to pay {$190.00} to my XXXX Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. XXXX refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by XXXX XXXX is unfair and unjust and it violates FCRA.
Product: Debt collection

I receive several calls a day from Portfolio Recovery Associates for a woman I do not know named XXXX. The numbers are randomly generated so that every time I block a number they call from another number. On 2 previous occasions I have answered the calls just to tell them they have the wrong number and that I do not know this woman. The calls only escalated. I do not answer them now but they go to voicemail and i have to delete the voicemails. If I am at work or waiting for an important phone call from family or friends these calls are very disruptive. I feel like I am being harassed over a total stranger 's debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX XXXX account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I talked with one of the representatives that work for your company and I set up for them to withdraw monthly automatic payments from my checking account. I did not realize that I had a derogatory account until after I got a notice stating that I was 120 days late. I was under the impression that the payments were being taken out of my account faithfully. 

Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

Currently I am applying for a mortgage and financing anything has been a struggle. It has come to my attention that the missed payments on my credit reports have hurt my ability to qualify for anything. 

In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the 5 late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!
Product: Credit card or prepaid card

I continue to get marketing materials from USAA regarding credit cards and other products even though they continue to deny me access for applying for these products. I was even offered the opportunity to get an employment opportunity with USAA in 2016 that was revoked at the last moment because of a prior balance they said was owed that was charged off. If the amount has been written off as a tax write off why are they still trying to collect the full balance and why am I being mislead to apply for various offers? Why are offers of employment contingent upon payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXXXXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

We got a insurance check from our insurance to rebuild our house or buy a new house our mortgage company asked for all these documents to rebuild and we turned them all in but then we call and they need a new paper or we didnt put our loan number or dated or signed it always something new we have contractors and ready to go and they wont send our money we are almost out of benefits from insurance
Product: Debt collection

This debt was removed off my account twice and closed. 
They placed this back on my account twice. I wasnt notified nor did i receive any notification that this debt was placed back on my account for the first or second time.
Product: Debt collection

PENN CREDIT CORP at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$630.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

A debt collection company : SIMON 'S AGENCY , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This company keeps trying to collect a debt that been paid by New York State Emergency Rental Assistance Program I tried to contact them and dispute the false information but they continually harassing me with payments for dates already paid and reporting me to the credit bureau even after more than one year from receiving the government payment
Product: Credit reporting or other personal consumer reports

I noticed unauthorized payments, specifically the consecutive months of XXXX XXXX, on my subsidized student loan I acquired was advised that I would be granted a financial plan to keep the loan paused during the time frame Ive listed above. 4 years later these payments are showing financial institutions that Im not worthy enough to start business & interact with them, let alone get forms of checking and saving accounts with them. due to FCRA laws protecting my credit profile, Im requesting the payments be validated across all three bureaus. Im also requesting to have the remarks listed on my credit removed & brought back into good standing. Thanks have a great week, XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX I submitted a complaint with reference number XXXX stating that the leasing company is not issuing me my property tax refund which was charged incorrectly and had to go through abatement process. 

On XX/XX/XXXX company responded that they are still awaiting refund from XXXX, CT tax collector office, the company will issue refund, as soon as they receive it. 

XXXX Tax collector office states that they had already issued the refund in XX/XX/XXXX and the leasing company has received the money. 

Denying a tax refund on leased vehicle, which has already been issued by tax collector office shows the willfulness of the company for not issuing tax refund.
Product: Credit card

I've consistently made timely payments on this account, never allowing them to become overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since  XXXX  of  XXXX  I was on a repayment plan with   XXXX   XXXX   XXXX   that was to end in  XXXX  of  XXXX . The payments were for  XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled,   XXXX   XXXX   XXXX   is stating that the repayment plan was set up incorrectly with  XXXX   XXXX , whom is supposed to be a " dedicated loa n specialist. ''    XXXX   XXXX  is reporting to the credit bureaus that at this time I owe since  XXXX  of  XXXX . This is incorrect and I have fulfilled the  five m onths and total amount due of  XXXX .  XXXX   XXXX  has claimed today,  XXXX   XXXX ,  XXXX , that the repayment plan was set up incorrectly- they should have certainly noticed this during th e five m onths they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and  XXXX   XXXX  is the only company that does not have me current on credit reporting. Now that I am current with  XXXX   XXXX , they need to update the credit ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. 

Additionally the credit card company SYNCB/CAR CARE XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked Credco/XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

CREDCO/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Checking or savings account

My name is XXXX XXXX. I am a Sterling National Bank customer. 

I have an issue I want to resolve, however it seems my bank doesn't want to help me to resolve this. 

On XX/XX/2021 I made some transactions and paid someone I bought something from and the payment went through. However after I received my bank statement, I didn't remember the charge anymore so I filled a fraud dispute mistakenly. 

After few days, I remembered I bought something legitimately and reached out to my bank that it was a valid charge. I told my bank dispute department on the phone to cancel all the disputes I earlier filled. 

The next day I also visited the bank branch and told them to cancel the disputes and write to me officially about the cancellation of the disputes so that I can show the merchant, but my bank has not sent me the letter I requested for. 

I have told my bank several times that the charges involving my debit were valid charges and I do not want to proceed with the disputes anymore. I do not share my card with anyone. 

I am making this complaint because my bank has not written to me about the cancellation of disputes. 

Yesterday I received a letter from my bank saying they had given me provisional credits. How can you give me provisional credits when I have already told you that the charges were valid and you should cancel all disputes I reported. 

The case number is XXXX And my card number is ending in XXXX. 

I will attach a copy of the letter I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Ive been with capital one for sometime now. I added my daughter XXXX XXXX as an account manager however, its not reporting to the credit bureaus if this can be updated I would really appreciate it card # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PayPal credit filed a missed payment on XX/XX/XXXX of 2023 with all 3 credit bureaus in which account is closed and on auto pay.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX A lady called and while I was trying to explain what happened in the car accident she got upset and began to threaten me about wage garnishment and losing my license because they contacted my insurance and they didnt want to pay. A balance of XXXX was just sent to me I never went to court heard anything from police. Just a call being threatened out the blue. XXXX XXXX is her name XXXX ext XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The thief is using my credentials to apply for banking and credit cards in my name. Everyday and email shows up with a new application in different states. I have been calling the banks and let them know is fraudulent. Which they are having time to believe me! Its been overwhelming for me Im in XXXX about it! What can I do to make this stop! Its been continuously going every day! Please help!
Product: Debt collection

In XXXX Wakefield & Associates XXXX, out of XXXX Tn. sent my wife XXXX XXXX and myself XXXX XXXX XXXX debt collection referenced letters apiece. ( XX/XX/XXXX - total XXXX specific reference # 's - XXXX each individual letter - ten specific Account # 's attached from XXXX XXXX XXXX for each letter received ) These letters were debts allegedly owed for our yearly annual physicals performed for us both & received on XX/XX/XXXX. I answered/provided information for all alleged debt letters received from this company on or about XX/XX/XXXX. In those letters received it stated the following : We must stop collections on any amount you dispute until we send you information that shows you owe the debt. No information was ever received by my wife or myself from Wakefield & Associates through XX/XX/XXXX showing we owed any debt. 
On or about XX/XX/XXXX my wife XXXX and I again received another five debt letters apiece ( XXXX total ) from Wakefield and Associates XXXX for the same amounts of debt allegedly owed for XX/XX/XXXX from last year. But in these debt letters we received all XXXX reference # 's from Wakefield and Associates XXXX were different from last years and the alleged debt owed was now owed to XXXX XXXX XXXX XXXX ( same amounts allegedly owed, one word added in name - Health ) All their account numbers assigned to the debt were now changed with the last XXXX account numbers not matching last years accounts numbers for the same alleged debt owed from last year for XX/XX/XXXX. ( we refuted/responded in writing to these new letters received on or about XX/XX/XXXX ) My wife and I would like your federal agency to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Wakefield and Associates XXXX XXXX for unfair and deceptive practices to collect debts allegedly owed according to the Fair Debt Collection Practices Act which became effective XX/XX/XXXX. Additionally we request that your agency provide us with a written report and determinations of your agencies conclusions reached and actions taken against the above companies referenced. 

Thank you for your time and consideration in this matter. XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent this to XXXX within the last XXXX weeks. Apparently they lost and mishandled my personal sensitive information or they intentionally discarded it to stall the accurate reporting of my credit report. Whether by incompetence or deceitful practices please don't lose it again. This should be the simple part, not the time wasting, stall tactics being implemented here. You have now sent me XXXX request for this information, and I granted your request after your first letter. I can look through my records if I have to but I sent this around the XXXX or XXXX of XXXX of 2024. I have now received notice XXXX and XXXX for the same info, they both came today XX/XX/XXXX, post dated XX/XX/XXXX and XX/XX/XXXX. I usually give benefit of the doubt, but from my recent dealing with the credit agencies, this is unacceptable and it's clear from conversing with their agents and " specialist '' that they are ok with reporting and maintaining inaccurate information on my credit report and giving me the run around in fixing them.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH capital XXXX and 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 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 those account 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 21 days before the payment due date.

( CREDITOR NAME ) 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! 

Delete the late payments from my consumer reports