23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian is reporting incorrect information in violation of the Fair Credit Reporting Act. I received XXXX " XXXX '' forms from XXXX for XXXX credit card accounts. This was treated as income to me and I paid taxes on it. XXXX 's use of the XXXX form means what is says : the debt is cancelled. Period. XXXX is continuing to report these balances as not only due, but past due. They claim they are permitted by Experian to do this. I have found no rules or guidance agreeing with this posture. This practice is an abuse of the credit reporting system and must be stopped.
Product: Vehicle loan or lease

Capital one auto and finance continues to claim I owe a debt to them when it was ALL amounts in total were settled by the US TREASURY department, and a XXXX was filed under the auto loan amount and sent notice to capital one. The accounts reflect negative reporting which is unlawful by the codes under usc consumer credit reporting act. I've also notified capital one to fulfill their fiduciary obligation to consumer credit accounts according to XXXX XXXX XXXX all credit amounts and interest is to be paid to the consumer- which they have not complied with as of 3 days post notice of action to repay the credit owed to me from ALL consumer accounts had with capital one.
Product: Credit reporting or other personal consumer reports

Always have the wrong information I like to call the original contracts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false. 
I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXXand XX/XX/XXXXand not {$5.00}.
Product: Debt collection

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate.

Account Name Account Number Balance Monthly Payment XXXX XXXXXXXX XXXX XXXX {$930.00} XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXNo Data I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 

Sincerely, XXXX XXXX Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXNo Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$1100.00} Original Creditor XXXX XXXXXXXX XXXX XXXX Past Due {$1100.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 
I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 
Sincerely XXXX XXXX
Product: Credit card

We cancelled Autopay on a Target XXXXXXXX XXXX XXXX on XX/XX/XXXX as we needed to change it to a different bank. We updated the bank however on XX/XX/XXXX as you can see in the XXXX billing statement a late fee of {$30.00} was assessed and no AutoPay was processed. We were unaware that the transaction didn't go through as there was no alert or email to show that the transaction failed. On XX/XX/XXXX we received a letter in the mail stating that the bill was outstanding and that was the only time we realized that the transaction for XXXX didnt go through. We called Target XXXX XXXX on XX/XX/XXXX ( Day XXXX ), to ensure the payment went through as you can see in the attached XXXX Statement report a Phone payment of {$140.00} was initiated. The phone payment was not processed again and you can see this in XXXX 's statement. We called Target again on XX/XX/XXXX to pay the outstanding balance however they could not take a single phone payment through either of my banks ( XXXX or XXXX ) and the reason they provided was that their system was not accepting the account number. After multiple attempts we re-initiated the same payment on XX/XX/XXXX through the online portal and it went through. All outstanding balances were paid as off XX/XX/XXXX. 

Target XXXXXXXX XXXX XXXX on XX/XX/XXXX reported a late payment to all 3 credit bureaus when it was clearly an issue on their end. Target XXXXXXXX XXXX XXXX customer support also mentioned they had a system issue but refused to provide anything in writing. We have stopped using the card and closed their account as Target 's XXXXXXXX XXXX XXXX  Payment processing system is unreliable. Target is not cooperating with the matter and have dinged my credit score permanently.
Product: Debt collection

I had a XXXX XXXX in 2019 and my insurance company paid for all of my medical expenses under my XXXX XXXX policy. 

More than one year later I received a letter from : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, MD XXXX stating that I owed them {$1400.00} without any kind of documentation as to what the services provided were, where they were provided, when they were provided, or who provided them. 

Researching the company on the internet, I found multiple complaints about them and decided that this was a scam and that responding to them was not a wise thing to do. 

Subsequently XXXX XXXX, sold the alleged debt to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX who have now engaged the law offices of : Mitchel D. Bluhm and Associates LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX who offered to settle the debt for {$870.00} if I paid within 30 days of receiving their letter. I have not responded to them as I have no indication at all that this is a valid debt claim.
Product: Mortgage

On XX/XX/XXXX. this year i received an insurance check for storm damage to my roof which is payable to the bank and myself. 

Per the bank instructions I sent the check overnight to the loan company. 
After multiple calls to the company and many hours of my time i finally found out on Friday i found out that the the check was received and since my loan is in order they would endorse and return the check. I found out yesterday that the check is still being held by the company and i could get no more information except from what i could understand the check may be sent back to me sometime. 

I can not begin the repairs until the check is endorsed and returned, a less than two minute process. 

My mortgage was sold to Freedom Mortgage by XXXX XXXX several years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent out dispute letters to Equifax via certified mail regarding a medical collection account on my credit from XXXX. Original creditor was XXXX XXXX XXXX XXXX. I also sent out validation letters to XXXX via certified mail telling them to VALIDATE, NOT VERIFY MY ACCOUNT. XXXX  responded by sending my medical information in the mail that they obtained from XXXX XXXX XXXX XXXX. XXXX  sent me this information without a HIPAA release form, which is a HIPAA Violation, and they still did not send me anything with my signed signature on it proving that this debt is mine in the amount of {$840.00}. It is a violation for Equifax to report anything on a Consumer profile without that information. After my dispute was completed, Equifax did not send me anything in the mail with ANY of my updated credit information with ANY of my listed accounts on my profile like I requested. They only sent me a report of an account that was listed in my dispute form in error that I did not mean to dispute with Equifax that was sent on XX/XX/2019. That account was XXXX XXXX. I attached the document of the equifax response regarding my dispute. There was also a medical collection account named XXXX XXXX XXXX that was deleted from my equifax report and I did not receive that information on my updated credit report as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors 1.XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported in XXXX, XXXX, 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. 

XXXXXXXX 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: Mortgage

On XXXX XXXX, 2015, I mailed a qualified written request ( a " QWR '' ) to my mortgage loan servicer, HSBC, in which I requested : ( 1 ) the identity of the owner of my loan ; ( 2 ) any restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 3 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; ( 4 ) an itemization of any costs, fees, and expenses charged to my account since I defaulted ; ( 5 ) a description of HSBC 's efforts to establish live contact within 36 days of my delinquency to inform me about loss mitigation options ; ( 6 ) a copy of the written notice required under 12 CFR 1024.39 ( b ) ; and ( 7 ) a copy of the log HSBC maintains for the servicing of my account since the date of my default. This QWR was delivered to HSBC on XXXX XXXX, 2015. 

On XXXX XXXX, 2015, HSBC responded to this QWR by mailing me : ( 1 ) the mortgage, ( 2 ) the note, ( 3 ) the HUD-1, ( 4 ) the payment history, ( 5 ) Quick Reference Transaction codes, ( 6 ) the Truth in Lending Statement, and ( 7 ) loss mitigation letters. 

HSBC failed to provide me with : ( 1 ) the restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 2 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; and ( 3 ) a copy of the servicing log for my account since the date of my default.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act dictates that every single accusation of debt, be it true or not true it absolutely must be reported accurately, timely, and reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to inequivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation )! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in XXXX XXXX compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the XXXX XXXX compliance requirements from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have XXXX  days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, XXXX XXXX Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Please delete XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Terms Duration : XXXX That is not a accurate balance.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
DEPTEDXXXX XXXX Balance {$4300.00} DEPTEDXXXX XXXX Balance {$11000.00} XXXX XXXX  Balance {$0.00} XXXX XXXX Balance Owed : {$94.00} XXXX XXXX Balance {$25000.00} XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3300.00} XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX XXXX XXXX XXXXCompliance standards, then I contest the reportability of any such claim. The XXXXXXXX XXXX XXXX  stipulates that '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.Listed below are the Collections that are being challenged : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX completed an investigation of credit report, no resolution. Stated a company Lexis Nexis provided information. 

XXXX Lexis Nexis have no such information per a letter mailed to Me. Also inaccurate information still reported on file. XXXX XXXX complete investigation on XX/XX/23 but informed your company its still pending. Spoke to XXXX at Lexis Nexis, no public information regarding bankruptcies only insurance information and also address and phone records. XXXX Lexis nexis XXXX. 
FCRA 15USC 1681 a this is clearly a violation of this company. 

After your company notified them they adjusted my name as on your report to match information. I do not have a middle name NA. The letter from Lexis nexis contains a PIN number and hyperlink which displays all information held in Lexis nexis files. I have forward this info to XXXX as well. Still no resolve
Product: Credit reporting or other personal consumer reports

I have disputed this account several times in request to receive information from the original creditor. They are listed on my report as the original creditor and that in itself is FALSE. On each occasion I receive no information and the dispute is updated as not changed. This account reappears on my credit report each year with a new date in May and I have had no correspondence with the original creditor or them. With this information I can prove satisfactory payment to the original creditor which is NOT what is listed on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NEVER SECURED BUSINESS WITH XXXX XXXX, I HAVE NO RIGHT TO REPORT ON MY CREDIT REPORT. I MADE MULTIPLE ATTEMPTS DIRECTLY WITH XXXX XXXX, TRANSUNION TO PROVIDE ME DOCUMENTATION BEARING MY SIGNATURE, AND TO-DATE, ALL MY ATTEMPTS HAVE BEEN IGNORED. THIS IS A VIOLATION OF THE FCRA AND MUST BE REMOVED FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three hard inquiries on my bureau where I did not apply or give permission for anyone to apply for a loan in my name with XXXX XXXX, XXXX XXXX and XXXX XXXX that same day of XX/XX/2017. I have contacted XXXX as they are local and they did not have any documentation on me whether ink signed or Esigned. where I asked for credit. I have requested these three hard inquiries be removed several times from Equifax and nothing has happened. Please help me with this. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

I signed up for XXXX reward program credit card with Chase for three free nights certificate if spend $ XXXX within 3 months of the account opening. Within few weeks Chase offered exactly same credit card for five free nights if spend $ XXXX. Chase asked existing customers to call customer service if a customer wants to switch to new five nights to check their eligibility. I called Chase customer service on XXXX Sunday at XXXX and spoke with a lady from Chase XXXX I requested to switch my offer from 3 nights to 5 nights and the rep said everyone here knows the process. Please call us back as soon as you spend {$5000.00} within 3 months and we will file a report with our marketing department to get you 5 nights certificate. The lady put a note in my account that I intended to spend {$5000.00} to get the 5 free nights certificate. Account was opened on XX/XX/XXXX so I needed to spend {$5000.00} by mid XXXX to get the 5 nights certificate, which I spent ahead of the deadline to get the promised 5 nights reward certificate. 

Chase never issued me the 5 nights reward certificates, although I followed up with them few times. On XX/XX/22, I spoke with a Chase customer service representative and the rep said she read all the notes in my account and she said since they advised you to spend $ XXXX, I will escalated the issue and said they should approve as per the previous conversation customer already spent $ XXXX. Chase definitely should honor the 5 nights certificate to me as they promised and avoid discrimination as I was eligible for 5 reward certificates. Please kindly investigate the whole program for innocent customers.