23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Capital One lied in its answer to CFPB Complaint XXXX. Capital One stated it could contact XXXX bank to verify the account. Capital One refuses to do that. I have contacted both the fraud department and their customer service on XXXX multiple times practically begging them to contact XXXX. The one response I got they left a voicemail wanting me to call with my account info ready. I don't know why they don't have the account info already. After that I attempted to contact the fraud department to ask them to email me with a list of info they need so that they can contact XXXX bank. I haven't received a response. I don't know if someone straight lied or if someone just doesn't feel like doing what Capital One said they would do in their response to CFPB Complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Accounts were included in Bankruptcy & XXXX in XX/XX/2019. I have disputed multiple times bc they keep showing balances and charge off/collection status on experian report. The disputes found in my favor and updated them all to included in bankruptcy, but I'm going in circles bc then a few days later an account will go right back to having a balance. I call and then a rep will fix it then a few days later XXXX of the accounts will go right back to having a balance again. As of yesterday all of the accounts were finally showing as included in bankruptcy and now today again XXXX of the accounts shows {$82000.00} balance again! Can you please fix these accounts so they are included in bankruptcy & block these accounts from changing back again to the way they were prior to the dispute?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was already blocked by the FTC and outlined in my complaint the charges showing as charge-offs are not only incorrectly displayed but also the result of unauthorized charges the account was closed behind me because of it and the deposit held for the remainder of the charges by the bank
Product: Credit reporting

Hello, I have checked my credit score using XXXX. Here it was listed that I have an account with XXXX and a debt of {$2300.00}. However, I have never taken any credit or debt out. This is either Identity theft or a mistake.
Product: Debt collection

PATIENT ACCOUNT BUREAU. A medical debt was sent to collections. We have started paying {$150.00} a week. But since we aren't paying them the {$270.00} a week they wanted for auto debit, they say that they will continue to call. 

I have asked them to stop calling as we are paying down the debt. They say because we are mailing the payment in and not going through " their system '' they cant stop calling. And every time I call they ask for more money than we are already paying. 

Is this legal? We feel as if it is harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX XXXX card listed on my credit reports which I've disputed and the negative information still has not been removed. For one account it is listed as a charge off of {$2400.00} in XX/XX/XXXX, but with a credit amount of {$1500.00} that month and pays as agrees status through XX/XX/XXXX and a delinquency first reported on XX/XX/XXXX, but also first reported in XX/XX/XXXX. This is all incorrect, obviously, and should have been removed from my report. For the second account there is a charge off amount of {$2300.00} in XXXXbut with no balances for that year, only for XXXX and no available credit ever listed. I've repeatedly requested this negative incorrect information be removed as well. but it has not been.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Discover and explained to them that I am XXXX years old and my daughter is willing to help me out with a lump sum settlement. I explained that I have no assets and live on my social security only and that I will have no choice but to stop making payments or go into a bankruptcy. I was told by the representative and her supervisor that there are " no programs available. '' I informed her that I can not make the payments and I am willing to pay a lump sum and settle or stop paying and she said she noted the account but there is noting she can do. Her name is XXXX. I did not speak with her supervisor. I have made a good faith effort to settle this debt at XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX **** Balance Owed : {$230.00} XXXX XXXX **** Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My account with 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 XXXX AND XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Mortgage

I sent request for information, about payment reversal, without three day notice, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Greetings, On XXXX XXXX Ive received correspondence regarding my complaint regarding my consumer laws being violated, along with my credit report information being sold to third parties, expressing the bureaus/agencies ( XXXX, XXXX, and Equifax ) will need 60 days to respond with research or findings. Ive specifically given clear and concise instructions, just to receive this delayed reaction to resolution. By Law, The FCRA requires the national credit bureaus to complete dispute investigations within XXXX to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them, not 60 days. XXXX, Equifax and XXXX does it time and time again! The three major credit bureaus topped the list of complaints submitted to the Consumer Financial Protection Bureau in XXXX, ( thats you guys ) amassing nearly twice as many as the year before. Equifax let alone, has settled with the CFPB twice in recent years over allegations it harmed consumers and Im hurt! In XXXX, it paid XXXX} XXXX in restitution to harmed consumers, along with a XXXX XXXX civil money penalty, for alleged violations of consumer financial protection laws. In more recent years, XXXX, Equifax settled with the Federal Trade Commission, the CFPB and states for up to XXXX XXXX, to resolve allegations that it shared the information of 147 million consumers. With this being said, I would really appreciate the requests to be honored lawfully, without having to escalate to the Court of Law, where there are several civil penalties that have occurred against myself and estate. Please see my 609 letter attached.
Product: Debt collection

I was reviewing my credit report and see that a negative account that I have no knowledge of is reporting. I have never did business with Portfolio Recovery Assoc {$2400.00} nor know why they have access to my information. 
Portfolio has not validated the debt. They are violating my consumer rights and I need this removed off all XXXX credit reporting agencies IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/1979 I AM REQUESTING A PROOF OF CLAIM DUE TO FRAUDULENT ACTIVITIES ON MY CREDIT FILE. I REQUEST THE FOLLOWING ACCOUNT SEND ME LEGAL DOCUMETATIONS : XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX. 
This is this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

Nationwide continue to call and harass me everyday at home at my job trying to collect on a debt is was paid satisfied. 
This company is breaking the rules!!!! 

Under the FDCPA, debt collectors are not allowed to : call you before XXXX XXXX or after XXXX XXXX.contact you at work if you 've told them verbally or in writing that your employer does n't allow you to get such calls in the work place harass or abuse you or anyone else they contact about you. 
lie about the amount you owe use deceptive methods to collect a debt from you. For example, they may not : falsely claim to be law enforcement officers claim that you 'll be arrested if you do n't pay your debt threaten to seize, garnish, attach, or sell your property or your wages -- unless they are permitted by law to do it and intend to do so give false credit information about you to anyone, including a credit reporting companyuse a fake company name
Product: Credit reporting or other personal consumer reports

Violations by Midland Credit Management : ** Midland Credit Management has also mishandled an account on my consumer report. They have failed to provide validation information for the collection account as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite multiple requests for validation, they have not provided any documentation regarding the validity of this debt. Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account directly contradicts federal regulations and my consumer rights. Additionally, Midland Credit Management has engaged in deceptive practices by furnishing this account to consumer reporting agencies without providing the necessary disclosures required by law, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).
Product: Credit reporting or other personal consumer reports

To whom may concern, please be advised I have been discussing mortgage assistance options with specialized loan servicing from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXX XXXX XXXX and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate specialized loan servicing for their practices in general and in specific with mortgageassistance
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Fraud was reported to bank and ftc. Funds are still being withdrawn from the account ( s ). The account was supposed to he closed the first time i reported the fraud they stated it would yet my direct deposits, as well as purchases not made by me are also being continuously made
Product: Credit reporting or other personal consumer reports

I called and requested the information they had regarding this account that appeared on my credit i haven't received anything back and its been a full month. 

My identity was compermised in XXXX and i filed a police report but i was just informed how to properly report these issues, i am currently going through all the steps to fix this long going issue. 

accounts that were opened : US dept of EDXXXX XX/XX/XXXX {$7400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXXXXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$310.00} XXXX XXXX : XXXX XX/XX/XXXX {$680.00} US DOeXXXX XX/XX/XXXX {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are charged-off accounts being reported on my credit report after I've sent several written letters, most recently on XX/XX/2023, asking that the charged off accounts be deleted entirely from my Credit Report. 

As detailed by the IRS via www.irs.gov- a creditor files a form 1099c ( Cancellation of Debt ) when they charge off a debt greater than {$600.00}. When debt is written off by a creditor, the form 1099c classifies the written off debt as taxable income of the debtor. Thus, these charged off accounts have been added to my taxable income and I have paid taxes on said income. As a result, the 4 charged off accounts on my credit report must be deleted entirely, as they are inaccurately reporting these accounts on my consumer report. 

I have written to the Creditor asking that they provide me with a copy of the 1099c forms for each charge off on my credit report, so that I can forward it to the three Credit Bureaus as proof of the written off amounts being taxable income and I have forwarded the corresponding information to Equifax, XXXX and XXXX, to no avail. I have followed up in writing to the XXXX Credit Bureaus and the continue to update it as accurate. My consumer rights are being violated, as they are inaccurately reporting information on my consumer report.
Product: Debt collection

I used to live at XXXX place at XXXX gave them notice no time also asked them to walk throw the apartment apartment manager told me every thing is ok but after 3 month i got phone call from HUNTER WAR FIELD telling me i owe XXXX which is not true call apartment corporate office talk to corporate office told me if i paid this amount she is going to pull out from collection as soon as convocation end on XXXX, XXXX, 2017 paid this full amount now its show on my credit report collection on my XXXX and XXXX report. Apartment office never send me any bill but without knowing send to the collection.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported due to unauthorized access to my personal information, and they should be removed from my credit file immediately. 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XX/XX/XXXX {$00.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$36000.00} XXXX  XXXX  XXXX XXXX XX/XX/XXXX {$4500.00}
Product: Credit reporting or other personal consumer reports

Subject : Violation of Fair Credit Reporting Act ( FCRA ) - Request for Resolution Details of the Complaint : The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S.C. 1681. 
XXXX XXXX XXXX : # XXXX The following violations apply : 15 U.S.C. 1681 Section 602 ( a ) : This section guarantees my right to privacy. The dissemination of my personal account information has occurred without my consent, violating this right.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish any information regarding my accounts without my explicit, written instructions. No such authorization was provided for the accounts listed above.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including adverse information in a report that antedates the report by more than 7 years ( excluding criminal convictions ). Adverse information tied to these accounts violates this time limit.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person or entity is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishing of such inaccurate or outdated information has harmed my credit profile. 
Requested Resolution : I respectfully request that these violations of the FCRA be corrected immediately by : Removing the unlawful collections and adverse items associated with the accounts listed above from my credit report. 
Investigating and addressing the improper furnishing and reporting practices that led to these violations. 
Ensuring compliance with all relevant provisions of the FCRA going forward. 
I trust the CFPB will assist in holding the responsible parties accountable and ensuring that my consumer rights are respected.