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

COMENTY IS FAILING TO REPORTS ALL ACCOUNT TO  XXXX . THESE ARE UNLAWFULL ACTS TO CONSUMERS.     RE-INSERT ALL ACCOUNTS ONTO OUR CREDIT REORTS.     THIS VIOLATING THE DODD-FRANK ACT AND OTHERS LAWS.
Product: Money transfer, virtual currency, or money service

There was a time when I used zelle and it didnt ask me to make sure I knew this person or make sure this is who I wan na send money to and a few times I had sent money to the wrong person but I was basically told that there was nothing they could do to get it back
Product: Checking or savings account

Chime suddenly e-mailed me that my account was closed to to policies, when I looked up the policy it was due to them believing that it's a business account when it is simply my personal account. I've been emailing them and talking to them on the phone about getting my account back and the money within but I'm not getting a lot of answers. I am between jobs right now so all the money I have in the world is in that account and I need it to cover utilities and rent
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 

1 XXXX XXXX  Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting

I am filing this complaint against Trans Union. My written dispute was received by Trans Union on XXXX XXXX, 2016. Trans Union did not perform an investigation. The credit report was a regular credit report ; not the annual credit report. Since it was a regular credit report according to the Fair Credit Reporting Act, Trans Union had 30 days from date they received my written dispute to conduct their investigation. Today is XXXX XXXX, 2016. Trans Union clearly has violated the Fair Credit Reporting Act. Items that can not be verified within the 30 day period must be removed from my credit report. Please make Trans Union remove these unverified items listed below. Trans Union is and has violated the Fair Credit Reporting Act. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX I have wrote Trans Union more than 5 times, with proof showing them I have never lived in TX. That this address was used when my identity was comprised, but they will not remove this address. 

Please help me.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent Dear Credit Reporting Agency ( s ), I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported.

Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ).

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 
I request that you provide proof of compliance with these requirements, including : XXXX. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt. 
XXXX. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement. 
XXXX. Evidence that the statement was mailed or delivered at least 21 days before the payment due date. 
Without this evidence, the creditor can not lawfully report a payment as late.

Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. 
In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report.

Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports XXXX XXXX  Account XXXX XXXXXXXX I expect that you will fully investigate this matter and provide a response within the time frame required by law. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX : Case # XXXX The response from Webster Bank is a LIE, XXXX XXXX NEVER had a POWER OF ATTORNEY that would enable her to handle my fathers financial affairs. I attached the Medical Representative document and the Advanced Directive document. 

The contact number listed in the Webster Bank response letter XXXX is THE PHONE NUMBER TO AN ADULT SEX LINE!!! It's NOT THEIR BUSINESS NUMBER!!!
Product: Debt collection

XX/XX/year> WFBNA CARD XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute of Debt Account : XXXX Dear WFBNA CARD I am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws.

The debts in question were not discharged in October but were instead canceled via IRS Form 1099-C, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. Any attempt to collect on a canceled debt is a violation of federal law.

It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent.

This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income.

Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA.

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under UCC regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case.

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt.

Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies.

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately.

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, may result in legal action against your company.

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Cell XXXX
Product: Mortgage

We had a XXXX XXXX XXXX with Citizens Bank, I had tried to payoff the balance of {$460.00} online and it did not appear to go through. On XX/XX/22 I went to the branch and asked if they see that an online payment is coming through, they said no. I asked for the payoff amount and gave them a check for that amount of {$530.00}. On XX/XX/22 {$460.00} was then deducted from my account. I called right away and was told they don't see it, but supposedly put in a cancel. I called again about a week later and was told oh they have it and was just sitting there. A few days later I called back and was told about 10 days ago that they were sending it to me via fed ex. As of Friday XX/XX/22 I had not received the fed ex. I called and no one called back. I called again today and continue to get a run around. I suggested that I just come to the bank and pick up the refund, no they can't do that said XXXX they alleged branch manager. Who has been giving me the runaround. I just want a refund of the overpaid amount and I want them to stop lying about where it is, since they still have it and my loan is paid in full since XX/XX/22. And I have yet to receive my documents stating that the loan is paid in full.
Product: Credit reporting or other personal consumer reports

I recently reviewed my tenant screening report and noticed an eviction on my credit file that I do not recognize I need this removed immediately it hurting my ability to obtain housing for myself and also my family. Please prove that this belongs to me if not remove as soon a possible
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, 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 ( XXXX XXXX XXXX ) 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 XXXX  days before the payment due date. 


( XXXX, 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 XXXX  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, credit repair services, or other personal consumer reports

I paid XXXX charge off in full. XXXX keeps reporting as not paid and the credit agencies are not investigating, please see documents attached. 

XXXX closed one of the disputes in less than 24 hours saying that it was investigated and verified accurate, both companies XXXX XXXX XXXX XXXX ) blame each other.
Product: Credit card

I am a victim of ID theft starting around XXXX and I found out earlier this year. There are several accounts listed under affirm credit account loan that I did not open. I have a police report stating so and that is all I am required to provide them by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become a victim to identity theft. Someone maliciously used my information to get credit. Help me to remove/block fraud items listed on my Chex Systems report. I did report these fraud items to law enforcement Under 15 U.S.C 1681B permissible purpose of consumer reports, the credit bureau or creditor does not have rights or consent from me to report this fraud item and/or exploit any of my personal information under FCRA guidelines XXXX Please help delete/ block the fraud and inaccurate items listed on my credit reports. Additional Inquiries : XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX - Inquiry Date XX/XX/XXXX
Product: Debt collection

I've recently noticed a alleged debt that fell into derogatory collection account by a company under the name Professional Placement Services on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). The alleged debt has several inaccuracies, so how do I even know the debt is real? The inaccuracies are as follows : XXXX stated the date the date of last activity was XX/XX/XXXX, where as. XXXX states the date of last activity as XX/XX/XXXX. Furthermore ; XXXX is reporting this as an Open Account & XXXX is showing it as closed. XXXX has removed this alleged debt from my account due to it not being able to be validated. I also never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt? I sent a debt validation request letter to Professional Placement Services via mail on XX/XX/XXXX. Tracking shows that the letter was received by Professional Placement Services on XX/XX/XXXX. It has been more than 30 days and I have not received any type of debt validation letter.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

To whom it may concern : This letter is a formal complaint that that inaccurate and incomplete credit information. 
I demand to see verifiable proof such as an original contract with my signature on it. 
I demand that the following account be verified or removed immediately. 
Amount {$540.00} XX/XX/year>
Product: Credit reporting or other personal consumer reports

CHARGE OFF ACCOUNT THATS BEING REPORTED XXXX XXXX XXXX - Reporting Charge off balance of {$1400.00} Dated XXXX. 
XXXX  XXXX XXXX Charge off balance of {$570.00} Date XXXX. 
XXXX XXXX XXXX Reporting Charge off balance {$0.00} XXXX XXXX.
Product: Checking or savings account

I deposited a check into my bank account. I was told the deposit would be processing that day and then available the next day. I received an email that the full amount of the check is on hold for XXXX whole days. I spoke to a consultant who said the deposit fraud team placed a hold on a pay check. Not sure why
Product: Student loan

My XXXX student loan was bought by XXXX. They said they were going to move the student loan over to the XXXX system, and give me a 71 % discount on the loan. I have n't been able to make any payments because I am paying the XXXX student loans. 

It is showing that this loan is going in default, and also that the loan has n't been switched over to XXXX. 

I am filing this to get a deferment so that the XXXX Student loan can be transferred over at the new 71 % discount rate, which would make the loan originally less than XXXX dollars. 

The implementation of the loan onto XXXX 's website has taken so long it has started affecting my credit score. 

I tried to call AES to put the loan on forbearance or deferment but to no avail they will not work with me to do the deferment. 

I need it to be deferred XXXX more months. So the loan can be transferred over to XXXX, and be rolled into the bankruptcy settlement.
Product: Mortgage

I 1st notice it XX/XX/XXXX when I try to make my payment on line that I was one month behind so I call was able to make payment for XXXX. And the rep. Told me to call the following week she was going to note it. I call the following week that the rep was going to talk to supervisor so supervisor would look into cash dept. I did explain to them I have my back statement where it shows the dates Selen has been withdrawn the payment. Also they can't find a check that send back in XXXX but my bank shows it was process and stamp by them. I call this Monday XX/XX/XXXX to call back Wednesday well Tuesday and Wednesday collector 's call me that I owe again I explained and again they told me to call Friday today XX/XX/XXXX now the rep tells me I need to do it in writing. Am upset cause no one told me that and I ask to speak to supervisor oh supervisor not there they will transfer me to voice mail but the rep said this it says they will call within 24 hours but they wouldn't. XXXX  is right around the corner my credit score went down. Please advice XXXX XXXX email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered that some accounts and inquiries do not belong to me. I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and inquiries have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to these accounts, but the creditors would. Also, I saw most of these inquires have the same date. I did not authorize these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX and i have been disputing these items for over a year. These companies are in direct vitiation of CRA 's section 609 because they did not display my full account number on my report. I have never given none these institutions right to report partial, scramble or rearrange any account numbers on my report which is out of compliance as false information showing on my report. These creditors have a xxxx 's in the place of numbers on my report which is inaccurate. Some of there names are spelled different from their creditors name on my report. Please remove these accounts off my report or will be forced seek further legal counsel. The FCRA clearly states that everything on your credit report must be 100 % accurate or it must removed. 


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

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 


XXXX XXXX XXXX XXXXXXXX Balance : {$430.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance XXXX {$81.00}
Product: Credit card or prepaid card

This company has the worse service Ive ever dealt with. I made a complaint with you and a lady named XXXX acted like she cared but could never get a hold of her the line is always Busy. I have made this very clear my XXXX item was returned with XXXX XXXX  and have the buyer acknowledging that as well. Its pretty clear a credit is due I dont know what why I have this frustration trying to get them to acknowledge that I have already returned it jeez guys its not that hard to see when the information is clearly in front of you. I have asked for a credit to be due and closing my account with them Im really done with these guys horrible customer service and horrible customer relations I dont need that. I have provided the tracking and pictures when I sent that item back to vendor.
Product: Debt collection

XXXX XXXX XXXX reported me as a collection account and did not notify me beforehand that I had an account with them. I have received no contact from them at all before them reporting me to XXXX. I just sent a certified letter to XXXX XXXX XXXX today and have disputed the account with XXXX. There was no change to my credit report. 

I am sending a letter to XXXX tomorrow advising them that XXXX XXXX Investing has violated the rules of the FDCPA. XXXX XXXX Investing appears to be a predatory debt buyer who feels that rules do not apply to them.
Product: Debt collection

I received a letter dated XXXX from Hillcrest, Davidson and Associates. 
This letter demanded XXXX from me stating that I owed XXXX XXXX XXXX for the remainder of a contract. This is patently false. 

1. I have NEVER contracted with XXXX home security 2. The owner of the contract was listed as XXXX XXXX XXXX XXXX where I served as the pastor. I left that job in 2000. 
3. I have lived in XXXX IL for almost 19 years 4. I called the company on XXXX The associate was threatening. He told me that if I didn't pay it, " go ahead and enjoy your life with your credit score destroyed! ' 5. After being threatened by this unruly person, I called XXXX home security where I spoke with XXXX in billing. After much consultation he assures me that there is no outstanding money that I owe. He could not even find an account with my personal info. He even suggested that this may be a scammer trying to extort money from me. 
5. I call Hillcrest again only to be demeaned and the the man hung up This is wrong, unethical and perhaps illegal These companies need to know that they are not the financial mafia