23daVinci/CFPB_Complaints huggingface dataset:
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 Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency.

Bankruptcy cases under XXXXXXXX XXXX must be removed after 10 years from the date of filing. 
XXXX XXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Debt collection

On both XX/XX/XXXX & XX/XX/XXXX I was contacted by your office, which appeared on my called ID as XXXX, KS on XX/XX/XXXX, when I answered there was no body there. The call was placed on my cell-phone and a number of XXXX appeared. When I called, no one answered. I was again contacted on XX/XX/XXXX with the caller id showing XXXX, KS again I answered and no response. This time it showed a number of XXXX, which I called back and spoke with XXXX XXXX who identified himself as a collector for Stellar Recovery in an attempt to make a demand on a debt to XXXX XXXX from XX/XX/XXXX. When I advised XXXX XXXX this account was past the statute of limitations he said No it certainly is not. Before I progress with the rest of the facts, let me state under Kansas States Annotated 60-511 A creditor must bring an action-based on a contract that is expressed or implied but not in writing, an oral contract within three years. As there was never any written contract for service this was in-fact a time bared account. This act of collecting on a time barred account in its own is in violation of 15 USC 1692e subsections 807 ( 2 ) ( A ), as the legal status of the account is time barred to which XXXX XXXX disagreed with, keep in mind, his answer must be truthful under the FDCPA. I was then transferred to a supervisor XXXX XXXX and asked why my caller ID just shows XXXX, KS to which she stated We use an auto-dialer ). This is in violation of two laws. First, the TCPA that The FCC has determined that debt collection calls are not telemarketing calls. Therefore, under the rule the FCC has stated that with respect to autodialed or prerecorded debt collection calls, to the extent that they do not contain telemarketing messages, would not require any consent when made to residential wire line consumers, but require either prior written or oral consent if made to a consumers wireless number referring to 47 C.F.R. 64.1200 ( a ) ( 1 ). At no point, did I ever consent to my personal cell-phone number to be called. Additionally, the way your caller ID shows is XXXX, KS, but it is not just the name that I argue is a violation of law, it is the fact that the phone number that appears is a XXXX, KS number, when your office is clearly in Florida. Such action constitutes a violation of the 15 U.S. Code Section 1692f ( 5 ) Causing charges to be made to any person for communication by concealment of the true purpose of the communication. Obviously I have the right to determine what calls to accept and what ones not to answer. By concealing the true caller on the caller ID, your office has engaged in deceptive practices and as XXXX XXXX admits this is an auto-dialer, I am wiling to bet I am not the only consumer for whom your office has done this to. Additionally, I was never given the opportunity to dispute the bill.
Product: Payday loan

I received a pay day loan in XX/XX/XXXX. Due to circumstances at that time I was unable to pay it back. A collection agency called my daughter 's phone on Thursday XXXX/XXXX/XXXX and left a message stating " they are coming to my house and to my work to drop off paperwork about this overdue debt ''. they stated " failure to sign for these papers could cause a failure to appear '' and they ended the call by saying " good luck ''. I called the number and spoke to XXXX XXXX which I 'm sure is an alias. She spoke very fast and requested a payment of {$670.00} within 24 hours and if I did not pay that amount would demand payment of double. {$200.00} every other week for the next 3 months is what she told me I would have to pay. I stated to her that I do n't have that kind of money. I would speak with my mother for help. Which I did, but when I spoke to my mother she asked questions that I failed to ask Sue on Thursday XXXX/XXXX/XXXX. Sue called back on Friday XXXX/XXXX/XXXX during my work hours and left a message. She called on Saturday XXXX/XXXX/XXXX and left another message. She called my daughter 's phone again today Monday XXXX/XXXX/XXXX. I work during the day so I ca n't answer the phone every time someone calls me. I called Sue back before the timeframe of noon like she stated I had to return her call. I asked if I could have a copy of the loan information mailed to me before I made any payments. the year is now XX/XX/XXXX and the loan is from XX/XX/XXXX. Sue did not like that at all, her mood went from positive to negative in seconds. She raised her voice, her tone was aggressive, she talked over me, made statements that were untrue. I felt she was threatening and harassing. She said I made a verbal agreement and that I admitted to the debt. She refused to send me anything. She said contact the original lender for paperwork I questioned why she is refusing since her collection company is the place requesting the payment. She still refused. She also refused to give me the address and name of the legal courier company that was threatening to show up at my work. She even said they went to my previous address but could not tell when they did. She avoided answering any of my questions. I asked who she worked for and all she said was del-ray?? She refused to give the address of del-ray. The phone number that they are calling from comes up as un-known caller so I was only trying to protect myself. I told her I wanted to work with them and that was not good enough she stated she was going to proceed with a lawsuit. I said that she was bullying me and the call ended
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries from both XXXX XXXX XXXX XXXX XXXX XXXX for credit card applications reported on my credit report for accounts I did not apply for. Contacted both banks to alert to fraud.
Product: Mortgage

Under Unfair, Deceptive or Abusive Acts or Practices, I the consumer suffered financial injury from Shellpoint Mortgage Servicing. The injury in reference that I the consumer suffered financially was excessive interest and other fees added to the loan. Many changes to the loan occurred and numerous fees in various amounts were submitted to the credit bureaus and law firms yet over {$200000.00} was added the modification amount. 

The excessive interest fees and other fees of over {$200000.00} was added to mortgage amount of {$150000.00}. Initially approximately {$160000.00} outstanding was the amount reported to the credit bureau until Shellpoint removed that amount and underwriting added over {$200000.00} in fees. Also my attorney, XXXX XXXX with XXXXXXXX XXXX XXXXXXXX XXXX XXXX worked on a modification and the amount stated owed was much less and not over {$200000.00} to add to the back of the loan. The modification was sent to Attorney XXXX XXXX from XX/XX/2020 and it took until XXXX before I received the modification after sending the paperwork to the Shellpoint on four occasions. The fees were excessive and to date I have not received request information from Shellpoint justifying or validating the debt. The response and documents sent was basic to my QWR and the following still remains outstanding XXXX Questions # 3, 5, 6, 7, 8, 9, 10, 11, 12, 13, 23 ) from the Qualified Written Request ( QWR ) to make any of verification. This is violation of Section 1463 ( c ) Shellpoint excessive fees were harmful and increases the mortgage amount and terms of the loan. Intial terms was changes from what was sent in XX/XX/2020 to Attorney XXXX.
Product: Mortgage

I recently received a letter in the mail from Novad Management Consulting stating that after XX/XX/21 I would have a new mortgage loan servicer. However I have never even heard of this company, so I contact my actual mortgage provider and they stated that my loan was not in the process of being transferred to another company and they thought this was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard 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 XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 
Experian, XXXX, XXXX I would like deletion of all inaccurate accounts thank you
Product: Credit card or prepaid card

I applied for a cc with discover 2 weeks ago and got approved instantly. Upon getting the card the first issue is they mailed out a card that they later deleted off of my account. The next issue is they mailed out a second card they cant be activated now it will take 2 weeks for verification process. This company is a hassle, unprofessional, inconsiderate, and lack of communication with the customers. Upon this I closed out my account with this company because their lack of professionalism and care for consumers are beyond low.
Product: Student loan

it was supposed to XXXX out due to me getting in a XXXX XXXX XXXX in XXXX which left me with a broken XXXX XXXX XXXX  so they had to dropped me from my classes then after that I talk to nel net which I was supposed to on the forgiveness plan and now they saying I owe something and its making hard for me to even get a place for me and my kids to have a roof over my head
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Product: Vehicle loan or lease

I had an auto loan account in the amount of {$29000.00} from Wells Fargo on a brand new vehicle that was opened XX/XX/XXXX and closed XX/XX/XXXX when another bank bought out the loan from them. In XXXX of XXXX, I noticed that this loan was missing from my credit report and contacted Wells Fargo. They failed to follow up with me until I went into a local branch in XXXX of XXXX, and a banker was able to escalate my case to a higher up in the company. They stated that the loan was unreported because of an issue with my co-signers address, which they never reached out to fix prior to and I was unaware was even an issue. They did initiate reporting the loan, and it did appear on my report by the end of XX/XX/XXXX as a closed auto loan account. Now, several months later as I am rebuilding my credit and reviewing all accounts on my reports, I am realizing that this loan shows absolutely no reported payment historywhich in turn did nothing to help with my credit. There are at least 10-11 on time payments that are missing from the now reported auto loan. There were several recorded calls between myself and the lender during XXXX and an email that I sent to their credit bureau operations on XX/XX/XXXX. I initiated another complaint via phone call and email to them today, XX/XX/XXXX and will be faxing a credit rating request to them, which is what the customer service representative told me to do.
Product: Checking or savings account

These transactions were deduxted from my account the day I did them and then when I got a direct deposit from work it was deducted again. The bank told me it was because it was just pending and now its being posted. So why was it deducted twice then? Transfers from my checking to savings, the same explanation. Thats a lie and I want people arrested. Now they say I overdrawn {$89.00} and for one, I cant overdraw, thats why its been denied for insufficient funds. Secondly, they are also old transactions. They are deducting from my account twice
Product: Credit reporting or other personal consumer reports

Informed the company that account was open fraudulently and they still will not take off my credit teport
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE GOT A HOLD OF MY PERSONAL INFORMATION. AFTER PULLING MY CREDIT REPORT I NOTICED SEVRAL INQUIRIES OVER THE LAST YEAR THAT II DID NOT APPLY FOR OR AUTHORIES ANYONE ELSE TO APPLY FOR ANY CREDIT IN MY NAME. I HAVE FILED A POLICE REPORT WITH MY LOCAL AUTHORITIES AND HAVE SUBMITTED AN FTC AFFIDAVID IN REGARDS TO THIS MATTER. AND NOW I AM SUBMITTING A COMPLAINT WITH YOU TO HAVE THESE ITEMS REMOVED.
Product: Checking or savings account

On XX/XX/XXXX. The check was cashed for {$740.00} and was written for {$140.00}. XXXX XXXX XXXX made an era by not looking at the written part where you put in the dollar amount but assuming it was {$740.00} by looking at the number that was written in the box The check was sent back first as an overdraft and I contacted U.S. Bank and advised them not to redeposit that check because we went in-person to pay File for Me and paid the client the {$140.00} we owed her because we didn't think the check was going to be resubmitted and it was resubmitted on the XXXX and credited to our account and resubmitted on XX/XX/XXXX as completed as a debit on XX/XX/2021 causing our account to go into negative and enormous overdraft fees. We have been contacting U.S Bank by phone and in person and they keep telling us that the other bankers at U.S Bank made a mistaken filing the claim and we have to open up a new investigation to get you provisional credit and it takes up to 10 days and this is the XXXX time different bankers telling the same old story. We have been waiting for over a month and still the [ problem hasn't been solved causing us some much inconvenience and hardship. Attached is the evidence of the transaction. Thank you
Product: Debt collection

On XX/XX/XXXX, I got approved for a credit card/credit from a XXXX XXXX XXXX XXXX XXXX amount of {$1500.00}. I never used the credit that I was approved for or activated the card. The money was never touched. 

On XX/XX/XXXX, I filed a dispute with XXXX regarding the negative debt that the XXXX XXXX XXXX put on my credit, and it was not removed. I than contacted an attorney on XX/XX/XXXX, regarding this matter and a letter was typed up and sent out to the collection agency. I reached back out to the attorney office on XX/XX/XXXX, and they have not received a response from the collection agency.
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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # 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 an 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: Mortgage

I was a mortgage holder with Freedom last year. I proceeded with a refinance that closed at the end of XXXX, XXXX. For some reason there was an issue between the title company payoff and Freedom. This resulted in an outstanding balance on my account ( which should have been closed ). I received a bill for XXXX XXXX and called Freedom immediately. I was told by the customer rep that it was an error and that the account should be closed. I then received a bill in XXXX and called again. They were 'looking into it. ' After this call I engaged my new lender and their title company that had processed the transaction. I authorized the title company to speak with Freedom on my behalf. This whole issue was supposed to undergo a 'management review ' on XXXX/XXXX/XXXX. This is more than four months after the initial issue. Since that time the review has been pushed back to XXXX/XXXX/XXXX, and as of this writing ( XXXX/XXXX/XXXX ) I have not heard of any resolution. I have spent HOURS on the phone with Freedom trying to resolve this. It needs to be corrected NOW. My credit score has also dropped by over a hundred points since this began.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.