23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error.

This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt.

If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish this inaccurate negative information to the credit reporting agencies.

The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States?

If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable.

Does this account include a finance charge? If so, does the finance charge include a premium the protects the creditor in case of default? Has any insurance been filed on this account? If a 1099c or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty.

Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. 
XXXX  companys policy does not supersede federal law. I am demanding this charge off is UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Credit reporting or other personal consumer reports

The vehicle was damaged due to hurricane XXXX. The insurance company stated that it was going to be a total loss. I had not received any written communication from the finance company about my loan what was paid to the loan my repayment options no information what so ever but they reported a late payment to my credit report and stated it was charged off. This is absolutely unprofessional and was mishandled by this institution. I want the derogatory remark removed and the item updated on my credit report to show it was totaled due to a storm. I want written correspondence that I should have gotten. Shame on XXXX XXXX XXXX XXXX. I just started the home purchasing process and this is ridiculous.
Product: Vehicle loan or lease

I paid off a loan XX/XX/XXXX, {$2600.00}. The loan dropped off my FTB app, and I got a letter confirming the loan was paid off. XX/XX/XXXX an autopayment sent from my bank by mistake, {$300.00}. FTB confirmed over chat that my account was closed and they would return my {$300.00}. I received only {$290.00}. When I asked why, they first told me the {$2600.00} had been refunded, I accrued interest, then I repaid {$2600.00}. I said they never refunded {$2600.00}, and I never repaid it later. Then they admitted what they said wasn't true, instead saying that I hadn't originally paid the " payoff quote, '' contradicting the previous explanation when they said I had originally paid the correct payoff amount. They also deny sending me the letter and confirming XX/XX/XXXX over chat that my account was already closed. They also insist I paid the {$300.00} XX/XX/XXXX, XXXX weeks before I sent it. They wrongly took my money, and they have changed their story multiple times instead of returning it
Product: Debt collection

In XXXX of 2010 I opened a contract with XXXX, under the terms that I can break the contract at anytime due to them wanting my business and I was preparing for a transplant. The manager their signed me up for a membership, and stated with proper documentation they will not charge me anymore once it came time for my XXXX. However after moving, and deciding to review my credit this account was sent to collections, and I was indeed charged. I reached out to the corporate office of XXXX of the XXXX where I originally had my membership, and they stated I had no negative account and I was cleared from their system years ago. They advise me to ask the collection agency to send me verification of this account. I reached out to Valley Credit Services and was told by a female customer service rep they do not talk to debtors, nor do they verify, I would have to contact the gym. How? The gym sent me to them, and stated the information was not in their system as me owing them anything.They would n't even give me the name of the person/persons sending them this information. I spoke with the general manager of XXXX, as well as the gym manager and neither said they had negative information on my account.
Product: Debt collection

I receive a letter from Radius Global Solutions. The company request to paid {$2100.00}, for account of XXXX XXXX. I never has account with this company.
Product: Debt collection

On XX/XX/2021 an account with the name of RECEIVABLES PERFORMANCE is reporting a negative balance of {$720.00} to XXXX XXXX XXXX of which I do not owe. I have never owed that company anything. This is harming my credit and I am unable to continue having a good future because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies contained in my credit report. Specifically, I am requesting the immediate removal of incorrect name variations and address listings that do not pertain to me. 

Name Variations to Be Removed : XXXX XXXX XXXX ( without XXXX ) XXXX XXXX ( without XXXX ) XXXX XXXX. XXXX XXXX, XXXX XXXX These name variations are incorrect, as my legal name is XXXX XXXX XXXX XXXX. 

Addresses to Be Removed : XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XXXX XXXX, XXXX, TX XXXX These addresses are not accurate or associated with my current or past residency. 

In support of my dispute, I have included relevant documentation to verify my correct information, including a copy of my government-issued identification and proof of residency. 

Furthermore, I am aware of my rights under the following laws and request that my dispute be processed accordingly : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 6802 ( Safeguarding of Personal Information ) Additionally, I reference the CFPB 's recent legal actions against Experian and Equifax, highlighting ongoing issues with inaccurate credit reporting practices. I expect compliance and correction from your agency without delay. 

Please update my credit file to reflect only accurate and verified information and confirm these corrections in writing. Failure to correct this information may result in further legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit card

I made a payment today XX/XX/24 for my full balance of {$430.00}. Capital one said it's fraudulent activity and wouldn't let my payment go through and restricted my account. I called about it and they said we had to do a XXXX way call with my bank to verify it's my account. We went through the whole process and then Capital one hung up and didn't let the verification process complete. I called them back and this time when they added my bank to the call she said they won't verify my account with a XXXX party on the line. Capital one then tells me I have to upload a bank statement to show that it's my bank account. This is ridiculous. I want my payment to go through and then I'm closing my account with Capital one. I have never experienced something so ridiculous that I'm restricted from paying my bill from an account that is already linked to them and verified and that I had recently made a payment of over {$300.00} to them with no problem. I think I've been compromised given the fact that the bank would not verify over the phone even though we supposedly had just done it. I am upset and I want nothing to do with Capital one. Let me pay my bill and close my account. They restricted it so I could not send a payment from my bank. Please help me with this matter. At 30 % interest they just want time to go by so they can charge me more interest. And they said they would call me at XXXX after they review my bank documents that I uploaded to them. No call and no payment has gone through and they still have my account restricted. This is crazy and a waste of my time just to pay my bill
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Account Number : XXXX XXXX XXXX I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged open account is being reported as an OPEN account by XXXX, but being reported as a CHARGE-OFF according to Experian. A Balance of {$420.00} is being reported along with it being reported as a CHARGE-OFF. The last day active is being reported as XX/XX/XXXX for XXXX, and XX/XX/XXXX for Experian. This account is also being reported as account number : XXXX  with XXXX as being open as well with payment history. This account should have no payment history this year because it is being reported as a charge off. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with ALL METRO2 reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX < -- This claim is not resolved. 
After being told if I refinanced my loan I would have PMI removed. Rocket suggested an appraiser that I used.

The appraiser appraised my property @ {$12000.00} ( 6 acres in CT ). After I discovered the error, Rocket suggested I pay for another appraisal. My annual property tax on the land alone is over 10X the value that was appraised ( $ XXXX attached ). Quicken told me to wait until XXXX XXXX was assigned to have it changed. 
After closing Quicken told me that it should have been changed before closing. QuickenRocket refuses to correct the problem.

I have a long email correspondence that I can forward that contains communication about the points listed above ( email thread uploaded with tax assessment value of local municipality & appraisal. After closing a % of PMI was added back on and the land value was never considered for 5 more years. 
The online ( XXXX etc. ) note the value of the property much higher than the appraisal that doesn't reflect the $ XXXX in remodeling I have had completed but still exceeds the 80 % needed for PMI removal. 
I have made 6 months of payments with PMI attached that would cover the cost of the appraiser.

Rocket originally told me there would be no PMI due to the value of the home but changed it at the last minute before closing. 
The home value has also increased since closing.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request assistance regarding the deletion of an account from my credit report. The account in question, Transworld Systems - XXXX XXXX XXXX XXXX was settled in full on XX/XX/2024, with the explicit agreement that it would be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX DEPT OF THE TREASURY Last reported XX/XX/XXXX XXXX Last reported XXXX  XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit card or prepaid card

Following are the sequence of events. 


XX/XX/XXXX : A payment in the amount of {$220.00} was made to XXXX XXXX insurance from my credit card ending in XXXX. 
XX/XX/XXXX : I called to put a hold on that payment in the amount of {$220.00} to XXXX XXXX XXXX because I thought it was fraudulent. 
XX/XX/XXXX : After realizing it was not fraudulent I called Chase credit services to cancel the hold and resubmit the payment. 
XX/XX/XXXX : My credit card was charged in the amount of {$220.00} for resubmission. 
XX/XX/XXXX : up to this date XXXX XXXX has not received any payment in the amount of {$220.00}. 


Fact remains that a payment of {$220.00} was made from my credit card which XXXX XXXX insurance claims they never received at their end. Both parties are at the denial stage. No one accepting any thing. payment has been deducted from my account but never received by state farm insurance. Chase credit card is not giving back me the amount. I have all the proof and correspondence with both companies. 


Please look into this matter and help me resolve it. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX, am disputing on my own with the help of no one. i have attached my ftc report and disputed please see attached evidence. 

It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.
Product: Credit reporting 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. 

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 has violated my rights. Or list of inquiries 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: Checking or savings account

On XX/XX/XXXX I tried to transfer money out of my savings account into my checking. It prompted that there was an error and to try again later. I tried again later that night and the same message prompted. I called the customer service line for Chime. They told me it was a special case and they will have a team reach out to me in 24 hours. The team emailed me saying the issue was resolved but it still wasnt working. I went through this again several more times and still no solution. They told me if I close my account it would be mailed to me. I closed the account and they only sent me {$3.00}. I have a total of {$2600.00} in my savings account. The check took a month to get to me and its not even the full amount. I called and they stated my savings account could not be closed. Again they have to reach out to their special team that fix this issue. Its XXXX and ive been dealing with this since XXXX. I cant pay my bills, buy groceries. Ive been saving to get a car and now I have no access to my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Product: Credit card or prepaid card

XXXX XXXX XXXX  cut avabile credit XXXX, after I paid card off and used it for a month on XXXX  limit was XXXX now XXXX I put XXXX through it today I get email notice that I'm {$60.00}. over the limit just made a XXXX payment on Monday, called them she said check credit report on XXXX XXXX it shows XXXX  and has been going up they show XXXX   and has for the pas few months, it seam that this is just an attempt to keep the debt ratio high, XXXX has done the same as the balance gets paid off the limit is lowered to maintain the same high debt ratio, this needs to be investigated, im sure ill get charged for a over the limit fee even though the lowered it with no notice XXXX   at least sent a notice.

if this would have happened before I completely paid the card off I would not think any thing of it funny I have a limit of XXXX now they shoe a balance of XXXX and say im over the limit paid another XXXX today, also what's with taking 5 to 7 days so show cred it out of my account the same day just XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX 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

XXXX XXXX XXXX  violated my rights and never gave me no opportunity to dispute. On XX/XX/2021. I received an email from national credit audit by collection agent called XXXX XXXX. A notice to pay a debt was issued and notice to dispute was not issued which is a violation of my FCRA as a Debt collectors must send you a written validation notice that states how much money you owe, the name of the creditor and how to proceed if you want to dispute the debt.

Months later I found out I have a collection on my credit report without giving me the opportunity to dispute. I tried reaching out to XXXX  via CFPB but was unsuccessful. This is a clear violation of my rights and this account MUST be deleted as the amount is invalid. It was stated I owe {$9600.00} but experian is reporting {$4800.00} or there about which deemed this account as false reporting and violation of consumer rights.

It was reported in three major bureaus and XXXX, XXXX has deleted the account for violations of my rights and experian seem to not doing appropriate investigation into major cases. Investigate this as this has been proving to be violation by other credit bureaus and experian wouldnt be an exception as they all abide by FCRA law! 
I have already filled a fraud report with FTC