23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX Bank has confirmed the current amount owed is {$430.00}. I did not agree to pay Asset Acceptance the amount they claim I owe XXXX {$630.00} XXXX, and has verified is correct. The reality that Asset Acceptance has verified an amount that I did not agree to is despicable, and is a violation of the FDCPA section 808 ( 1 )..
Product: Student loan

I am a XXXX XXXX XXXX who is trying to get my loan payments certified for XXXX through Mohela. I have been calling them for the past 4 months to only be told we have received it but it takes 90 days to process. I have called back many times and they keep telling me they have received my application and my employer qualifies as I work in XXXX XXXX. 
I feel that my PSLF is never going to be processed and that they will not count al of my payments that qualify since they are refusing to even look at my paperwork not have they even brought over my loans which they said will happen in order to count my payments. They make you wait for hours on the phone never answering the line and when they do answer you get someone who can never give you any information as they say that they don't have the ability to answer your questions. 
In addition when you go online to check you account there is nothing there for you to check as all you get is a screen that says your account is in good standing and that more information can't be provided to you.
Product: Credit card

I opened a dispute on a transaction for XXXX $ On XX/XX/XXXX with my credit card issuer. They said to give them 60-90 days to finish the dispute process. It has now been 104 days. They will not give me any information as to the progress except to wait longer. I started this dispute because I never received what I paid for. This card was issued by comentity bank.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

5th closed complaint without addressing the issue which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Credit card

On XX/XX/XXXX a dispute was approved for {$83.00} and a letter was provided by Macys/ American express credit card. however this money was never refunded or adjusted to my account because they failed to add this credit on time. Letter states " {$83.00} dispute amount - XX/XX/XXXX We issued a credit for the above amount ( s ), as well as any associated adjustments to fees and interest charges. These will appear on your statement within XXXX billing cycles. 
We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. '' However they never refunded this amount. I have been calling them since XXXX to get this fix ; but their customer service personnel kept me on the phone for hours without solution. On XX/XX/XXXX another Cust service Rep re-open my claim but now Macys/ American Express rejected my claim arguing that it is too late... 
Letter states " Why we're writing you... Thank you for your inquiry regarding the charge made at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$83.00}. 
Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. 
We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. '' They are abusive, take advantages of customer like me because I am XXXX. I pay my bill on time and have a great XXXX XXXX.
Product: Mortgage

My mortgage was being serviced by : AIM Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX I refinanced my loan on XX/XX/XXXX2020 with a different lender. The payoff with AIM was processed by them on XX/XX/XXXX, XXXX day after they received the payment disbursement from the title company on XX/XX/XXXX. That is problem 1. 
I called to inquire about when I could expect to have my escrow refund in the amount of {$2800.00} mailed to me. They stated that their policy is to hold the payment for 15 business days and then it would be mailed to me on XX/XX/XXXX. On XXXX/XXXX/2020, I called to verify that they indeed mailed my refund check. To my surprise, they had not mailed it. They claimed that because there was a hold for regular disbursements XXXX taxes and home owners ) that they for some reason did not recognize the loan was paid off and so did not issue my check after the 15 day hold period. They did state that they would now request that my check be issued, but in order to process that request it would take another 3 business days. So at that point, they will have held my escrow balance for an additional 7 business days beyond the original 15 business day holding period interest free. That is problem 2. This seems to me to be very questionable, and if these so called delays and hold times are typical, they could actually make a decent amount of money just on the interest from the escrow balances on customer 's accounts. This should be taken seriously as this is not their money. They hold it in good faith, and I feel that has been betrayed. Had I not inquired, who knows how long they would have held my money. I escalated to a manager, and he escalated to their escalations team, but said I would have to wait up to 24 hours just to talk to them. I am requesting that they issue my check immediately and overnight the check to me, but I have not been contacted yet by their escalation team. I want this investigated by you so that hopefully this will bring attention to unethical practices and prevent future customers from experiencing at best this poor administration and at worst corporate corruption.
Product: Credit reporting or other personal consumer reports

Went through changing it to try to have this removed from XXXX XXXX being on my credit and harming it and according to the fcra it needs to be removed because it does show closed it has a balance and a pay history and in the remarks it even says closed and they want to leave it there XXXX XXXX  Against all fcra regulations this should be deleted even as a good will deletion. Every time I contact them to dispute it they always come back with the same scenario they contacted them it's correct when it's not and they know it is not.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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/XXXX
Product: Credit card

I reached out on XX/XX/2023 to see what was going on. The only information I was provided was that I had a payment due on XX/XX/2023 for a card opened in XXXX. This information was all that was made available to me. This card was opened under the assumption and explanation that it had it's lump sum amount due 6 months after being charged, and that no payments were due in between. If the card was not paid in full at the 6 month period, all interest was charged retroactively. This is for a Care Credit card. The information was poorly veiled and made to ensure late fees were charged throughout the course of the promotional period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is XXXX XXXX and Trans Union. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, and equifax is reporting account transactions and my identifying information from XXXX  XXXX and XXXX XXXX XXXX XXXX without proper consent. I never gave any written consent to any of the companies for share, transfer, or sell my identifying information. 

All the companies actions have caused a breach and now my identifying information has been exposed. These actions constitute identity theft and criminal activity. 

I am taking the necessary actions to require that the companies cease furnishing and reporting my information.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Big Picture Loans on XX/XX/XXXX. I made my first payment on XX/XX/XXXX because it was a partial payment of {$46.00} because of a hardship. On XX/XX/XXXX I agreed to a payment plan of {$92.00} which consist of 13 bi weekly payments. On XX/XX/XXXX I reached out to account resolutions and explained that the card on file was compromised and that I would be expecting a new debit card by the end the week beginning of next week. The agent I spoke to moved my payment to the XXXX of XXXX. I called that afternoon on XX/XX/XXXX and the agent I spoke to made a new payment plan of {$92.00} beginning on XX/XX/XXXX. I checked my finances and money is very tight I am on a fixed income and I am barely getting by. I have made 8 out of 13 which leaves me with 5 payments remaining. I would like this loan to be closed and settled for what I have paid. I am on a fixed income and I'm barely getting by struggling to make ends meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed : {$110.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This company sold my account after stating it was a charge account. Having a XXXX party also reporting to the credit bureau. Making my credit report have a double of the same account and with different amounts. I did not give permission to any XXXX  parties to get a copy of my credit report. This was done illegally according to the law.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX XXXX Balance : {$280000.00} XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$3800.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect reporting of my name on my credit report from Experian. I have noticed that there are several variations of my name listed, which do not accurately reflect my legal name. I am requesting that Experian update my records to reflect my correct name and ensure that any discrepancies are corrected promptly. 

My correct legal name is 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 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 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 ) These variations are incorrect and do not match my official records. I respectfully request that Experian investigate and update my name on my credit report to reflect the correct legal name as listed above. 

For your reference, I have attached a copy of my NY state-issued ID, to verify my identity and legal name. 

I would appreciate your prompt attention to this matter and look forward to receiving confirmation that my name has been updated accurately in Experians records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX CT XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking and unauthorized credit violations. The information listed below, which appears on my credit report, is the result of that trafficking activity please remove immediately. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2024 Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX, {$14000.00} XXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXX IN, {$940.00} XXXX XXXX XXXX XXXX, {$1000.00} I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

Experian is continuing to report " late '' " past due '' payments for XXXX  account. XXXX XXXX XXXX are reporting " pays as agreed/never late '' which is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$26000.00}.
Product: Credit card or prepaid card

on XX/XX/18 I booked a hotel room with XXXX for 2 nights, I called to cancel the reservation and was given the run around by XXXX. I was told by a representative at XXXX that I had to call the hotel. I was unable to reach the hotel. I called XXXX back and was promised by the person on the phone that it would be canceled. When the charge was not refunded I disputed the charge with my credit card company and it was investigated. I received notice that the dispute was closed in my favor and the temporary credit would now be permanent. a few months later on I got a letter saying my discover card was being recharged the amount of {$220.00} because the merchant, XXXX sent them documentation based on the fact that I did not call to cancel. I have attached this documentation and it is illegible. I disputed again and yesterday I was notified that the charge was found valid. If I had not called and done a no show the XXXX terms state I would be charged 1 night and tax. i am being charged the full 2 nights which goes against the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX  6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting XXXX different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting 2 different credit amounts {$350.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC :
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 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 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. 


XXXX XXXX XXXXXXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. 

XXXX XXXX is reporting inaccurate payments on a closed account. This account negatively showing when its closed
Product: Credit reporting or other personal consumer reports

Different collection agencies are reaching out about XXXX account. Ive asked for proof and havent received anything.
Product: Credit reporting

I pay to get my report from Equifax any time i want. for the last 4 months NO report shows up. every time i call i get a different excuse for it not working. I was asked to send in a copy of my s.s. card and ID. I did that and I still can not see anything. theres nothing showing