23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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: Debt collection

I received notice for the attempt to collect a debt on a debt that a JUDGE dismissed due to the PLAINTIFF- ACCELERATE INVENTORY MANAGEMENT LLC not making an appearance in court. I was sued by XXXX AND XXXX attorneys at law and I obtained counsil through XXXX. NOT ONCE WAS the ATTORNEYS AT XXXXXXXX XXXX XXXXXXXX able to PROVE THIS DEBT BELONGS TO ME. I AM now being harassed, I am asking them to prove that this debt is mine. I went to every single court appearance I took and take this matter very seriously. I could have lost my job, and you are attacking not only my credit but most importantly my livelihood and it is not fair. 
ACCORDING TO XXXX XXXX XXXX XXXX I AM IMMEDIATELY REQUESTING 1 ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I ACTUALLY SIGNED FOR THIS DEBT. 
2 ) A DETAILED LIST OF MY HISTORY OF PAYMENTS 3 ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL CREDITIOR. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT.

4 ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!!

5 ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED 6 ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET THIS IS NOW HARASSMENT!! YOU ARE HARASSING ME!! YOU TOOK ME TO COURT AND THE CASE WAS DISMISSED AND YOU ARE CONTACTING ME AGAIN FOR WHAT REASON..
Product: Debt collection

Midland Credit Management , Inc . 




Dear Compliance Department, I am writing in response to your letter regarding the above-referenced account. While I acknowledge your response, I continue to dispute the validity of this debt and request further verification. 

Your letter states that the original creditor charged off the debt and sold it to a third party. However, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting substantive documentation that fully validates your legal authority to collect this debt. The documents provided thus far do not meet the burden of proof required to demonstrate that I am liable for this debt. Therefore, I request the following : 1. Proof of Ownership A complete and unbroken chain of title from the original creditor to your company, including all purchase agreements and transfer documents.

2. Original Contract A copy of the signed agreement that establishes my obligation to the original creditor.

3. Complete Payment History A detailed accounting of all charges, payments, and credits applied to the account, from origination to the present. 
4. Credit Reporting Status Written confirmation of whether this account has been reported to any credit bureaus and, if so, the details of such reporting. 
Additionally, your letter states that the account will remain marked as Cease and Desist. However, if this account is being reported to credit bureaus, I request that you cease all credit reporting until the debt is fully validated in accordance with my legal rights. Reporting unverifiable information to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

If you can not provide the requested documentation, I formally request that this account be removed from my credit report and that you cease all further collection efforts. I also reserve the right to file additional disputes with the CFPB and other relevant agencies if necessary. 

Please provide a response within 30 days of receipt of this letter. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding XXXX hard Inquiries and two car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports TransUnion, XXXX, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2025 The Credit Bureau Transunion stated XXXX XXXX ACCT # XXXX XXXX XXXX, ACCT # XXXX was properly investigation but how it that possible if the account is closed and status is open, the date last active/activity is inaccurate, the last date reported is not accurate who is this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This ground for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Debt collection

I received a " second notice '' fro m Complete Payment Recovery Services  @  XXXX   XXXX   XXXX ,  XXXX , AL  XXXX . It stated  XXXX   XXXX   XXXX   XXXX  wrote a bad check ( #  XXXX  ) at  XXXX  #  XXXX  on  XXXX / XXXX / 17  for {$130.00}, creditor is Certegy Check Services.  CPRS  is demanding {$170.00} from a non-existent company at my home address. The phone # for  CPRS  on the letter is  (   XXXX   )   XXXX  and is not the same as a number online. CPRS wants immediate payment by phone.
Product: Credit card

My name is XXXX XXXX The card was taken over someone stole my identity and changed the email and phone number associated on my Capital One Credit Card. 

I have called Capital One several time and sent Police XXXX as well as letter from myself stating the problem. 

The amount that is fraud is {$1000.00}
Product: Debt collection

They call me ever day 3 to 4 times, i have asked to have any legal documents showing I signed and had a contract with this company for the amount they are asking for and for them to provide it to me and to provide it in writing but they have not do so.
Product: Student loan

American Education Services aka PHEA has returned my payment from XX/XX/ and this was for the amount for {$1200.00} and this is the third time they've done so, despite my using the same bank information everytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX HOSPITAL - Account : XXXX Creditor : ( BLANK ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Debt or credit management

Hello I am in the process of paying off my credit card debt with XXXX XXXX and I am having a hard time reaching someone in regards to my payments that are supposed to be going through XXXX XXXX XXXX XXXX I spoke with XXXX XXXX and I have been trying to contact her for months about payments I have been making and was told she is no longer with the company.. I dont know how my payments are being processed and I am not seeing any updates on my credit profile.. XXXX XXXX does not answer the phone and I am constantly sending money for my credit card payment but I can not speak with anyone about if they payments are being received to resolve my credit card debt.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on TeleCheck and XXXX XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my TeleCheck and XXXX XXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 11. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

12. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

13. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

14. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

15. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by TeleCheck and XXXX XXXX violate my rights under the following laws : 11. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
12. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

13. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
14. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

15. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my TeleCheck and XXXX XXXX. Specifically, I ask that : 5. TeleCheck and XXXX XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
6. TeleCheck and XXXX XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my TeleCheck and XXXX XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I want through a tough divorce in XX/XX/XXXX and lost my job in XX/XX/XXXXand had to start over. I went through some great financial hardship and 2 of my accounts one with capital one and another one with XXXX XXXX credit cards went into collection. Once I got back on my feet I made settlements and paid both accounts based on the settlements with the company. After multiple attempts of good faith and currently being a card member with capital one, it is still showing in my credit report and making it nearly impossible for my score to increase to good credit. I have disputed multiple times with the credit bureaus and have contacted capital one and XXXX XXXX directly for a resolution to no avail. Yes I made a mistake and should have called during the hardship but its been since 3 or 4 years now and I have paid my dues and just trying to improve my life and credit. Please help me get a second chance. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report does not supply an address for the unknown company : Castle Credit. They pulled hard inquiries on my report XX/XX/2020 and XX/XX/2020. I do not recognize their name and have not done business with any such company. No address was provided with their inquiry. I have been turned down for credit previously for having too many hard inquiries some of which like this company, I do not know and another that told me they would not pull a hard inquiry and did so anyway, although I did not do business with them. 

There should be a significant penalty for false inquiries such as this one.
Product: Credit reporting or other personal consumer reports

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT.

SEE ATTACHED XXXX
Product: Bank account or service

I had a account with suntrust bank. I made some deposits that were returned ( another source did n't have enough in the accounts to cover ) Suntrust placed the account on hold. This at the time was my main source as far as banking was concerned. So my employer deposited my pay check into the account. Suntrust refuses to release any part of the deposit. Even if the original items ( that put the account on hold ) were far less than the payroll deposit. I called everyday and was told something different every single day. Now here the kicker the account is on hold, so things that were in auto pay would try to go through. More than enough money to cover the charges but Suntrust sent back the items unpaid and charges {$36.00} each time. So not only was my funds unavailable to be and they would n't release them they also was charging me fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate EXPERIAN HAS BLATANTLY NOT INITIATED AN INVESTIGATION AND HAS NOT SENT ME ANY CORRESPONDENCE THUS VIOLATING MY CONSUMER RIGHTS
Product: Debt collection

They have beein calling at bad times during the day repeatedly. It's annoying and harassement. No one has sent my veriffication. For this action I want them to stop reporting this on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? 
Credit inquiry placed on XXXX Credit Report on XX/XX/2020. I am requesting that the company remove the inquiry. 

Step 2 : What type of problem are you having? 
I did not apply for credit with REGIONAL ACCEPTANCE. I am unable to resolve the issue with the company. The company is not responding or answering phone calls. 

Step XXXX : What happened? 
I received an email alert from XXXX that there was a recent change to my credit information on XX/XX/2020. I contacted REGIONAL ACCEPTANCE at ( XXXX ) XXXX, and was not able to speak to anyone to resolve the issue.

Step XXXX : What company is this complaint about? 
REGIONAL ACCEPTANCE Step 5 : Who are the people involved? 

REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

Subject : Response to Dispute - XXXX Account Ending in XXXX Dear Portfolio Recovery Associates , LLC, I am writing in response to your communication regarding the XXXX account ending in XXXX. After careful review, I hereby dispute the validity of this debt and any information associated with it. 

This response is due to our first claim with the Consumer Financial Protection Bureau ( CFPB ) and your response to it, which we do not agree with. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting validation and verification of the debt in question. Please provide the following : 1. Validation of Debt : Complete validation of the alleged debt with certified documents bearing my signature, as mandated under 15 U.S.C. 1692g of the FDCPA and 12 C.F.R. 1006.34.

2. Verification of Information Furnished : Verification of all furnished information with certified documents according to applicable laws and regulations, specifically 15 U.S.C. 1681s-2 of the FCRA and 12 C.F.R. 1022.42.

Please be advised that according to 12 C.F.R. 1022.42 and 12 C.F.R. 1006.42, any attempts to collect this debt without proper validation and verification are prohibited. Until these requirements are met, I deny all claims and will not acknowledge this debt.

Furthermore, I request the cessation of all communication by phone, text, email, and mail regarding this matter unless it is to notify me that you are ceasing collection efforts. This request is in compliance with 15 U.S.C. 1692c of the FDCPA and 12 C.F.R. 1006.14.

Additionally, I would like to update you regarding the provision of information to third parties. According to 12 C.F.R. 1022.10 and 12 C.F.R. 1022.11, any sharing of my personal information with third parties, including the original creditor, without my knowledge or consent is strictly prohibited. I expect compliance with these regulations and confirmation that no unauthorized third-party disclosures have occurred.

To resolve this issue fairly and effectively, I am requesting the following actions : - Complete validation of the debt with certified documents bearing my signature in compliance with XXXX XXXX. 1692g of the FDCPA and 12 C.F.R. 1006.34.

- Verification of all furnished information with certified documents according to 15 U.S.C. 1681s-2 of the FCRA and 12 C.F.R. 1022.42.

- Confirmation of no unauthorized information sharing with third parties, including the original creditor, in accordance with 12 C.F.R. 1022.10 and 12 C.F.R. 1022.11.

- Immediate removal of all negative information related to this account from my credit report, as failure to validate the debt and unauthorized information sharing are violations of 15 U.S.C. 1681c of the FCRA and 12 C.F.R. 1022.43.

Please note that failure to comply with these requests may result in a formal complaint to the CFPB and other relevant regulatory bodies. 

Thank you for your prompt attention to this matter. I expect to receive the requested information and confirmation of actions taken within the timeframe specified by law. 

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

Gateway Mortgage is state that my mortgage is behind in the amount of {$5300.00} which is not corrected. I have send two certified letter to this company asking them to provide detail of alleged debt and how it was calculated according to FDCPA. It has been 30 days and still no response. i have taking every measure under the FDCPA to get them vaild the alleged debt owe but still no response. I truly need your help with this matter. 

Thanks XXXX XXXX XXXX Cellular
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.