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

I received correspondence from M & T Bank dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the M & T Bank account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from M & T Bank. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44. 

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records. 

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts. 

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements.

Since M & T Bank is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your companyXXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that XXXX exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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
Product: Debt collection

The original call was from a rep trying to find a XXXX XXXX by dialing every XXXX named XXXX in the phone book, she called me KNOWING that the number did NOT belong to the debtor. She then demanded to speak to the debtor and threatened me if I did not put her on the phone, I told her that I did n't know the person she was looking for and that no one by that name lived at my address. She said that did n't matter and if the debtor was not at my address I should pay the debt anyway to get them off my back, and that she would list me as the debtor even though she knew I was not. I then received a threatening email from Wells Fargo complaining to you, and on the XXXX of XXXX. I received a threatening letter from XXXX XXXX XXXX, when I called she demanded payment of the debt and an apology even though she said she knows it 's not me they want, it 's just I am the XXXX they can get to. I DO NOT owe this debt and have never done business with Wells Fargo in any way shape or form. These people must be severely punished and made to pay for there threats and {$1500.00} for the unlawful pnone call
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having some issues with addresses on my file that are not accurate. My XXXX XXXX. XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/XXXX, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit card

This is a complaint in reference to a credit card account ending in # XXXX that was sold from Capital One to XXXX. XXXX removed the credit card account ending in # XXXX from all XXXX credit reporting bureaus after I filed CFPB complaint because of fraudulent add on charges. This complaint does not include XXXX as they fully address the situation and I thank them for that, reference the original CFPB complaint # XXXX. On XXXX/XXXX/XXXX I disputed Capital One with the XXXX CRA 's, Capital One continued to make updates to this account as if they still own it. They made an additional update on my credit report even after I disputed showing it was 30 days delinquent in XXXX XXXX. Yet they sold the account to XXXX prior to XXXX XXXX, I do not know the exact date Capital One sold it to XXXX but XXXX sold the account to XXXX in XXXX of XXXX. I have attached a letter from XXXX showing the transfer to XXXX. I have also attached a prior statement showing Capital One account number matches the account number listed on the other documents, XXXX shows the original creditor as XXXX. Yet Capital One continues to report on my credit report updating with current activity that happen after the date of there sale to Capital One. Again XXXX has removed this account from all XXXX credit reporting agencies and I have enclosed the letter from XXXX dated XXXX XXXX stating this. 
Yet Capital One continues to add current updates to this account as if they still own it.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
Product: Debt collection

On XX/XX/XXXX I received an alert that a collection had been added to my credit report by a company called Credit Management in the amount of {$190.00}. I submitted a Debt Validation immediately via Certified Mail, Return Receipt. The letter was held for 20 days before Credit Management signed and returned the green card on XX/XX/XXXX. It has now been over 70 days since I requested a debt validation from Credit Management and they have still failed to respond but have updated the collection on my credit report as of XX/XX/XXXX.
Product: Checking or savings account

A wire was sent out on XX/XX/XXXX for {$3500.00} to a company I do not work with. 
On XX/XX/XXXX I reached out to bank of America to process a recall of the wire. As of today XX/XX/year> the issues has not been recall and bank of America has been no help to me as a customer for over 5 years. 

The company that received the wire, I have never done any business with that company and I have no clue who they are. 

I need to have the {$3500.00} returned to me.
Product: Debt collection

These bills were from medical issues and should have been billed to XXXX. The hospital is trying to get me to pay full price for issues that should have been billed to the largest federal payer in the US.
Product: Debt collection

XXXX XXXX XXXX XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX XXXX. I have never received any correspondence from XXXX. XXXX XXXX XXXX stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with XXXX XXXX XXXX XXXX for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that XXXX. XXXX XXXX XXXX owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. XXXX XXXX XXXX XXXX refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. XXXX XXXX XXXX XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX. XXXX XXXX XXXX understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. XXXX XXXX XXXX XXXX even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in XXXX. XXXX XXXX XXXX ' and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the  attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : I pulled a copy of my credit report and noticed a fraudulent account. 

Creditors : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX  Account : Reason : i I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) I have submitted request to Consumer Financial Protection Bureau to received documentation regarding these matters and the companies have not responded in a reasonable amount of time. These fraudulent accounts were not authorized by me.. 
Thank you. 
Attached is the police report and Identity Theft Report.
Product: Debt collection

Request for Debt Validation Dear jefferson capital LLC am writing in this letter XXXX XX/XX/year> which asserts that I owe a debt of {$1200.00} I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request that you provide the following information : XXXX. The full name and address of the original creditor. XXXX. A detailed statement showing the amount of the debt, including any interest, fees, and charges that have been added. XXXX. A copy of the original agreement or contract that legally obligates me to pay the debt, including any signed documentation. XXXX. Any judgments or court decisions related to this debt. XXXX. A verification of the date the debt was incurred. Until this debt is validated, I request that you cease all collection activities, as required by law. Please note that any further communication or attempt to collect this debt without validating it will be considered a violation of the FDCPA. If you are unable to provide the requested documentation, I request that you cease all collection efforts and remove any negative information related to this alleged debt from my credit report. I look forward to your prompt response, and I expect to receive the validation materials within 30 days, as outlined by the FDCPA.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcomes. These failures align with my experience, Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory information must be removed due to COVID-19. I have made several attempts to remove this information. I have sent several letters challenging the derogatory information. The derogatory information is preventing me from obtaining a new checking account for myself and my daughters.
Product: Credit card or prepaid card

Our payments are due on the XXXX of each month. In XXXX the XXXX fell on a Sunday and Monday was a federal holiday ( XXXX XXXX ) so our payment was not posted until the XXXX. When we realized we were being charged a late fee of {$38.00} we spoke to the credit card company Synchrony Financial Care Credit and we were told the XXXX would be waived. So when we made our payment for XXXX, we made the regular amount of XXXX instead of the statement amount due which included the XXXX because we were told it had been waived. When we received our XXXX Statement the previous balance from XXXX was listed as XXXX which is what was listed on the XXXX Statement as new balance. However the new minimum payment for XXXX is now {$110.00} plus they added another late fee of XXXX which now makes out minimal payment for XXXX {$150.00}. Down in the transaction summary it does show they showed refund of the late fee on XX/XX/XXXX, but it does not reflect in their numbers. When I called I was told I had to pay the minimum payment of {$110.00} for the payments to go back to the original amount of XXXX. When I asked why I was told the statement has already been billed. I should not be required to pay the additional amount on the XXXX bill. If I pay the {$110.00} the next month the minimum would go back to its regular amount. But this is not fair to me I'm still being billed a fee in excess of the regular payment.
Product: Debt collection

I have been paying the debt collector Real Time Resolutions regularly since XX/XX/XXXX. We had to sell our home on a short sale and Real Time Resolutions obtained the remainder of the debt. We have always been regular with our payments and never had a problem until XX/XX/XXXX when our check to Real Time Resolutions never cleared our account. The same happened for XX/XX/XXXX. Also, as of XX/XX/XXXX we stopped receiving any mail from Real Time Resolutions. We were also unable to log into our account on their website, receiving a message that it did not recognize the account. We called Real Time Resolutions and the representative we spoke with said he did not know what was wrong and he could not help us. We then received a letter from Real Time Resolutions dated XX/XX/XXXX stating that we owed them {$520.00} and to contact them immediately. This was the last piece of mail we received from Real Time Resolutions. Again, we were unable to log into our online account and the customer rep we spoke with was unable to help. Now Real Time Resolutions has been calling both my wife and I on our work phones during business hours and leaving messages to call them back. They have also reported delinquencies to both our credit histories and significantly weakened our credit scores. I am happy to resolve the issue with Real Time Resolutions, but I feel like the reported delinquencies are unfair since Real Time Resolutions has not been sending us notifications in the mail or allowed us to pay online or over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank has sent false credit reports to the credit bureau, each month, for " unpaid '' payments of more than 60 to 90 days. The monthly balance is always paid on time. Sometimes, a bigger amount is paid more than the minimum amount due. It is set on auto pay, meaning the balance due is supposed to automatically come out of my account each month. Synchrony Bank scams their customers who make on-time payments; adding unreasonable late fees, decreasing their credit score and closing their accounts without warning. This has been on going since XX/XX/2020. The amount due changes every month because of false late fees. Something needs to be done about this company and the horrendous, scamming practices. It's detrimental to the customer who makes it their duty to make on-time payments and keep their credit score in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union : On going credit changes due to charge accounts going up and down payed many cards off, no Balances for more than a month dropped my score 60 +. Taken longer to raise my score back up credit is exceptionally well. 

How can you drop your balance, decrease 's and your score goes down 24 PTS.??? 

XXXX  ; same solution but better but not fast to increase your score based on traditional percentage use. 


Thank you for all your help XXXX XXXX
Product: Student loan

My loan was transferred from Mohela to  XXXX   XXXX   XXXX . I always question why at Mohela my principal would never go down even when I paid upto {$100.00} more? Then when it was transferred I had the same problem with  XXXX . I made several inquires but was told that interest was satisfied first they would go around and around about I have a 25 year loan and I must pay fro 25 years. I told them that this was a simple interest loan and why was the overage in my payments going to principal? They told me they just pay ahead interest because it is a 25 year loan. They do this to all student loans. This is not right as all student loans are simple interest as with mine as they must follow certain guidelines set forth by the Department of education. As with my loan it states I can pay as much as I want over the minimum payment and this will reduce the length of my loan as overage of my minimum payment will go to principal including no pre-payment penalty I believe this practice is on going with in both Mohela and  XXXX   XXXX   XXXX  in fact I believe they train their customer service agents to convince all borrowers that all we can do is pay ahead  interest. If 100,000 's  of student are experiencing what I have these is so dishonest that student will never get ahead and be able to pay off debt.