23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. 

In accordance with the fair credit reporting act XXXX  account numbers XXXX XXXX XXXXXXXX Account # XXXX XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy. 
15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. 

In accordance with the fair credit reporting act XXXX account numbers XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX WFC- Account # XXXX XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

All money that was reported to be refunded, when I did reach someone and asked about missing money They said I also had a business account but I never owned a business living here in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off XXXX XXXX XXXX in XX/XX/XXXX in full on 2 accounts. See upload XXXX XXXX of {$1300.00} and {$280.00} which include interest and fees. 
Now what I AM DISPUTING FOR THE 10th time is that it shows up to potential CREDITORS as DEROGATORY!!! 
And it should be reported asXX/XX/XXXX when it was paid off back on XX/XX/XXXX Do SOMETHING ABOUT IT FINALLY!! 

Call XXXX XXXX XXXX and they will verify! 

Thank You! 

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

I placed an alert on my credit reports last XXXX. Currently when contacting Experian they will not transfer me to live person to resolve matter. The automated system says there is no alert but. My report is not pulling for lenders to view when they try for it. Was able to get in contact with XXXX and XXXX and they stated they were able to remove it. Recently I had an account closed from XXXX XXXX due to Experian reporting the account as fraudulent. I have sent a letter to Experian, Multiple emails, numerous phone calls that are never answered. This inconvenience has caused me financial and mental distress. I need help resolving this matter with Experian. They are incapable as a company to handle their own mistakes.
Product: Debt collection

My XXXX XXXX has not fulfilled their portion of responsibilities agreed upon in the contract. When my daughter 's XXXX was damaged, I notified them right away amd for four ( 4 ) months I continuously contacted them to see when her new XXXX would be delivered and when I could have it replaced. I do have documentation of any and all attempts of communication to recrify the situation as well as the lack thereof. They made absolutely no effort to order the XXXX in a timely fashion let alone maintain open communication regarding her replacement XXXX that has stil yet to be received. The only time this " business '' attempted to contact me was when I stopped payment on an XXXX and services I was no longer receiving due to their blatant neglect and avoidance.
Product: Mortgage

This is the second time my home loan was sold to Mr. Cooper. The first time was with a different home ( sold due to divorce ), and the same issues arose. Your loan is sold to them, they give you access to their website. You create an account and think everything will be fine, however the next 3 times you try to login, you have to go through an entire hour long process getting information reset. It's nearly impossible to get a hold of someone through customer service, when you finally get your info reset you find that almost all the info for your loan is either missing or incorrect. This time around it is still showing my old loan and not my new loan. I feel lucky that I don't have a payment due right away. I've been attempting to contact customer service, which is sometimes not even possible. It should not take a full day to login to your account. This could cause late payment issues. They are the worst mortgage servicer I have ever worked with and it should not be allowed to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXcredit Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called Transunion and XXXX and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX, I AM NOT A 3RD PARTY.I AM A NATURAL PERSON SUBMITTING THIS DISPUTE ON MY BEHALF. 


TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX RE : TRAFFICKING BLOCK REQUEST Dear Sir or madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the fair Credit Reporting Act [ 15 U.S.C. 1681c-3 ] Please send me notification of the actions taken, I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Trafficking documentation, FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed the following errors hurting my credit and good character. I know it is my write to dispute this inaccurate information and have a reasonable investigation performed to remove the item. 

XXXX XXXX Account number ( XXXX ) ( XXXX ), Delete this charge off because you are reporting the date of last active, Transunion as XX/XX/XXXX XXXX as XX/XX/XXXX. also the account numbers are different on each report. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX  XXXX Account Numer ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX XXXX  Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

attached is a copy of my credit report highlighting the inaccuracies noted above regarding my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX, I tried to set up an account with Experian so I can freeze my credit report. The website keeps giving me an irrecoverable error. I called XXXX at XXXX to try and resolve the issue. I keep getting the menu that has no option to fix this. I asked for customer service and it says it can not connect me. I was able to freeze my credit but it will not allow me to create an account for future use. How can this company make a living off our information and then not give proper service? It could be that I set up an account over 20 years ago back when XXXX was a thing. I can only guess since I can not talk with a human. Please help.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was noticed a fraudulent charge on my credit card and immediately notified the credit card company, Fortiva. They stated they would be investigating it and to not worry about it and that they would be sending me an affidavit within 10 days. 12 days later I noticed I had not received the affidavit and called several times to get this affidavit. on day 16 I finally received this affidavit that was dated XX/XX/XXXX and the attached letter stated " return it to us within 14 days of the dated of this letter. '' I have continuously called about this matter to the number provided, XXXX, and can not contact anyone regarding the matter. 

I also contacted the XXXX XXXX store that the charge supposedly originated from and they stated they had no record of this transaction. 

XXXX ID XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative items reported on my credit file, which I believe were inaccurately investigated or resolved by Equifax. Specifically, I believe that Equifax failed to properly investigate the companies that reported negative information on my credit report. Under Section 16810 of the [ relevant law ], I am entitled to a proper investigation and resolution of disputed items, and I assert that the process was not conducted in accordance with this requirement
Product: Credit card

I recently signed up for AutoPay on American Express. After signing up, it said it would take XXXX billing cycles before it would be active, so I went ahead and paid my bill for the current cycle. But the AutoPay was active ( and their website did not show that it was ) so it charged me again for my bill, and subsequently overdrew my bank account. When I noticed this, I contacted my bank XXXX XXXX XXXX XXXX XXXX and Amex. XXXX XXXX XXXX provided me a temporary credit for XXXX of the transactions. The next morning the temporary transaction had been removed from my account so I was charged an overdraft fee again. I called the bank again and received another temporary credit. 

When I called Amex the first time, they said there was n't anything they could do since the payment had already " posted '' even though it was still pending on my bank account. I had to call Amex 6 more times to resolve this issue. First, they said that my bank denied both of the payments so I had to pay them again for the credit card bill -- this was untrue -- and that I needed to resolve the issue with my bank, not them. I called my bank to confirm that they only denied XXXX transaction and they said they had. Then Amex tells me that they will fix the issue because my credit card statement was showing a negative balance. They said they could apply the balance to another card I had with them, but I told them that I just wanted a refund for the payment. They said they ca n't issue one directly to my bank account, so they will mail a check to me and fix my account within 48 hours. 

A week later, my account is still not fixed, but I do receive a check in the mail. However, Amex now shows that I owe them for the check that they sent me because my bank settled the dispute with them and made my temporary credit a permanent XXXX! No one from the bank or Amex had mentioned anything about this to me until I got a letter in the mail over a week and a half later. I called Amex again to see if they could cancel the check and remove the money I " owe '' them, and they tell me they will and that it will take up to 48 hours. Over a week later, my account has not been fixed so I call them again. They then tell me the only way to cancel the check is to mail it back to them so they can void it, but they said it could take up to a few weeks. They told me I should just cash the check and pay them online. This has occurred over the span of 4 weeks -- each time Amex arguing with me that I owe them twice for my credit card bill and then promising to fix it. To top it off, some of the customer service representatives were extremely rude and accusatory.
Product: Mortgage

For years, I have submitted my payments electronically. I am a retired  XXXX  with a   XXXX   XXXX  . I use the grace period always since our mortgage is my largest monthly bill. When I have the funds available I submit my payment through the payment portal electronically. This usually falls near the end of the grace period per Regulation Z and I always keep excellent records of the submission dates, etc. regardless of what the vendors information says, I keep my own records.     And for years, when the payment falls over a weekend or heaven forbid a holiday as well, I have to fight with the mortgage company to get them to reverse the system generated late fees because their systems are set to use their POSTING date as the submission date which is a flagrant violation of the grace period rules of Regulation Z.     This is all well documented but I suspect the companies I have dealt with over the years do this little shuffle with intent. It amounts to another source of revenue and a numbers game for them. Not all consumers are going to understand the Regulation Z law and not all will have the knowledge to challenge their late fee char  ges. I do.
That is why I am asking for some assistance. I have filed a RESPA letter with Caliber Home Loans.   Right now, they are scrambling to fix their errors but I know this is only because I have caught them at this activity with solid proof. What happens to those who do not have the knowledge or the understanding to stop this activity? The lenders I have had to challenge over the years are   XXXX   XXXX   XXXX   ,  XXXX , and now Caliber Home Loans. It appears this may be an industry wide problem and I am ti red of dancing with them.     As a  XXXX , I know they can have this date of submission in the logic loop to see if the grace period is in play. Yet, they do not do this and I have clearly pointed this FLAW out to every lender I had this problem with. I truly think it is time to make this an issue with the industry. Their systems can and should be compliant with Regulation Z in all ways. They are not and their programming is therefore supporting a type of fraud these vendors have been perpetrating for decades.     Can you do anything about this or  must I hunt further fo r some assistance here for myself as well as other consumers who have been illegally charged late fees when their submission date fell within the grace period?     As a retired   XXXX   and a  XXXX , I can not understand why the systems are not properly tested by the regulators to assure this sort of fraud can not occur and I am truly wondering what if anything will happen to the lenders who are playing this game. I trust someone from this agency will be interested in this brand of consumer fraud or at least direct me to someone who might be interested in schooling this industry on the compliance laws of the regulations particularly those of Regulation Z and the grace period.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX 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 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: Money transfer, virtual currency, or money service

Well I was scammed on cash app for multiple transactions and had my account stole from me and even after I proved my identity I couldn't get my money back all in all I have lost around 2000 $ due to there lack of service.
Product: Credit card or prepaid card

I reported fraudulent charges on my Macy American Express and the company is denying that fraud charges and billing me for the charges. I informed the company that my credit card information and identify was compromised online and I didn't authorize the charges.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report due to a data breach that compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

I have reason to believe that the following accounts and inquiries on my credit report are the result of identity theft. Please take the necessary steps to block and delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX