23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is sent in response to a letter I received on XX/XX/year>. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.

Whether this debt is within the statute of limitations and how that was determined.

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

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

Requested immediate removal of unauthorized inquires pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B. I recently reported identity theft to the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Report for TransUnion records. 

Details of unauthorized inquiries on my credit report for removal : 1. Name of Creditor : 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 XXXXXX/XX/year>
Product: Mortgage

On XXXX XXXX, 2013 a debt was paid to an attorney 's office. I received notices from XXXX 3rd party collection agencies ( ditech and green tree servicing ) attempting to collect this paid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stay away from this dealership they discriminate against XXXX military veterans. I leased a car from them XX/XX/2021 and my credit was ran multiple times with the same bank. I called to get credit removal letter because the dealership made the mistake.When I called the dealership the rep on the phone refused to get me a XXXX or the corporate office information. I called back and spoke to XXXX when I told him I was going to file a CFPB complaint he hung the phone up on me.This dealership is making the brand look bad. I would go to another XXXX dealership in the XXXX XXXX especially when they discriminate on XXXX military combat veterans. I served XXXX combat tours in XXXX and should not have to come back to a country that treats you like XXXX. I am pleading do not go to this dealership for business. I feel like my rights were violated on every levels. I am filing a lawsuit.
Product: Vehicle loan or lease

Subject : Dispute of Late Payment on Car Loan Account # XXXX Dear Capital One Auto Finance Team, I hope this email finds you well. I am writing regarding my car loan, account number XXXX. I would like to formally dispute a late payment that has been reported on my credit report for this loan. 
Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1637 ( b ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer no later than 21 days before the payment due date.

Additionally, the report must contain information solely about transactions or experiences between the consumer and the reporting party. I believe that the late payment may have been reported in error due to a failure to comply with these requirements.

Please provide me with the following documentation for verification : Proof that the periodic statement was mailed or delivered at least 21 days before the due date.

Documentation showing that the report only includes relevant transaction and experience details between myself and Capital One.

If no valid documentation or verification is provided, I request that this late payment be removed from my credit report.

I would appreciate your prompt attention to this matter and kindly ask that you provide me with the results of your investigation within 30 days. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXXXX/XX/1217 XXXX, TX XXXX Phone : XXXX Email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

Back in XXXX I had both my phone and wallet stolen. The thief impersonated me on the stolen phone via text and requested money from various friends and family to be sent on CashApp. I filed a police report the very next day and alerted my banks and credit card companies. Unfortunately the thief connect their bank account to my cash app and instantly transferred out the money being sent in under false pretenses. I have submitted several cases with CashApp and have been denied over and over despite having all information and never being asked details. Most denials just say transactions executed as expected. Ive tried to provide police report and multiple different information. XXXX, XXXX  and my banks all helped but cashapp has made me drag this out for months. 

On XX/XX/2024 there were 3 transfers made out instantly to a bank that does not belong to me and the theif stole this money. 

{$1900.00} - XXXX {$2400.00} - XXXX XXXX  {$1200.00} - XXXX XXXX  {$700.00} - XXXX XXXX total : {$6200.00}
Product: Credit reporting

The account was paid in full as a collection with the understanding that it would be removed would be removed from my credit file after they received the payment the account was paid and closed on XX/XX/2014
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, 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. 16815-2 ( A ) ( 1 ) A person shall not furnish
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with representative at XXXX County XXXX XXXX in XX/XX/2020. Was told that when my back XXXX XXXX ( including arrears ) is paid in full it will be removed from all three bureaus ( in approximately 30 days ). 

I've completed what was requested of me and I am completely up to date yet the account is STILL reporting negatively on my account after I WAS TOLD that it would be removed within approximately 30 days. 

The current reports are completely incorrect and must be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Indiana ). 
Kohl 's IT department has record of me trying multiple times over multiple days of trying to pay my online bill. It should be noted that this bill was for XXXX dollars, XXXX of which was due immediately. I was never late with my payments. Since it was a problem on their end ( I was out of the country and unable to mail/call to pay ), I asked them to remove this in good-faith, since I have been a customer for many years, and the amount was miniscule. They said they would do this and have not done so. It is very negatively affecting my credit and I'm aware they do this for others. It just feels random, i.e., whomever answers the phone.
Product: Mortgage

In XX/XX/XXXX TD Bank reported my payment as late due to an error with the representative who applied my mortgage payment to escrow oppose to my monthly mortgage payment. I contacted TD Bank who acknowledged after reviewing my dispute they discovered the error reporting on their end. A letter was sent to me acknowledging the error in XX/XX/XXXX and stated they sent corrected information to the credit reporting agencies. As of today the late inquiry is still on my credit and is causing me issues with getting approval for another mortgage loan.
Product: Mortgage

My loan servicing company is the Loan Depot. I have applied for a forbearance since XXXX, have made multiple calls to them, sent a total of 11 emails to date and I can not get anyone to process my forbearance that we have a right to use under the new act. They keep responding to me with generic emails and to date and yet to call me back with a supervisor or manager to address this issue. I was being for XXXX waiting for the forbearance to go through until I had to make a lump sump payment so that can take out a loan for my business without them seeing that I am behind on my mortgage, which put me a deeper financial hole. I don't know what else to do. I don't know how else to take action to get a forbearance processed and give me some breathing room. Please, if there's anything you can help me with let me know.
Product: Debt collection

On XX/XX/2019 I received an alert on my credit report of an debt for XXXX XXXX   of XXXX that I didnt no anything about this is a fraudulent account
Product: Credit reporting 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 XXXXXXXX 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.
Product: Credit card

I made payment of {$70.00} prior to first due date XX/XX/year> and the next day I got a text saying it was late so I made another of {$70.00}. When I got a other text I made another payment of {$100.00} a few days later. I got another text saying it was late so I called. The representative then told me I had XXXX returned payments. I was confused saying all my other payments were going through and I had plenty in my account to cover the payments and none had been sent to my bank so I didn't know why it wasn't going through. The full account number didn't appear on their payment page - just the name of the bank since the routing number was correct. I had the rep check the account number and we realized it was missing the XXXX in the last XXXX digits. She reversed the returned check fees and the late payment charge and I made a payment that day with the correct info for the bank of {$150.00}. She assured me it would not be reported to the credit bureau and I was in good standing with the company. 3 days later I got an XXXX alert of the late payment and the account was closed. Verve cc ( continental finance ) NEVER informed me that they were closing the account nor why. I called back and paid the account in full. I asked them to please correct the false information on my credit report since I never actually had any returned payments since they were never sent to my account and they told me they had no way of doing so. I also spoke to a supervisor who said the same thing. They told me I had to email the back office... Which I did twice with no response from them. I called again and asked for a phone number or an address so I could send a certified letter since they were not responding to my email and I was informed they don't have a phone number not an address to send mail. I have been working hard to improve my credit and I don't want this closed account nor late payment on my record due to a clerical error.
Product: Credit reporting 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. 

======================== Account Name : XXXX Account Number : XXXX - {$2000.00} - XXXX  Account Name : XXXX Account Number : XXXX - {$0.00} - XXXX Account name : XXXX XXXX Account number : XXXX - {$0.00} - XXXX Account name : XXXX  XXXX Account number : XXXX - {$5100.00} - all3 ============================ Unauthorized inquiries : XXXX XX/XX/2023 Equifax XXXX XXXX XXXX Equifax 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau was notified that XXXX XXXX XXXX was wrongfully remarks as revolving acct ... .It is properly address as a real estate mortgage. The wrong classification damages the XXXXredit score. XXXX 2017
Product: Debt collection

I got a call from XXXX XXXX XXXX XXXX ( State : PA ) with numer ==> XXXX telling me that i need to pay. 

I recently migrated from XXXX XXXX and do not owe anyone anything. 

Please assist and take the response company to task.
Product: Credit reporting or other personal consumer reports

ATTACHED TO THE DISPUTE LETTER IS PROOF THIS IDENTITY THEFT REPORT WAS IN FACT FILED ON IDENTITYTHEFT. GOV WEBSITE AND AN OFFICIAL. XXXX, transunion and XXXX CLAIM THIS IS NOT A REAL REPORT. IT IS A REAL REPORT WITH PROOF! I have uploaded a second identity theft report affidavit that iis IN FACT been filed with an official government website. IDENTITYTHEFT.gov is an official website to report the id theft. I have submitted my document once again. THESE ARE OFFICIAL AND AUTHENTIC REPORTS BEING MADE. Please quit stalling and delaying the process as I am tracking the time length and the FCRA states I have rights to a fair investigation. Please investigate and block the information immediately as it is harming my report and name. I will pursue litigation with damages very soon. The bureaus are now in default of a proper response time of over 30 days. This is another violation..
Product: Credit reporting or other personal consumer reports

I disputed the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX And nothing happens. No deletions no responses nothing Then I submitted a complaint with you guys requesting items be deleted within four days or proof investigation showed they were mine which I know it couldnt have because they are not I submitted police report number identity theft report number etc and nothing happened accept XXXX got deleted off XXXX and XXXX XXXX and XXXX  got deleted off XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called citizens bank to report I never opened a line of credit which is showing up on my credit report. The representative opened a dispute and recommend I open up a dispute on this website.
Product: Debt collection

I AM FILLING A COMPLAINT AGAINST XXXX XXXX WHO HAS CREDIT CARDS WALMART , XXXX, LOWES. THESE ARE CARDS HAVE BEEN CLOSED AND I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT. THEY START CALLING AT XXXX XXXX DOESN'T GIVE UP UNTIL XXXX XXXX ON A DAILY BASIS. THEY ALSO USE VERY DIFFERENT NUMBERS WHEN THEY CALL. SOME CUSTOMER SERVICE REPS HAVE USED PROFANITY LANGUAGE AND VERY RUDE AND IGNORANT. SOME HAVE LEFT MESSAGES ON MACHINE WITH PROFANITY LANGUAGE.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 i disputed closed XXXX XXXX  account that is currently open and paid on monthly XXXX XXXX XXXX.Transunion did conspire to report falsely that my credit account was closed damaging my credit causing public embarrassment and inability to use credit.
Product: Vehicle loan or lease

My car was in an accident on XX/XX/XXXX that caused XXXX XXXX to total out the car. XXXX XXXX paid {$18000.00} to Regional Acceptance Corp on XX/XX/XXXX. Leaving a balance of {$1100.00}. Regional Acceptance Corp attempted to file the GAP claim with XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I contacted Regional Acceptance Corp and spoke with a customer service reps that informed me the email was bouncing back and their must be a problem at XXXX XXXX, she gave me the policy number and their contact number. 

I contacted XXXX XXXX, they verified their email address, verified they are receiving claims, and went as far as provide me with her email address so I can email the GAP claim to them on behalf of Regional Acceptance Corp, she did advise that the initial filing of the claim must come from the Lender but let 's give it a try. 

I contacted Regional Acceptance Corp on XXXXXX/XX/XXXX for a third time. I advised the person that I am in the process of getting a home loan and can not take any negative impact on my credit. The Regional Acceptance Corp customer service rep became insistent/aggressive with stating " you will never speak with someone in our claims department and you are responsible for filing the claim with XXXX XXXX! Regional Acceptance Corp does not file claims for GAP on their customer 's behalf. '' I asked to speak to a manager. I was put on hold for 15 minutes. The customer service rep stated " no managers are available '' put be on hold for another 10 minutes, came back stating " no managers are available on XXXX. '' I asked for a call back on XX/XX/XXXX. Today is XX/XX/XXXX, no one has called me back. 

XX/XX/XXXX I contacted Regional Acceptance Corp, XXXX the first customer service rep could not assist me and transferred me to XXXX in collections ( Note : I asked for a manager- I've never missed a payment nor was I ever late on a payment ). XXXX did confirm the email address Regional Acceptance Corp was sending to was incorrect... they ware sending to a XXXX vs. sending to XXXX XXXX  I asked for them to move my payment date out 30 days so I do not get any negative strikes on my credit. They can not accommodate. I feel my rights as a consumer has been violated due to Regional Acceptance Corp dragging their feet and doing their due diligence with regards to filing customers GAP claims in a timely manor. Verification of their carrier 's GAP insurance contact information. Poor training of customer service reps and how Regional Acceptance Corp handles GAP claims. I should not have to make another payment, I feel like Regional Acceptance Corp is extorting me by being lazy and having poor communication with me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred XXXX ( XXXX ) from my Coinbase account to my Coinbase Wallet. Using this XXXX, I purchased a cryptocurrency token called " XXXX XXXX. '' While the transaction was marked as successful, I did not receive the purchased " XXXX XXXX '' tokens in my wallet. Additionally, my original XXXX balance has not been refunded or recovered. I can provide transaction details for both the transfer and the purchase if required. 

This is my transaction Transaction 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope this will be resolved as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my payment for XXXX did not go through when it was on XXXX 
I reached out to the company and they said that they saw the payment come out of the bank but it was rejected. They never notified me of this rejection and gave me this late payment. I now can not get a mortgage because of the mark on my credit and this company will not help me with this unfair solution. This had also happened On XX/XX/2019 payment Capital one had assured me that there would be no late payment reported and my account would be reported to all 3 credit bureaus as being current. 

Then On XX/XX/XXXX this same thing happaned just like what had occured in XXXX. 
and now I have a 60 day late payment on my credit reports.