23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

States Recovery is reporting inaccuracies on a collection account. I've ask XX/XX/XXXX for VERIFICATION of this debt under FCRA. I've asked State 's Recovery VALIDATION of this debt under FDCPA. I never received any proof that I own this debt, which are VIOLATIONS of the laws. Iv'e disputed this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a return response saying it was VERIFIED. They never verified this debt, which is continuing further collection activity that is a violation of FDCPA and it need to be REMOVED. I don't this company or ever made any arraignments with this company. 

XX/XX/XXXXposting LATE PAYMENTS ( recent XXXX XXXXXX/XX/XXXX posting PAST DUE ( balance XX/XX/XXXX posting different balances : XXXX XX/XX/XXXX posting different balances : XXXX XX/XX/XXXX posting highest balance XXXX XX/XX/XXXX date of delinquency : XX/XX/XXXX XX/XX/XXXXdate of delinquency : XX/XX/XXXX XX/XX/XXXXdifferent account # XXXX XX/XX/XXXXdifferent account # xxxxxxxxxxxxxxxx
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are allowing the listed companies to report fraudulent information on my Consumer report, I've contacted the Debt holders and ask to Validate the account information The companies continue to send me a bill Not verifying the account belonging to me. Per the FCRA section 609, 611 and the 605 this debt must be verified and if not validated it must be removed. I also Filed an Identity theft report with the Federal Trade Commission on XX/XX/XXXX XXXX XXXX ending in account number XXXX opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX XXXX ending in account number XXXX opened XX/XX/XXXX XXXX {$7600.00}, XXXX XXXX opened XX/XX/XXXX XXXX {$400.00} Addresses attached to me, they should be removed XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In lieu of the recent lawsuits with XXXX and a data breach with Equifax it comes to question the validity if the case has been truly investigated. Please remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

Formal Request for Immediate Action Regarding Disputed Accounts Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has left inaccurate or unverifiable accounts unresolved, despite the evidence I provided. 
These failures closely align with my experience. Despite my submissions, Experian has neither corrected nor removed the following disputed items : XXXX - Inquiry XX/XX/XXXX - Closed account XXXX XX/XX/XXXX - Closed account XXXX inaction has caused ongoing harm to my credit standing, which is unacceptable and violates federal law and my rights as a consumer. 
I am formally requesting immediate corrective action to remove or amend these accounts. If the requested actions are not taken, I will consider escalating this matter through further legal and regulatory channels. 

Thank you for your attention to this urgent matter
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have never been associated with none of these addresses. I have been a victom of identify for years and im here to clarify it. These accounts listed needs to be removed off my report asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 


Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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 or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  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 XXXX AND XXXX 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. 

XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

My right to privacy is of utmost importance, and I am asserting this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully responsible for upholding your duties with fairness, impartiality, and respect for the consumer 's right to privacy. I am invoking this right as specified by the law. Please ensure that all information in this matter is treated with the highest degree of fairness, impartiality, and respect for my privacy. 

Under 15 U.S. Code 1681b, regarding permissible purpose, I have never given this company authorization for any such purpose. They are in direct violation of this statute. I request that these accounts be removed from my report immediately as it is damaging my reputation, character, creditworthiness, standing, capacity, and more. Since it is your duty to protect my privacy, I need this issue resolved with urgency. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Per15 U S 15 6801 that states non public information is protected from the public unless creditor obtains written consent to share information on my consumer report. I've never had a account with portfolio or security credit nor did I give wriiten consent to anyone to report the accounts listed below on my consumer report.Per 15 U S Code 1681b Permissible Purposes of consumer reports ' *XXXX XXXX XXXX XXXXXX/XX/year> collection XXXX XXXX XXXX XXXX collection
Product: Checking or savings account

there were several transactions made with chime when I had no card and I was waiting to receive a card jus like when they closed the account, Chime responded back but I wasn't allowed to say anything back, they closed the account fraudulently because they had me waiting to receive a card when the card arrived chime had closed my account, they had also sent my card to a wrong address because I was contacted by a neighbor that had a card they sent during the time I received a bank transfer for {$150.00} ... XX/XX/XXXX, I never received money that was sent from XXXX for {$150.00}, disputed a couple of days later my card was canceled and they gave me a provisional credit of XXXX, then while waiting on a card I see that someone used my card that I had been waiting on XX/XX/XXXX cause they used the wrong pin number, then they took money out of my account all this I am missing over {$300.00} ... I am about to write XXXX XXXXXXXX and also FDIC
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have threXXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I have had an issue with XXXX regarding a double charge XXXX for the sample flight. After numerous and multiple conversations, they promised they would take care of this issue. After years of speaking with them and repeating my issue, they did not provide me the required information. I have filed a claim in the past, case number XXXX. I was unable to get my phone recordings or get in touch with someone. 

That said, I have been contacted by XXXX ( employee ID : XXXX ), from Nationwide Credit Inc . I have been very responsive with him and requested I get written copies verifying who is he and his company is, as well as providing me with a form in the mail. Based on the last conversation, XXXX was the company who was contacting me, now it is a different company. 

It has been over two weeks since my last contact with Nationwide Credit Inc and still no letter. I am not clear who is responsible for this case anymore.
Product: Credit reporting or other personal consumer reports

Equifax did not due to proper investigation into several Hard inquiries leading to a decrease in credit score which then made any loan be at a higher rate. This affected XXXX car loans and a mortgage loan increasing the cost of well over XXXX dollars over the course of the loans. Equifax had a data break that caused my rating to be lower than it should have been. Additionally request to remove data XXXX XXXXXXXX, Hard Inquires, Removal of Late Payments under disputes submitted using 15 USC XXXXB and XXXX request repeat thereby causing a reduced ratting and causing the increase rates for loans or credit card request and has cause denial for this causing hardship financially
Product: Vehicle loan or lease

Myself and my Girlfriend got a XXXX XXXX XXXX XXXX suv financed on XX/XX/XXXX. The dealership was XXXX and the bank that they got us approved with and financed with is CPS ( Consumer Portfolio Services , Inc. ) based in California. The " Amount Financed '' is {$18000.00}. The " Finance Charge '' is {$15000.00}. With 22.25 % APR/INTREST. Monthly payment for 72 months is {$470.00}. My girlfriend is the Primary Vehicle owner and I am the co signer/owner so we used her XXXX Credit to get approved. But what I've looked into is that is this is called a Predatory Loan? And yeah they definitely didn't run by everything with us and just had just sign our name on an XXXX and tap everywhere to sign everything and just kept scrolling so we couldn't even read what was in the contract. I called the dealership afterwards and asked them why everything was priced so high and they said " Its just what the bank approved '' so then I called the bank then they said " Your APR/INTREST & Finance charges have to do with the dealership so call them. ". So neither of them gave me an answer or solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove address the are not mine and accounts XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit XXXX XXXX XXXX XXXX   XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - inquires not mine address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX  need to add my correct address and XXXX  XXXX  only. brains of the 3
Product: Checking or savings account

Capital One refuses to authenticate me to handle matters pertaining to my account. 

Generally, my only available method to contact Capital One is using a mobile telephone. I do not use smart phone " apps ''. When I call Capital One, they refuse to speak to me without sending a text message to my mobile phone. However, I can not receive text messages while I am on the line with the representative. Capital One only offers to send a two-factor authentication code by SMS " text message '' and not e-mail. Therefore, I have no way to authenticate in real-time when I'm on the line with the Capital One representative. 

On multiple occasions, I've been transferred to another department to " authenticate me ''. When I am connected to this department, Capital One representatives ask many detailed questions about me, which I answer, and then they tell me that they need me to take photos of a government issued photo ID. I take the pictures, and they email me a link to upload those pictures, but the link does not allow me to upload the pictures from my web browser. It requires me to use a smartphone app. As I said, I do not use smart phone apps. 

Please tell me how you allow a company to operate when they refuse to talk to their customers. In the agreement I signed, it was not made clear that I would need to use a smart phone app to send photos of my government ID every time I would try to make a call to communicate with the company. 

My most recent call was XX/XX/XXXX and lasted 36 minutes. After 36 minutes, the agent stopped responding to my questions on how to send the photos of my government ID. The purpose of my call was to have Capital One change the delivery address for the debit card for an account I had just opened. From the web site, I could see that they are planning to send the card to the wrong address. You would think this is something they would want to resolve. 

Furthermore, I often attempt to access the Capital One web site from my office, located in an office building where I do not have cell phone reception. The requirement to receive a two-factor authentication code by only by text message and by no other means is simply unacceptable, because I can not access my account at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : DEPT OF ED/XXXX   XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Credit card

Prior to making some overseas trips, I consulted the chase.com website to determine if my credit card had foreign transaction fees. 

I logged into the secure section of the website to ensure I was accessing my information, and under my credit card account, under the things you can do area, the first item was view my card benefits. When clicking on that, I was taken to a page ( I have the screen shots taken afterward ) that clearly states that there were no foreign transaction fees. 

After using this card for purchases on my trips, I was charged secure transaction fees totaling about {$40.00} US Dollars. I have two other cards that also do n't have these fees that I could easily have used. 

I have since been working directly with Chase, via their secure message system, to reverse these charges. They refuse to acknowledge that their website directs me to this page ( which i have screenshots that it does ) and they claim that the agreement I signed calls for these fees. I asked for a copy of my agreement - they said they do n't have it because I filled out my application online. I have all of these messages. 

I asked for a payoff balance so that I could close the card and they refused to provide it. I have these messages as well. 

I would like help in forcing them to close my account, and ideally, to refund these foreign transaction fees, that they are falsely advertising on this card. 

Despite this, after several secure message exchanges with Chase, they res with Chase
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a home via usbank home mortgage and was forclosed and the last report from them was XX/XX/XXXX. Well after 3 years and building credit back up we started the home buying process and had credit pulled in XXXX. At that time things were good, but needed to work on some things until we could move further. Finally Monday XX/XX/XXXX my credit was pulled and we got denied because all of a sudden us bank reported that I was over 120 late in XXXX and XX/XX/XXXX. From XXXX til now USBank decided that a closed account was late and sent my score down and halted everything I have worked so hard to accomplish. I called them and they said they wouldn't have done that. This should be illegal and now because of them I have to wait up to another month living in a 2br apartment with 4 people. They are ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ) .According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with ( XXXX XXXX XXXX XXXX XXXX ). They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX to XXXX Credit karma told me I was preapproved several times. At first I paid it no mind but they kept sending me so many different preapprovals telling me that I was preapproved for credit cards personal loans, and that I can refinance my car. Everyday I would see these offers every time I get into credit karma to check my scores. After a few months-of being told I was preapproved I thought I was now in a situation where I could apply and get one. I had an emergency that I going to use the preapproved credit cards for and when I went to apply for them I was denied also for the personal loan and it affected my credit in a negative way based off false information. I was completely distraught and upset that I had XXXX mislead for so long. It was a lie I was not preapproved and my information was used on these sites. I started getting even more advertising and calls and e-mails which are just making me feel worse. I was targeted and it made me feel victimized l. It has ruined my credit even more. Now I wont even check my credit as much because I dont want to see all the damage. I had applied for a personal loan of XXXX and multiple credit cards and was denied even tho I was preapproved.