23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Commonwealth continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted commonwealth is failing to provide me with any proof that this account belongs to me. I have written this company 4 different times and made them very aware that this account in the amount of {$1700.00} does not belong to me and is a result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I did not open or authorize this account for the 100th time, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. Commonwealth has not provided me with any contract bearing my signature nor do they have any such contract. Not only that I have not authorized anyone to share my medical information with no third parties or anyone else. I'm baffled as to how this company continues to report inaccurate information and is steadily getting away with it. What are you using to verify this information who have you talk to what proof has been given? It can't possibly be anything that is accurate because I have never dealt with commonwealth or the company it represents. I will be forced to sue commonwealth and all CRA that's reporting this information.
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these continue must be verified ( A ). If you do not verify these continue, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold 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
Product: Payday loan, title loan, or personal loan

i order portable cd players with headphones and aa batteries they haven't shipped the merchandise yet so i filed a complaint with the XXXX   they told XXXX that the reason why they haven't shipped the items yet because they couldn't fine enough credit info when their website states buy now pay later i'm using my fresh start credit pay for those items i know about the merchandise rule about they must comply with which they aren't one part of the rule is bill me sales on approval i don't have to pay them anything until i receive the merchandise it doesn't state in the rule that they have the right to ask me for 50 % down of the order if i don't my orders i'll sue them in court
Product: Credit reporting or other personal consumer reports

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


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment 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.

TRANSUNION 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

I HAVE SENT THIS INFORMATION TO EXPERIAN OVER AND OVER AGAIN. THEY CONTINUE TO LIE AND SAY THEY NEVER RECEIVED IT.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/year> I attempted to send {$2500.00} to my daughter XXXX XXXX from my Paypal account. She did not receive the money and I began looking into it. 

On XX/XX/year> this amount was withdrawn from my checking account connected to my PayPal account. 

On XXXX I reported this issue to PayPal . Their response, apparently on XX/XX/year>, indicated the receiver of the money as my daughter with an email address of XXXX. 

I did not understand what was going on and tried to talk with someone at PayPal but I was not able to reach a person. On XX/XX/year>, I sent an email to PayPal, stated I was the only person with access to my PayPal account and did not type in or recognize XXXX, and asked the basis for the decision. 

In a XX/XX/year> online message, PayPal stated, " Personal payments are not intended for the purchase of goods or services from sellers and therefore can not be disputed. 

The XXXX person must have hacked into my account and used my daughter 's icon on my list. PayPal did not try to explain the mechanics of how this could happen and did not explain how they were not at fault.

Help!
Product: Debt collection

To whom this may concern, On XX/XX/2018 - XX/XX/2018 I visited the NY area to celebrate XXXX with family and friends. On this trip I accumulated toll fees through an auto-mated system that sends bill to address associated with your TAG number. I was very unfamiliar with this new system this being the 1st time I had to use it as Im from North Carolina and we don't have tolls. A couple days after I being searching for their tolls by mail system with no success and could not locate my information in the system, I had not received any notices or correspondence until this day on XX/XX/2018 with my current address and fees and totals in excess of {$750.00}. The original fee 's are displaying under {$60.00} and they are demanding that I pay more than 10x 's the original amount. I called XXXX and XXXX picked up the phone agent IDXXXX and he explained he could not give his last name and could not give me any type of leniency regardless of my situation, I then requested to speak with a supervisor and the phone was disconnect on XXXX 's end. I then called back and spoke with a XXXX Agent IDXXXX, I explained to her that I was in the process of speaking with a supervisor and she informed me that one was not available to speak with me and that someone would call me back. No call back was given and to my belief this company is associated with unconstitutional parcties and prey on customers to make money. I never agreed to any of the following fee 's and I'm now being held accountable for fees totaling just under {$1000.00} which again is 10x 's the original amount. XXXX informed me that my Credit will be hit with a derogatory mark and collections are in progress and not I'm receiving constant notices in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX XXXX I have called the creditor ; SYNCB/WALM at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time ; never a late payment 2. The age of the account 3. The account is closed 4. Shows account status as " Paid Satisfactory '' After XX/XX/2018 there is NA payment history, the account is closed. Please remove from credit reports.
Product: Debt or credit management

Capital one late payments on my credit report as a finance company using code sim USC 15 1681 and 605 Consumer law
Product: Debt collection

Source Receivables Management, Re : Request for Debt Validation and Assignment Contract To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced below. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including proof that you have the legal right to collect on the debt. Account Number : XXXX Amount Owed {$2500.00}. As part of the debt validation process, I request that you provide the following : The complete details of the debt, including the amount owed and the dates of the debt. An original copy of the contract bearing my signature. A copy of the assignment contract or any document showing that the original creditor has legally assigned the debt to your agency for collection. A detailed statement of the account showing any payments made, interest added, or other adjustments from your agency as well as the original creditor Proof that your agency is licensed to collect debts in my state ( if applicable ). Please note that I request this information within the 30-day period allowed by law, and I am exercising my right to dispute this debt until the requested validation is provided. Should you fail to provide proper validation, I will expect that this matter be resolved in accordance with the FDCPA, including cessation of further collection efforts. Thank you for your cooperation. I look forward to receiving the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint on Trans Union Consumer Reporting Agency in XXXX, PA XXXX. In XX/XX/XXXX my credit score was lowered and, I was denied a mortgage loan due to the lies provided to the lender by Trans Union Credit Reporting Agency. For the past 6 & years Trans Union has been reporting incorrectly that my XXXX XXXX Visa account is an adverse account & that it was included in a XX/XX/XXXX bankruptcy. This information reported on my TU credit report regarding XXXX XXXX is false! 

My First dispute letter to Trans Union regarding this matter was XX/XX/XXXX, the second request was on XX/XX/XXXX. 
TU said they contacted XXXX XXXX both times and confirmed that Adverse account information was correct and it would remain on my TU credit report! THIS WAS A LIE & TRANS UNION WAS NEGLEGENT! 

The information reported on my TU credit report regarding XXXX XXXX   is false. My account with XXXX XXXX is NOT NOW, & NEVER HAS BEEN ADVERSE, but IS open and in good standing, and has been since XX/XX/XXXX. My account was NEVER closed or included in a bankruptcy in XX/XX/XXXX, because it is a SECURED ACCOUNT BACKED BY MY DEPOSIT! As a matter of record I have been over paying my XXXX XXXX accounts before the due dates since XX/XX/XXXX. 
I have spoken to XXXX XXXX on XX/XX/XXXX, ( XXXX XXXX XXXX ext XXXX ) XXXX XXXX have assured me that they NEVER AT ANY TIME REPORTED TO TRANS UNION that my account was ADVERSE OR INCLUDED IN ANY BANCKRUPTCY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX not mine CONVERGENT OUTSOURCING , INC .
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a direct deposit balance transfer ( {$5000.00} ) online to my Bank of America Rewards Visa Signature - XXXX. The direct deposit has a 3 % balance transfer fee ( {$150.00} - 3 % of {$5000.00} ) and a promotional rate of 0 % APR until XX/XX/XXXX ; the Offer ID is XXXX. On XX/XX/XXXX, I incurred a interest charged of {$17.00} for direct deposit & cash advances at variable APR of 24.74 %. I called Bank of America on XX/XX/XXXX, and informed them they made an error on the APR and that I should have the promotional rate of 0 % APR. The customer service representative informed me that a manager will look into the issue and get back to me by Friday, XX/XX/XXXX and no later then Monday, XX/XX/XXXX. On XX/XX/XXXX, I called Bank of America for a status update and was told that another " manager '' will look into the issue and I should get a call back by Tuesday, XX/XX/XXXX. I did not receive a callback on Tuesday ( XX/XX/XXXX ) or Wednesday ( XX/XX/XXXX ). On Thursday, XX/XX/XXXX, I called and, again, was told that a manager will investigate the issue and will reach out to me by Monday, XX/XX/XXXX. I did not want to take another chance by waiting until Monday, XX/XX/XXXX. 

From XX/XX/XXXX and to date, I am being charged interest. I feel Bank of America is deliberately delaying the resolution while I am accruing interest while waiting for them to fix the error. I called in three times, described my situation to three different customer service representatives, and was lied three times when the issue will be resolved. I do not understand why they can not provide me a confirmed offer of 0 % APR ( Offer ID XXXX ) but insist on charging the high 24.74 % APR. I have never been late on making payments and part of Bank of America Preferred Rewards Platinum Honors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a COVID forbearance program with my Mortgage company ( XXXX XXXX ) since XXXX  2020. The credit bureaus are supposed to be reporting that I am current. The Mortgage company ( XXXX XXXX ) said that being in the program will not affect my credit score. But my credit sore is being affected every month since XXXX  2020. TransUnion is reporting that Total balance on all your mortgage accounts ( s ) has increased by {$1300.00}. This change applies to the sum of all Mortgage balances.

They need to stop reporting this and go back and fix all the reporting so my credit score will not be affected. Because while I am in the COVID forbearance program TransUnion should be report my mortgage as current. Please contact TransUnion have them please correct this incorrect reporting. My credit report dropped XXXX  points Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( credit card ) XXXX XXXX XXXX ATTN CUSTOMER SUPPORT XXXX XXXX, CA XXXX USA The above credit card company has me listed as a joint account holder of an account that I have not authorized myself to be on. I have tried for over a year to be removed. I have tried contacting the above company to no avail. You have to have a credit card number to access their system. I DO NOT, nor have I ever been issued or asked for a credit credit card from this merchant. I am looking for a way for them to compensate me for falsely reporting reporting on my credit report period. I have tirelessly disputed with the credit bureaus as well to the point they are denying my request to dispute this debtor. Thats why I have turned to you. The bureaus ( trans union, XXXX XXXX ) will have a paper trail of my disputes. Please help me.
Product: Money transfer, virtual currency, or money service

Cashing a check issued by a company through Wells Fargo has exposed a fraudulent practice by Wells Fargo. I was asked to provide 2 forms of ideas, my driver license and XXXX XXXX XXXX card was provided, then the teller asked me to place my thumb print on the check. I refused to do so, simply because my print is personal, I explained to her that finger print is no different than my DNA, and I don't have to provide it to you. She refused to cash my check, then asked for her manager to speak to me. Spoke to her manager ( XXXX XXXX XXXX /Service manager ) she also refuse to cash their check without my thumb print, then said " maybe you should go to your XXXX XXXX  XXXX to cash all your checks '' I perceived her commend as a total disrespect. I then spoke to the branch manager  ( XXXX XXXX ), once again I was refused to cash their check without thumb print. It is my understanding and through the Consumer finance web site, there is no law permitting any bank institution to demand any citizen to provide finger prints in order to cash a check. This would be a direct violation of my privacy right. I will pursue this issue all the way to our land 's supreme court if need be, and see it being correct to where no financial institution is permitted to demand citizens of this land to provide their finger prints just to cash a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was on hold for over one hour with PayPal. I spoke with a " XXXX '' she said that they have records of the two payments but they did not. My bank has confirmed two payments but PayPal has declined payments for their direct account and PayPal Credit. PayPal has closed the PayPal Credit account based on their issues with electronic ACH payments from my bank, XXXX. For some reason the payments are not going through in a timely manner taking days to complete.
Product: Credit reporting or other personal consumer reports

Hello recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/21 ) I sent a letter seeking validation of a debt to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX ) Its been ( 30 days ) and I havent received a response. Being that it has been well over ( 45 days ) I have sent a letter to XXXX, XXXX, and Experian requesting that they immediately remove this from my credit report due to this debt, I am not aware of, not being verified. 
I have yet to hear a response from any one. Due to my own personal research I have notice that my rights as a consumer have been violated and I feel like I am being directly ignored and taken advantage of. According to consumer laws, if this account can not be verified, it must be removed by the credit reporting agencies. 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score has decreased XXXX points for an balance increase, not only have I been waiting 5 years for a loan forgiveness. I also received something stating that my loans was in the process of forgiveness and no action needs to be taken so why is my loan increasing dropping my score?
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

A loan modification package was submitted to Dovenmuehle, Loss Mitigation department on XX/XX/2021. We fell behind on our mortgage due to XXXX XXXX XXXX. At that time, we were only 4 months behind on our mortgage. During the review, the servicer was constantly requesting the same documents 3 or 4 times. The modification review is still on going. Each time the servicer is called for a status update, we are being told " no new updates ''. We are now in XXXX and still no decision. We have spoken to representatives, team leads, supervisors and escalation supervisors. All to no avail. When this process started back in XX/XX/2021, our mortgage was {$5400.00} past due, we are now over {$18000.00}. We were ready to resume making our payments back in XXXX. This is Servicer neglect and abusive and should not be tolerated. I have attached every conversation along with names and ID numbers.
Product: Credit card

Dear Capital One, I hope this message finds you well. 

I am writing to express my concern regarding an issue that has recently come to my attention while reviewing my credit report. As I am in the process of purchasing a home, my loan officer informed me that there were late payments reported for my account ending in XXXX, specifically for XX/XX/XXXX and XX/XX/XXXX. I was deeply surprised and distressed to learn of these late payments, especially given that both periods correspond to times when I was hospitalized due to XXXX. 

I take great pride in paying my bills promptly and managing my financial obligations responsibly. Upon discovering this issue, I promptly settled the account and brought it to a XXXX balance, after which it was closed by your company. 

I am uncertain how these late payments occurred, as I believed I had made all necessary payments in accordance with my statements. It is possible that my monthly statements were not delivered during those times, contributing to this situation.