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

I am writing to formally dispute inaccurate information on my credit report regarding two late payments reported byXXXX XXXXon my credit account. 
As an authorized user of this account ( Credit Card under my wife 's name XXXX XXXX XXXX XXXX XXXXXXXX ). I have maintained a consistent history of timely payments for several years. However, Capital One reported a late payment related to anannual fee chargewithout making anynormal attempt to notify me through the multiple communication methods they have available, including email, text message, phone call, or letter. This failure to communicate directly resulted in an unfair negative impact on my credit report. 
Under15 USC 1681iof the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information on my credit report. Additionally, under15 USC 1681s-2 ( a ), data furnishers are required to ensure the accuracy and completeness of the information they report. If the reported information can not be verified, it must be corrected or removed. Furthermore, under15 USC 1666, the Fair Credit Billing Act grants me the right to dispute billing errors, including charges that were unfairly reported without proper notice. 15 USC 1666b : Requires creditors to provide clear and timely statements before reporting a late payment. Capital One failed to do so in this case.

Given that this situation has negatively affected my credit score, I request a thorough investigation into these late payment entries. If Capital One can not provide verifiable proof that they properly notified me and that the reporting was accurate, I formally request that these late payments beremoved from my credit report immediately. 
Please find attached relevant supporting documents for your review. I expect a written response within30 days, as required by law.

Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably. 
Sincerely, XXXX XXXX
Product: Debt collection

On XXXX/XXXX/XXXX at XXXX am, my co-worker said I had a call and the persons name was XXXX XXXX. I spoke with the person and she informed me that she is a debt collector for My Quick Wallet. I explained to not call me at work and she said that if I responded back to the calls she would n't have to call me at work. I hung up, she then called me back XXXX more times at work in a row. I called My Quick Wallet and asked if this normal steps to collect a debt. He said yes and that she was not doing anything wrong and she was following the proper steps to collect a debt. So I got no where with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize for any information on my Credit profile to be shared. the following account is invalid XXXX  XXXX XXXX  ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. )

Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out Notice after Notice. I startedXX/XX/XXXXanXX/XX/XXXX, and the last one was onXX/XX/XXXXto Experian. They are not responding to me at all, neither by mail or email. And I only to them they are listing a bankruptcy on my credit report, I was wondering what method they used to retrieve such information. I only want to know what methods they used to verify this information on my credit file. They will not respond back to me and its a fair simple question. I asked them to refrain from responding with a typical verified response I am not disputing such information. To no avail is it anyway you guys can help me out.Oh and one call they hung up on me after awhile..
Product: Mortgage

We were sold a Pick-a-Pay loan in 2006 by Mortgage Broker XXXX XXXX with XXXX. XXXX XXXX was bought out by Wachovia and then Wells Fargo bought both XXXX and Wachovia. My mortgage was never assigned to XXXX XXXX, Wachovia or Wells Fargo. I have put in several complaints regarding my issue but Wells Fargo denies all allegations and never supplies proof of anything. XXXX XXXX at Wells Fargo is assigned to look up the origination of my loan and they must prove that they own and was assigned my mortgage. They must also show proof the origination of my loan was not fraud but until now no proof has been supplied on Wells Fargo side. There are XXXX mortgage recorded in 2006 for XXXX different amounts. There are 3 applications : 1 ) showing my income as {$6200.00} per month ( I have this in my possession ) It was handwritten. 2 ) another showing my income as {$8000.00} ( generated by Wells Fargo ) I have this XXXX in my possession, and 3 ) regarding a so called equity line of {$35000.00} in which Wells Fargo has yet to show proof of. I have no recollection of an equity line. Nothing has been recorded for an equity line. They are trying to foreclose and can not without proving they have an original. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my credit card was charged for {$20000.00} to pay off my account. I spoke with XXXX on XX/XX/2018 and she opened a ticket to make sure payments are updated because she could see that fund were received on XX/XX/2018. I received a letter dated XX/XX/2018 that said, XXXX XXXX XXXX XXXX XXXX reported the default of my Federal Family Education Loan. I spoke with XXXX from XXXX XXXX XXXX on XX/XX/2018 who said the account was pulled from their office and she referred me to XXXX  Post Claims. I called XXXX Post Claims and spoke with XXXX on XX/XX/2018 who said the account was closed on XX/XX/2018. She said that payments may be held for 45 days from initial payment. No updates to the account for 3 months and 8 days. It appears the financial institution does not have reasonable policies and procedures to process payments timely, close accounts promptly, provide accurate disclosures or provide accurate information to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Good day i recently file a complaint against Transunion for errors being reported on my credit report my request has been ignored by Transunion my initial complaint number XXXX i have given this company the allotted by law to perform necessary investigation on said issues on my credit report from every angle Transunion has XXXX me for pursuing my rights as a legal citizen they have used stall tactics to hurt not only my financial life but also including my personal life i have denied unemployment and credit due to this company using fraudulent tactics that have ruined opportunities that have forwarded me the opportunity to be a better citizen and father. 

XXXX. XXXX in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

Transunion you have violated my civil rights with stall tactics and by law you shall remove all items that i have disputed on my Transunion credit report effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call XXXX  several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1.XXXX  XXXX  XX/XX/XXXX 2XXXX XXXX XX/XX/XXXX 3.XXXX  XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX  XXXX XX/XX/XXXX 10. XXXX  XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX with Capital one. This is the second time i have applied with them. But both times they keep saying XXXX  is reporting my score to be XXXX. This has happened both times and were the cause of my denial. I contacted XXXX  the next day and pulled my score which was XXXX and has been for months now. XXXX emailed me back and gave me instructions to report them to you and other agencies. I have all the receipts of email from both Capital one and XXXX. This is affecting my business ventures. I have over 700 scores with all three major Bureaus. 

I need something done about this. Now I checked my XXXX  score and it is XXXX as of XX/XX/2021 because of the hard pull from Capital one who denied my application on false info twice. 
Thank you very much, XXXX XXXX XXXX
Product: Debt collection

Received numerous phones call regarding a possible debt that someone else possibly did. I have had my identity stolen and filed all proper paperwork with the FTC, the Police department, Social Security administration and the FBI. They have called my parents home, my unlisted cell phone and made a number of threats. I have called and explained to them that this is not my debt and my attorney will be contacting them.
Product: Debt collection

I received a letter from MRS BPO a debt collection agency stating that I owed a debt of XXXX to discount power. I do not recognize that power utility company. I attempted to call MRS BPO however my calls repeatedly went unanswered. I wanted to find out if somebody used my identity to open a utility account. I verified with my bank that recent payments have been successfully processed with my existing utility company.
Product: Credit card

I had an order totaling {$120.00}. I made a partial return totaling {$75.00} on XX/XX/23. There is a {$9.00} return fee so I should have received a credit of {$65.00} on my card. I paid the remainder of the bill and waited for my {$65.00} credit. On XX/XX/23 I received an email stating they received my return and were processing it. About XXXX week later I called and had to leave a message. Someone called back the following day, and I asked where my credit was on my card. They told me it takes XXXX business days and so I should wait another XXXX days. On XX/XX/23 I received a bill for {$66.00} ( {$65.00} plus interest ). I tried calling several times. When asking for customer service I am transferred to a medic alert promotion. I emailed and received a response to email more information, which I did. After that no one has gotten back to me. I am frustrated and closed my NY & Company card. I just want my card credited for {$65.00}. I returned some merchandise and they acknowledged that but are now trying to charge me for it plus interest.
Product: Debt collection

I received a call from XXXX saying that they were a law firm representing Speedy Cash and that they were about to place a lien on all of my assets if I didnt resolve the matter today. I hung up and called Speedy Cash to verify if I had ever received money from them, in which they told me no I did not have any balance there that was placed for collection. They tried to call me again from XXXX and left a voicemail. I didnt not return this call. They stated that I owed {$5900.00} and would settle for {$1100.00}. Speedy Cash confirmed that I never had a balance with them.
Product: Mortgage

My husband and I opened a mortgage loan with Wells Fargo in XXXX. We were told that we are not eligible for the settlement and I do not understand why. The interest rate assigned to us was higher than the market rate at that time. We are minorities and we even informed the WF representative that we felt that because we were minorities we were not receiving the best rate. I believe our rate also increased and we were unable to lock it in. We had to refinance our mortgage in XXXX due to the higher rates.
Product: Credit card or prepaid card

I paid off my credit card balance on XXXX XXXX, 2022. I did not receive credit for the payment during the XXXX or XXXX and now XXXX billing cycles. The check was cashed by the bank ( credit card company ) on XXXX, 2022. I reported this to the bank and sent a copy of the cancelled check. They told me that they would conduct an investigation which may take up to 60 days! During that time I should not have to make payments or accrue interest which they have not been doing. 

I again inquired about the status of the issue and was now told it would take 90 days! I was also told I must make payments and I will be charged interest ( on money I do not owe ) I have tried to get an update as recently as today to no avail. I believe I need support from your agency to resolve this matter. 
Thank you
Product: Debt collection

XX/XX/XXXX XXXX called me yet again after i callrd them twice and ask that the stop harassing me when i get a check i will pay i did sent XXXX dollars that was i can afford they keep harassing i want it to stop now
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX
Product: Mortgage

Select Portfolio Servicing sent me a repayment plan with outrageous terms in XX/XX/XXXX. They requested a monthly repayment of {$6600.00} per month for 12 months and a balloon payment at the 13th month for over {$40000.00}. This is extortion. They also provided NPV information with only XXXX items on it. The NPV had old financials from XX/XX/XXXX. They never contacted me to ask me if my income was still current. They also claim that both me and my ex-husband has the same XXXX credit score which is not true. They just pulled these numbers out of thin air and created some foolishness. They also are not compliant with the XX/XX/XXXX final settlement with XXXX and the Department of Justice. Even though that settlement agreement offers consumer relief SPS refuses to offer any consumer relief. They know their days of being in business are over. It seems as though they are trying to get as much money from homeowners as they can before they are forced to close their doors.
Product: Debt collection

I noticed an account on my credit report that I did not re-call owing and I did not know who the collector was so I sent them a letter asking them to verify the debt back on XX/XX/XXXX. They merely sent me an invoice with an amount with little to no information about the debt. 

On XX/XX/XXXX I advised them that what they sent me does not prove the validity of the debt just that the debt exists on their records. I advised them that reporting collection activity on an account which has not been validated is a violation. 


On XXXX/XXXX/XXXX I proceeded to notify them that without necessary proof I would be filing complaints without further response from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, XXXX / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, XXXX must delete this information from my report and send me an updated copy when this correction is completed, XXXX must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & XXXX with the BBB. This also being reported to Experian in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. XXXX needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.
Product: Debt collection

On XX/XX/XXXX I mailed the debt collector ( Portfolio Recovery LLC ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus on XX/XX/XXXX which is the deadline for Their XXXX validation window. I have not not received a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. I would like the collection taken off all credit reports and stopped being pursued in my name as is my right under the Fair Debt Collections Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Experian has been compromised ( i.e. hacked ). When seeking to login to their service using my credentials, I am unable to do so. When I access " Forgot Username '', it indicates that an email with my username has been sent to an email address not associated with me and that I do not recognize. 

I've repeatedly tried calling the only phone number they have listed ( XXXX XXXX XXXX ) for assistance with this matter, but there is no ability to speak with a live person to help resolve and there are no automated prompts to address the issue I've encountered. I've subsequently sent email to XXXX and while I initially received a reply requesting additional info to verify my identity, I've not received a further response back from the company. This issue remains outstanding and there appears to be no way to get in touch with someone who can assist in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate accounts reported on my credit file
Product: Debt collection

Starting on or about XXXX, 2014, Transworld Systems Incorporated called my personal phone and alleged that I owed a medical debt amounting to {$1300.00}. I responded that the medical fees should be {$450.00}, but the caller responded that the {$900.00} was an additional expense in addition to the {$450.00} medical fees. The {$900.00} additional expense was not explained any further. 

After this phone call, I called the hospital to which I owed the medical fees, the hospital confirmed that I had medical fees amounting to {$450.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous disputes to the XXXX, Experian and XXXX   consumer reporting agencies, these companies continue to report a fraudulent XXXX XXXX account under account number XXXX. Not only have I forwarded copies of my driver license and FTC Affidavit, I have forwarded a verified police report. Each of these companies have refused to investigate and block reporting of said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.