23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reporting on this account indicates a failure to conduct a reasonable investigation as required by the FCRA.

TILA Violations Under 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement, which has caused unnecessary harm to my creditworthiness.

Late Payments Reported The following late payments have been inaccurately reported : 30 days late for XX/XX/XXXX These late payment notations are incorrect and do not align with my actual payment history. These errors have caused unnecessary harm to my credit score and have not been corrected despite multiple disputes.

Evidence of Error Although I do not possess payment records or correspondence from the creditor, the inaccuracies in the reporting are clear and should have been verified through a proper investigation as required under the FCRA.

Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation that the correction has been made.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as allowed under the law. 
Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I opened a new capital one 360 checking account to earn the {$400.00} bonus. I completed all of the requirements. One day, I used my wife 's phone to sign into my account, or tried to, since I didn't have the password saved on the device I was using I made multiple failed attempts to sign in and they flagged it as " unsecured '' and told me the security of my account had been compromised. I tried to call to explain and regain access to my account, but they instead closed my account. The whole situation didn't make any sense, I filed a complaint previously, but there is a new piece. They deposited the {$400.00} bonus into my account and I am able to see the funds in my account. I even receive monthly statements, for several months now. They are refusing to give me money that belongs to me, that is in my account, and is even earning interest. I've called many times, but they refuse to send me a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hope you are well.

We have had a GM loan on XXXX XXXX XXXX XXXX for 3 years. As of XX/XX/XXXX we owed approximately {$19000.00} which we paid off. The title was released after about a month. The credit report incorrectly shows loan still open and not paid off. This is interesting because if we had traded for another XXXX and financed with GM again it would have adversely affected our credit terms. This is neither fair or legal in my eyes. They seem to have a lot of undue manipulation in my credit report as well as my husbands. It shows that we owe {$40000.00} to GM and we owe {$0.00}. I expected GM to remove this as an open obligation and disputed 2 months ago. They will not respond. The truck has been paid off since XX/XX/XXXX, that is 5 months. Can you please assist? 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all other wrong names and addresses should be deleted
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/year> JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN, XXXX Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
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

It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus is required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. I need the following items deleted as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXX/XX/2020
Product: Credit reporting or other personal consumer reports

I noticed on my credit report, you have reported a charge off, which is that has been discharged. and you did a tax write-off. After contacting the IRS they stated that it is illegal for you to report this information on my credit report to try to collect or have a charge status. This is called tax fraud at the IRS and you will be reported for it. I urge you to remove this item from my credit report and file a 1099-c so I can review it to make sure you are in compliance. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. I have been directed by the IRS to file a Form 3949a, Reporting Illegal Tax Violations Against Your Business. I'm pretty sure your CEO or VP doesn't want to go to court over this. Companies violating any of the U.S. codes in the FCRA are entitled to actual damages and monetary compensation. 

Thanks, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

i have been with citizens bank for 16 years. i have a savings account that had a minimum amount required of {$200.00} ( which i did not know ). I went below the {$200.00} and was unaware that they were taking a service fee of {$4.00}. They claim that i was notified because they update their online banking with the statement. I was unaware of the statement and just realized that they have taken the fee five times. I contacted them, told them i was unaware of the low threshold for the bank account and notified them that i did n't realize that they update the online account with the statement. I requested a refund for the service charges and they would only partially refund the fees. I feel uninformed and ripped off by this bank. I spoke to a supervisor over the phone, XXXX XXXX, and he would n't budge. He stated that i should 've known these fees and statements were on the online account. I have a checking account with them and would 've had no problem putting the required amount in the account if i had only known. 

I do not get paper statements because they charge a fee. This is the only bank that i deal with that charges fees for paper statements. I am still owed {$15.00} which is n't a lot, although, this is a principle issue. I was an uninformed consumer and i had no idea that they were charging me fees. They should not be able to get away with doing that to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C. 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following transaction in question. Im a victim of identity theft and I dont recognize this transaction on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Cease and Desist Please be advised that per American Jurisprudence, 73 Amer Jur 2d, Sect 90-93, your company can not subrograte on any legal and binding contract that you were not originally on, did not have any interest to protect and then claim successor in rights and interests. 

Please send any and all validating information as to this debt, any form of id, signatures that I have signed with National Credit Systems , Inc in regards to XXXX. 

When XXXX sold the debt they gave up their rights to collect on said debt, but they did not and can not give away those same rights to ANY collection agencies.

National Credit Systems , Inc, can not act as a substitute for the original creditor.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have no knowledge of this account and this is ruining my life. Remove from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

NCRAs are not in Metro 2 Compliance, See attached.
Product: Credit reporting or other personal consumer reports

I am a victim of multiple counts of identity theft by an individual I filed police reports and an IC3 report against. In XX/XX/XXXX, a business credit card was opened fraudulently in my name. The perpetrator racked up {$24000.00} of charges in my name and in XX/XX/XXXX, I discovered the account and reported it as identity fraud to XXXX. In XX/XX/XXXX, XXXX denied my claim and I filed another one. I provided additional documentation, such as two police report numbers that I filed against the individual for an ongoing investigation of identity theft. I also submitted an FTC Identity Theft Report and IC3 FBI report, and proof of address to show that the business card was mailed to an address that was not mine. XXXX denied my claim again and stated that I was responsible for the debt. 

Evidence that the card was not opened in my name includes charges on the statements that show the perpetrator 's name. Also, all the purchases were made in a state that I did not reside in. Furthermore, the address on the statement is that of the perpetrator ( and not my address ), further showing that the perpetrator had the business card mailed to his address. 

I would like all three credit bureaus to remove this account from all of the credit reporting agencies. This has negatively impacted my credit score by XXXX points and XXXX has yet to do anything about the claim/provide further information about the investigation despite two months of me consistently calling and following up.
Product: Prepaid card

yesterday XXXX a company claiming to be PNC Bank offered me a loan by phone a Hardship loan which I have been applying for and being PNC Bank I knew they were local so I bought their story, went to my bank and ran it past them they thought it was legit so I went ahead and did their process by text and phone call instructions to purchase an XXXX XXXX gift card and then send them all the information to pay for the necessary insurance. Attached are the gift card both sides and the receipt for same and my bank statement going back to a transaction the hacking frauds returned. Today I went to PNC Bank when my {$5000.00} was not in the bank and discovered it was all fraud, so I went to my bank and did their process and I filed a complaint with the sherriff 's department. I contacted XXXX  the issuer of the card they are attempting to recover the charges placed on the card, my bank is willing to help me one person says I will owe {$360.00} and the other person says " We will handle it for you ''. If there's anything else you need feel free to contact me the toll free number if you call it they answer PNC Bank it's XXXX ( XXXX ) XXXX. I also have an extensive chat transcript with all the instructions they gave but I can't figure out how to attach it
Product: Debt collection

Collections from Phoenix Financial Services inaccurately reporting on my credit file. I have contacted the credit bureaus advising I am a victim of Identity Theft. This company has constantly called and mailed letters for a debt that does not belong to me.
Product: Checking or savings account

I was charged a {$45.00} fee on Money Market Account with Synovus Bank for over the limit internal transfers to my Synovus Checking Account. The Money Market Account was originally a Savings Account that was switched to a Money Market Account because I was told I had an unlimited number of internal transfers I could do on the account. I was mislead with the information that was given to me. This is the first time I have ever incurred a fee on this account. I contact the Synovus Office in XXXX XXXX, FL office and explained to them that I was given misleading information and they would not refund the {$45.00} fee that I incurred. If I had known of the internal transaction limit I would have not exceeded it. I knew there was a check limit, which I have NO checks on this account but was told I had no limits on internal transfers to my Synovus Checking Account. This is deceptive and misleading to customers of Synovus Bank.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Mortgage

In XXXX of 2020 I sent in a payment to establish my escrow account. I called more than once to verify that my escrow account would be established and they said it would be. I waited for my payment amount to change and after a few months of no change I called again. They misapplied my escrow payment to my principle, when they reversed the payment they also reversed my last three mortgage payments and then sent me to collections and sent letters saying that I was in default. I called multiple times trying to get the situation sorted out. I was told that it would be fixed by XXXX, it was not. It has finally been fixed and they took the correct payment over the phone. I called to make the XXXX payment and they are refusing to take my payment. They insist that they can not take a partial payment, even though they did for XXXX. They have messed up my account and have not been helpful. I can not understand how they are able to stay in business.
Product: Student loan

1. I was informed there are 24 months worth of payments made to my first loan services that must be manually processed 2. I was informed that the reason 84 payments failed to qualify for public loan forgiveness is because of a system incongruity AKA- system error. Therefore, those 84 payments must also be manually processed.

3. The reason those 84 payments were denied for the student loan forgiveness program is for being in an ineligible payment plan. According to the terms of the TEPSLS program, the information is incorrect- since being in a graduated repayment plan IS an eligible one under TEPSLS.

4. They said my case was escalated- but that they wanted to be realistic and honest by informing me it would be many months before the manual processors would see my case.

5. It took me 3 phone calls to finally get this answer. The first 2 representatives disconnected the call. I had no issues with the call on my end.

6. They said they were unable to explain what would happen on when they no longer service the US Dept of Ed loans. So- after all of this hassle, they wont do anything to help my case.
Product: Debt collection

On XXXX 4th, I pulled my consumer report and noticed there were inaccuracies on my report. I am unaware of this debt. I never recieved any type of notification that I owe you this debt. It is illegal to put something on my credit report that I did not have the opportunity to correct before you did it. If in fact you think you did send me proper notificaiton, provide me with the certified reciept that I signed that shows I was aware of this debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate information that Transunion has furnished on my consumer report has caused me to be denied my right to extend credit. I have attached the letter that has been sent to Transunion expressing the situation and I have also attached the adverse letters that I received when attempting to extend my credit. This has caused me emotional stress, financial stress and now I am starting to have issues with keeping food on my table to feed my family. I am reaching out to beg for assistance from the CFPB, I don't know what else to do. I have lost my vehicle, which was what got me back and forth to work so now I am unable to work, I am behind on my rent so I am in jeopardy of losing the roof over my head. I am in an extremely bad and terrifying situation. Please help me