23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONE customer service representative. 


I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score was lowered drastically more than XXXX points based in incorrect balances, incorrect credit limits and definite incorrect usage % They have provided data that clearly shows they are in error and have caused damage and personal hardship.
Product: Credit reporting or other personal consumer reports

This account has multiple inaccuracies and needs to be deleted off my report immediately as its inaccuracies is really effecting my credit report. I have attached and highlighted all inaccuracies this account has. This account is clearly in violation and needs to be deleted off of my report. 
The account is XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I certified mailed Transunion a Notarized FTC Identity Theft Report, along with a copy of my drivers license, Social security card, utility bill and cover letter. I called Transunion to check the status of the fraudulent accounts on XX/XX/XXXX. An agent said that the XXXX account listed on the Identity Theft Report was verified as accurate by the creditor.. I then mailed another letter to Transunion certified mail on XXXX XXXX stating " This agency ( Transunion ) is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately : This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately : '' I called Transunion again today and was told again that the XXXX account was verified as accurate by the creditor. I am soooooooo upset by all of this. I am a victim and Transunion is not following any of the laws as well as disregarding my documents I have mailed to them. Please make them remove/block this account.
Product: Credit reporting or other personal consumer reports

Each credit bureau is not reporting accurate information. The creditors are reporting this as charged off but they are showing a balance due no 1099 was ever received even though they reorted this as a bad debt none of the last dates active is the same Experian has the account listed twice as a repo but started reporting in XXXXXXXX XXXX XXXX  as a charge off XXXX has thus account listed as a charge off but has been reporting as a paid as agreed
Product: Money transfer, virtual currency, or money service

This complaint is with pay pal! i used pay pal to make a payment for a purchase! after doing intensive research of the website email provided online reviews i noticed that this may be a fraudulent website created by a very suspicious persons name i contacted pay pal but there is no one to help and resolve this problem they opened a case and said that i did in fact purchase something from that website and yes i did but after like i said doing intense research i have found out that this web site is fraudulent account as it appears! the shipping number in pay pal system is used from a prior completely diff purchase how can that happen when the seller should not know such info?! there is no live person that pay pal provides to speak with I HAVE NOT RECEIVED THIS ITEM AND TRYING TO ALERT EVERYONE ABOUT THIS PERSON!!!!! AND I WANT MY MONEY BACK!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the three Credit Bureaus Equifax, XXXX and XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Account never received my permission and is falsely reporting this Account on my credit report as a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

first and foremost I thank this company for keeping my information safe. The reason for my writing is to inform you that I wrote to this company on XXXX18 to request the removal of a fraud alert on my report. 

On seeing that they were not responding on my request. I even went a step further to call this company and they agreed to delete the Fraud alert only not to honor my request to date. 

I am attaching the request I sent them earlier as proof of my willingness to have this issue resolved. 

For yet another time please remove the fraud alert on my report as soon as possible.
Product: Checking or savings account

XXXX XXXX XXXX XXXX has a business checking account with Pacific Western ( 'PacWest '' ). On XX/XX/2022, PacWest was notified that check # XXXX, dated XX/XX/2022, amount {$470.00} payable to XXXX XXXX XXXX XXXX XXXX XXXX has been fraudulently cashed by PacWest. PacWest had issued {$7500.00} payable to XXXX XXXX. XXXX XXXX, management agent for XXXX, utilizes a number financial institutions and PacWest is the only bank where we have experienced multiple cases of fraud bringing into question the effectiveness of their monitoring procedures. XXXX XXXX ( XXXX ) XXXX of PacWest has stated in several emails that it general y takes 90 to 180 days to get restitution. That time has passed. XXXX XXXX ( XXXX ) was also contacted with no response. Several attempts have been made to get reimbursed with no success. At PacWest 's request, we enrolled in " Positive Pay '' a program provided by PacWest to reduce fraud. Although it is somewhat cumbersome, we do it as part of our fiduciary responsibility to combat fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On or about XX/XX/XXXX, I entered into a Short Sale with Nationstar. The home was listed at XXXX however, my realtor secured a all cash buyer on XX/XX/XXXX for XXXX. 
Nationstar drugged their feet in a effort to punish me because of my earlier legal actions against them which resulted in a reversal of their foreclosure. Nevertheless, 5 months later Nationstar began requesting updated information and the buyer went a extended vacation overseas, and was unable to be reached to provide updated bank statements to Nationstar. This situation was explained to Nationstar who was in possession of XXXX XXXX dollars verified funds. My realtor requested a postponement for the upcoming foreclosure sale, which Nationstar granted, however, they still proceeded with the foreclosure sale and asked that we disregard the previous message " sorry ''. I also recieved a Notice of a Foreclosure Sale which was not for my property nor was the Notice in my name. No one bidded at the foreclosure sale and Nationstar took it back for the original price of $ XXXX. I feel this was a effort by the foreclosure company and Nationstar to further confuse me. Nationstar has not re-listed the property for sale, however, they have changed the locks so I can not gain acessess to the home where I have at least XXXX worth of my belongings there. 
Nationstar nor their agent ( who does not have a listing agreement ) have possession of the property. California law regarding possession is quite clear.
Product: Checking or savings account

I have been out of a job since XXXX XXXX for medical reasons.My credit cards and car payment were over due by 3 months. I have my only checking account with First Tech and also a credit card and car loan where I have been a member for 20 years. I called the auto loan department on XX/XX/XXXX ( roughly {$3200.00} ) to ask for an extension so my car wouldn't be repossessed. I just started a new job on XX/XX/XXXX and it includes me driving around for business to business sales. I have direct deposit and was in communication to make payments with my direct deposit ( {$1000.00} ). They froze my accounts so I called again on XX/XX/XXXX. The woman was very rude and told me that the only way I can get my direct deposit was to have my job send my direct deposit to my savings account and she gave me the wrong account number. I got a loan from a friend and also sold my things and took work off to get this handled. So I had to take work off and brought a cashiers check ( {$4000.00} ) into the bank on XX/XX/XXXX. They could not unfreeze my accounts or give me any of my funds ( direct deposit or from the cashiers check ). They couldn't help me that day but said they were working on it. They did let me know that I would have to pay an extra {$340.00} for the investigator they hired to find my car even though I should have been current with the cashiers check. Since then I have gone into the bank on XX/XX/XXXX and twice on XX/XX/XXXX with still nothing resolved or access to ANY money. This seems wrong to withhold money from me considering I have been returning cans to put gas in my car and have been relying on friends for food. I am also a victim of XXXX XXXX  and have been diligent on getting my life back. 

Now my other credit cards are even more overdue even though I should be current and have money to not have them charged off. I also have not been able to receive the funds from my go fund me page or my tax return I should have gotten by now.
Product: Debt collection

AWA COLLECTIONS XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX account. {$570.00} past due as of XX/XX/2023. 

XXXX account. {$570.00} past due as of XX/XX/2023. 
Past Due Amount {$570.00} Original Balance {$490.00} 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection ( b ), ( c ) 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1692g - Validation of debts Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My privacy rights have been violated and so have my hippa rights as a medical bill is private personal information I did not agree for my personal information to be sold off to a third party collection agency I have never been to this facility Ive asked for the original proof of validity for this debt The address associated with this debt does not exist I have not gotten any notification of debt or collections from any of the companies requesting payment for the debt amount Yet its reporting to my credit profile without them verifying its validity to me AWA Collections is also illegally processing debt in a state it is not authorized or licensed to operate in AWA Collections is not authorized by NC to practice debt collection
Product: Credit reporting or other personal consumer reports

I am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report. 

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account Impact Receivables Management gets deleted. I contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched. In addition, in accordance with the Fair Credit Reporting Act Impact Receivables Management has violated my rights.

1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : 15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2. 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 3. 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I demanding this account be deleted.
Product: Consumer Loan

I have a car loan with Santander. I was behind on my payments but was able to get everything caught up over the past month. According to my online account I had paid the balance to XXXX. When I got my statement it showed that I owed the regular payment plus XXXX in additional fees that was owed. When I called in today the automated said that my balance was just this month payment and next month payment. When I actually spoke to someone she said that those fees are due even if it shows a XXXX balance and that the amount of fees on my statement is not what she is showing in the system. When I logged online today it shows that my next payment is not due until XX/XX/XXXX when I know my payment is due on XX/XX/XXXX and that my loan is current. I think that this lender is predatory and tries to make you miss or be late on a payment in order to collect fees. I started this loan XX/XX/XXXX with a XXXX balance as of today they are showing that my balance is XXXX according to the payment history ( attached ) and online ( attached ) and one my statement ( attached ) it is XXXX. How can this possibly be? I show a lot of my payments going to interest and zero to the principal. I think someone needs to look into their practice and how they are applying my payments as they are not willing to look at it or see what the issue is.
Product: Debt collection

I disputed the charges for two accounts on my credit report with XXXX. They verified the accounts and the collection remained on my account. I sent another dispute to request how they verified the accounts and asked for the accounts to be removed if there was no verification to be sent to me. Both collections have been charged off by the companies and neither have offered a 1099-C for tax purposes to prove the charge off to me. If the debt has been charged off and I haven't recieved a 1099, it should not be reported as owed to my credit report.
Product: Vehicle loan or lease

I purchased a car through XXXX, financed through XXXX ( now " XXXX '' ) in XX/XX/2017. I began making payments through the online banking feature at my bank. XXXX/XXXX has repeatedly " lost '' my payments, sometimes finding them days or weeks later and crediting them, late, after charging extra fees and interest. Often, when I call, I am immediately told that my account is " past due '' but there is no record that I have called multiple times about the same issues. This complaint concerns two specific payments, both made on XX/XX/XXXX. These payments, like others, have been " lost. '' I have contacted XXXX on multiple occasions, even sending them proof of payment, asking that the amounts be credited to my account. Their response is to keep charging me late fees. Now they are saying they got the proof of payment, issued by my bank and sent by me, but they want a copy of the actual check. I called my bank, and what they can provide me is the proof of payment I already sent XXXX. It includes the date, check #, expected delivery date, etc. This proof of payment should be accepted by any legitimate company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my report has caused undue financial harm to me and my family. 
Please verify and validate all data for this account every notation dates and balances whether reported or not and also I request you give me the name of the person in your company who verified the accuracy of these accounts this is Federal Law! The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 
Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking unspecified damages for the harm and delays. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Report where I discovered that ( CREDIT ACPT ) date opened ( XXXX ) a loan installment account was notated as a ( CHARGE OFF/COLLECTIONS/ REPOSSESION ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told Experian to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

MRS BPO is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.