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

I obtained a copy of my credit report in XX/XX/2017. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/2017, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my XXXX and Transunion reports immediately.
Product: Checking or savings account

My complaint is regarding negligence and incompetence of protecting me as a client. There has been inconsistent and incorrect information provided to me regarding funds in my account and requests for clarification on an existing claim was denied and ignored.Opened up claim # XXXX and claim Claim # XXXX with Wells Fargo. After several attempts to talk to higher ups and different departments I keep getting different answers or saying to wait 72 more hours. I was told I would be receiving provisional credit within 72 hours of these request and that my account was protected which is was not. I feel like I have been lied to multiple times and feel as if I'm the one who made the mistake whenever I talk to a representative. This has been one of the worst experiences I have had with a bank to call them multiple times a day and be on hold for hours at a time to get a generic answer. I did not make any of these charges and need Wells Fargo to correct this.
Product: Checking or savings account

I am HSBC US users. At the end of XXXX, I found that I couldn't log in to the account. HSBC customer service told me that the account was closed within 60 days, but I could not provide a reason.I am a XXXX, I suspect that HSBC is in XXXX  discrimination, forcible my account without any reasonable reasons.
Product: Mortgage

I was recently transferred to LoanCare LLC for my mortgage Servicing. After setting up my account Online I submitted 1 singular payment to pay my XXXX mortgage. LoanCare decided to take an additional payment without my Authorization. This is now causing my financial issues with my other bills scheduled for the month
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative with XXXX XXXX XXXX an offered me a re-age program to pay {$93.00} a month on my XXXX credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program XXXX offered to help pay off you credit card balance. I spoke with XXXX  and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.
Product: Debt collection

XXXX XXXX XXXX , XXXX is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, My credit card account with apple was compromised and I lost all access to bill pay on the account. In XXXX, Apple reported that I was late on payments erroneously and that I was late on payments ( when i have no correspondence from apple on this ). I requested at this time that apple suspend my card. Now they have continued to accept charges on my card and have reported, again to the credit agencies, that i owe money on this card and was late in may, when my first correspondence was in XXXX on this. Please request that apple take these notes off of my credit report.
Product: Credit reporting or other personal consumer reports

I reported to the company that the information they report is inaccurate and have provided a copy of my FTC report
Product: Debt collection

I checked my credit today and discovered that there is a  Capio    Partners  collection that was just reported to my credit. It seems they are asking for {$610.00} and the account number is "  XXXX  ''.     I did not receive any notice with a right to dispute before this was reported to my credit.     This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money.     I 've done some research online and this company has been involved in several scam stories for many consumers. As a matter of fact, there is a 100 % negative review rating on the    Better Business Bureau! Considering their history, I am not about to reach to this suspicious company when I do  n't even know what this debt is for.     They need to explain who they are and why they want me to pay them {$610.00}.
Product: Credit card

went on a payment plan with XXXX XXXX XXXX in 2018, I have been making payments on a monthly basis through my banking app and realized this year that I should've oaid off my balance by now but I had no way of seeing my balance/account information, they didn't send one statement to me or not one email regarding my account. I felt very uneasy about it and tried to contact them, but it's like they don't exist anymore and I had no luck in reaching athleta credit card. I have stopped making payments since then in hopes they will somehow reach out to me then and still nothing, but after doing my credit report a couple of weeks ago I saw that it showed up as " Charged off as bad debt ''
Product: Checking or savings account

Citizens Bank, XXXX. 

The Citizens ATM at XXXX, MA isn't XXXX  working. 

Seems like it's out of order half the time. 

Why install ATMs if you can't keep them working?
Product: Debt collection

I have NOT have any services, products that this company is claiming. I have submitted electronic disputes repeatedly. They continue to report it on my credit report. I have statements indicating that the account is Not mine. They insist demanding that is my account. The personal information they have on me does Not match my information. Like Social security, account number and products they claimed I purchased.
Product: Credit reporting or other personal consumer reports

The company is reporting the debt as charged off on my credit report and they have been paid in full for more than one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report , XXXX XXXX office has reach out to XXXX XXXX to have the item removed on several occassions. I have an email that was sent to XXXX XXXX   requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX and a email that was sent on XX/XX/XXXX XXXX XXXX. I called XXXX XXXX to request XXXX XXXX n one there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they don do that.
Product: Credit card or prepaid card

In XXXX I used an XXXX XXXX credit card ( issued by Citibank ) to buy 2 tickets, total value of {$1900.00}. At the time of purchase I paid an extra {$250.00} to make both tickets fully refundable. Since the pop-up offering this option said nothing about fare conditions, I checked the fare rules ( supposedly legally binding ), which said that these tickets were refundable anytime. Both trips were cancelled well before the departure dates. But when I applied for a refund in XX/XX/XXXX, XXXX said the tickets expired one year after issue and would not be refunded. This was NOT disclosed when I bought the tickets. Since when does refundable anytime mean refundable only within one year? Does XXXX abide by its own fare rules? It appears they do not. 
At that point, I stopped making payments and disputed these charges, but got no useful response ( see dispute letter I sent and Citibank 's useless response ). I have also contacted XXXX XXXX about this matter, but they have refused to do anything to resolve this dispute, saying only that it is between me and Citibank. 
Now Citibank has filed a collection lawsuit against me, trying to force me to pay over {$2500.00} ( including an outrageous {$600.00} in interest ) essentially for NOTHING and threatening to ruin my credit if I do not. If they want to recover what they paid for the tickets, they should be suing XXXX, not me. This is ABUSIVE and this lawsuit needs to be withdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Dear Experian, XXXX XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name : XXXX XXXX  XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX CAPITAL ONE XXXXXXXX, XXXX 's XXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Product: Credit reporting or other personal consumer reports

Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX Date of inquiry : XXXX Delete!! 

Unathorized inquiry. 
XXXX XXXX Date of inquiry : XXXX Delete!! 

i noticed this issue in XXXX incorrect information needs to be removed : Incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employment info : XXXX XXXX XXXX Under15 USC 1666b this late payment entry is a violation.I have beeen incorrectly billed. 
XXXX XXXX Account numberXXXX please update the status of this account to " paid on time ''. 



This account needs to be validated. 
XXXXXXXX XXXX XXXX Account NumberXXXX This account needs to be validated. 
XXXXXXXX XXXX XXXXXXXX Account number : XXXX This account needs to be valited : XXXX XXXXXXXX Account number:XXXX This account needs to be validated. 
XXXX XXXX XXXX Account numberXXXX This account needs to be validated. 
XXXX XXXX Account number:XXXX This account needs to be validated. 
XXXX XXXX XXXXXXXX Account number : XXXX This account needs to be validated. 
XXXX XXXX XXXX Account numberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

today, XX/XX/XXXX, I spoke with XXXX/ XXXX  about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at XXXX XXXX or XXXX. Equifax requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a XXXX XXXX that has affected my XXXX.
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile
Product: Vehicle loan or lease

On XX/XX/2020 I applied for an auto refinance with Ally. I was approved for the loan on XX/XX/2020, and I received approval email communications from " XXXX '' and " Ally '', along with welcome documents from Ally in the mail the following week. I also received the monthly statement and payment coupon from Ally for my first payment, and I made the first payment already ( it was mailed in check # XXXX ).  On XX/XX/XXXX, I received a letter from Ally saying that they cant do loan as agreed because they were unable to verify my vehicle 's mileage. This is absolutely false - I feel this is just a " Bait & Switch '' tactic on their part, and the vehicle mileage is just an excuse.Please see below regarding mileage verification : 1 ) During the loan application process, I uploaded an image of my vehicle odometer to the loan portal. This image was taken on the same day as the loan application, and it has a date and time stamp on it. The loan agent ( XXXX XXXX ) also viewed the mileage image I had submitted and said it was acceptable. 

2 ) During the loan document signing process, I signed a DMV mileage verification form, certifying that the mileage stated is correct. This form carries legal consequences if the mileage information stated is false. I would never risk legal issues with the State of CA, by misstating my vehicles mileage. 

As Ive already provided Ally an image of the odometer, and well as signing a legal California DMV document verifying the mileage is correct, Im unsure as to what exactly Ally needs to verify vehicle mileage. And if verifying the mileage really was an issue, why would it come up nearly 4 weeks after the loan was approved, and Ive already made my first payment? I feel this has nothing to do with being unable to verify my cars mileage. It is just a bait and switch tactic on the lenders parts. At this point, the loan is not showing up on my credit report, and the previous lender for my vehicle has been paid off. My car and loan are in complete limbo. Please help. Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I asked Southern Management Systems to validate a debt I supposedly owe them, but they did not properly validate the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As part of validating this debt, I asked for an agreement with your client that grants you the authority to collect on this alleged debt, agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor, any insurance claims been made by any creditor regarding this account, any Judgments obtained by any creditor regarding this account, name and address of alleged creditor, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date this alleged debt became payable, date of original charge off or delinquency, verification that this debt was assigned or sold to collector, complete accounting of alleged debt, commission for debt collector if collection efforts are successful. Southern Management Systems failed to provide me with these documents along with an agreement with my signature stating that I agree to pay them any money. Also, the letter I was sent has two different names and an unknown address on it making this debt invalidated and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.