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

to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. 
It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. 
Below is a summary of the data in which I am challenging : Accounts : XXXX XXXXXXXX Act # XXXX is reporting inaccurately and needs to be deleted XXXX XXXX # XXXX is also reporting inaccurately so it also needs to be deleted Summary of Inquiries being challenged in list form : 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 I

received a credit report from you and there are some companies that I'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code 15 USC 1681 ES Seg Section 604 states all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report.
Product: Credit card or prepaid card

This is a follow up to a prior CFPB complaint, I filed a CFPB complaint against Cap1 in XXXX. 
On XX/XX/XXXX, Capital One agreed to remove a XX/XX/2020 late payment for my Neiman Marcus Credit card, and send me the attached deletion letter through the CFPB. 

The late has not been removed, I have sent this letter to the credit bureaus and to Capital One 's customer service, both of whom refuse to remove the late payment.

It seems Capital One 's Consumer Advocacy group did not communicate the request to remove the late payment to the credit bureaus and to Capital One 's own servicing and customer service department.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I wanted to purchase a refrigerator from XXXX. Because I seen the refrigerator for {$600.00} less at XXXX, I contacted XXXX, and asked them if they do price matching. The XXXX agent told me yes. I also asked the agent if XXXX was also doing the 10 % off entire purchase promotion if the consumer purchased four XXXX XXXX from different departments. The XXXX agent also told me yes. 

The agent told me to make the purchase, and after the purchase was made, contact XXXX and theyll assist me with the price match. So I went and purchased the refrigerator from XXXX, as I was instructed. 

When I contacted XXXX with the the proof that XXXX was selling the same exact refrigerator for {$600.00} less, XXXX refused to honor the price match. In order to make it appear as if they was giving me the price match, XXXX told me that the price was substantially lower due to the 10 % off of the entire order. Such response from XXXX wasnt a valid defense because at XXXX I would have STILL received that SAME EXACT 10 % discount off of my entire order, and the refrigerator would have STILL been {$600.00} cheaper. 

When I contacted Discover to dispute the charge, although I provided them evidence to support my claim, they refused to uphold the dispute. 

I received two responses from Discover, one response when I called them ; and one via mail. Over the phone, I was told that Discover couldnt honor the dispute because although XXXX did tell me that they were gon na price match, they never agreed to a specific dollar amount. Thats ridiculous because XXXX told me that they price matched, they didnt tell me that they price matched with certain conditions. What does it matter what the dollar amount is, either they price match or they dont, and they promised me that they were gon na price match. 

The second response I received via mail had literally nothing to do with my claim. XXXX responded to the dispute by confirming that they did deliver my refrigerator, and that they did replace it with a different one because the first one they sent me was broken. I dont quite understand such response, as I never contested receiving or not receiving the refrigerator. 

XXXX sent me {$200.00} for keeping the refrigerator, but I never told them that I agreed with such resolution. Such {$200.00} for the inconvenience, doesnt resolve not honoring the price match that they promised me. 

I am disputing {$600.00} that I was defrauded out of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Capital One credit card account on XX/XX/XXXX. Capital One entered a complaint with the court on XX/XX/XXXX for the past due amount of {$6600.00}. On XX/XX/XXXX Capital One agreed to settle the account in full for {$3800.00}. Payments were made to Capital One as agreed and therefore Capital One filed a motion to dismiss the complaint on XX/XX/XXXX. However, Capital One is still reporting an unpaid balance due of {$2800.00}. I have disputed this as inaccurate with the 3 credit bureaus to no avail. I am requesting that Capital One be persuaded to report the account accurately, that the account was legally paid in full for less than the full balance and the current balance is {$0.00}.
Product: Credit card or prepaid card

I had a Citi XXXX card and haven't used it for a few years. At that time, I had a balance of {$100.00} when Citi changed their web site and I couldn't get in to make a payment. I called them and they assured me that it was fixed and I could go online and set up a new account. This wasn't true. The site didn't allow me to set up a new one because the old # still existed in the system and you can't have 2 accounts with the same #. I was being charged late fees & couldn't fix the problem. This first time, I paid the $ $ to make a phone payment but, with all the other stresses I had at the time, I just stopped paying. Last week, I received a letter from Citi telling me that " at the time of my purchase, I was not credited for a promotion they had '' ( which I told them about years ago BTW and they told me I wasn't eligible. ) The letter I received stated that I was due a refund for {$400.00} that should have been credited to me years ago and this was credited to my account. I called Citi and was informed that I needed to call the XXXX office because everything about my account was with them. I called the XXXX office/funded by Citi and was informed that the {$400.00} was credited towards late and finance fees. I am thinking that if this {$400.00} was refunded for a promotion at the time of purchase, I wouldn't have even owed the {$100.00} so how is it legal that they took the refund and applied it to late fees and finance fees that I would have never had if that promotion was applied? I asked for a payment history so my attorney could take a look at it and they told me that they didn't even have that. They said the account was sold so they have no history on it any longer.
Product: Debt collection

My loan was paid on time. I have never been late but Loan CareXXXX XXXX the servicer was called today after receiving a letter for me to pay XXXX  late fee, When I called their automated system XXXX @ XXXX XXXX 5 times it states that my loan payment of XXXX was processed on XXXX company is filled with annoying charges that effect consumers credit. I called XXXX Bank and they verified that this payment had been made and summitted on the XXXX date that XXXX XXXX acknowledges on their recording. I do not want anything showing late mortgage payments. I already have a complaint against this company with XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find incorrect accounts on my credit report, and I have no idea how they got there. I check my report regularly, and this time there were sudden discrepancies that made no sense. I even refreshed the page thinking it might be a glitch, but nothing changed. The wrong accounts were still there, and I feel completely helpless. Im asking that the documents I've sent be thoroughly reviewed so I can stop worrying about this nightmare.
Product: Checking or savings account

Chase bank back dated the transactions one day for the transactions on XX/XX/2023 to XX/XX/2023. As the result of the back dating, my account 's balance was below {$1500.00} for one day.

Chase bank charged me $ XXXX  monthly fee.

I requested Chase to provide the actual bank to bank money transfer records of the three transactions on XXXX XXXX XXXX on my account, Chase refused to provide such records.
Product: Debt collection

Hello, this is information pertaining to Original Account # XXXX Hillcrest Davidson Account : XXXX To whom it may concern, My father, XXXX XXXX XXXX, received a letter saying that {$740.00} was owed for a security system from Alder in 2015. 

XXXX manipulated my father and it veered onto the path of outright exploitation. 

My father is almost XXXX years old, extremely hard of hearing and is legally XXXX. 

My father was sitting on " his '' porch, when approached by XXXX young men from XXXX. XXXX was my father 's previous security company. When approached by XXXX, he thought it was XXXX and was not corrected and unknowingly and needlessly spent money with this new security company. 

When I returned to his home and saw what had happened, I got in touch with Vivint immediately. They came over and I saw that these young men had my father sign a contract. I was infuriated. He was not in the right state to sign a contract alone! The XXXX employee had the contract my father signed rescinded and within 3 days, a Vivint employee took the equipment to the post office and sent it back to XXXX. This was XX/XX/2015. 

I was so disturbed that I contacted the Florida Department of Consumer Affairs for Elder Abuse. I filed a complaint and now XXXX XXXX years later you are accusing my father of THEFT after he was manipulated into signing a contract by XXXX employees. Again, he is legally XXXX, hard of hearing and in his XXXX. Why would this ever be okay to have him sign a contract? It is SHAMEFUL! 

I trust and hope you will handle this issue. Not only was the contract rescinded within 3 days of signing but also the equipment was sent back by an ALDER employee. My father, who is currently in the hospital, should not be getting correspondence from you all accusing him of any crime due to the exploitation of XXXX employees of an elderly man. The onus is on the company. Please fix this issue and leave us alone in peace. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX Equifax ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.
Product: Credit reporting or other personal consumer reports

Im looking to qualify for a loan to further my education. After recently reviewing my credit report, I noticed some inaccurate information on my file. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am requestin
g that these items be removed under FCRA : XXXX XXXX / XXXX XXXX ( Inquiry ) XXXX XXXX ( Delinquency ) XXXX XXXXXXXX XXXX ( Delinquency ) I'd deeply appreciate if this matter could please be investigated and deleted per the disputed items, as soon as possible. Thank you!
Product: Checking or savings account

Hello, I bank with chime for my checking and credit. I first filed a dispute for XXXX on Thursday XX/XX/XXXX. This purchase was for a deposit down on a my first apartment after speaking with the " merchant '' about sending me my a check or to XXXX me my refund. They said they couldn't XXXX me. They sent me a check that I couldn't cash! But I tried XXXXXXXX XXXX but turns out the check was unpaid for. I contacted the " merchant '' and they said to work with my bank and that was that. The dispute was closed wensday XX/XX/XXXX. After I got that emailed I kept calling them about rebuttals. I filed over 10 rebuttals with more than enough information about the situation.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 ( The following personal information is incorrect. The personal data reporting is inaccurate. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment for XXXX of 2020 reporting on my account with Capital One that I would like to have removed. I have contacted Capital one directed on numerous occasions to resolve this matter with no success.
Product: Mortgage

I lost my job on XX/XX/2018. I completed a Loss Mitigation package with loanDepot, who sent acknowledgement of receipt of the completed application on XX/XX/2018. I have called several times to get a status of the application, but only receive a recording stating that my loan is with an underwriter. They continue to send notices of intent to foreclose even though every time I call they tell me the same thing. I also consulted a HUD adviser that informed me that they are obligated to decision the application within 90 days and it has been more than 120 days since I completed the application.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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 cre

ditor to treat a paymen t as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$410.00} with JEFFERSON CAPITAL SYST, JEFFERSON CAPITAL SYST ACCOUNT NUMBER : XXXX I do not have a contract wit JEFFERSON CAPITAL SYST . They did not provide me with the original contract as I requested along with my wet signature and ID Verification.
Product: Debt collection

Section 1463 of the Dodd-Frank Financial Reform Act ( the Dodd-Frank Act ), which took effect in XX/XX/XXXX, contains several important modifications to the QWR provisions of RESPA. First, a servicer must now acknowledge receipt of a QWR within 5 business days ( previously 20 days ) and must provide a substantive response to the borrower within business 30 days ( previously 60 days ), with a possible 15-day extension if the servicer sends the borrower notice of the extension and its reason for the delay in responding. See 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) ; 12 U.S.C. 2605 ( e ) ( 2 ) ; 12 U.S.C. 2605 ( e ) ( 4 ). 
Mr. Cooper never fulfilled their obligation concerning the time-lines stated above. I never received a reply until months later for a QWR Certified Letter to Seterus, Inc., received on XX/XX/XXXX - prior to Mr. Coopers acquisition of Seterus, Inc. Now Mr. Copper claims that it received my letter to Seterus on XX/XX/XXXX when they tool over Seterus Inc. , and that letter was signed for on XX/XX/XXXX by Seterus Inc. , agents - setting the tine-line for response. After no response to the XX/XX/XXXX letter and after many phone calls to Mr. Coopers designated Contact persons, whom I was instructed to contact, I made clear that I never received their response within the allotted time as per above. Next, I sent via Certified U.S. Mail a completely new 14 page letter addressed to Mr. Cooper. This letter required a specific response sent certified return receipt, and Mr. Cooper failed to respond to that correspondence entirely.
Product: Money transfer, virtual currency, or money service

Significant issues with the platform despite numerous. Reporting discrepancies my institution and Zelle failed to fix.