23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mailbox, much like a desolate wasteland, remains barren of any clarifying documents or details that might shed light on the purported resolution of this matter. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite the passage of more than 30 days, a time frame that surpasses the limits imposed by the Fair Credit Reporting Act ( FCRA ), I am disheartened to note the absence of verified information regarding the disputed fraudulent account. It appears that the bureau 's investigative prowess has yet to unearth the essential details needed to substantiate the accuracy of the reported information. I find myself caught in a paradoxical situation where the bureau asserts the accuracy of the information it continues to report, yet the very essence of accuracy eludes the confines of verification. It is akin to claiming to have found the missing puzzle piece while steadfastly refusing to place it in its rightful position. 
XXXX XXXX- PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
In light of the aforementioned circumstances, I must reiterate my unwavering insistence that the fraudulent account be promptly removed from my credit report. The continued reporting of this account without valid verification not only contravenes the principles of fair and accurate reporting but also perpetuates the stain on my creditworthiness.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  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 those account 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. 


XXXX XXXX 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: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

XXXX XXXX XXXX XXXX Included in Bankruptcy {$0.00} U.S. Bankruptcy Court 1615248 Bankruptcy {$0.00} XXXX XXXX | XX/XX/2023 Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

These accounts are also past the legal time to be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I asked Toyota Financial Services for refunds on prepaid services on my XXXX XXXX XXXX. The Dent Care and Tire Care features were prepaid to them when I purchased the truck. The company said that if in the future I wanted to cancel these features I could and the refundable monies Would Be applied to the principal of my loan. I asked for these two to be canceled and Toyota Financial applied them to my payments cancelling my automatic payment cycle and placing me into late payments status damaging my credit. I called XXXX XXXX at XXXX XXXX who claimed I was ok and everything was good. Not so!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent Experian certified mail to remove Dispute Comments on two ( 2 ) accounts. As of today the disputed comments are still showing on my Experian credit report. I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts listed below with immediate effect. The accounts are no longer in dispute. XXXX XXXX, account XXXX. XXXX and XXXX XXXX XXXX, account XXXX. XXXX.
Product: Credit card or prepaid card

This chase business card was fraudulently used to make purchases. I reported this to chase and they did not remove these fraudulent charges from my account. The whole balance of {$8200.00} was due to fraudulent charges. Chase continues to report these fraudulent charges on my personal credit report, damaging my credit. This is my last attempt to get these fraudulent charge resolved before seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX credit card services is reporting to all 3 credit  agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and XXXX XXXX. I never guaranteed the debt or made the charges on the statement. XXXX XXXX refuses to admit the business is closed and wants to damage my credit score. Debt collection agency realizes the charges are not mine and refuses to collect the debt. XXXX XXXX  ignores all phone calls period.
Product: Debt collection

I was unable to pay a credit card debt of XXXX in XXXX tried to make arrangement with the Credit card company ( Target National Bank XXXX. They would not help me to resolve it. they instead charge me high fees due to delinquency. 4 years later XXXX I received a judgement. I never received a notification of subpoena XXXX. I went to court and I was told I owed XXXX. I informed them that was not what I owe. I informed them that I owed only XXXX. I was not sure how it doubled. I declined the debt in court. I found out later the subpoena was given to my mother in-law who has XXXX. I was never notified from her that charges was filed on me. if I ask today she still does not know of anyone bring documents to her. A XXXX was put on my home without my awareness. I only found out when I tried to do a refinance. XXXX another judgement was filed against me for XXXX plus other fees totaling close to XXXX. I request that the debt XXXX stop calling me due to the statue of Limitation in the state of Georgia. XXXX was removed from my credit report and I did not here from them again until this week XX/XX/XXXX. They have now filed a garnishment. for XXXX. This a large amount of money with no justification of the amount. Why am I still being threatened for a time barred debt that occurred over XXXX years ago. What can I do to make them stop. XXXX Statue of limitations on credit card debt is XXXX years, judgement are XXXX years. no payments were made from XXXX due to lost of business and hardship.
Product: Vehicle loan or lease

Late fees of {$15.00} per month on the account summary portion of the Mechanics Bank Auto statement, but on the payment coupon further down the statement shows late fees ranging from {$15.00} ( correct late payment fee ) on XX/XX/2022 statement, but each statement after XX/XX/2022 having overcharged with the highest amount being {$75.00} on the XX/XX/2022 statement. 

I've been trying to catch up on payments on my account but the varying fee amounts are making me fall further behind. On the XX/XX/XXXX payment due date coupon, it shows {$75.00} in late fees. On the XX/XX/XXXX payment due date coupon, it shows {$60.00} in late fees. Then again in XX/XX/XXXX, it shows {$60.00} in late fees as well. On XX/XX/XXXX it shows {$45.00} in late fees. XX/XX/XXXX shows {$30.00} in late fees. XX/XX/XXXX shows {$15.00} in late fees which is the only month where it seems correct. Every other month it seems like it was being duplicated two to five times what it should've been. 

From what I understand, late fees are {$15.00} per month according to the account summary on the estatements but I've been overcharged by quite a bit for the last five months. 
XXXX - {$75.00} late fees minus correct {$15.00} late fee = {$60.00} overcharged XXXX - {$60.00} late fees minus correct {$15.00} late fee = {$45.00} overcharged XXXX - {$60.00} late fees minus correct {$15.00} late fee = {$45.00} overcharged XXXX - {$45.00} late fees minus correct {$15.00} late fee = {$30.00} overcharged XXXX - {$30.00} late fees minus correct {$15.00} late fee = {$15.00} overcharged Total overcharged late fee amount = {$190.00} On the mechanics bank auto website account history it shows 5 late fee assessments of {$15.00} each, so I'm not sure why there are 5 months of 2x to 5x the amount of the original {$15.00} late fees added on to my minimum amount due.
Product: Credit reporting or other personal consumer reports

I sent a letter to all 3 major bureaus demanding that they remove any, and all late payments on my credit report. All 3 agencies received their separate letter on or before XX/XX/XXXX XXXX days from today. I checked my most recent credit report, and the payments still have not been removed. Per 15 US 1618b - Permissible Purpose of Consumer Report. The law states that ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX  XXXX {$39000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$250.00} XXXX XXXX {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian is reporting inaccurate information on credit report and will not remove the inaccurate information. XXXX ( dispute report number ) date dispute file is XX/XX/2017. Public Record showing bankruptcy filed with US BKPT CT VA XXXX. I contacted the the XXXX XXXX CT VA XXXX for verification of this dept.The court stated they cant verify this debt. Also the amount is showing bankruptcy file for XXXX $ who files bankruptcy owing XXXX $ in debt..No one!! I ask that this public record be deleted from my credit file immediately!! Under the FCRA information on your credit file must be accurate and verifiable from the source. US BKPT CT VA XXXX did not verify this debt to be true and accurate therefore it should be removed. The reporting source is reporting inaccurate information. Please remove this information immediately. Also this reporting violates the CDIA new public record reporting standards effective XXXX XXXX, 2017. Thanks XXXX XXXX
Product: Credit card

I was contacted by Ally collection department today, which is XXXX XX/XX/year> the agent whom I spoke with from the collections department attempted to collect the payment I had asked why hadnt I been contacted by the complaint that I filed for with the CFPB he told me that the complaint looks as if it was closed out on XX/XX/XXXX and it stated that it was completed. I have not received a letter and I have not spoken to anyone at the corporation as to how they were going to resolve the initial issue where they were sending me emails after a payment was already posted stating the payment hadnt been made, which prompted me to make additional payment which one of the payments would clear because I only had funding available for one and the other would come back is NSF, once the other came back more than once due to their negligence, they would close the account out and no longer allow me to make payments using the banking account. I have ran out of accounts to use because of their process and have asked that they add my banking account back so that I can make a payment without receiving a late fee was informed that this would happen on multiple occasions and it never happened which is causing me to collect assess of fees. Ive spoken to management and Ive spoken to about 16 agents nothing has been done.
Product: Credit reporting

i have several items that do n't belong to my credit history i have called and have sent all required info my ssn card, my drivers lic, anything they ask from me. please help me. 
these are the accounts that do n't belong to me XXXX i have called all these companys several times with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and XXXX. I disputed this account with no validation. They are furnishing information that has never been validated and they are also furnishing inaccurate information such as Account detail differ XXXX has incompleteness. Date opened dates differ all three bureaus. High credit XXXX incompleteness. Last reported dates differ. Comments all differ. Dates last active all dates differ. Last payment differ. 
Transunion payment history incompleteness accounts differs
Product: Checking or savings account

I tried to open an account but they told me i couldn't because of security. I reported that someone open accounts in my name that was not done by me. I don't understand why they told me I can't open a account
Product: Debt collection

On XX/XX/2015 my parents whom live in XXXX were contacted by a representative from Zenco. They claimed that i owed money on a debt that i never had and disclosed my whole social security number to my parents. They also said that they will be taking me to court in XXXX XXXX because of this. So i called this number ( XXXX ) and left a message stating not to call my parent phone again and not to call me regarding this alleged debt without sending me the following in the mail. The amount of the debt, the name of the creditor to whom the debt is owed, Proof that you are licensed to collect debts in XXXX, Proof of the last payment made on the account. I received a phone call on XX/XX/2015 at approximately XXXX Eastern Standard time and a gentleman claiming to be from there legal department stated that he could call my parents and whom ever else he wants even if he is told not to. He then said that " fraud '' charges would be filed in XXXX XXXX against me. When i asked him to send me proof of this alleged debt he refused to do so. I asked again and he still refused and said he does n't have to. I got got angry and used profane language and he said something i regards of my mother and that they would be taking my tax return.I then called back at XXXX EST and left a message stating that no more communication between them and anybody else is prohibited and that i will be making a complaint with the FTC.
Product: Debt collection

On XX/XX/2019 I sent a certified letter requesting that SW Credit Systems L.P. validate a said debt. They did not senders me any of the documents I requested for validation of the said debt. I did not request them To verify the debt they are attempting to collect from me. I specifically asked them for a signed agreement and other supporting documentation. They only provided me with a billing statement which isnt validation and does not prove that that Im am obligated to pay SW Credit Systems L.P. anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted and removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification of the account listed on my credit report under the Fair Debt Collection Practices Act ( FDCPA ). The details of the account in question are as follows : Creditor Name : CREDENCE RESOURCE MANAGEMENT Amount : {$2500.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you provide me with the following documentation within XXXX ( XXXX ) business days : The name and contact information of the person or entity that provided you with the documentation regarding this account. 
Details about any interviews conducted related to this account, including the names of the individuals interviewed, the dates of the interviews, and the nature of the information obtained. 
If you are unable to provide the requested verification within the specified time frame, I kindly ask that you remove this account from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received another can letter from XXXX and Equifax stating that they already verified the account listed below. But they never sent me any verification on this matter. 
This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
Chapter XXXX Bankruptcy Case Number : XXXX This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation.
Product: Debt collection

This debt is not mine please send proof of me signing for this alleged debt, This debt is hindering me from getting employment and housing during this pandemic
Product: Credit reporting

Equifax is reporting XXXX a count which does not belong to me in about of {$1200.00}. This is not mine. I disputed it with XXXX and they did agree and removed it from my credit report.
Product: Credit reporting or other personal consumer reports

FTC Identity Theft Affidavit Example Text : I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX ; Private SSN ), Consumer Date of Birth : 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 Experian credit reporting agency, block information appearing on my consumer credit report that is theresult 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 from XXXX {$6700.00} # XXXX opened XXXX, XXXX {$3300.00} # XXXX opened XXXX, XXXX {$4100.00} # XXXX opened XXXXXXXX XXXX XXXX XXXX  XXXX {$1100.00} # XXXX opened XXXX, XXXX {$3700.00} XXXX XXXX opened XXXX, XXXX {$5400.00} # XXXX opened XXXX, XXXX XXXX XXXX {$8100.00} # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} 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 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.

What would be a fair resolution to this issue? ( demand for relief.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX