23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My daughter at the time had two different forms of insurance. Her primary insurance at that time was through the military insurance and the other was through Louisiana XXXX. At the time of the emergency, XXXX XXXX XXXX the original debtor ) had both insurances on file. When I first received this bill, I contacted them about both insurances. I had two other bills with them at that time, that I felt that I was bullied into paying, which were in a smaller amount, however, I don't feel that these bills have been applied properly because all other bills were paid through both insurances. I have disputed this bill about three to four times and have gotten nowhere. I am not sure of dates or times, however, I believe that the year was in 2015. I have never before, had any problems with any medical bills up until this emergency occurred for my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agency is appearing on my credit report again. I have disputed with credit bureau. The XXXX still hasnt validated the account was mine and I asked it to be removed And it was from XXXX XXXX but is appearing again on XXXX XXXX and XXXX  and Equifax. This is hurting my credit report and need to be removed
Product: Debt collection

I previously filed a complaint with CFPB XXXX. However, Rent recovery has shown up on my credit file again, after they agreed to delete this from all 3 credit agencies, and it was deleted. However, it is reporting again on XXXX, please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous times.

I demand the accounts listed below to be removed because according to 15 USC 1681 : I have a right to privacy and did not give Equifax written to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Capital One does not allow their account to be accessed through third-party services that advocate for their customers to help reduce costs and hold companies accountable to their own policies. I have a right to this service and to fair representation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my XXXX  written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your XXXX  investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. Account Number : XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Delete this account. 
XXXX XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX This is my final warning. I am currently working with a law firm to sue the XXXX reporting agencies and especially the XXXX XXXX XXXX XXXX for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 XX/XX/year> 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Capital One, account number XXXX has violated my rights. 

15 USC 1681 Section 602 Says that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Mortgage

On XX/XX/2022, I attempted to use a balance transfer ( i.e., used a XXXX XXXX XXXXXXXX Credit Card balance transfer offer ) to pay down {$11000.00} of my ~ {$30000.00} remaining balance on my Home Equity Loan being serviced Specialized Loan Servicing LLC. 

Two weeks later SLS sent the check to me with a letter that they will not accept " credit card checks ''. I contacted SLS and could obtain no more info other than that is their policy. 

I don't believe such a payment restriction exists in my mortgage document. 

The SLS refusal to accept the {$11000.00} payment ( and future similar checks ) prevents me from paying down my SLS loan which currently charges me a variable rate of 7 % ( and rising ) with a credit card check that will charge me 0 % for 18 months and has a 4 % fee. 

This this policy will result in me paying an extra {$750.00} in interest as opposed to if SLS had accepted the balance transfer for {$11000.00} and an extra {$2200.00} in interest had I been able to balance transfer the entire SLS loan.
Product: Credit card or prepaid card

Multiple Problems Started the day I applied : 1. Takes 10-14 business days to get card. Card was lost in mail, took a lot of convincing for Synchrony Bank ( Paypal XXXX mastercard ) to expedite the replacement card. 
2. They do not reset credit limit even after you pay off the full balance. Takes up to 3 weeks for limit to reset. 
XXXX. They take longer than other credit cards ( XXXX  XXXX, XXXX, XXXX ) to post payments. 
4. Was using card on many utility bills. I paid balance off and extra as soon as purchases were made. I have excellent credit and have never had a balance remain. Synchrony bank still cancelled my account, shut down the card, and took away all the cashback I had received, thus rendering the purpose of the card useless. They sent my file for review and will decide what to do. 
5. Synchrony bank has done a poor job with this particular cashback card. Customer service is of no help as they do not control company policies. 
6. I have overpaid everytime, Synchrony bank believes I wont pay my bills even though they will be returning money to me if they permanently close the account. I have never missed a payment and actually had a positive balance on my last statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen that I had a bankruptcy on my credit profile and I contacted the courts and they stated with the information given to them that I never filed bankruptcy in there courts ; and that if theres an inaccuracy on my credit report that I should contact the credit agencies. After a couple months of disputing the credit agencies never gave me a fair investigation on the inaccurate information reported. I also contact XXXX XXXX and gave them documentation that I was received from the court they deleted the information off of my XXXX report which the credit bureaus pull from I demand that this public record is deleted off of my consumer reports for a violation of the FCRA 15 USC 1681i and if this is not done immediately I will file for litigation at my local court office
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under JPMCB AUTO 30 days late in XX/XX/2015 You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Money transfer, virtual currency, or money service

Supposed to receive XXXXXXXX XXXX annuity payments from XXXX while in XXXX person working for State of Washington States my birth name on my birth certificate was an alias then XXXX all my XXXX XXXX XXXX XXXX, every thing in recent documents I have recently obtained dated back to XXXX XXXX one after on XXXX XXXX letter from XXXX XXXX stating that did not qualify for any state pay out or XXXX XXXX due to Citizenship, property, resources, income, now he used 6 variations of spelling of my name sent in as credit reports then used against me, stating owed XXXX XXXX all XXXX contacted all XXXX credit reporting agents except all the names dont have work history Identification social security XXXX, or monthly income they don't except that I have to verify there Identity, its impossible they dont exist, received notification from the XXXX XXXX XXXX XXXX XXXX XXXX if I accessed my Account from Virginia, was receiving payment from XXXX XXXX XXXX on XX/XX/year> no longer any payment have not been payed in 17 months have to go through XXXX XXXX they say in XXXXXXXX XXXX, recently looking in to matter XXXX is located in XXXX my card come from XXXX XXXXXXXX XXXX with same bank route number as my so called client Id with the State of Washington.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine Fair Credit Report act violations : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Select a Reason XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the companies many documents to tell them I was a victim of identity theft. They threw out that people can steal bank accounts and your social security number to open an account in your name. They stated that payments were made in my name. They said because payments were made through that account, that's why the information was correct. I got a paper from XXXX stating that the account that they are referencing to the account was open due to someone stealing my identity, and they closed down because due to suspicious activities. They took very long to respond to emails and stated they were investigating the XXXX  document when I gave them the document was validated. I stated that the document was strictly confidential, and they wanted to contact me to verify the document. I called a XXXX, and XXXX said they don't share confidential information about their customer. The lady XXXX took it into her own hands to say that she would review herself when I told her I wanted the company herself. XXXX stated in the document that the bank did not belong to me and someone used my account to commit fraud under my name. The company is not helpful. They want to put fingers at you, not that someone else opened this account under your name.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their attempts to collect a debt of {$980.00} allegedly owed to XXXX XXXX. XXXX XXXX XXXX has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX XXXX XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. 

The actions of XXXX XXXX XXXX are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute, filed on XX/XX/XXXX, is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. 

I hereby request that XXXX XXXX XXXX verify the validity of the debt owed to XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from XXXX XXXX XXXX as of the date of this complaint, XX/XX/XXXX. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Credit card or prepaid card

Between XX/XX/2020 and XX/XX/2020 I was laid off from work due to COVID I called the credit company and asked them to note I was effected by COVID and may be unable to.make.even minimum payments until I find work or go back to work. It was noted that my file was effected by a natural disaster and wouldn't effect my credit score. Now I look and I have 5 months of missed payments effect my credit score.
Product: Credit card or prepaid card

I have owned many Chase credit cards over the past ten to fifteen years. Most recently, I had two cards that were active, but used only one for purchases, etc. The company charges {$95.00} annually for the use of the card. Recently, I decided to cancel card with annual fee and use my non-fee card instead, but the card will expire in XXXX, so thought best to receive the new one with same account number, which has been the case in the past, but instead they cancelled this account, misunderstanding my request and said I'd receive a new one with a different account number in a few days via USPS and it might require a signature, all this via messaging because they are not taking phone calls during this health crisis. 

On my account page online, it does not show that the card I want to use as being cancelled, yet in the grocery store today, it was denied. I am now left with NO credit cards for purchases until I receive the new one. I have sent another message regarding this but have not received a response to date. 

How is it that an enormous bank such as JP Morgan/Chase does not have the work force to respond to queries from its customers via phone? If I had been able to discuss this via phone with a person, it is likely I would not be without an active credit card today.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct an inaccurately reported late open account on my credit report and to remove a late closed account and public record. Despite my diligent efforts to rectify these errors, they persist on my credit report, causing significant harm to my financial standing and overall well-being. 

Below, I outline the specific details of the inaccuracies and the numerous attempts I have made to address them : I have diligently followed the established procedures outlined by the Fair Credit Reporting Act ( FCRA ) to dispute these inaccuracies. I have provided all necessary documentation to support my claims, and I have made multiple efforts to correct these errors. However, my previous attempts have been unsuccessful, and these inaccuracies continue to negatively impact my creditworthiness and financial opportunities. 

I kindly request that you conduct a thorough and comprehensive investigation into these matters. Specifically, I request the following actions : Promptly correct the late open account by updating it to accurately reflect my payment history. 
Remove the inaccurately reported late closed account and public record from my credit report. 
I am willing to cooperate fully and provide any additional information required to resolve these issues promptly. I expect a written response from your agency within 30 days of receiving this letter, as mandated by the FCRA, confirming the correction of the late open account and the removal of the late closed account and public record. I am asking for your assistance for correcting the late open account and removing the late closed and public record : XXXX  XXXX XXXX Balance Owed : {$390.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Money transfer, virtual currency, or money service

Yesterday, XX/XX/XXXX at XXXX XXXX someone called me from the Bank of America phone number and impersonated a Bank of America fraud agent, he made all of these claims saying that there were XXXX fraudulent XXXX  transactions that were trying to be initiated on my account and I needed to move quickly to make sure that my account would be protected. So he had me add some suspicious name and then send an account through XXXX and then afterwards he hung up the phone on me and so once that happened I knew that I had been scammed. I had received credible calls from the bank a few days before this like in XX/XX/XXXX and they sent me out a new bank card because my account had been targeted with fraud. So when I received that call yesterday XX/XX/XXXX at XXXX XXXX I truly thought it was the bank reaching out to me once again. So once I woke up this morning, I realized that I had truly been scammed and my money was gone forever. I called the bank and they told me there's nothing they could do to help me because by using XXXX I authorized that transaction but I truly did not know and I just feel like there should have been more protection for my account.
Product: Mortgage

I got a new home. The loan did not start until XXXX. My loan was sold to another debt collector, so I setup autopayment in XXXX. My first payment did not go trough for XXXX. I spoke and they said no worries, just make a manual payment for XXXX. I did on XXXX and said maybe your loan autopayment won't work so you'll need to setup another payment. I went to verify the next week and my balance was at {$0.00} due. In the month of XXXX, I receive a call from their debt collector asking why I haven't paid. I explained them my story and issues. She goes and checks my account and see 's I have a {$0.00} balance and says never mind I do see that. I'm not sure why you were on my list. I checked on XXXX to confirm I wasn't late and again saw {$0.00}. Then when I went to check on XXXX, I saw I had a balance for the two months of XXXX and XXXX. I tried to make sure I was up to date and was told multiple times. Now I have a late delinquency and double the mortgage to pay based off their mistake. I was on hold for hours and was told no resolution. To just pay the full amount.