23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i have sent multiple letters and used action to the companies. they are sending me letters about this debt.

This companies is breaking the law failing to provide proper validation details as required under 12 CFR 10006.34 ( B ) ( s ). Despite this, the collections to my credit report. This agency is infringing on my rights by using misleading false, and deceptive tactics.

I've already tried to resolve these issues directly with them, but they continue to violate my rights. for each violation listed. I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Capital one several time to have my phone number and address updated and they have refused to do so - Capital one have an open card to my name sent to an old address and it might be in someone else 's possession- I have called numerous times to try to have my information corrected and they have made it impossible to do so in a secure manner so, I have requested that they close the account.
Product: Debt collection

This account was not mine XX/XX/year> XXXX still trying to clear things up that were in my name but that didnt XXXX to me. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion & XXXX have a late payment showing with XXXX XXXX. I have never missed a payment with them & even after sending in proof repeatedly that it was paid on time still no fix & this violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are reporting incorrect and erroneous information on my consumer report, they have failed to validate this account and it has multiple reporting violations including inaccurate payment grid, last reporting dates, and multiple missing info. This account needs to be removed immediately because it also says charge off and this car was paid in full and never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving notices of dark web activity from my XXXX XXXX XXXX XXXX since XX/XX/XXXX, notifying me of Personal Identifiable Information being circulated. I initially didn't act as I was refinancing my home and didn't notice the fraudulent entries. Shortly after, I saw a significant drop in my credit score and multiple entries ( inquiries ) on my report. My wife and I hired XXXX XXXX to repair and prepare our accounts for the refinance ; they removed some entries, leaving others to carry-over ; XXXX refused to remove any inquiries. Around XX/XX/XXXX, I started receiving new Dark Web activity notices and further data breaches that directly affected my wife and me. I started seeing new inquiries and disputed all of these inquiries online immediately. This run resulted in all three bureaus refusing to remove any inquiries. I then noticed two " new bank account opened '' alerts for XXXX XXXX  and XXXX XXXX XXXX, I didn't open any new bank accounts, so I call XXXX XXXX  and XXXX XXXX XXXX to confirm. The banks confirmed that new accounts were opened in my name but provided no additional information. I called the Police non-emergency number for assistance, and an officer was dispatched to my home. He tried to gather more intel regarding identity theft, but the banks refused to provide additional information. After receiving no data from the banks and no help from the credit bureaus, I filed a report with the United States Postal Inspection Service, locked our XXXX  XXXX, placed fraud alerts on all three bureaus, placed a freeze on XXXX, XXXX, and XXXX, and filed a report with the FDIC. Once we completed the preceding tasks, my wife and I drove down to the Police Station and filed a formal Police Report to document the fraud.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX  per violation, for account listed without my expressed written consent.
Product: Mortgage

After being fully discharged from a Chapter XXXX bankruptcy, and XXXX loan representatives signing legal documents that the debt had been cured, Seterus, Inc. has failed to fully discharge the account, complete " cram down '' and issue me a Full Reconveyance. I was only made aware of this lien when I ran a credit check listing Seterus , Inc. as a stakeholder. I question the legalities of all practices, I have provided the company with formal dispute and court documentation which they have failed to comply with. I have been given conflicting information from, rude and ill trained representatives. I have been assured several times over that an " expert '' whom I have XXXX access/communication with is working on my case. I have been hung up on or disconnected after hours of being on hold, only to speak with a representative of a department that I did n't even ask for. I do n't understand why a company like this is still able to practice and take advantage of people who are already consumed by other financial issues.
Product: Consumer Loan

Please be advised that this complaint # XXXX against GM Financial has not been resolved. I am alleging that GM Financial engaged in deceptive trade practices along with XXXX XXXX who paid GM Financial via my bill pay account. Let 's try to communicate the facts that need to be answered once again. XX/XX/XXXX, GM Financial received a car payment that XXXX XXXX alleged had the incorrect mailing address but correct GM Financial Account number. Following the XX/XX/XXXX payment, the XX/XX/XXXX and XX/XX/XXXX payments with allegedly the same incorrect mailing address and same correct account number were not received by GM Financial. I asked GM Financial to produce all internal records to prove that they did receive the XX/XX/XXXX payment with the wrong address but correct account number and to prove that they did n't receive the XX/XX/XXXX and XX/XX/XXXX payments with the correct account numbers from XXXX XXXX. I explained that XXXX Bank refuse to provide me with all three mailed, returned, and cancelled checks and therefore, I was requesting the XX/XX/XXXX cancel check from GM Financial and the XX/XX/XXXX and XX/XX/XXXX returned mailed checks from GM Financial and the XX/XX/XXXX and XX/XX/XXXX cancelled checks received by GM Financial in order to prove that they had nothing to due with the deceptive trade practices and fraud of XXXX XXXX. GM Financial refused to provide me with this material information to exonerated themselves of engaging in deceptive trade practices and fraud. GM Financial refusal to provide me with the internal documents for my car payments was based on deception and fraud. These incidents of fraud occurred before I return the vehicle in and the fraud was the reason that I return the vehicle in. Let me repeat myself, the deceptive trade practices and fraud occurred before I returned the vehicle and it was the reason that I returned the vehicle. Until GM Financial provides me with the internal car payment records specified in this complaint ; then, they knowingly and intentionally engaged in deceptive trade practices along with XXXX XXXX who also refused to provide me with the internal records and stated that the cancel checks were destroyed which is a violation of federal document retention laws.
Product: Credit reporting or other personal consumer reports

Santander and XXXX XXXX recently reported missing car payments on my credit report but payments were made but it says payments were missed
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a {$1000.00} payment on the USAA app towards my credit card balance. USAA drafted the funds out of my XXXX XXXX XXXX checking account but never applied the payment towards my credit card. I reached out to them a couple of time and finally on XX/XX/XXXX, a work item was established by them to review my complaint. On XX/XX/XXXX they sent a letter asking me to get a copy of the ETF form from the bank and a copy of the cleared check. XXXX XXXX XXXX does not keep etf data past three months and no paper check was ever generated since USAA sent an electronic request for the funds. I sent USAA a copy of my bank statement showing the internet payment to them. On XX/XX/XXXX, USAA sent me a letter stating that a billing error did not occur and no further action would be taken. On XX/XX/XXXX, I spoke with XXXX at USAA and we went around several times regarding my inability to provide electronic records of a payment initiated on their app. Finally I asked to speak to someone else and was then transferred to XXXX in Executive Relations Team. He told me that without an etf form from the bank they could not help me and my bank statement was not adequate.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments.It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX my dispute letter was delivered to SCA Collection in order to dispute information I had seen on my credit report, I also requested a XXXX Original Issue Document From this alleged collection agency as of today it is XX/XX/XXXX and I still didn't receive any information on this alleged collection and I need it to remove both accounts from each credit bureau immediately the alleged Account numbers are XXXX and XXXX
Product: Mortgage

I have contacted my mortgage company a few days after my escrow information had come out. i had noticed that they did not adjust my total amount due to accurately reflect my escrow account. they raised my mortgage payment over {$100.00} per month. it was supposed to be fixed by XX/XX/XXXX, XXXX it still had not been fixed as of XX/XX/XXXX, XXXX i have since contacted them 3 times about it and i get no response. now my payment is due and they refuse to do anything about it. i sent them the revised tax bill now 4 times. no response. this company is TERRIBLE.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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  XX/XX/XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX joined our debt management company in XXXX of XXXX. Proposals were sent on XXXX and XX/XX/XXXX and no reply was received and each time we called the representative requested we resubmit the proposal and gave us a run around. This added unnecessary months of fees and interest to my account. This account felt past due at no fault of her own. We are requesting : 1- correctany negative reporting that was a result of failure to notify client 2- refund client fees charged as result of that error
Product: Credit reporting or other personal consumer reports

My account with these company 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 MONTHS REPORTING LATE 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.

This company 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: Debt collection

This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. 
Im receiving harassment telephone calls from Optio Solutions.

Im requesting this company to cease & stop contacting me about a debt I dont owe. 

Im in pre litigation with XXXX. 

In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. 

An automatic stay has been ordered by the petition filing of my bankruptcy. 

If Optio Solutions continues to contact me I will file harassment charges and a lawsuit against this company.
Product: Money transfer, virtual currency, or money service

My Cash App account was hacked into on XX/XX/23, and the persons used my bank debit card information to steal {$320.00} and {$25.00} that was sent to me on XX/XX/23 to purchase XXXX on XX/XX/23. This is a total of {$340.00}. I filed a police report and alerted the banks involved as well. 

I contacted Cash App support several times to report the scam and they have refused to examine the claim any further than to send me a copy of the transaction as proof that it was completed from my account. They continue to send requests for more information and then after I supply it I get a response that says my claim has been closed because they have not heard from me. They continue to request the same information for XXXX different claims that are actually the same request to have my funds restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters regarding this account status reports {$500.00} past due but the account is a collection account. also states status updated XX/XX/2022 but balance updated XXXX XXXX this account is reporting inaccurate information and should be removed. 

Acount # XXXX XXXX XXXX original creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on. my credit report, it has been well over 30 days and haven't received any investigation results.
Product: Payday loan, title loan, or personal loan

My main concern is that I 've been told that this loan is actually illegal in my state. I still plan on paying it off, but if these loans are illegal in my state they should n't be able to offer them. I 'm struggling to pay it off but I 'll figure it out I guess.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed XXXX inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXXGa, XXXX XXXX XXXX  8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX  XXXX XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX  XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX  XX/XX/XXXX 18. XXXX - XXXX XXXX XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims.

Thank you for your prompt assistance with this matter.

Sincerely XXXX
Product: Debt collection

Back in XX/XX/2015 I had taken out a Pay Day Loan with XXXX.The Loan was {$400.00} and about 2 weeks later I had gotten caught in a bind.It was some things I had to pay and I was n't able to pay the loan back.To get help it was a Validation company that I joined call XXXX They sent Validation letters to XXXX to see if they are licensed to do business in the state of Alabama.And several months later I had found out that they was n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of hard inquiries on my credit report I have no knowledge about. I havent made no consent for anything to be on my credit profile. 

Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XXXX - XXXX XXXX Capital one auto finance - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Capital one - XX/XX/XXXX Capital one - XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXXwith 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX-XX/XX/XXXXwere sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an XXXX XXXX XXXX to be a XXXX. What lender would give a young adult XXXX to go to XXXX   college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on transunion. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.