23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an alleged Debt with XXXX XXXX for an XXXX that was showing up on my XXXX   credit report. I sent XXXX XXXX a debt validation letter by certified Mail on XX/XX/XXXX. I have attached copy of certified receipt. 

XXXX never responded and the debt was deleted off of my XXXX Credit Report ( I have attached the letter of deletion from XXXX ). I was thinkng I have resolved this problem. On XX/XX/XXXX I received a letter from Credence Collection about of that same XXXX debt I do not owe and that was deleted off of my XXXX  Credit Report. 

We followed the same procedure and sent Credence a validation letter onXX/XX/XXXX they received my dispute letter on XX/XX/XXXX ( I have attached paperwork and certified receipt ). I never received any validation of this debt from them, then On XX/XX/XXXXthis dept reported on my XXXX  Credit report. 

They are not following the law under the FDCPA voilating my right under the FDCDA the right to dispute this debt. Credence never responded with any validation of proof to this debt. They never responded with any documents to prove this debt was a verifiable debt.Credence placed this debt on my XXXX credit report on XX/XX/XXXX.

Credence stated if I do not notify their office within 30 days after receiving this notice that I dispute the validity of this debt, or any portion thereof this office this office will assume this debt is valid. I did by law what is my right sent them a validation letter. 

Credence is in blatant voilation of the FDCDA. The fact that this debt was disputed and removed from my XXXX credit report. Sold to Credence and they still have not validated this debt with me and is using my credit report to pay a debt I do not owe. Please Please Please help me in this Matter.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report, and I noticed that I had two late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability and maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside of this complaint and on dates ( XXXX and XXXX  ). Please investigate and provide proof with a statement showing that these late payments were late. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you very much. Please see the screenshot attached
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Product: Credit card or prepaid card

I was subscribed to monthly payments from hand and stone spa without my permission. This began in XX/XX/2022 for {$69.00} a month. I tried to get a refund from spa itself and to stop payments but they would not stop, even after signing a termination form. Before this, when I would contact them they would either not send the termination form or say I didnt sign it, when I know I did. I then tried to dispute the charges with my credit card company, Capital One and they said it would be unlikely that I could do that. I uploaded proof that I had been scammed anyway. For this, I sent a copy of the original contract from hand and stone that I never signed, which would show that I never authorized payments. This was still not enough for Capital One and they needed additional documentation that I didnt have because it was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1000.00}
Product: Mortgage

In response to complaint XXXX : US Bank agreed to waive all late fees that had been applied to my account. I was assured this would be corrected by Thursday, XXXX. I logged into the payment portal tonight and I see they have applied another late fee, I can only imagine in retaliation to my complaint.
Product: Mortgage

Mr. Cooper advertises 24/7 customer service.

Yet Ive been waiting 3 weeks without any sort of response after a phone call XXXX. 

Mr. Cooper has threatened foreclosure proceedings in last dialogs. 

This breach is inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am contacting you today because I have a collection on my account for a company called XXXXXXXX XXXX XXXX. account number XXXX I have been going back and forth for this company for a while now. Today when I got in contact with them I was told that they no longer hold the collection to my account. They stated that they sent it to a company XXXX XXXXXXXXXXXX XXXX  XXXX XXXX. Then when I tried to get in contact with them I got hung up on. Then when i called back I got a voicemail stating it can take a few days to hear back. I just want to be done with this already. please help investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with Key Bank. They sent my a denial letter that started I had recent late payments, bankruptcy or judgement, multiple new open accounts, short credit history. To my knowledge none of this was correct. I pulled my credit report for all 3 agencies and none of these items were found. I contacted the bank and they told me they were looking at my report and could see these things so I needed to file a dispute with the credit agencies. I explained I pulled and printed my report and none of these items down so there was nothing for me to dispute. I asked for more information they refused to provide it. I asked for a copy of the credit report they were looking at they refused to provide it. The Bank Manager said I needed to come in with my printed copies I said absolutely when can I do that he said he didnt have time for this and hung up on my face. I called back and tried to speak with someone else I was told I would get a call back and never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is " XXXX XXXX XXXX '', I have been trying to request investigation and removal of inaccurate items in my credit report but none of my affords have been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Address reported** XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX These addressed are not belong to me XXXX i have attached proofs of my current address below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX How can there be XXXX $ monthly payment on a charge off and closed account. DELETE IT IMMEDIATELY!!! 
XXXX hard XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _CREDIT PLUS Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX BANK XXXX : XXXX. XXXX, XXXX All Banks UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _UNIVERSAL CREDIT SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. I also never receipt any writing mailed disclosure about this report according to XXXX XXXX XXXX ( a ) XXXX requires early warning notice ONLY after they have notified said person before it is placed on the credit report.
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 XXXX XXXX XXXX # XXXX, Account # XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

This company allowed someone to open several store cards in my name and every month I receive a notification saying im late on my credit report. I had no knowledge of this account until I checked my credit. I called them and they have n't resolved it yet. I also mailed a letter to credit bureau and the bank.
Product: Credit reporting or other personal consumer reports

I tried multiple times to call TRANSUNION over the phone with no success. I am writing to formally lodge a complaint against TransUnion regarding my inability to update my address due to their lack of response on the phone. 

I have attempted to contact TransUnion multiple times to correct an incorrect address on my credit report. Despite following the provided procedures and waiting on hold for extended periods, I have been unable to reach a representative who can assist me with this urgent matter. This incorrect address [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ] is affecting my credit report and may have negative implications for my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit information is accurate and up-to-date. XXXX failure to provide accessible customer service to address this issue is concerning and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Nations Lending pulled my credit report without my consent. When I contacted them, they stated it was incorrect pull and they would rectify the situation. Today, XX/XX/2020 I received a letter stating XXXX XXXX XXXX ran my credit from an old CLOSED account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to CoreLogic Credco/CoreLogic website : https : //www.corelogic.com/support/credco-consumer-assistance/ it states the following : " How can I obtain a copy of my Credco Consumer Report? 
If you would like to obtain a copy of your Credco consumer report, please contact Credcos consumer relations department indicating that you would like a copy of your consumer report. 

By calling us at : ( XXXX ) XXXX. Our customer service representatives are available Monday through Friday from XXXX to XXXX PST to assist you or By mail to : Credco Consumer Relations Department XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please be sure to include your first, middle and last name, Social Security number, current address, date of birth and signature on your request. 

To safeguard your personal information, we will need to verify your identity. See How Credco Verifies Your Identify section below which outlines the necessary documents for us to process your request for a copy of your consumer report. '' However when I called the number and requested my report I was told that I could not get the report because they are a software company. The representative stated that she could look me up to see if they had any information on file. She was able to locate a report from 2014. I asked the representative if she could provide me with my report that CoreLogic had on file. She said she could not do that. She stated that if someone pulled my report they would get current credit information and not the information from 2014. I told her I would like to see what they have and make sure the information provided was correct. Again she told me this was not possible to get my report from you. The Fair Credit Reporting Act ( FCRA ) protects consumers from inaccurate and fraudulent financial information that can affect their ability to get a loan or rent an apartment. Under the act, furnishers of information to credit reporting agencies ( CRA ) are legally obligated to provide accurate information and to investigate and correct any disputed information. The Furnisher Rule also holds any furnisher of informationeven those who only occasionally report informationaccountable to certain standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my credit a few months ago with Equifax. I was given a pin number to use. To be able to lock and unlock it. On yesterday I tried to unlock it. Instead of being asked for the pin number by the automated system. I was routed a representative. The rep told me that he was unable to unlock my credit because i didn't answer all of the questions correctly ( I didn't know the amount of some credit accounts ). The rep never asked for the pin number. I was then asked to mail in some information to identify myself. This makes no sense as I have been given the pin number to access my account I shouldn't even have to speak to a rep. Now I can't apply for credit in the time frame that I desire.
Product: Checking or savings account

I moved and called to close my account. I needed to money from the closed account to pay rent, but was assured I would receive the money in 3-5 days. I gave them my new address and they closed the account. At that point I was no longer able to see my account or access the app. Apparently they sent to check to my old address, their mistake. They wouldnt take any responsibility and would not stop payment on the check until 10 days had passed and then they would issue another check. I have bills to pay and can not wait for this to happen, especially when it was their mistake. They have essentially fraudulently stolen my money.
Product: Debt collection

So my wife and I switched from XXXX to XXXX, and XXXX advertised that " we 'll pay your early termination fee ( ETF ) ''. So we went there and we followed all the steps for them to pay our ETF, and now we 're getting calls from the CBE debt collection agency about a XXXX bill that was never paid. So I called the main office number and the female representative said I should of received a prepaid debit card with the money on it and that I should of paid the termination fee myself and use the card for what ever else. So when I called the store where I pay my bill at the male representative said " well, how it usually works is you pay the termination fee and we reimburse you with a debit card. '' I told him " that was never explained to me when I decided to choose XXXX and if that was the case, then why advertise that XXXX will pay your ETF when I have to pay it myself? '' The representative proceeded to tell me there is nothing tmobile can do for me due to it being passed the XXXX day limit to request a ETF yet I followed the steps that the representatives told me to do. Now my grandmother-in-law and myself have marks on our credit due to the lack of knowledge XXXX failed to provide me with and set XXXX up for failure and the false advertisement that they 're still advertising to this day. Can someone help me or at least point me in the right direction to take care of this problem?
Product: Vehicle loan or lease

I purchased a vehicle back in XXXX XXXX, with a down payment of XXXX. I have been having problems with mold growing on all the carpets of the vehicle and I already had to pay XXXX to replace the evaporator core that was leaking which the dealership notified me that it was not covered, also having A.C problems. They A.C will not get cold and back under the front seats the bracket that makes vehicle move forward and back is all orange and rusted which gave me a clue that this car was in a flood. I also tried to trade in vehicle which they would not approve me for another vehicle. I took some time to research the vehicles VIN # and found that this vehicle was in the hurricane Harvey flood back in XXXX   which the dealership failed to disclose this information to me. Now I'm stuck having a 7.5 year loan paying almost 28000 dollars for a vehicle that's already breaking down because dealership did not notify me on the condition of the vehicle
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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. 


( XXXX, XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I asked that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that the credit reporting agency. I sent several disputes dated XX/XX/2023, XX/XX/2023, and XX/XX/2023. But XXXX, XXXX, and Transunion have ignored my previous request and failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy that states under 15 U.S.C. 1681e ( b ) in the credit reports they publish. 
Under 15 U.S. Code 1681i, XXXX, Transunion, and XXXX have 30 days to complete the investigation from the date they received my dispute and send responses. However, I never received a response nor investigated the inaccuracy on my credit report
Product: Money transfer, virtual currency, or money service

My business computer was accessed and money was transferred from my bank account to Bank of America and XXXX XXXX. There are 2 names that the money was transferred to. One person lives in XXXX XXXX Your and one person lives in XXXX XXXX.
Product: Credit card

Someone used my bank of america credit card on XX/XX/year> for total {$30000.00} and i didn't know i had a balance until i noticed i started getting debt calls, i called bank of america to report fraud and they wanted me to file identity theft report which i did and sent it but they denied my claim saying i was paying minimum payments. I made those so it didn't affect my credit score while reaching to merchant who used my card the merchant tiktok didn't provide no info..why should i be liable for charge i didn't make or got anything delivered to my house. bank of america didn't do any investigation just outright denied my claim this is ridiculous
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX located in XXXX, Maryland. On XX/XX/year>, XXXX XXXX XXXX XXXX failed to report my correct credit card usage and balance to the credit bureaus. This oversight has caused a significant negative impact on my credit reports from all major credit bureaus. 

Despite my attempts to resolve this issue directly with XXXX XXXX XXXX XXXX, there has been no rectification of the error. The incorrect reporting has adversely affected my credit score and has caused undue stress and inconvenience.

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX XXXX XXXX XXXX corrects the reported information promptly. I also seek guidance on any further steps I should take to mitigate the negative impact on my credit reports.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue