23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Purchases from XXXX should have bee paid in full long ago based upon all purchases made with flex pay ( incurring 0 interest if paid as agreed ) ; all payments made on time as agreed, XXXX indicates balance as being {$920.00} and interest rate 29.24 % without adequate explanation despite my letters and phone calls requesting an audit and/or investigation and detailed information explaining how my balance reach such an amount. An XXXX employee revealed to me that I was not given credit for a laptop she stated had been received by XXXX on return. Please help this frustrated Senior Citizen. 

ERROR : mention of QVC in attachment letter is a typographical error.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1978 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by Experian that an account I had with XXXX XXXX XXXX had been closed. In the notations it said " Account closed at consumer 's request ... ''. I disputed this for a few reasons. First, I had never been contacted by XXXX XXXX about this account nor had I in any way requested the account be closed. I then disputed XXXX XXXX 's claim via Experian and have recently been told the exact same thing ; in effect, my dispute was worthless. Another reason I disputed this issue is that it's well known that XXXX XXXX has had issues with ethics in recent years and this seemed to be another ( albeit small ) example ; misstating the facts. If XXXX XXXX can actually prove that the consumer ( me ) asked for the account to be closed I will retract. However, I can not, no person can, prove a negative ; I can't prove something I didn't do other than simply stating I did not request for the account to be closed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Debt collection

This company keeps calling my work place, and leaving automated messages asking for me to call them back. My coworkers get the call, and tell me about the " personal '' messages that sound very concerning. 

I do not want to be reached at my place of work, and I have no idea why I 'm being contacted in the first place.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a payment was made to me from XXXX XXXX from his son XXXX XXXX, for a service of receiving a discounted apple gift card ( from my associate discount ). On XX/XX/XXXX i received a call from a XXXX number stating it was someone from XXXX  asking about a payment of {$200.00} i received Zelle. At the moment i was driving on the highway and explained i could not speak at the time because it was hard to pull over on the highway and told them to call me back. The women called back and left a message saying " Hi this is XXXX calling from XXXX XXXX this message is for XXXX XXXX, I'm calling in regards to the inquiry that we received it's important that we speak with you for your convenience we're available Monday through Friday XXXX to XXXX and then also on Saturday from XXXX to XXXX please return our call at XXXX option three or to the chase customer service number. '' They never mentioned anything else, i called and was on the line for over 2 hours, when finally getting a supervisor on the line she told me my " ENTIRE '' account was Frozen due to XXXX XXXX reporting it was a fraud charge to my account for the {$200.00}. XXXX Froze my account as they claim they were investigating although giving me limited details because they claim they had limited access. I am highly upset and disappointed as a XXXX long time customer and a perfect standing customer! The sender received a service and then filed a claim back on account to get their money, no one ever even spoke to me to get any details, then suggested i contact the sender to get my money back ( does that sound rational or logical ). The attitude is they didn't care and never spoke to me, just took the word of someone filing a claim for a measly {$200.00}, when i keep thousands in my account which now i won't. On the XXXX i logged in to my account to see that XXXX refunded the {$200.00} Zelle, again i was not even notified that this so called investigation was complete and again no one reached out to me but, in turn, i reached out to them, once again, they have little information to give me but took my money out my ACCOUNT WHILE ALSO FREEZING MY FUNDS WITHOUT SPEAKING TO ME, HIGHLY DISAPPOINTED AND WANT MY {$200.00} BACK.
Product: Checking or savings account

I reported fraud on my account. The bank has not followed regulation E guidelines and credit the funds back to my account. I want the fraud charges credit back to my account.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Alleged Debt Account Number : XXXX XXXX XXXX Dear Compliance Officer, Under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), I am disputing this alleged debt in its entirety. I demand the following documentation : 1. A copy of the original signed agreement proving that I entered into a contract for this alleged debt.

2. All account statements from the original creditor demonstrating a full history of charges, fees, and payments.

3. A copy of the complete purchase agreement between your firm and the original creditor, proving legal ownership and right to collect.

4. A full breakdown of all fees and charges added to this account after the original debt was created.

5. An affidavit from the original creditor, sworn under penalty of perjury, confirming the debt is valid.

6. Proof that this debt was properly reported and that all information in your records matches the original creditor 's records.

7. Proof that the debt is within the legal statute of limitations in my state for collections and credit reporting.

Until these requests are met, I demand that you remove this account from my credit report. Under 15 U.S.C. 1681s-2, you are legally responsible for ensuring accurate reporting.

Additionally, I invoke my rights under 15 U.S.C. 1692c ( c ) and request that you cease all further contact with me, except to provide the requested validation. 
Should you fail to comply with this request, I will not hesitate to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account illegally sold the debt to XXXX XXXX XXXX. in accordance with Colorado Law SB 20-211 and the Fair Credit Reporting Act ( FCRA ). 

Colorado passed a law ( SB 20-211 ) prohibiting judgment creditors from initiating new " extraordinary '' collection actions, unless specific legal requirements were met. Under this law, before taking any action in the nature of a garnishment, attachment, levy, or execution to collect or enforce a judgment on a debt as defined under the Colorado Fair Debt Collection Practices Act, the creditor has to notify the debtor about, and provide the debtor with, a garnishment and collection suspension, if requested. 
As permitted by SB 20-211, the Administrator of the XXXX XXXX XXXX XXXX extended the right to get a garnishment and collection moratorium through XX/XX/2021. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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

In regards to account number XXXX from XXXX XXXX XXXX on my personal credit report. 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided. I am further requesting the name of the person providing this data, and the manner in which it was provided, in order that I may pursue additional remedies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Formal Complaint Against TrueAccord Corp. for Violation of Consumer Protection Laws Dear Sir/Madam, I wrote TrueAccord Corp. and requested debt validation pursuant to 15 USC 1692g . They failed to provide me with proof of validation of the debt. So then I wrote them an affidavit of truth for Violation of Consumer Protection Laws and they failed to respond to the affidavit within 30 days. 

I am writing to file a formal complaint against TrueAccord Corp. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, et seq. I have attached exhibits documenting the violations as follows : Exhibit A : Violation of 15 USC 1692 ( c ) ( a ) - Communication with Consumer I have proof that TrueAccord Corp. communicated with me in connection with the collection of a debt, which is a violation of 15 USC 1692 ( c ) ( a ). 

Exhibit B : Violation of 15 USC 1692 ( b ) ( 2 ) - Communication with Third Parties I have evidence that TrueAccord Corp. communicated with third parties for the purpose of acquiring location information about me and stated that I owe a debt, which is a violation of 15 USC 1692 ( b ) ( 2 ). 

Exhibit C : Violation of 15 USC 1692 ( b ) ( 5 ) - Use of Language or Symbol I have documentation showing that TrueAccord Corp. used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 USC 1692 ( b ) ( 5 ). 

Exhibit D : Violation of 15 USC 1692 ( d ) ( 2 ) - Use of Obscene or Profane Language I have proof that TrueAccord Corp. used obscene or profane language in communications with me or language that abused or harassed me, which is a violation of 15 USC 1692 ( d ) ( 2 ). 
Exhibit E : Violation of 15 U.S.C. 1692f ( 8 ) - Use of Language or Symbol I have documentation showing that TrueAccord Corp. used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 U.S.C. 1692f ( 8 ). 

These actions by TrueAccord Corp. are in clear violation of the FDCPA and my rights as a consumer. I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against TrueAccord Corp . I also request that the Bureau impose a remedy of {$1000.00} per violation, as provided for under 15 USC 1692k, to compensate me for the harm caused by these violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

My name is XXXX XXXX, and I am sending this request in response to a letter I received from Experian Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that Experian Credit Bureau must investigate and delete these fraudulent Accounts XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX Balance {$10000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Credit Reports didn't correct wrong information concerning an Auto Loan with Green State Credit Union. The loan was NOT part of the bankruptcy, document provided. Green State Credit Union will not correct the error. I have sent documents to GSCU ( bankruptcy record and open Auto loan account ) loan is open and is being paid consistently on time with no delinquent or late payments. I have been denied housing because of bad credit including the incorrect item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the 8 months of having a car loan through XXXX XXXX XXXX, they have incorrectly reported my payments every month. I have done several disputes and they fix the item being disputed but change another month ( or months ) incorrectly. 

Dispute on XX/XX/XXXX was to update my XXXX payment to current as it was showing 30 days past due. XXXX was updated and XXXX was changed to 30 days past due. 

My score went down 55 points on XX/XX/XXXX because XXXX then reported that I opened the loan in XX/XX/XXXX ( it was opened in XX/XX/XXXX ) was 30 days late for XX/XX/XXXX and XX/XX/XXXX and 60 days late for XX/XX/XXXX and XX/XX/XXXX ( XXXX shouldnt have even been reported yet ) and that I had a balance of {$18000.00} ( which was {$15000.00} to much ) another dispute was done on XX/XX/XXXX. They updated everything but failed to update that my account had been closed and paid in full. 

The most recent dispute was requesting the account to show closed and paid in full, which they updated to just show me 30 days past due for the month of XXXX and XXXX. XXXX has been marked current all this time and they are now claiming I was 33 days late paying XXXX. XXXX was paid on time. 

I have not been able to get myself into another vehicle because of this inconsistent incorrect reporting over the past 3 months to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 section 602 A states 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 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Mortgage

I have attempted to make payments on my loan in advance because I use my home as rental income property and I never know when a tenant might not pay. I attempted to pre-pay my loan on two occasions and the mortage company promised to apply my extra payments to future months but they didn't. I have called and open at lease 10 cases for them to correct the issue and they always promised to correct the payments but they never did. They keep using the payments for principle payments, which, i didnt request. After spending months calling back and forth, finally after 60 days for them not doing it, they now tell me, its been 60 days and now we can't remove a principle payment to a monthly payment. They basically lied to me. The last time I did the extra payment, they told me since my mortgage payment had increased, I needed to make another additional payment of {$270.00} in order for them to apply my extra payment to a future month. I made the additional payment and they took that and applied it to principle also. Now they tell me there is nothing I can do.

XX/XX/XXXX - regular payment made of {$2500.00} XX/XX/XXXX - Additional payment made of {$2500.00} ( They applied to principle and refuse to correct it ) XXXX regular payment made of {$2500.00} XX/XX/XXXX - Additional payment made of {$2500.00} ( They applied to principle and refused to correct it ) When I called them in XXXX still inquiring about why they didnt apply the XXXX payment correctly, they told me it was because the monthly payment increased to {$2800.00} and I would have to make an additional payment of {$270.00} in order for them to apply the payment to a future month. On XX/XX/XXXX, I made the additional payment and once again, they took the {$270.00} and applied it to my principle. Now when I call them, all they say is. its been past 60 days, nothing we can do help you. This is a total scam because I have called them over 25 times ( within the 60 day period ) and requested the funds be applied to future months. When I requested they send me the phone conversations between myself and their agents, so that i can prove they lied to me, they refuse to do it. I have requested a supervisor 11 times and no one will return my call or speak to me.
Product: Credit reporting or other personal consumer reports

My credit rating debt usage has been negativity impacted by the erroneous statement issued by XXXX XXXX XXXX causing my usage to reflect at XXXX XXXX. I made my payment in full on XX/XX/year> - confirm # XXXX. However XXXX reported to the credit bureaus that I have a balance of {$280.00}. In addition the posted statement to my account on their website reflects {$280.00} in error as well. I spoke with a representative XXXX to resolve the issue the language barriers at this company makes it impossible to resolve errors they have caused. This in accurate reporting has caused my credit score to drop making me ineligible for approval on the unwriting of my mortgage loan I was set to close on XXXXXXXX XXXX. My family has suffered a huge set back because of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reported to XXXX regarding an improper credit report. The case was closed, but after a few years, they reported it again, causing it to show up on my credit score. I am requesting assistance in deleting this report. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report XXXX XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently sent disputes to Equifax, the most recent dispute was sent to Equifax on XX/XX/XXXX for collections account with XXXX XXXX for XXXX XXXX XXXX. Collection account should be permanently deleted. Original creditor ( XXXX XXXX XXXX  ) last date of delinquency was XX/XX/XXXX. Provided Equifax with XXXX XXXX statement showing last date of payment as XX/XX/XXXX. Spoke to an Equifax representative the week of XX/XX/XXXX, who stated Equifax has my information showing the first date of delinquency as XX/XX/XXXX, BUT since XXXX  said the account was reported as accurate for the date of XX/XX/XXXX, Equifax has to follow what the creditor states, regardless of the proof on file. 

This account has had its first date of delinquency changed three times from XX/XX/XXXX, to XX/XX/XXXX, to now XX/XX/XXXX, which is fraudulent activity, after I have disputed these inaccuracies showing last date of delinquency as actually XX/XX/XXXX. Equifax and XXXX XXXX refuse to report accurate information, which has created denials for credit applications submitted during this timeframe. 

Dispute History : XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from Equifax-XXXX  XXXX had first date of delinquency as XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from Equifax-XXXX  XXXX changed first date of delinquency from XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion -results received on XX/XX/XXXX from Equifax-XXXX  XXXX changed first date of delinquency again from XX/XX/XXXX to XX/XX/XXXX, but reports date of last payment as XX/XX/XXXX, which is a discrepancy with the date of first delinquency. 

The XXXX XXXX account does not have any payment history for XXXX, XXXX, nor XXXX, which is verified by statements. XXXX XXXX can not provide proof of last payment nor first date of delinquency on this account because they have no payment information from the original creditor. XXXX XXXX keeps adjusting the date, re-aging the account, which is illegal and Equifax supports this creditor in its illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPARTMENT OF EDUCATION. 
Is an unverified account that has appeared on my report. 
According to the fair credit reporting act all unverified information must be removed.