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

This account is inaccurate XXXX XXXX XXXX  XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment Status shows " Paid as Agreed '' but in XXXX appears " 30 Days Late '' and according to [ 15 U.S.C Section 1681-a ] its a FCRA violation. Please remove this inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One refuses to correct the incorrect late payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX per the XX/XX/XXXX Capital One Credit Bureau Resolutions Department 's reply, copy attached, to my XX/XX/XXXX letter to the Capital One Credit Bureau Dispute Department, copy attached. 

In good faith, I made the the lower payment offers to me by Capital One verbally on XX/XX/XXXX and letters of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Capital One failed to advise me verbally on XX/XX/XXXX or in writing, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX letters, that making the lower payments would result in " Late Payment '' status of my account for these individual payments. 

If Capital One intended to classify the lower payments offered to be classified as " Late Payment '', I would have expected Capital One to fully disclose their intention of classifying their lower payment offerings would result in those accepted lower payment would be classified as " Late Payments '' in their XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX letters to me.
Product: Mortgage

I am currently XXXX, and a XXXX Veteran I have been taken advantage by my mortgage company Planet Lending and the realtors they are working with to force me into a short sale which has valued my home XXXX less than what it worth. On XX/XX/XXXX I received a threatening letter from the realtor ( see attached ) stating that my home would be foreclosed on that day if I did not go through with the short sale, furthermore the letter urged me to contact Planet Home Lending and they would not be mad at me. Operation Reach reviewed my documents and found out that Planet Home Lending was assigned the loan on XX/XX/XXXX, I received a denial letter for a loan modification dated XX/XX/XXXX. Planet Home lending filed a Declaration for a Notice of Default on XX/XX/XXXX, which is not 30 days for my appeal which is mandatory in the State of California. Planet Home Lending has violated the homeowners bill of rights and I believe that both the Realtor and Planet Home lending are working in concert to take my home.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require the removal of any incorrect accounts from my credit report. Could you please inspect the documents? Some of the listed accounts are inaccurately reported, with incorrect amounts and dates.
Product: Debt collection

I had a {$300.00} credit limit with XXXX XXXX. The police took a rental car from me during a raid on a house I was at XXXX day. There was nothing illegal in the car. Me and my attorney informed the airport what happened cause they didnt return the car like they said they were going to do. Then the credit card company allowed the airport to make a large purchase more than my credit limit. I believe it was around XXXX. I didnt pay the company so they passed the info to a collection agency and they were calling me. I informed them of the incident and put a dispute in but was denied. I asked how the company allowed a purchase to be made that was more than my limit. The company still calls me ( Portfolio )
Product: Credit card or prepaid card

My wife purchased a washing machine on XX/XX/XXXX for installation in my new home that was under construction. 
When the house was ready we informed the merchant and expected delivery. 
Merchant refused to deliver, stating that my credi card company ( Bank of America ) had not transferred the funds to his bank ( XXXX XX/XX/XXXX ) The sum of money {$420.00} is in dispute. 
My account was debited accordingly.

My wife has made 23 calls to various personnel at B of A. 
She spent a couple of hours with the merchant at his bank trying to trace the alleged BofA transaction. 
XX/XX/XXXX requested written evidence that BofA made the transfer. 
BofA refused to send the documentation. 
We received a letter from BofA dated XX/XX/XXXX stating that our account had been reviewed by the bank and that the charge was no longer being disputed -- totally erroneous. 
Several calls were subsequently made by my wife, and yesterday I personally went to the XXXX Ca branch of BofA to speak to a bank officer- We both had a telephone conversation with a BofA rep from Utah , XXXX XXXX -- very civil and accomodating. 
However he stated that he could not send any written confirmation of the transfer -- he quoted a reference number XXXX that he suggested we give to XXXX XX/XX/XXXX for subsequent investigation of their records. 
This ' '' might '' prove that BofA had sent the funds. 
Having been effectively fobbed off by most of the Bof A personnel whom we called ; Having coordinated things with both the merchant and his bank-to no avail, the situation has become extremely frustrating and unacceptable. 
Therefore we request assistance to resolve it
Product: Checking or savings account

On XXXX the XXXX, Simple Bank closed and accounts were allegedly moved over to BBVA. However, since Friday evening at XXXX XXXX XXXX  accounts remain untransitioned and now funds can not be accessed via a debit card or online transfer. The company has now cut off all access to phone support and are ignoring attempts to reach out via email and/or XXXX XXXX  If you go to their XXXX XXXX page, hundreds of people are saying that they can not reach their funds. You can find the XXXX XXXX page at https XXXX XXXX
Product: Mortgage

I updated my Homeowners insurance toward the middle of XXXX to get a bundle and reduce the cost of my auto policy. The effective date shows XX/XX/XXXX. From my understanding, the servicing unit changed to XXXX XXXX effective XXXX. My mortgage is escrowed, so they sent the bill to Hompoint. When the bill was received in XXXX, somehow the bill received was not provided to XXXX XXXX on the transfer and so they are saying they had no record of a bill. The bill went unpaid and the new policy lapsed because of it. I received as the homeowner no notifications of this through the entire process, so I was not aware the policy was in cancelling, nor it had not been paid. I was going on with life thinking I updated my insurance and everything was fine. 

Around XXXX time frame, I received a letter from Homepoint stating that I needed to fax/email evidence of insurance. I did so using the copy of the policy purchased XX/XX/XXXX. I received a second letter a few weeks later asking for the same information " XXXX and final notice '', this time I called them and found out that this policy had lapsed because of non-payment. This was the first I knew about it, sometime around XXXX timeframe. 

I immediately called to renew the policy and make updates. Because XXXX XXXX XXXX XXXX will not reissue a policy when it cancels because of non-payment, I had to use a different insurance company, the very best I could find was {$640.00} more expensive. I was upset because this was not my fault. The bill was sent to Homepoint, but was never paid. If there was an issue, there was nothing sent to me notifying of such to allow me to address before it cancelled. 

The new servicing company, I now know as XXXX XXXX, submitted a " bad debt claim '' to cover the {$640.00} increase as they understood that it was their fault for non-payment and the entire issue. I was to be called XX/XX/XXXX with resolution. No call ever came. 

I then received another letter from Homepoint XX/XX/XXXX asking for evidence of insurance between XXXX otherwise they would charge me for insurance coverage during that time. I called this morning to understand what this was and also to inquire about the bad debt claim to find out that they denied the claim due to not being responsible prior to XXXX. This morning, they basically said that it wasn't their fault, there was nothing they could do, I will be notified how much the insurance is for the lapsed period ( couldn't give me the price over the phone ) and that my only recourse would be to reach out to the " old servicer. '' Last time I checked, I write the check to Homepoint, so me having to spend literally hours on this now going back and forth between the old servicer and new servicer is crazy to me. I will say the women I spoke with at the " old servicer '' this morning was fantastic. I think she is the first person that understood what had happened. 

If they charge me for the missing gap of insurance, roughly $ XXXX {$400.00}, then this whole fiasco is going to cost me over {$1000.00} in total. 

I need some help/guidance on how to get some resolution to this. 

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

I recently got my fraud alert removed ( thank god ) ... .but there was inquiries on my credit report that I never put on at the time so I sent out a 609 letter to verify and never heard nothing back from XXXX  transunion of XXXX  ... .back when I was a victim of identity theft ... they're refusing to removed the hard inquiries that wasnt made by me and I contacting the companies but nothing was never done so I'm sending the hard inquiries information below
Product: Debt collection

As of XX/XX/2023, I have not been able to adequately provide and take care of my family. I opened a new checking and savings account XXXX of 2023, and when I the consumer went to take a look at my account in XXXX, it was frozen with a balance of XXXX XXXXXXXX. I received a payment of {$300.00} to those accounts after the action was taken. I am unaware of who the Debt Collector is, nor what debt they are trying to collect. HELP PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX / {$0.00} / XX/XX/2020
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame.

1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. 15 U.S code 1692 ( g ) validation of debt XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2018 As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

My bank which is a federal credit union, at first did not know of these convenience checks. The convenience check had a 0 interest. I used it and have been using for approximately 4 years now my credit card is ballooned with high interest. I also see as I told the Credit Union that I did not want insurance on the card because I am XXXX, but there was included in the monthly bill. I see also there are two interest rates totaling {$98.00} monthly charge. The convenience check was very deceiving because I thought there were no interest no where did I see an interest. This originated approximately 4 years ago and I was using these convenience checks one each month as it was sent to me on a monthly bases. I really would not have started using these convenience checks if I knew they would turn out with such high interest
Product: Debt collection

XXXX XXXXt is listed on my credit profit as a collection and the original debit creditor which is false information. Exeter Financial which I received a car loan from is the original creditor. My issue is by placing this account in collection the debit will be listed on my credit for more than the 7 year maximum time frame.
Product: Debt collection

I currently have an open account with XXXX XXXX. This account has been active since XXXX. I was overcharge for the car I had which was a XXXX XXXX XXXX. After reviewing my contract my interest rate was extremely high. There were junk fees added to my account. The car value ended up being XXXX. I tried multiple times to return the vehicle but was left stuck with it. My car was involved in an accident by another driver. My insurance company paid the car off and I had gap insurance. For whatever reason XXXX XXXX said they never received any documentation proving that. I sent the documents XXXX and as of today no one can seem to find it ( Scammers ). Ive noticed that this has happened to multiple XXXX. My account was placed in collections and turned over to their attorney. I settled in full on XX/XX/XXXX and have yet to receive the proper documents from CREDIT ACCEPTANCE. The attorney sent me a receipt, and also documentation of the closed account. Ive called XXXX XXXX XXXX trying to get what I need to close the account on their end. Its always a different answer each time I call. My credit shows a lower balance, but it doesnt reflect settled in full. Its showing derogatory marks although Ive disputed everything with XXXX, XXXX, & XXXX based off the inaccurate information. This company need to be investigated for ripping people off, adding junk fees, hidden fast, and high interest rates to consumers with low credit scores. Each rep I speak with are extremely rude and dont want to be on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report. 

XXXX XXXX XXXX {$740.00} ACIMA CREDIT FKA XXXX  {$2000.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the immediate removal of incorrect child support debt information currently listed on my credit report. This request is in accordance with the Fair Credit Reporting Act ( FCRA ) and recent court rulings that restrict the use of consumer reports for certain types of collections. 

Despite the important notice issued by TransUnion regarding the inapplicability of consumer reports for collecting delinquent child support, my credit report still reflects such a debt. The specific details of the debt in question are as follows : Creditor Name : XXXX XXXX Child Support and XXXX XXXX XXXX Child Support Amount : XXXX has a {$18000.00} balance and XXXX XXXX has a {$16000.00} for a Combined total of {$34000.00} as of XX/XX/year>. 
Recent federal court decisions, including but not limited to XXXX XXXX XXXX XXXX Trans Union LLC, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Case XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), have clarified that delinquent child support obligations do not arise from a " credit transaction '' and therefore should not be reported on consumer credit reports. 

TransUnion 's notice explicitly advises third-party collectors and related entities to obtain a consumer report only when : There is a court order authorizing the provision of the consumer report. 
There is written authorization from the debtor. 
There is a contractual agreement that qualifies as a credit transaction. 
I have never provided written authorization for the reporting of this debt, nor is there any court order or relevant contractual agreement. Therefore, the reporting of this child support debt is a violation of the FCRA. 

Please be aware that continued reporting of this incorrect information not only violates federal law but also subjects TransUnion, XXXX and XXXX to potential civil liabilities, including statutory damages, actual damages, and attorneys ' fees. The FCRA allows consumers to seek damages for willful noncompliance, which can amount to up to {$1000.00} per violation, plus punitive damages and any legal costs incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have summited a dispute with Experian for some late payments they are reporting to my account that is not accurate and should be removed from my credit report. I asked Experian to investigate this case as I was always on time with my payments. However they failed to thoroughly investigate my dispute and have not provided me with any valid evidence to there findings. I request these late payments are removed from my credit report as there has been an error with the dates XXXX reported my payments. I repeat my payments have all been on time.
Product: Credit card or prepaid card

Please see the attached documents to understand what had happened.I 'm so stress XXXX  XXXX XXXX that I couldn't even eat/sleep properly because of what is happening to my credit report, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must delete the items identified as NOT MINE in a way that is fair and equitable to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed several false claims on my credit report from Experian. As a result, they received the letter via certified mail on XX/XX/XXXX. It's now been 30 days since the investigation. Therefore, Experian is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Debt collection

I am filing a complaint against National Credit Adjusters for violating the Fair Credit Reporting Act ( FCRA ). They reported an invalidated account to my credit profiles without contacting me beforehand, as required by the FCRA. This action has negatively impacted my credit standing and violates my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have had this XXXX for a couple years and recently ( XX/XX/2021 ) were switching our XXXX from our XXXX account ( personal ) to our XXXX account ( business ) - we knew it would potentially interrupt our existing XXXX process with XXXX so when they called to let us know our payment had been returned we immediately paid both that month and the next month payments to make sure we did not have any issues moving forward. When they called we asked them repeatedly if the account was past due and would be reported as past due - they said that the account was current and that no derogatory information had been or would be reported to the credit bureaus. So you can imagine our surprise when we got an alert through XXXX that our score had been dramatically impacted by a 30 day late reporting. We knew the information was inaccurate and reached out to XXXX who said to contact their dispute department- which we did and left a message - no response - so after a month we finally had a friend suggest we submit a dispute through XXXX to XXXX, which we did. After 20 days they processed it and made NO CHANGES to their reporting even though we provided all the information we could. This incorrect information is drastically impacting our finances, ability to refinance, purchase a car that will fit our XXXX ( now XXXX people ).
Product: Debt collection

At XXXX I received a call from this man and he said he wanted to speak to someone who had my name. I said it was me and I asked who was it and immediately this man threatened to record the phone call and did not identify himself. I do not know where this person got my name and my home phone number. As soon as I heard that the phone call was going to be recorded illegally I hanged up because this was clearly illegal and out of order. I assume this man wanted to rob my identity and was impersonating a collection agency agent but I do not have more information to confirm this but I will not share any personal information with unknown callers.