23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Southwest recovery services contacted my about a credit card swiper that was not returned. They could not provide proof of a contract, a signature, nor proof that a credit card was ever swiped by us on any kind of credit card machine. We do not use them as we are a wholesaler. Customers do not come into our factory. We don't have a public face and have no use for a credit card swiper. I repeatedly told them that the debt was not mine. Some how they got my personal info and put a derogatory remark on my personal account. We are shopping a mortgage and they tanked our credit. I feel like this is extortion. They want me to pay them to go away. They are scammers and need to be taken off the market place. Please help us, they should not be allowed to get away with this.
Product: Credit reporting

My credit monitoring service reported a negative change with Experian. Since my credit score is normally around XXXX i take my credit very seriously. Right away i filed a dispute with Experian online XXXX advising the account is not mine as i dont know the creditor nor do i have knowledge of any business with that entity nor ever received any bills. On XXXX Experian emailed me to advise the item remains on my credit report. Surprised, i called the company reporting the item. They quickly verified the item does not belong to me based on my SSN and DOB. I provided the contact name and extension as well as the info from the creditor they used to verify the account is not mine to Experian via phone on XXXX/XXXX/2016 to XXXX in their XXXX. She re-opened the dispute. I just got back the results today advising the item remains. How is that possible when i already verified with the creditor they show reporting the item, as well as provided details of whom there verified it is NOT my account. Experian is not doing their job properly and i need this item removed from my credit report. Experian has my SSN and DOB. Why cant they compare that against what its being reported and determine it is indeed not my account?
Product: Debt collection

I chose # XXXX because I did n't see an appropriate point under " False statements or representation. '' NATIONAL CREDIT SYSTEMS , INC '' told me I had to pay the debt by giving them my CHECKING ACCOUNT NUMBER in order to " Protect your credit. '' And when I said I was n't giving them my acct number she said " Well, like I told you, giving me your checking account number is THE only way to protect your credit. '' I called within XXXX days and said I wanted a letter statin that if I XXXX they would contact the credit bureaus to say the debt was XXXX, and that I was going to send an official money order for the XXXX payment. AGAIN she said if I did that they could not ensure my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  I completed a my financial assistance with XXXX that was approved ; XX/XX/XXXX was notified of the collection appearing of my credit report and I disputed the debt on on three credit bureaus. XX/XX/XXXX I contacted the XXXX and on XX/XX/XXXXXXXX  I was informed that my application was approved, I disputed the debt a second time and Americollect/ or the credit bureaus validated the medical collection by keeping it on my report stating it would not be removed despite me providing the documentation that It was medical and that I did not owe any amount as this was paid by financial assistance through XXXX XXXX XXXX XXXX and private insurance. On XX/XX/XXXX I disputed it again after I requested XXXX provide a letter of explanation showing the renewal of my financial aid from XX/XX/XXXX through XXXX of XXXX and they explained where I could provide this proof ( which I had already done ) and sent me of the letter, this should have satisfied that my account was paid in full, and my last co-pay would be re-funded. On XX/XX/XXXX I emailed Americacollect, they have refused to correct the incorrect information reported. XXXX, XXXX and XXXX all refuse to remove the incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a bankruptcy on my credit report that should not be reporting. I spoke with multiple supervisors regarding this issue ( XXXX, XXXX, XXXX and XXXX ) regarding this issue. I was advised that they were obtaining their information from XXXX and I reached out to XXXX and recieved written documentation from them that they do not have a bankruptcy on file for me. I also went to the Federal Court and was provided with a letter advising that they have not provided that information to anyone and TransUnion still refuses to bemove this and ALL associated accounts from my credit report. Please see attached documentation. I will seek damages legally if this is not resolved in a timely manner.
Product: Money transfer, virtual currency, or money service

I am a victim of a scam. In XXXX of XXXX, A woman claiming needing help. She provided authentic documents had me send two wires from Citizens bank. One was for XXXX and XXXX. A couple of weeks later, Citizen bank fraud Dept called me and I verified this was fraud. I had filed a report with XXXX Police in RI. 

In XXXX, the same woman contacted me and said her agent to help her get out of trouble needed money. She said, a phony name of XXXX XXXX, said a client managed to get funds and transfer money to my account. I gave her the information of my account and two notifications of approx XXXX came through. She also had my user and password which she conned me into. I did a check in XXXX of this year to a person in NJ she said was a person to help. The money was deposited in my account and I did a check. On Friday XX/XX/2023 my checking account was frozen for Fraud. I went to the bank on XXXX XXXX in XXXX XXXX RI every day to see what was happening. I was told that my accounts were froze. I have a XXXX credit line. I was concerned about this. Every day from XX/XX/XXXX to XX/XX/2023 the balance was around XXXX. On XX/XX/XXXX, the balance jumped to XXXX The bank manager had said my accounts were frozen due to XXXXraud Why was my HELOC on frozen since the money went in there. 
I had an attorney involved but with no luck. 
The XXXX of the XXXX would not honor my claim. I told her I called XXXX XXXX at the Citizens Fraud Dept about why the HELOC account was not frozen during my checking account was. XXXX told me she had limited visibility and did not communicate anything to the HELOC Dept. 

I called the FBI office in XXXX today, XX/XX/2023 and talked to Special Agent XXXX XXXX. XXXX XXXX XXXX told me the bank should of noticed something was wrong in XXXX and XXXX. 

The FBI office in XXXX is working with the XXXX Police in RI as of today. 



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Product: Mortgage

The company is not properly reporting my on time payments to all three credit reporting agencies. They do not report my payments or even that I have a mortgage with XXXX. Ditech currently reports my debt to be reaffirmed after Bankruptcy to XXXX and XXXX. And per Bankruptcy laws and FCRA my monthly on time payments need to be reported as such to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 one 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 CREDIT BUREAU 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 collections 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: Credit reporting or other personal consumer reports

My account with Equifax 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 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.

Equifax 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: Credit reporting or other personal consumer reports

Subject : Formal Demand for Removal of Inaccurate Information Under FCRA To Whom It May Concern, I am writing to formally demand the removal of inaccurate and harmful information concerning my XXXX  XXXX XXXX XXXX XXXX ( XXXX : XXXX ) from my XXXX credit report. Despite my submission of substantial evidence through the CFPB portal and your reinvestigation process, this matter remains unresolved. Your response focused solely on alleged late payments without addressing the central issues of violations under the Lemon Laws and the Truth in Lending Act ( TILA ).

Background on the Dispute Vehicle Details : XXXX  XXXX XXXX XXXX XXXX ( XXXX : XXXX ). 
Issue : The vehicle qualifies as a lemon under applicable Lemon Laws. Additionally, XXXX XXXX relied on a fraudulent contract, which is not the agreement I signed, violating the Truth in Lending Act ( TILA ). 
Evidence Provided : I submitted documentation showing the vehicles lemon status, violations of TILA, and evidence of XXXX XXXX presenting a fraudulent contract during the repossession process. 

Experians Inadequate Investigation Your reinvestigation focused only on late payments while ignoring the following key facts : 1. Fraudulent Contract : XXXX XXXX provided a contract that does not match the one I originally signed, raising serious legal concerns. 
2. Lemon Law Violations : The vehicle qualifies as a lemon due to significant defects, rendering the loan and subsequent repossession invalid. 
3. Failure to Verify Information : Your process did not address the legitimacy of the contract or the legal disputes I raised. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX is obligated to : Conduct a thorough investigation ( 15 U.S.C. 1681i ) that addresses all aspects of a dispute. 
Correct or delete information that can not be verified or is deemed inaccurate ( 15 U.S.C. 1681c-2 ). 

Legal Demand I demand the following actions be taken within 15 days of receipt of this letter : 1. Immediate Removal : Delete all information regarding the XXXX  XXXX XXXX XXXX XXXX from my credit report. 
2. Written Confirmation : Provide written confirmation that the inaccurate information has been removed. 
3. Furnisher Details : Provide the name, address, and phone number of the furnisher of this disputed information. 

Failure to Comply If you fail to address this issue adequately, I will take legal action against XXXX for : Failure to conduct a proper investigation under the FCRA. 
Reporting inaccurate information that harms my creditworthiness. 
Failure to comply with federal and state consumer protection laws, including Lemon Laws and TILA. 

In court, I will seek statutory damages of up to {$1000.00} per FCRA violation, actual damages for financial harm, and reimbursement of attorneys fees and court costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX # XXXX, DOXXXX, Amount {$2000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX  XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX XXXX AC XXXX XXXX, DO : XX/XX/XXXX, Amount {$750.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$180000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$2600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX by XXXX XXXX put an unauthorized inquiry on my report on XX/XX/XXXX the issued documentation on XX/XX/XXXX stating it would be removed but TransUnion has failed to remove it so I am filing a complaint against both companies to have the inquiry immediately removed.
Product: Debt collection

I have informed collector of my new mailing address but yet collector still send collection letter/notices to my old address which my sister live. Collector seems to use the mailing to old address for important documents/court order to which I did not received and fail to report and result in a default judgement. I have letter written to inform collector with settlement check which the cashed and acknowledgement of my new resident/mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Experian credit report in XX/XX/XXXX and paid the XXXX $ trial fee. I then on XX/XX/XXXX canceled my account. However, though it shows account is closed on the Experian dashboard and I have an email showing this, I was charged XX/XX/XXXX for another monthly fee of XXXX $ Due to this I was also overdrafted from my bank and charged a XXXX $ overdraft fee. 

I have tried to call all of their numbers and can not connect to anyone to dispute this or ensure the account is closed. I would like to report Experian for Fraud on my account of charging me this monthly fee after having closed the account over a month ago.
Product: Debt collection

This is a case concerning XXXX XXXX. First, the debt is XXXX, as my account is closed. I still retain online access to my account, and I have a XXXX balance. However, the company reported me to a collection agency, which in turn reported to a credit bureau, thus damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX XXXX XXXX XX/XX/2017 2. XXXX/ XXXX XX/XX/2017 3.  XXXX XXXX XXXX XX/XX/2017 4. XXXX XX/XX/2017 5. XXXX XX/XX/2017
Product: Credit reporting or other personal consumer reports

The following accounts there are inaccuracies on the alleged accounts. On XX/XX/XXXX XXXX states that my payment was made on time on XXXX states that a payment was made 30 days late. XXXX states they have no history of a payment at all. When you provide information to my credit report, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. Please see the inaccuracy below. XXXX also states that my last activity was XX/XX/XXXX, XXXX states XX/XX/XXXX, XXXX XX/XX/XXXX ALSO These accounts have exceeded the legally mandated reporting period of seven years, and as such, they should no longer be affecting my credit score or financial standing. Enclosed with this letter, please find copies of documents supporting the age of these accounts, including [ mention any supporting evidence like payment records or correspondence with the creditor. I kindly request that you investigate this matter and, if found to be in violation of the Virginia Statue of limitations five to seven-year reporting limit, remove these accounts immediatley from my credit report promptly. 
I understand that federal law, under the Fair Credit Reporting Act ( FCRA ), requires credit bureaus to protect the information shared on my report.
Product: Mortgage

Wells Fargo mortgage is reporting a negative remarks on the mortgage account that was never defaulted, never included in chapter XXXX bk. Property was sold and loan was paid off. 
Numerous attempts and requests sent to wells fargo mortgage were ingored. All XXXX CRAs are reporting this closed mortgage account with remarks : WELLS FARGO HOME XXXX # XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Opened : XXXX : Individual AccountAccount Type : Mortgage AccountLoan Type : CONVENTIONAL REAL ESTATE MTGBalance : $ XXXX Updated : XXXX Payment Made : XXXX Balance : $ XXXX Status : XXXX ; Account Included in Bankruptcy & lt ; Date Closed : XXXX : XXXX ; CHAPTER XXXX BANKRUPTCY XXXX ; ; DISP INVG COMP-CONSUM DISAGRS ; CLOSEDEstimated month and year that this item will be removed : XXXX
Product: Mortgage

I have a loan through DiTech, who is servicing my current mortgage. I am in the process of refinancing to another lender. That lender requested a payoff from DiTech 9 business days ago. I called DiTech and they acknowledged they received the request 9 days ago, but appear to not have an answer why they wont provide either the lender or myself a payoff amount. I have submitted a request online and via phone with DiTech as well. I can not access that information on their website ; the message on the payoff tab says " unable to process ''.
The co-lender on the loan, my ex-wife, filed bankruptcy years ago which affected the estate. That bankruptcy has since been discharged in the courts by the Trustee and the Judge. DiTech has been notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, have 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 with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

I make an effort to pay my credit cards on time each month. Since I've been under-employed due to layoffs in my industry, I have been carrying balances on my Capital One credit cards. I always make the minimum, even when it is a great struggle, and I am never 30 days late. Recently I have had to pay late due to difficulties getting paid for some gig work.

Capital One charges {$29.00} for the first late fee, and {$40.00} for the second late fee in a row. They forgave the first late fee last month when I called to ask ( I hadn't paid late in over six months and they agreed to refund the fee ). However, I had to pay a few days late again the next month, and they charged me {$40.00}. I did not think this was lawful ( I may be misunderstanding the details of the policy and when it goes into effect, but I thought that late fees had been capped at {$8.00} due to the recent junk fees policy ). I have also been charged {$29.00} late fees by other credit card companies recently.

Capital One has made over {$900.00} in interest on my debt in the past year. The late fees are truly adding insult to injury. Thank you in advance for any assistance you can offer in enforcing the new {$8.00} cap on credit card fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to Transunion on XX/XX/XXXX and was received on XX/XX/XXXX via tracking update. No response as of XX/XX/XXXX.