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

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

Klima , Peters & Daly , P.A . are debt collectors who refuse to properly verify an alleged debt, as I have repeatedly requested the original signed contract as proof that a debt is owed. Instead, they decided to file a lawsuit. And their repeated and dismissive response to get the CFPB to close complaints against them is false : " Klima , Peters & Daly , P.A . ( KPD ) is in receipt of the complaint ( XXXX ) filed by XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX represents XXXX XXXX  XXXX, successor by merger or interest to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, in a collection lawsuit filed against XXXX XXXX in the District Court of Maryland for XXXX XXXX under Case Number XXXX. The lawsuit is ongoing and all outstanding issues are expected to be resolved through those proceedings. '' This issue is not expected to be resolved through court proceedings because they have asked the court to MOOT my motion to compel them to present the original contract agreement. In other words, they do not feel that they should present the original contract agreement to me or the courts although they are suing for an alleged contract. Make it make sense, please. I am demanding at this point that they explain why they will not properly verify the debt by presenting the original contract agreement, as they are in violation of the FTC and the FDCPA and each violation is a cause for monetary relief.
Product: Debt collection

Received a phone call from ( XXXX ) XXXX at XXXX hours this morning on XX/XX/year>. A female confirmed my name and stated the county in which I reside ( XXXX, NJ ) was going to serve me legal paperwork from HSBC ( presumably for a debt, since they are a bank ). She further stated I had previously indicated on a recorded line I was going to pay something through a portal and failed to do so ( which never occurred ). She knew my full name and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX-XXXX, XXXX XXXX XXXX  closed my account and removed online access giving me no ability to pay the account while XXXX. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of COVID was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX  XXXX XXXX  or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO  score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX  XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to COVID and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was XXXX. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.
Product: Debt collection

Complaint for XXXX/TD Bank ( via XXXX XXXX ) - I purchased a mattress with a payment plan. I did not receive notice that the payment account was set-up and due until the first due date had already passed. I went online and paid the monthly payment of {$60.00} and attempted to set-up a re-occuring monthly payment in XXXX. I did not pay the late fee assessed because it was unwarranted. In XXXX I again had to go online and set-up the monthly re-occuring payment because it hadn't worked the first time and they were assessing me more late fees. Today, XX/XX/XXXX, I called them and learned that the monthly payment would not go into effect until XXXX, so I had missed the XXXX payment and they are assessing me yet another late fee. Their online system is XXXX and very difficult to use. I saw confirmation of the monthly payment set-up when I did it, but now there is no trace of it on my online account, not under transactions, or payment, or pending activity, or anything. According to customer service, I just have to trust that it is set-up now. I do not understand their system. I think it is purposely intended to allow them to assess unwarranted late fees. I tried speaking to two different representatives on the phone and the best they could do was to remove 1 of the late fees, and ONLY if I pay the rest of the payment in FULL first. What kind of fraudulent practice is that?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 
5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.
Product: Credit reporting or other personal consumer reports

Dispute of Federal Student Loan Due to Lack of Proper Documentation Dear Sir/Madam, I am writing to formally dispute the validity of my federal student loan on the grounds that I did not receive appropriate documentation within the required timeframe as stipulated by federal regulations. 

Reason for Dispute : According to federal law, debt collectors, including government agencies, are required to provide written notice of a debt within five days of the initial contact. This notice must include specific information about the debt, such as the amount owed, the name of the creditor, and information regarding my rights to dispute the debt. 
I assert that I did not receive this required documentation within the stipulated timeframe. As a result, I am unable to verify the accuracy and validity of the debt. This lack of documentation impedes my ability to make informed decisions regarding my repayment options and obligations. 
Requested Action : Verification of Debt : Please provide a detailed account of the debt, including the amount owed, the name of the creditor, and a history of all communications and notices sent to me, particularly any initial contact documentation. 
Review of Compliance : Conduct an internal review to ensure that all procedural requirements were followed correctly, particularly concerning the timely provision of required documentation. 
Correction of Credit Report : If the necessary documentation can not be provided, I request that this debt be removed from my credit report immediately. 
Failure to provide the requested documentation and to comply with federal regulations may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek further legal advice. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue as quickly as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX ) Account # XXXX violated my rights. 

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

15U.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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} - The entire account status that is currently reporting on my own credit record is having a grave damage impact on my personal capability to obtain approval to obtain a new loan request, please be sure to have evidence that this has been recorded accurately in accordance with the Fair Credit Reporting Act procedures, it's really a very serious matter to miss-report. I desire to ask your verification of the above mentioned item also. If you can't examine this information as being 100 % exact I highly recommend you delete this straight away. 

MEDICAL XXXX Balance : {$56.00} - The actual account position which is recently reporting on my credit document is having a drastically negative affect on my personal chance to get hold of affirmation for just a new loan application, you should produce proof that this has been reported perfectly in accordance with the Fair Credit Reporting Act recommendations, it is a crucial thing to miss-report. On top of that I'm not thoroughly aware about the particular date opened therefore I prefer to request your verification with the formerly discussed item also. If you fail to prove this information as being 100 % precise please make sure you delete it completely! Thank you very much!
Product: Debt collection

I pay XXXX {$250.00} a month on a payment plan between my son and I. On numerous occasions, I would get excess bills or told I owed more than once in a monthly cycle. They take the money directly from my account automatically. Not once have I received a bill for what the collection agency is trying to say I owe. When I call XXXX, they stated I owed 3 different amounts and all went to the collection agency. When I look at the statements, none of them reflect the charges. I only received one bill from collections yet they state their are 3 different ones. If I am paying on a plan with the same company and have been for two years straight, how is it possible they can do this? I call and ask for statements showing the amounts and that they sent them to me. I still have no statements, no calls, no emails and nothing on my XXXX app showing the amounts. This should be completely illegal. I am a newly single mother with no help from the childs father.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I tried to remove a late payment from XX/XX/2020 on my Santander auto loan. This was the only payment I missed during Covid. I was told by the lady that took my call that they have to follow the FCRA rules and can not remove the late payment even if it happened during Covid.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones ' failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Credit reporting or other personal consumer reports

CFPB Complaint against Credit Reporting Agencies : XXXX XXXX, XXXX : XXXX ; XXXX : XX/XX/XXXX. The CFPB complaint has been filed to request pursuant to FRCA 605B ( U.S.C. 1681c-2 ) that you, Equifax, XXXX, XXXX XXXX reporting agency , block/remove 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. The fraudulent, inaccurate, and false information accounts are as follows : 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 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 XXXXXX/XX/XXXX
Product: Mortgage

Hello, I applied for Covid19 mortgage assistance at my bank, Wells Fargo, after they posted the availability of their program on their web site on about XX/XX/ 2020. They said that no late payment would be reported to any credit agency and the implication was that no negative affects would accrue to one 's credit report or Fico Score. The day before I applied I had a credit score of XXXX, on Wells Fargo site. THE NEXT DAY IT WAS XXXX!!! 
Now I just looked at my credit score on another web site, because they seemed to have removed the credit scores from the Wells Fargo site and it is XXXX!!! 

Clearly Wells Fargo lied to me and I want my XXXX credit score reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX of 2019 I received a statement that showed 5 different APRs on my statement and a fraudulent charge. At this time I disputed the information in its entirety in accordance with the Fair Credit Billing Act ( FCBA ) in which I asked for a request for clarification of charges and APR as I believe the bill to be inaccurate. Please Note that this dispute was done in writing to XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX in accordance with Page 2 of the Statement with the account information, dollar amount, and a description of the problem. In addition this was down over the phone to XXXX as specified in page 2 of the consumer statement. During this time Page 2 specifically states " while we ( XXXX XXXX  ) investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount ''. Despite XXXX XXXX  own written statements and contract they have continue to attempt to collect the amount in question and have reported me to the credit report agency as delinquent. As of the date of this complaint I still have not been updated in writing to the status of the investigation or whether or not there has been an error. Due to the amount that was disputed being reported in violation of the credit card agreement and Fair Credit Billing Act ( FCBA ) which states that a consumer " may withhold payment on a disputed during the investigation '' in addition the FCBA also states that " the creditor may not ... report you as delinquent ''. After XXXX XXXX violation the card agreement and the FCBA the consumer reported the issues the the credit bureau and XXXX XXXX  once again report this a consumer as delinquent again a violation of the credit card agreement and federal law. Throughout this process XXXX XXXX  has not conformed to the Credit CARD Act by actively attempting to shield transparency from the consumer. In addition XXXX XXXX  has not conformed the their credit card agreement pacifically section 9B " How to dispute reports regarding your account '' which states that they will notify the consumer of the results " within 30 days ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that have been listed on my credit report. The accounts in question are as follows : XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX late payment account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX collection account XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) collection account XXXX XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX ( Original Creditor : XXXX ) XXXX collection account XXXX  ( Original Creditor : XXXX ) XXXX collection account XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account I dispute these accounts as they are inaccurate and do not belong to me. I have reviewed my credit report and have found that these accounts do not reflect my payment history or credit behavior. I believe these accounts were reported in error and should be removed from my credit report. 

Furthermore, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ) Section 609. Under this law, I am entitled to receive a copy of any information in my credit file. I request that you provide me with a copy of the documentation that supports the validity of these accounts, including the name and contact information of the original creditor. 

If the accounts can not be verified, I request that they be removed from my credit report. I also request that you inform me in writing of the outcome of your investigation, and that you send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have 2 accounts with Credit Collection Services one is from XXXX ( # XXXX ) in the amount of {$300.00} and the other is XXXX ( # XXXX ) for {$190.00}. I have paid both of the debts in full and requested a goodwill deletion. They are however telling me that they do not do deletion just because you pay a balance. However I am working with XXXX XXXX to get my credit fixed for a mortgage and they told me that they get deletion letters everyday from this company that have deleted the account after payment but they will not do it for me. I have proof that they do in fact delete after a payment has been made so I am being treated differently than others and being discriminated against for some reason by them refusing to do the same for my accounts I would like these two reports to be removed from my credit because I have paid them in full just like they do and did with other consumers. I will attach proof that they do indeed delete reports from credit after a payment is made. But again they refuse to do it for me. This image I will attach is just from last week and was a recent client of XXXX XXXX who got the company to send a deletion letter because he paid his account in full which I have also. My credit advisor says he receives deletion letters from ccs all the time but they are refusing to treat me the same way as the person in the attached file and delete mine as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

A

few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.