23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. 

Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. 

Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I discovered that there was Unauthorized charges done on my debit card and with drawls that were done, that I had not taken out. On line XXXX purchases in the amounts of {$31.00} that were made on XXXX/XXXX and lots more that were charged on my debit card. XXXX for the amount of {$200.00}. And more from there that I did not make. ATM withdrawals from XXXX in the amount of {$400.00} at a time that I did not make, on XX/XX/XXXX. And alot more of those that I did not make. I need help getting my money back. I filed a dispute on XX/XX/XXXX. However XXXX  XXXX  refuse to help do proper investigation. They said they denied my case because of PIN number being known. XXXX pills the dispute case and they still continue to deny, my case because whoever had all my information including my pin. I asked if I can see pictures of person who Withdraw money from ATM, but they refused to give me those pictures and just deny my case. Ive also given proof of me working my schedule And ask them if they could see if the transactions were made during some of the times that I was working to prove that I can be at two places at XXXX time they still denied my case. They want me to Re-appeal the case again.
Product: Mortgage

On XX/XX/XXXX, I sent a letter to the Chief Credit Officer with a copy to the Chief Legal Officer disputing certain negative reporting on my credit report related to my mortgage loan. I disputed a late payment on XXXX XXXX and another one on XXXX XXXX. I received a communication from the lender indicating that the XXXX XXXX payment had been removed, but the communication did not address the status of the XXXX XXXX dispute. On XX/XX/XXXX, I spoke with a representative regarding the dispute at which time they indicated that a dispute was being opened and that they would communicate their finding within 30 days. I received no update. On XX/XX/XXXX, I spoke with another representative regarding the XXXX XXXX late payment. I was told that because the dispute on XXXX XXXX, XXXX was verbal, the lender was not obligated to respond within 30 days. At that time, I told the representative that I had provided a written communication of the dispute previously. She gave me an email address to which I could send evidence of the written communication. On XX/XX/XXXX, I emailed the documents to the lender at the email addressed they provided to me. I called and spoke with another agent on that date and was told that the dispute was being elevated to the credit branch, and that they would get back with me. On XX/XX/XXXX, I called and spoke with an agent who transferred me to another agent, XXXX, in the escalation unit. XXXX indicated that they had responded to me in a letter dated on or about XX/XX/XXXX. When I pointed out that the XX/XX/XXXX letter only addressed the XXXX XXXX late payment, not the XXXX XXXX late payment, he indicated that it was " still a response. '' I told him that it was not a response, because it did not address the second dispute. I told him that they needed to remove the late payment from my credit file, since they had failed to respond within 30 days of the dispute, as required by the Fair Credit Reporting Act. He told me that they would not remove the late payment. I disputed the payments because the originator of the loan, XXXX XXXX XXXX XXXX, and the servicer of the loan, Nationstar ( now Mr. Cooper ) have long enjoyed a co-branding agreement where in they encourage customers to make payments via the XXXX website and mobile app. The servicer indicated during my communications that they record the payment as of the date it clears, not the date the payment is initiated. Because of the strong co-branding, most customers are unaware of the distinction.
Product: Debt collection

CAPIO PARTNERS has inserted an account in the amount of {$600.00} representing XXXX XXXX XXXX XXXX. I have never had any business or obligation with XXXX XXXX nor XXXX XXXX XXXX.NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed CAPIO of this status. CAPIO PARTNERS can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. CAPIO PARTNERS has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
Product: Debt collection

CAS had been trying to collect a utility bill that was discharged in bankruptcy. After numerous calls I finally mailed CAS written response in 2014 and the calls and letters stopped. 2 years later they report a collection to credit bureau and without written notice. I only find out during a family move and finance transaction - which adversely affect my moving and financing ability. CAS has not accepted any responsibility or demonstrated any willingness to resolve, correct or remove reporting. 
They will remove report if I pay them or prove to them that they made a mistake
Product: Money transfer, virtual currency, or money service

In XXXXXXXX XXXX I contacted ALLY Bank to advise the online transfer module was not working properly. When it still wasnt fixed, contacted them again XX/XX/year>. Two cases were reopened - one with the XXXX XXXX, reference number XXXX, second issue was not being able to edit date or amount on a recurring transfer, case number XXXX. I have been advised it looks like my account has been corrupted, yet ALLY Bank does not fix the issues. Today, XX/XX/year>, I can not view transfer activity history, nor upcoming recurring transfers. I can not view upcoming transfers today. New incident report number XXXX. At this time, we only have about a week for me to view, edit recurring transfers, some one time scheduled transfers, and now I need to transfer money to pay my accountant for income tax prep. I dont have funds elsewhere to pay this tax prep fee, nor the upcoming XXXX XXXX XXXXXXXX GA and XXXX XXXX GA property tax bills. With ALLY Bank not fixing the account, I dont know if the funds will transfer timely to pay all these bills or not. They all have due dates, interest or penalties. There are very serious ramifications for me here, and I am furious that ALLY Bank has not resolved these online banking issues. I have requested a member of management contact me with the date the resolution will be completed, and any work-around they can implement in the meantime, for me to be able to access these above-referenced funds timely, so that I can pay the accountant, and the city and county property taxes. Case number XXXX. Now, on the accountants tax prep bill, he wont file my income taxes for me, electronically, until he is paid. Well, that means the tax filing deadlines are tomorrow, XX/XX/year>! So, now ALLY bank will be responsible for late tax filing fees, since I cant access the tax account to transfer the funds to pay my accountant! This is all so unacceptable! Please advise if you can help me. If not, please advise me where to submit this complaint. 
Thank you!
Product: Credit reporting or other personal consumer reports

I mailed in a dispute letter because During the pandemic I had hardship due to loosing my job. I made accommodations with XXXX, and was assured the account would remain good standing during this time frame.

Under the CARES Act, I was entitled to certain protections, including forbearance options and relief from adverse credit reporting for accounts in good standing prior to the pandemic. I requested that these late payments are removed from the accounts and updated. These late payments are severely affecting my ability to obtain credit and are violating my consumer rights. 

I received notification from Experian that my dispute was complete and that these late payment would remain on my credit report, but they did not send me anything in the mail showing proper investigating into this matter or who they spoke with at XXXX.
Product: Credit card or prepaid card

I applied for PenFed XXXX credit card on XX/XX/XXXX and received the credit card on XX/XX/XXXX. When I activated it today ( XX/XX/XXXX ), I found that it is an annual fee charge of {$95.00} on XX/XX/XXXX. They did not notify me that I did not meet the requirement to waive the annual fee which they only said maintaining a checking account to waive the fee. There is no minimum to maintain the checking account. I contact the customer service, they told me the minimum in the checking account should be {$500.00} and another person told me that I should maintain {$500.00} daily balance for one billing cycle. They do not write these all on the advertisement and just change the words each agent while I tried to dispute the charge. They even charged the annual fee before my credit card is activated. Based on the term, they can not charged it before the card is activated. 
" ANNUAL FEE. ... This charge will appear on your periodic statement for the billing cycle when it first becomes effective. '' XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the effort done by the Credit Bureaus to remove some of the disputed accounts from my Credit report, but I still have remaining accounts that should also be removed under the provisions of the FCRA section 605b. The remaining accounts were also resulted due to identity theft and must be removed accordingly. I previously sent a letter addressed to the Credit Bureaus last XX/XX/2022 with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft within 4 business days after the day of receipt. I am submitting this complaint to remind the Credit Reporting Agencies of their responsibility to remove the disputed accounts under the FCRA section 605b. I need the following accounts removed as soon as possible : XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX/XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - Bankruptcy XXXX  XXXX Reference # : XXXX. If the Credit Bureaus insists that the Credit Bureaus that the disputed accounts belong to me, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus Claims. Under the FCRA section 605b, I need the disputed accounts removed from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refused to remove fraudulent information from my credit report after dispute ...
Product: Vehicle loan or lease

Dear CPS, I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. This inquiry, initiated by CPS Financial, was made without my informed consent and resulted from misleading advertising regarding credit card or loan approval. 

The details of the inquiry are as follows : Creditor/Company Name : CPS Financial Date of Inquiry : XX/XX/year> I was led to believe, through false or misleading advertising, that I was pre-approved or highly likely to be approved for a financial product. However, upon applying, my credit was subjected to a hard inquiry without my explicit authorization, and the application was denied. This practice violates the Fair Credit Reporting Act ( FCRA ), which mandates that hard inquiries can only be conducted with the consumers explicit consent. 

I kindly request that you remove the unauthorized hard inquiry from my credit report. 
I request its immediate removal from my credit report. 

Please provide me with the results of your investigation in writing within the 30-day period required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

frequent calls with unknown numbers of weekends and before XXXX also after XXXX. harassment of calls and texts. 

I have sent them a letter to cease and desist all communication in any matter and to any 3rd party not authorized by me in writing pursuant to the FDCPA 15U.S.C 1692c ( b ) ( c )
Product: Debt collection

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XX/XX/2022 I have no business with this company. I have never signed a contract with them and have never had any communication with this business. And they apply this collection to my credit. I have spoken to I.C. Systems, and they have told me that XXXX XXXX XXXX had made a collection against me under a name I do not use or have never used. They stole my information, found my date of birth, and applied it to my credit. 

GOLD DRAFTING Service I have never done any business with them, signed a contract with them, or spoken to them ; they took false information and gave it to XXXX. XXXX, XXXX, and applied the false amount to my credit. I.C. System, INC and XXXX XXXX XXXX  committed Identity Theif against me and put a collection amount on my credit. That I don't owe. This must be looked into so this doesn't happen to anyone else.
Product: Checking or savings account

Late last year I received an email offer from BBVACompass bank asking me " to come back ''. They offered me {$150.00} if I opened a checking account with them, made an initial deposit of {$50.00} or more, and had  XXXX  direct deposit of at least {$300.00} deposited into the account within 60 days of account opening. I tried opening the account online but the system directed me to go into a branch. I did that on  XXXX / XXXX / XXXX  and opened the account with the bran ch manager a nd deposited {$50.00}. A direct deposit of {$300.00} was made on  XXXX / XXXX / XXXX  from my employer and numerous calls and emails to them have resulted in multiple promises to deposit the {$150.00} into my account. Continuous run around and still nothing. It is impossible to speak to a representative that actually has the power to give me the money that I 'm owed. They are never " available ''. Early on in this process I phoned the  manager  who opened my account in my local branch, and he told me that he 'd heard from at least  XXXX  clients that are having the same problem. He told me that they were n't getting their cases resolved unless they had the original copy of the email sent to us by BBVA. I have a copy of that email and I 'm still not getting the money I 'm owed. This is known issue to the bank and yet they do nothing to fix it. Abysmal customer service. On a side note, I left the bank originally because they were highly inconvenient and had a poor online presence.     No business should be allowed to treat their customers in such a shabby way, at least without their being a public record of their behavior. I am seeing your help to get the money I 'm owed and log a complaint that hopefully encourages them to change their ways. Thank you in advance for your assistance with my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX disputes against National Credit Systems regarding a collection attempt for the XXXX XXXX. Per court order, my amount owed is {$920.00} in back rent. This also happened in 2017, which is outside of the Texas statute of limitations. All communication from this debt collection company has not stated this. When submitting the dispute, nothing was ever updated or corrected by the credit bureaus.
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XX/XX/2023
Product: Vehicle loan or lease

I purchased a car from us auto sales in XXXX  and they went out of business but now westlake portfolio management asking for payments to be sent to them and I dont understand how when us auto went out of business
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 Credit Bureaus several times asking them to look into and verify the inaccurate information on my credit report. Each time I have been told that everything is accurate and verified. I did a thorough research myself and found improper inaccuracies on the credit report after they stated they did their research. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

In am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed XXXX account that are XXXX XXXX accounts that was deleted on XX/XX/20 XXXX by TransUnion # XXXX. XXXX XXXX  -Account Number # XXXX XXXX $ XXXX # XXXX. XXXX XXXX XXXX Number # XXXX Current Balance {$25000.00}, and XXXX XXXX XXXX Account Number # XXXX Current Balance {$440.00} this inaccurate information is still reporting on my TransUnion Report. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have attached Evidence in this complaint, please see attached document.
Product: Credit reporting or other personal consumer reports

In XXXX, my account on my car, which was totaled, suddenly showed as being sent to debt collectors. I was never notified there was a balance, and indeed never even informed that a transaction had finally gone through from my GAP agreement. I had contacted XXXX multiple times in the month since the accident to get a copy of my original sales contract in order to settle my GAP claim and was ignored each time. Then, the account was marked as closed and the remaining balance discharged. However, nearly {$2000.00} was reported as debt against my credit this month, dropping my score unfairly by XXXX points. Additionally, they have sent me on a run around through three different entities trying to get a straight answer, and have quoted me three different numbers for the balance owed. This is dishonest and sketchy, and I still don't have a straight answer. The best evidence I have is from the holder of the GAP agreement themselves, who sent me a document showing that all remaining charges on my XXXX loan were paid off. This situation is particularly interesting since XXXX recently had to settle a big lawsuit over this exact subject.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Complaint : Subject : Violation of Consumer Rights by Portfolio Recovery Associates LLC Details : I am writing to file a formal complaint against Portfolio Recovery Associates LLC. This collection agency has violated my consumer rights as outlined by several federal regulations. The specific violations are as follows : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information before reporting a collection account to consumer reporting agencies. Portfolio Recovery Associates LLC has not provided such validation information yet has placed a collection on my consumer report.

2. Lack of Opportunity to Dispute : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given a chance to dispute the account. Portfolio Recovery Associates LLC has not afforded me this opportunity, which is a clear violation of my rights.

3. Use of False, Misleading, and Deceptive Means : The collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. This conduct is prohibited under the Fair Debt Collection Practices Act ( FDCPA ).

4. Unauthorized Furnishing of Information : Portfolio Recovery Associates LLC has no authority to furnish any account to consumer reporting agencies without providing all required disclosures as mandated by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Additionally, I am notifying Portfolio Recovery Associates LLC that : - I am disputing owing any and all debts to them.

- I am revoking all rights of Portfolio Recovery Associates LLC to communicate with me through email, text, or calls. All further communication must be in writing.

- I am requesting validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

- I am requesting the purchase agreement between Portfolio Recovery Associates LLC and the original creditor.

- I am requesting proof that Portfolio Recovery Associates LLC is licensed and bonded to collect debts in my state. 

These actions have caused undue stress and have negatively impacted my credit report and overall financial standing. I request that the CFPB investigates these violations and takes appropriate action to ensure that my consumer rights are protected. 

Desired Resolution : - Immediate removal of the inaccurate collection account from my consumer report.

- A thorough investigation into the practices of Portfolio Recovery Associates LLC.

- Assurance that Portfolio Recovery Associates LLC will comply with all relevant consumer protection laws in the future.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX