23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I just filed a complaint against XXXX XXXX XXXX regarding these alleged accounts that they never sent me any notices of disputes for. They immediately had to close the account because they had zero documentation tying these accounts to me especially because I had insurance and was not seeking medical attention around this time. Once XXXX closed these invalidated accounts Avante has now picked these up and broken several of my rights. XXXX. There was no notice to dispute. I received nothing in the mail at all. 2. They are reporting these alleged accounts to my file at the SAME time as paramount. 3. They are also reporting duplicates. This has taken a toll on my credit score right around the time of me moving which has cause me major inconveniences! I know my rights as a consumer and I will use them! 

Absent validation, both your company and XXXX are in violation of Federal Law, for btu not limited to, continued collection activity on an invalidated debt pursuant to FDCPA 809. Validation of debts [ 15 USC 1692g ] ( b ).

My suggestion is that you return this account to the previous collection agency and demand your money back, and/or compensation for time wasted pursuant to the Qualifying RECOURSE accounts provision of your purchase / assignment contract.

If any information about this alleged debt has been reported to the credit bureaus, I demand that you delete that information immediately, or I will have no choice but to take legal action against you for knowingly Furnishing on verifiable information to the credit bureaus with the sole purpose of tarnishing my financial reputation. you have 5 days to remedy this matter.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 ( MONTHS REPORTING LATE ) 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had an account with XXXX. My relationship with XXXX ended in XX/XX/XXXX. I owed XXXX a final balance of {$600.00}. XXXX sold my account to a collection agency and the agency sent me a collection letter for {$600.00}. In XX/XX/XXXX XXXX attempted to take {$980.00} from my XXXX XXXX account without my permission. The account that they tried to collect the balance from was closed a month prior due to being compromised. XXXX realized they couldn't get money from my XXXX account so they withdrew {$980.00} from my Paypal Account making my Paypal Account {$980.00} Negative. I did not have the funds in my Paypal account nor did I have a backup funding source attached to my Paypal account which Paypal requires in order to complete transactions if there isn't funds in the said account. Please keep in mind that I did NOT authorize XXXX to withdraw any money from me. I opened a Case with Paypal to dispute that transaction. Paypal initially agreed that what happened didn't make sense, XXXX didn't have the right to touch any of my accounts without permission and without notice. Customer Service at Paypal also went on to say that they had no idea how the transaction even went through because if the Customer ( ME ) did not have a backup funding source ( Bank Account ) attached to their Paypal Account then transactions would automatically be denied if there are non sufficient funds in the Paypal Account to cover the transaction so Paypal ruled in my favor. They removed the negative balance from my account. About a week later Paypal sends me an email stating that they ruled in favor of XXXX because I signed a contract with XXXX stating that XXXX may take funds owed if I have a remaining unpaid balance. I attempted to fight this because it is unlawful. Paypal then told me to take it up with XXXX. My Paypal account is still {$980.00} negative and Paypal is threating to take me to collections. There are a few things very wrong here. 1. I owed XXXX {$600.00} NOT {$980.00}. I have it in writing. 2. XXXX did NOT have Authorization from me the Account owner to touch any of my bank accounts for payment. 3. Paypal should not have allowed the XXXX transaction to go through being that I did not have the money in my Paypal account. 4. Paypal should not have allowed the transaction to go through because I DO NOT have a backup funding source attached to my Paypal Account which is Paypal 's rule in order to allow transactions to post on my Paypal Account. I have been with Paypal since XXXX. This situation is so wrong on so many levels. I am praying that someone can help me get this situation resolved. My debt is with XXXX in the amount of {$600.00}. Not Paypal for {$980.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$770.00}
Product: Credit reporting or other personal consumer reports

The following account XXXX XXXX acct # XXXX was charged off as of XX/XX/year>. Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 



XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX  XXXX INQUIRY - XXXX  XXXX  - XXXX INQUIRY - XXXX XXXX XXXX XXXX  XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX  XXXX XXXX  - XXXX INQUIRY - XXXX  XXXX  - XXXX TRANSUNION INQUIRY - XXXX  - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX  XXXX  - XXXX INQUIRY - XXXX  XXXX - XXXX INQUIRY - XXXX XXXX  XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  XXXX - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX XXXX XXXX XXXX VA XXXX - IncorrectPersonalEmployers XXXX XXXX  - IncorrectPersonalEmployers XXXX XXXX - IncorrectPersonalEmployers XXXX XXXX CT - IncorrectPersonalCurrent addresses XXXX XXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXX CT - IncorrectPersonalPrevious addresses XXXX XXXX XXXX - Incorrect
Product: Credit card

Had a company raise the monthly fee without notice. No letter, no email, no phone call. I cancelled immediatly and they refused to give me the prorated. The space was supposed to be climate controlled yet no matter how much I brought it up, it was consitently over XXXX degrees with XXXX humidty. Opened up a dispute after they were making it difficult to get it fixed. XXXX, after months of being closed magically reopened with documention from the merchant that were out right lies. Claiming they were late fees without proof of such. Claiming they tried to contact me which they never did. I sent them proof of the payment should be. A chat log saying I should receive a refund in 48 hours.It should be a cut and dry case. Yet american express is a scam, and they exist only to waste your time and not protect the user.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Transunion completely disregarded the document that I uploaded as proof that clearly shows we made every payment every two weeks since we attained the loan. we have never been 30 or 60 days late. bank statement CLEARY shows this and the refused to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I noticed my credit score dropped XXXX points due to Franklin services adding an account for {$150.00} from XXXX XXXX XXXX. I called and spoke to XXXX XXXX XXXX  and they confirmed I do not owe them for any services. I called the credit agency that is reporting it-Franklin services and explained to a supervisor XXXX that this is a mistake. It is reporting on my credit report incorrectly as an unpaid balance when I do not have any unpaid balances with XXXX XXXX  XXXX. It is showing as a chargoff/derogatory account. They never attempted to even contact me prior to this to try to collect. If they would have attempted to contact me by phone or mail, I would have had the opportunity to explain to them the situation before they put it on my credit report. This violates my rights as a consumer and clearly shows shady tactics by this company to unfairly collect a debt without giving me the opportunity to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see documents attached. 

I have disputed Conn 's several time with proof and they continue reporting false information to credit bureau. Recently, in XXXX and XXXX Conn 's reported my account as current, XXXX Conn 's reported my account XXXX past due. The information is inaccurate. When reporting disputes to the credit bureau they do not consider evidence and allow a company to report whatever they want. I recently brought to the attention of Conn 's they were overcharging my account and payments they received did not match my record of payments, my account went into collections with Conn 's. I provided proof of all payments in XXXX and we agreed on a settlement. I have agreed to an amount that is fair, however, they reported double the agreed amount to the credit bureau. I have attached agreement letter, and amount from bank account to prove Conn 's is reporting the incorrect information on my credit report..
Product: Debt collection

In XX/XX/XXXX I noticed a derogatory account listed on my credit report, which had negatively impacted my credit rating. I discovered this was from a company called IC Systems. 
Upon calling ICS I was informed I had an outstanding debt of {$120.00} from XXXX  dating from XX/XX/XXXX. They said it related to my not returning broadband equipment, which I had. 
I asked repeatedly for them to provide evidence of this debt which they have not. I explained that I had been a XXXX  customer from XXXX to XX/XX/XXXX and therefore it was illogical that I would have debt with them during that period when my account was in good standing. They argued that as they were separate accounts ( one closed in XXXX and a new on started the same month due to moving home ) that it wouldnt show. It was confusing as I have never had any issue with my XXXX  billing. 

The representative on the call said that IC had written to me a few times in the past few months ( coincidentally since I closed my XXXX  account in XX/XX/XXXX ). I explained that I have been out of the US ( in the XXXX ) as a consequence of the coronavirus pandemic so hadnt seen the mail but asked to be communicated with via e-mail instead. He refused to have them e-mail me. On my opinion, in this day and age, there is no good reason not to write by e-mail. There is no more or less chance of risk than with a call or physical letter. It is a tactic on their part to draw me deeper in to problems. As a side note I believe the name IC Systems to be deliberately misleading too. It does not address the nature if their business and could be easily overlooked as junk mail or spam. 

In any case, the representative then asked if I would like to provide further details? I said no as the taped message at the start of the call said any information I provide could be used to pursue me and I dont want to be harassed. The agent said that isnt the case and they wouldnt use it for that. This is early contradictory and also doesnt reconcile with his earlier refusal to write to me via e-mail or to call my XXXX number. He then asked if I would like have to case reviewed, meaning it would be put on hold for a few weeks while it was assessed and no further action would be taken in the meantime. I agreed and asked for the evidence of debt to be sent during that process. 

Two days later they filed another derogatory account notice to my credit report. This company has now severely impacted my credit rating at a tome when people are struggling hugely. They still havent provided me with evidence nor reached out via phone or e-mail. 

I believe they have acted in bad faith throughout. They have caused me stress and affected my future ability to access credit. Their weekly credit updates are designed to weaken and pressurise the individual.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$2100.00} However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my wet ink signature, which purportedly confirms that proper notification was sent to me.
Product: Credit reporting or other personal consumer reports

15 USC 1681 b ( Permissible Purpose ) It is a violation for a company or the credit bureaus to report anything on your credit report without a written consent. I never provided any written consent to the credit bureaus or these companies to keep reporting this. It is identity theft and they have to be removed immediately from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I opened a credit card with Citi in XX/XX/2018, which is Citi Premier card. It says I would get XXXX bonus ThankYou points after I have spent {$4000.00} on this card within 3 months. Now I have met the requirement on time, but I haven ' t received the sign-up bonus yet. I talked to the representatives over the phone twice and tried to explained this issue but it is still not resolved. They told me that they will not give me the sign-up bonus because I have had this card before, but it was stated in the term when I applied for this card. I'm supposed to get the XXXX ThankYou Points bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my 27nd / WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them. 
XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
Product: Vehicle loan or lease

On XX/XX/XXXX, my extended warranty attached to my auto loan was cancelled with the car dealership. It has been XXXX  months and the refund has not been credited back to my auto loan. The extended warranty company ( XXXX ) has confirmed that a refund was sent to the dealership, but this refund has still not been credited to my auto loan. I have attached proof signed by me and the finance department at the car dealership detailing the cancellation of the extended warranty. I filed a previous complaint back in XXXX about the not being able to cancel my extended warranty. It has now been cancelled but I still have not received the refund for it. The dealership ( XXXX XXXX ) claims it was bought out and I have to reach out to their sister dealership ( XXXX XXXX ) for assistance but I was never informed about this by Chase.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. The account in question is listed as XXXX XXXX. This account was closed ( XX/XX/2024 ), and the balance should have been updated to reflect XXXX at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my credit score and overall credit standing. It also includes misleading and inaccurate information reported between the XXXX credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error. I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. Removal or correction of any inaccurate information regarding the balance on this account. Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I may be reached at ( XXXX ) for any additional information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute in reference to hard inquiry on my report dated XX/XX/2021. Ive had a conversation with capital one representative and couple days later, capital one reached back stating they dont see no inquiry on their end. I had to send in a dispute with XXXX and they verified that capital one ran my credit report on XX/XX/2021. They also stated it can be removed if capital one provides a letter stating the inquiry can be removed but capital one seem to be silent and not granting me the requested concern I asked for. This is violating of 15 U.S. Code 1679c.

Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank You in Advance for your Cooperation.