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

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with capital 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 ( MONTHS REPORTING LATE ) 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. 


EQUIFAX 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: Debt collection

I attempted to reach out to this company and ask that they verify this account was mine. At this time I have received nothing. I sent a letter XX/XX/2018 and asked they show ownership. I reached out to the credit bureau and at that time was told I needed to speak with XXXX again and no response. From there I wrote another letter asking for this to be removed from my credit and contact with me cease. At this time I am currently getting threatening calls and was told the agency will contact my local District Attorney office and have me arrested.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Dear USAA Member Services, I hope this message finds you well. I am reaching out to request assistance with clearing and updating my profile to allow me to open a checking and savings account with USAA. An account was previously opened in my name in my XXXX XXXX  and subsequently closed on XX/XX/year>. 

I have already submitted my identification ( front and back ) and contacted your team regarding this matter. I have also attached a video for your review, which provides further details about the situation and confirms that I have made USAA aware of this issue. 

Please take the necessary steps to update my information and clear any existing issues in your system so that I can successfully open a new account. I appreciate your prompt attention to this matter and look forward to your confirmation of the resolution. 

Thank you for your assistance, and I look forward to becoming a USAA member. 

XXXX XXXX
Product: Debt collection

This company is not reporting my payment history accurately and its harming the potential of my credit.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken.To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 



Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information. 
3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I opened an credit card with XXXX XXXX  around XX/XX/XXXX or XX/XX/XXXX I called XXXXXXXX XXXX because my card was maxed out they said there were numerous internet charges for games made on this card. So I explained that they were NOT mine. XXXXXXXX XXXX service representative stated that I still had to pay for these charges. So I closed the card. I have recently found out from the NY State Attorney Generals Office that this was illegal for XXXXXXXX XXXX  to do this. Consumers are not responsible to pay for UNAUTHORIZED CHARGES made on a credit card. XXXXXXXX XXXX also has this phone called recorded in there data base as this conversation was recorded. Now XXXX XXXX  has sold this account to LVNV and they are reporting this debt on my credit reports. I have reported this to LVNV funding but they continue to ignore the law and keep reporting this on my credit reports.
Product: Debt collection

I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$290.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alleged client. I sent them a XXXX letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my XXXX letter and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XX/XX/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 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 XXXX XXXX
Product: Debt collection

After checking my credit report in   XXXX   XXXX  , i found a credit card account from  Capital One which i never opened and didnt know about. I called Capital one immediately and informed them of fraud on that account. Capital one s ent me forms to sign which i did and returned to them. They told me they would close the account and remove it from my credit report history. I was assured that the case was closed and complete.     On Friday   XXXX   XXXX   XXXX  , i found a letter in my mail box demanding payment for a ca pital one cr edit card. I checked my credit report immediately and found out tha t Capital One h as been reporting this account as negative for the last two years.I called  Capital One  on   XXXX   XXXX   XXXX   to find out what is this account is all about. I was taken from department to department with no help. Finall  y, the Capital One representative told me they dont own this account because they sold it to a debt collector.
The question Capital One was evading from aswering are : 1. If the account was reported as fraud i  n  XXXX  and   Capital One said it was closed, why did they keep it open and sell it 4 yrs later and report it to the credit report of the person who reported the fraud?
2. Why does Capital One keep on demanding payment from the person who was defrauded and actually reported the fraud?
3. Why cant Capital One send   demand letters for payment to the address they sent the credit card to?
Product: Credit card or prepaid card

I booked a trip through XXXX on XX/XX/XXXX of last year to go on a trip for XXXX to XXXX, XXXX on XX/XX/XXXX. The whole trip including flight, airfare and hotel was {$35000.00}. XX/XX/XXXX Hurricane Dorian ( category 5 hurricane ) hit the XXXX and sat there for several days destroying the islands, hotels and the airport was under water. Flights couldn't go in or out for weeks. We decided to cancel our trip on XX/XX/XXXX as no flights were going in or out of the country. We then received a notice from XXXX that we would only be credited {$1000.00}. They charged us {$100.00} cancellation fee for the hotel room even though the hotel didn't exist anymore and told us our flight was non-refundable. I immediately contacted Capital One to dispute the charges as I had paid with this card. Capital One reached out to XXXX and XXXX advised they would give us a flight credit with XXXX XXXX that had to be used by XX/XX/2020. Capital One then dropped the dispute and closed our case. In XXXX of this year we began planning another trip to use our flight credits with XXXX XXXX before they expired. That's when XXXX happened and XXXX closed its doors. Their website said to dispute the charges with my credit card company but because I had already done that months before it's Capital One 's policy not to reopen the case. We also contacted XXXX XXXX but they said that XXXX  still had our funds and there was nothing they could do- it had to be handled with XXXX . Now we're out an additional {$2400.00}. Please help us resolve this ASAP.
Product: Checking or savings account

Chase sent me promotional stuff and I followed opened checking and saving account. I transferred funds to both account as Chase instructed. 

after follow all the instruction, went to branch to verified identity But they closed my both accounts which have funds in it without any notice or a call. They told me they can close any account at any time in fine prints ( what kind of policy is this, there is no consumer protection at all ). 

They closed both my saving and checking and removed from my online dashboard so I can't access any of information and My FUND is GONE, DID NOT GET ANY MONEY BACK YET. It is more than $ 16k, now don't know where it is. CHASE JUST TOOK MY MONEY!
Product: Mortgage

I am refering to case number XXXX XXXX. The case was reviewed by the Mortage company and declined to offer a posible solution to avoid foreclosure. I disputed the response on XXXX/XXXX/15 with no other response.
Product: Credit reporting or other personal consumer reports

For some reason, I have been trying to establish credit for years. First it was reported I was XXXX Then it reported something else that completely stops me from getting any credit. But I see that someone else is getting invoices and products in my name somewhere. I just don't know what to do from here. I can't get any credit. I will never be able to purchase a home or anything else until this is investigated please. It's caused hardship for years.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute for Late Payment Reporting on Charged-Off Account Dear XXXX XXXX  Dispute Resolution Team, I am writing to formally dispute the recent late payment reporting on my charged-off account that is currently in collections. After initiating a dispute for incorrect information on this account, I was pleased to see that XXXX XXXX updated the information on XX/XX/XXXX. However, my satisfaction was short-lived, as on XX/XX/XXXX, you reported a late payment on an account that has already been charged off and is in collections. 

This late payment notation has had a significant and detrimental impact on my credit score, causing it to drop by XXXX points. As a result, I have lost my pre-approval letter, which was crucial for providing for my family 's needs. This sudden decrease in my credit score is creating substantial financial hardship for me and is negatively affecting my livelihood. 

I urge you to investigate this matter urgently and rectify the situation by removing the late payment notation from my credit report. It is essential to correct this error promptly to restore my credit score to its previous status and enable me to regain my pre-approval letter, which is vital for my family 's well-being. 

I am prepared to provide any necessary documentation to support my dispute and facilitate a swift resolution. Please consider the significant impact that this late payment notation has had on my financial situation and act promptly to rectify this issue. 

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

Sincerely,
Product: Debt collection

Today ( XX/XX/2023 ), I received a letter ( copy attached ) dated XX/XX/2023 from LL Bean Mastercard ( issued by Citibank, N.A ) about my former account ending in XXXX. 

I closed the account shortly after becoming a victim of XXXX loss/theft and identity theft over a year ago, as I have advised Citi many times. I made a police report of the phone theft shortly after it occurred ( but was not aware of the identity theft ). 

I can not attach a copy of the report. My request for it was denied because the suspect was a juvenile ( see attached copy of the denial ). 

In response to the instructions in Citis latest letter, I called Customer Service ( XXXX ) and spoke with XXXX. She advised that a charge for XXXX antivirus, which I did not order, had been removed from my account recently, per my repeated requests for a mere year. 

Next XXXX informed me that I have a balance due of {$150.00}. When I asked why, she stated it was for finance and service charges, which had accrued on the recently removed XXXX antivirus charge. XXXX acknowledged that it should have been removed along with the bogus antivirus charge and put me on hold while she consulted her supervisor. 

I waited on hold for 15 minutes ( the entire call was half an hour ). The. XXXX advised me to call the security team on Mon. XX/XX/2023 as they do not work on weekends. 

Having been tormented grotesquely for attempting to communicate with Citi for over a year, I am not calling the security team, in which I have no confidence, Monday or ever. I have no complaint about XXXX, who was perfectly nice. 

My complaint is with the dysfunctional, dystopian, autocratic, techno-bureaucratic corporate-XXXX harassment to which Citi subjects me month after month after month. I am not paying {$150.00} or any amount of finance/service charge on a disputed underlying debt, which does not really exist, as Citis removal of it confirms. 

Please require Citi to stop trying to collect these illegitimate charges from me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. XXXX and XXXX continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX XXXX  XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX XXXX XXXXXXXX Is missing payment history, shows inaccurate information and shows late 120 days back-to-back months. Please provide physical proof this account belongs to me or remove it! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
Portfolio Recovery Associates # XXXXXXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  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 that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

This company reached out to my boyfriend after he added me as a signer on his account. When they made contact with him they told his they needed to speak to me when he said he was not me. They told him that owed them over {$600.00} and that they needed to talk to me. He is not my husband or related to me he is my boyfriend. He was not someone I wanted to know if I do or dont owe them money.
Product: Credit reporting or other personal consumer reports

Let me be very clear : the reporting of a debt from PORTFOLIO RECOVERY ASSOCIATES on my credit report is unlawful and a blatant violation of both federal and state laws. 
This company is not licensed to collect debts in the state of PENNSYLVANIA nor OHIO yet they have the audacity to report an account and attempt collection. Under the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 5 ) ( 15 U.S.C. 1692e ), it is illegal for debt collectors to use deceptive or misleading practices, including attempting to collect debts when they are not licensed to do so. Their actions also violate my state 's specific licensing requirements, which I have attached proof of. This is not just a dispute-this is a demand for immediate action. You are required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 15 U.S.C. 1681i ) to conduct a reasonable investigation of this dispute. Failing to remove this inaccurate and unlawtul reporting will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. I expect you to delete this account entirely from my credit file without delay or l sue for {$500000.00}. I have attached all supporting documentation, including proof that PORTFOLIO RECOVERY ASSOCIATES is not licensed in my state and therefore can not legally collect this debt. I am watching this matter closely and will not hesitate to escalate if my rights are ignored. 

In addition, the reporting is false, this account is in Portfolio XXXX possession without my consent and correspondence to inform me my rights etc. I have no contract with Portfolio Recovery. 

This account is also double reporting and reporting falsely. It was removed permsnently by XXXX XXXX and now its back on my credit. 

Its also reporting falsely and should have fallen off after XXXX years! This account was opened in XXXX but its reporting that it was open XX/XX/XXXX. 
and the amount is incorrect. This is a violation of several laws! 

You have XXXX  days to resolve this dispute and confirm the removal of this invalid account and not report again or buy accounts in my name in the future!. In addition I am demanding {$1000.00} for your violations within XXXX  days! 28 USC 1346 ( b ) says if requested youre obligated to remedy your violations! Sent by check or direct deposit. 
I have attached a screenshot of all states in which you are licensed!