23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband had a credit card with XXXX XXXX XXXX. He stopped paying his bill and the credit card company then reported negatively on my credit report. I called them on XX/XX/XXXX and was informed by them that this debt is a marital debt. They told me they can report this on my credit negatively if they so please and they do and they are doing just that. This was not my credit card. I never signed/applied for this credit card and they should not have had my social security number. 
According to my soon to be ex-husband, I was only an authorized user. He had to have given them my SSN. He has done a lot of things to create financial hardship for me since he filed for divorce and did not tell me until 4 months later ( 18 days before court ). 
My house is in foreclosure ( because he stopped paying the mortgage ) and he has stopped paying the time share also. 
I filed a dispute with Equifax approximately XX/XX/XXXX. 

FYI : XXXX is my husbands nickname.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is damaging my reputation and credit worthiness. Not only are they reporting an account that is passed the statue of limitation they are reporting inaccurate unverified information on my credit report. I have reached out to XXXX & XXXX XXXX several times with no help and send out letters. There is an inconsistency of reporting even just the account number, date opened, terms, payment status, date last reported, DOLA, DOLP, and payment history grid among other aspects question validity of XXXX  & XXXX XXXX.
Product: Credit card

On XXXX XXXX, XXXX, I order XXXX Vitamins via their website and selected " Rush Trial ''. After which the website added several additional products, XXXX and XXXX XXXX, to the order that I did not intend to order nor did I want. I immediately called the number listed on the website and cancelled the entire order. The customer service representative assured me the order was cancelled. However, I received a shipment of items from the company via mail. I refused the shipment and it was returned to the original sender. I was never issued credit for the XXXX items. I then filed a dispute case with my credit card issuer. The card issuer, US Banc Corp, issued provisional credit on XXXX/XXXX/XXXX. However on XXXX/XXXX/XXXX, the provisional credit was reversed and they indicated that the shipment was never returned nor was it cancelled. The history of the tracking number clearly indicates that the original sender received the item back and that the items were indeed refused.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX XXXX that is called XXXX XXXX XXXX. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
I previously reported this company for fraudulently reporting false information to the credit bureau and received a response that it would be corrected. 
I just pulled my credit reports and XXXX XXXX has now updated the bureaus that the account was closed XX/XX/XXXXXXXX XXXX XXXX XXXX I have made payments of {$6.00} per month with an annual fee of {$48.00} since that date. 
I called and tried to explain that this account was never requested closed by me and that if they had closed the account back in XXXX I am owed a refund of {$560.00} that was paid within that time frame. 
If it was not closed in XXXXXXXX XXXX XXXX  then this was fraudulently reported to the credit bureaus once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification of an account with XXXX XXXX XXXX which I could not recognize as mine. I also requested the same from the creditor, both in writing on XX/XX/2021 via USPS Certified letter requiring a signature. Not receiving any reply, I sent two more letters at 30 days intervals, again certified with signature, repeating my request and spelling out what laws were protecting my request and my right to an answer. Today, almost three months later, having received no response I decided to take action. I sent another certified letter to the creditor and the three bureaus requesting deletion of the creditor account for failing verification. 
I am filing this complaint to create a record in case they do not take action. In 30 days I will check again my credit report to see if they deleted the wrongful account.
Product: Debt collection

On XX/XX/2023 ; I received an US post mail send to my mailbox addressed to a person named " XXXX XXXX XXXX ''. This letter stated this person owed {$16000.00} to XXXX XXXX, XXXX and Kirschenbaum, Phillips , & Levy P.C. 
Attorneys at Law XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Reference : XXXX Trying to collect this debt. They did not providing proper validation of the debt at all. However, when I replied the letter stated they had sent to wrong person and tell them that my name is XXXX XXXX not XXXX XXXX XXXX. Those are NOT my debt. But after replied back with the letter telling Kirschenbaum , Phillips , & Levy P.C. they should do due diligence find the correct person, they still non-stop sending people on my door, threatening with legal actions. I think they just don't want to admit they have made mistake on wrong identification to avoid violation of the FDCPA. There must have some way to curb their bad business practice. Please help me to slove this ridiculous case and stop this company from intentionly using deceptive means to attempt to collect a debt. 


Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 60 days 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 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 8
Product: Debt collection

On XX/XX/2023, I called XXXX XXXX XXXX about a XXXX collection item I had wanted to set up a payment plan to satisfy fy debt, have account removed, so I could get a car and prepare for home purchase. I REPEATEDLY TOLD THEM ABOUT HOME/VEHICLE PURCHASE. So I set up the plan and then the representative said I have another account and when she told me the amount, I said no way ... I needed to speak to the company first to validate the debt, and dispute. The representative assured me the debt was not reported to my credit bureau, but 2 days later they put it on my credit report. Why did they trick me into thinking the account was not reported, but then report after I told the rep that I had to look into things. They were very deceptive and should be reprimanded. Now I'm forced to pay {$2300.00} for both accounts. They should have been transparent.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX AND 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: Checking or savings account

XXXX is a mobile app for investing in shares and I am trying to link my Capital One 360 account to the XXXX XXXX app, but Capital One is blocking my external link. 

XXXX is another a mobile app for investing, saving, and sharing. Capital One is giving me the same problem by not linking my bank account and card with XXXX  mobile app. 

I would like get this problem situation as soon as possible. 

Please advise, Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for American Express Credit Card on their startup program on XX/XX/2022. They said it would be soft credit check as advertised on their site. My call went to a different department where they took my application and did a hard credit check. Multiple AMEX agents confirmed that they would get my hard credit check removed in 90 days. 

It is still post 90 days and the hard credit inquiry on all three credit bureau still persists. AMEX other department approved my application but I didn't want that card and I wanted card under startup program so I declined the card and asked them to ensure that there is no hard inquiry on my file. 

Application Ref : XXXX When I called Credit Bureaus they said that AMEX has to remove these hard inquiry else it will stay there for 24 months. 

I have audio recordings with AMEX agents that confirm that they made a mistake in hard inquiry and it will be removed.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from US Auto sales, XXXX, ga in XX/XX/XXXX, 2 months later the business closed, and loan was transferred to Westlake Portfolio management LLC. During those 2 months I had my vehicle XXXX for late payments and was charged thousands of dollars for an extend warranty ( not usable ) and gap insurance which was cancelled when US Auto sales closed. In XXXX of XXXX, I contact Westlake Portfolio management to inquiry about account and specifically asked about the fees of loan since those products and services were cancelled and I received notice of new extend warranty coverage but there was a gap in coverage, during which time the vehicle became in horrible driving condition and needed major repairs. XX/XX/XXXX, when I reported major repair needed to Westlake portfolio management the stated their warranty should cover but it did not cover those months where gap was and with its filing limits, basically I was signed up to waste thousands more in non- redeemable warranty coverage, and still be responsible for repairs and car payment. Westlake Repo my car within days of reporting the repair. I was given a number to repo company so I could gather my things, but repo company never answered nor returned my calls. I feel taken advantage of by US auto sales as they close not even 90 days after my purchase without me knowing till there payment system stopped working in XX/XX/XXXX. 
Once Westlake took over account my account balance increased. I was repossessed when I needed major repairs, car repossessed without collecting my belongings, I did not receive a notice of sale of repossessed vehicle, nor a notice of repossession with redeem rights given, I did not receive a deficiency of balance. 
I have disputed with credit reporting agency but to no resolve and without accuracy the account remains on my credit report negatively affecting my ability to live and thrive using credit. 
Recently I was informed of Class action lawsuit filed by CFPB for these same things I experienced with both US auto sales and Westlake Portfolio Management
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I call in a dispute to Experian about XXXX XXXX XXXX XXXX XXXX .I called and asked customer service I needed verification proof..the guy tells me theres no such thing and I have to talk to the collection agency bc the original creditor don't have anything to do with the debt..so I clearly asked him how did I get verified if they don't have anything to do with it.He then said the collection agency verified it.I asked, so you let the people that's tryin to get money from me verify my information? Again I asked him was there any kind of way to get the letter..he tells me no again.I then looked up the process why he was on the phone.I then proceeded to read him FCRA Section 611 ( a ) ( 6 ) ( 7 ) stating that i have that right.He then proceeds and hangs the phone up.Couldve been a disconnect so I calls back. Another guy gives me same story..so I starts off reading him the FCRA Section 611 ( a ) ( 6 ) ( 7 ) Phone hangs up again. They telling me theres no letter to write or request so I figured I'll dispute it here and that way they'll have no choice to respond with the truth..This is not my first time asking neither.Everytime they respond back they say something but never send me the verification process..they only say I been verified.I HAVE THE RIGHT TO KNOW HOW Not only that.they are violating My RIGHTS. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section2. 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 items 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.So..CFPB could you please help me understand how they are getting away with this? They keep giving the same company draft excuse with no effort at investigating.
Product: Debt collection

I never received any notice that I can dispute the debt. I also went threw identity thrift which I now have a lock on my credit to prevent this from ever happening again. I never received information or the original contract with my signature on it from the original debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Vehicle loan or lease

I was not properly informed of how their daily apr. Charge works and how it can affect me Santander USA and the XXXX car dealer gave me a loan of XXXX XXXX for a car that cost XXXX when my income was only XXXX a year I want to see the original contract and credit check documents they provided to get me qualified for this loan I've been paying for over 2 years {$660.00} and yet still owe them {$26000.00} how is this possible it's a disgrace to our country this has to stop .I want to see all original documents of initial loan process that shows my income and salary for which i qualified for a loan of this stature.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Security Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Erroneous Account Information on Credit Report To Whom It May Concern, I am writing to dispute the inaccurate account information that your company has reported to the credit bureaus under my name. The account in question was added to my credit report without my intent to dispute, and your failure to properly verify this account violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

**Violations Cited : ** 1. **15 U.S.C. 1681s-2 ( a ) ** : This section mandates that furnishers of information must ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Reporting inaccurate information without proper verification is a clear violation of this requirement. 

2. **15 U.S.C. 1681i ( a ) ( 1 ) ** : This section requires consumer reporting agencies to conduct a prompt and thorough reinvestigation of disputed information. By reporting inaccurate information and failing to verify it properly, Security Credit Services is in breach of this obligation. 

3. **15 U.S.C. 1692g ( b ) ** ( under the Fair Debt Collection Practices Act ) : This section requires debt collectors to validate the debt within 30 days upon request. The documentation necessary to validate a debt must be substantial and should include : - **A copy of the original signed contract or application** for the debt, establishing that the debt is indeed mine. 
- **A complete payment history** that shows how the debt was calculated. 
- **Proof of your companys legal right to collect** this debt, such as a chain of title or assignment of the debt. 

Given the above, I demand the following : 1. Immediate removal of the inaccurate account from my credit report. 
2. Reverification of the legitimacy of the account, including the provision of the following documentation to validate the debt : - A copy of the original signed contract or application related to this account. 
- A full and detailed payment history of the account. 
- Legal documentation showing your companys right to collect the debt, including any assignments or transfer documents. 

Please be advised that under the FCRA, you are required to complete your investigation and provide a written response within 30 days of receiving this letter. If you fail to comply, I will have no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to enforce my rights. 

I expect Security Credit Services to treat this matter with the urgency and accuracy it deserves. Please confirm in writing that the disputed account has been removed from my credit report and that your investigation is complete. 

Sincerely, XXXX XXXX.
Product: Debt collection

As a victim of identity theft, I submitted a dispute to your bureau, expecting a resolution within the stipulated 30-day timeframe outlined by the FCRA. However, your bureau has extended the investigation period to 60 days without providing any valid reason for such delay. This not only exceeds the legally mandated timeframe but also creates unnecessary stress and uncertainty for me as a consumer. Furthermore, I am deeply troubled by the apparent verification of the disputed items without any valid supporting documentation or information provided to me during the dispute process. This raises doubts about the legitimacy of the investigation conducted by your bureau and suggests a lack of transparency in your verification procedures. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXXXXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
I demand an immediate and comprehensive explanation of the verification process undertaken by your bureau, as well as the specific information that was used to verify the disputed items. The presence of fraudulent accounts on my credit report has severe consequences for my financial well-being, and I expect your bureau to act with the utmost diligence and transparency in addressing this matter.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or " XXXX XXXX '' is in violation of multiple codes including 15 USC Code 1681 as no procedure was performed to verify the alleged debtor or agreement that justifies the posting of said accounts to my consumer report.

I regularly monitor the report for accuracy and noticed this account for collection that I have no knowledge of. I am not sure where this came from and have requested for the account to be VERIFIED OR REMOVED.

Please have the company produce the original agreement or contract including my signature to confirm the alleged debt.
Product: Credit card or prepaid card

Victim of fraud. The person committing the fraud was charged, and found guilty. Even with nearly 200 documents of police reports, and evidence showing I was the victim of fraud, the creditor is still unable to relieve of the responsibility of the debt.
Product: Credit reporting or other personal consumer reports

Letters were sent to all XX/XX/XXXXbureaus for my personal information to be updated and the previous information removed but nothing has taken place.