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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION continues to inaccurately report XXXX information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. TransUnion reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also in a previous letter XXXX claimed that the account charged off XX/XX/XXXX but reports that XX/XX/XXXX was the date of last payment. How could this be possible? This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
Product: Debt collection

I am writing to address a serious matter concerning a debt collection attempt made by your agency, Midland Credit Management, which I believe has resulted in a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Today I discovered that Midland Credit Management reported a debt to one or more credit bureaus without ever notifying me of the debt or providing me with proper instructions on disputing it. This action is a direct violation of the FDCPA, which mandates that debt collectors must provide consumers with certain information before reporting a debt to credit bureaus.

I also did some research on the CFPB site and saw that Midland was sued by the CFPB for not having the proper documentation to pursue collection efforts. I am willing to be this applies to my situation as well. 

Specifically, Midland Credit Management failed to adhere to the following requirements under the FDCPA : Notification of the Debt : Prior to reporting a debt to credit bureaus, debt collectors are required to notify consumers in writing about the debt 's existence. However, I did not receive any such notification from Midland Credit Management. As a result, I was unaware of the debt until I discovered it on my credit report.

Instructions on Disputing the Debt : The FDCPA also mandates that consumers be provided with clear instructions on how to dispute the debt if they believe it is inaccurate or incomplete. Unfortunately, Midland Credit Management did not provide me with any information on how to dispute the debt prior to reporting it to the credit bureaus. 

Timeframe for Disputing the Debt : Even if I had received notification of the debt, Midland Credit Management failed to inform me of the timeframe within which I could dispute the debt under the FDCPA. As a result, I was deprived of my right to challenge the accuracy of the debt before it negatively impacted my credit report. 

This failure to comply with the FDCPA has had significant adverse effects on my financial well-being and creditworthiness. I have been unfairly penalized due to a debt that I was not properly informed of and had no opportunity to dispute. 

I demand that Midland Credit Management take immediate action to rectify this situation. Specifically, I request that you : Remove the disputed debt from all credit reporting agencies to which it was reported without proper notification or instruction. 

Provide me with written confirmation of the debt 's removal from my credit reports. 

Cease all further collection activities related to this debt until proper notification and instructions for disputing the debt have been provided in accordance with the FDCPA. 
Please be advised that I am prepared to take legal action if necessary to ensure that my rights under the FDCPA are upheld. I expect your prompt attention to this matter and a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my fourth attempt to resolve this issue with Equifax and XXXX, The student loan that is being reported has inaccurate open dates, I am not disputing the account is not mine, The student loan belongs to me, But what I have been disputing is your report shows that it was opened in XX/XX/XXXX which is false, CRA have stated every time the account is mine and accurate, I have the promissory note that was signed and dated by me, as advised by attorney is try and have date validated again and cause I have tried a few times the FCRA requires the account to be delete, Due to the fact the account has been re-aged. the account was opened on XX/XX/XXXX, as advised the CRA is to investigate and review information provided by creditor reporting using the promissory note that has a date, The promissory note I have will be granted to the CRA in court under discovery if we have to go to court, Again since CRA has had plenty of time to correct and felled to. that this my last attempt before I have attorney file.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
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 ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # 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. 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 given a forbearance during Covid. This is my second mortgage, an equity line, and my primary mortgage has a balance literally five times as large, but that lender gave me an 18 month forbearance, an automatic deferral of the past due including property taxes and insurance. 

With PNC, I thought that the forbearance was for 6 months. I paid something every single month except the first month and gradually worked my way back to full payments. I did not receive notices that anything was wrong. I applied for a modification FOUR TIMES, each time doing all the paperwork and endlessly supplying documents. I would be told my application was complete and then receive a request for more information. As I am a XXXX mom  going through a divorce and working many jobs and trying to survive the pandemic, I would never be able to meet the very short deadline they would give me and I would have to start all over. I called and wrote to them many times BEGGING for help with the application since my applications were always being rejected. 

I finally gave up on the modification and asked for just a deferral of the past due. They said I had to start over the application process. I was afraid to start it again and started paying as much as I could each month, more than the minimum payment. They reported me as having 15 late payments, even though I had never missed a payment, I had just not paid the full amount during the forbearance and the period I thought the forbearance was continuing. They heaped XXXX XXXX DOLLARS of late charges on my bill and this increased the cycle, making it impossible for me to EVER catch up or ever stop being reported as late. 

I filed a complaint and was contacted by the corporate office who told me they could do nothing for me and had done nothing wrong. I asked for help with the deferral application since XXXX previous attempts did not work, and they told me no one could help me. 

I started working XXXX XXXX XXXX  to try to make more money to pay this bill and to be able to feed and house my kids. I am a XXXX XXXX  going through a divorce and this has made my life impossible. My credit score has plunged, all because of what PNC is doing, making it impossible for me to refinance my loan with some other bank. 

PLEASE HELP!!!
Product: Money transfer, virtual currency, or money service

Explaination is in the attched. My direc tdeposit is not acknowledged anywhere
Product: Credit reporting or other personal consumer reports

I am disputing details about a company called Upstart bought/sold by/to XXXX XXXX. I am disputing ever receiving anything from this company. I have the attached credit report with the information highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies Please remove inquiries done by these companies XXXX, XXXX, XXXX XXXX - this company did an authorized inquiries several times on different dates! XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, DEPT OF ED, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing or calling TransUnion since XXXX XXXX. I have done so both by letter and calls on a monthly basis. Letting you know that these accounts are not mine. I do not receive correspondence from Transunion and it is very worrying. 

These are the accounts I don't recognize : XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX I DEMAND REMOVED THIS ACCOUNT
Product: Credit reporting

I disputed a collection account with equifax like I did with transunion and experian, and unlike those XXXX credit bureaus who deleted the collection account, equifax did not properly investigate.
Product: Mortgage

I closed on my home on XX/XX/XXXX. I closed with my employer at the time who was ( XXXX XXXX XXXX ). Approximately 120 days later they made a significant cut in my salary $ XXXX ). Did they know this would be taking place and didn't inform me prior to closing? 

Then in XXXXXXXX XXXX XXXXXXXX I was notified that my property was reassessed for property taxes due to the property changing hands. I knew it may increase but i had no idea it could quadruple. 

I recently was notified by my mortgage servicing company ( Pennymac ) that my escrow account had undergone an escrow shortage analysis. My mortgage payment has increased from {$2700.00} to {$3500.00}. I have to cover the shortage AND pay an additional 20 % padding OR I can come out of pocket $ XXXX + by the end of this month. 

Here is my question... how does any of this satisfy the XXXX? 

If the ability to pay a monthly mortgage obligation includes " expected property taxes ". 

THE KEY WORD BEING " EXPECTED '' See Below : XXXX. Monthly mortgage-related obligations. These obligations include expected property taxes, fees and special assessments imposed by a condominium, cooperative, or homeowners association, ground rent, certain lease payments, and certain insurance premiums and similar charges that are required by the creditor. See 12 CFR 1026.43 ( b ) ( 8 ) and related commentary.

How many other homebuyers has this happened to?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at a copy of my consumer report and noticed some late payments being reported by XXXX XXXX XXXX by law that should be on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. This is how a consumer report should look by law and it doesn't say late payment to be on there in ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; it clear states transactions which late payments are should be excluded from my consumer report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. It is your duty to provide accurate information so I ask that the late payments on the account are updated to show XXXX or XXXX as agreed
Product: Credit card

I was XXXX XXXX XXXXXXXX. I XXXX XXXX  without XXXX XXXX XXXX. While hospitalized I missed credit card payments. Starting XXXX XXXX ( when I received my Social Security ) I started calling my credit card companies. I explained the situation. Every single bank I spoke with ( give in all ) all waived the entire late fee without hesitation. I made full payments in return and brought my account current. 
However, when I contacted Comenity Bank? I was treated to ; passibe aggressive language, being cut off mid-sentance to correct my pronunciation of their bank 's name, and a regressive policy of only waving {$15.00} of the {$40.00} late fee, and the punitive action of reinstating the {$15.00} if I am ever late again. 
I was, also, refused information about Supervisor. I was given her code ( XXXX ) but when I asked for what call center ( not location just an identification ID for my report to the FCC ) I was refused. 
In all my decades of dealing with banks, and credit card companies, I have never been treated withmore disrespect, refused common courtesy extended by all the other credit card companies I deal with, and treated like a dead-beat because I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This company is treating its customers poorly, and perhaps illegally. They are an outlier in the industry and need to be investigated, and possibly fined or penalized.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, a credit bureau must delete accounts off of a credit that is older than 7 years. XXXX XXXX is an account that is showing on my credit report and it's older than 7 years. The FCRA confirms that this account should no longer be showing. When looking on my Equifax portal, there is no option to dispute this electronically. Here are the details of the account : Credit Bureau : Equifax Creditor : XXXX XXXX Account Number : XXXX This account has reached its age limit and must be removed via Fair Credit Reporting Act standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reaching out because there are still items on my credit that don't belong to me. This has been holding me back from trying to help my mom with her prescriptions and also help her to get a car. Can you please help me and remove these items from my account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/DEPTOFED, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.XXXX   XXXX XXXX. There a.re also some inquiries the.ta.re not mine XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

They pulled money from an account that I did not say they had authorization to the account they pulled money from is not in my contract and I didnt not give them ACH authorization for the account the pulled money from
Product: Debt collection

XXXX XXXX Account ( ( a.k.a. XXXX XXXX XXXX, XXXX ). has filed a false and damaging credit status on my credit files for almost two years through a collection company called 'AmeriCollect '. The amount of the false collection billing is {$110.00}. 

On XX/XX/XXXX and XX/XX/XXXX two officers of AmeriCollect contacted me about the same false medical bill of {$110.00}. They requested proof of payment from me at the time of my medical service on XX/XX/XXXX. 

I provided the proof of payments to the collection company, 'AmeriCollect and asked them to remove the derogatory charge of {$110.00} against my consumer credit files as discussed. 

This false credit charge was due to a mishandling of my medical billing/processing by XXXX XXXX. 

Prior to service rendered to me on the reported date of XX/XX/XXXX, XXXX XXXX had to reschedule my medical appointment for the purpose of engaging my Medical Insurance carrier at that time, XXXX and determined the amount due from me as a patient. There was no previous balance remaining on my medical account at XXXX XXXX. 

Few days later, an official of XXXX XXXX called me and informed me that they have contacted my Medical Insurance carrier. I was informed the amount due from me was {$300.00}. 
On the day of the XXXX WITH CONTRAST service, I made two payments of : {$150.00} and {$150.00} to XXXX XXXX. ( Please see attached payment records ). 

Even after providing the proof of payments, AmeriCollect Collection officials persisted to keep the false derogatory charge of {$110.00}. 37 against my credit files. AmeriCollect officials were stonewalling my complaint and surprisingly led me to a non-working contact a billing contact # XXXX for additional help. 

On Monday, XX/XX/XXXX, I contacted XXXX XXXX directly. I discussed the billing issue with a lady called XXXX. She was very cooperative and directed me to contact the correct medical billing office for XXXX at XXXX. The lady at the correct billing office clearly stated that If I have submitted proof of payments, the collection company must remove the derogatory remarks from my credit files. 

AmeriCollect officials continued to resist and stonewall the removal of the false billing charge of {$110.00} from my credit files. I therefore had no other option than to report this incident to the Federal Consumer Financial Protection Bureau. 

Your assistance in this matter will be much appreciated. 

Sincerely, XXXX XXXX XXXX
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. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information being reported by all three major credit reporting agencies : XXXX, Equifax, and XXXX. The account in question is identified as XXXX, with the account number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a 2 ( i ), consumers have the right to dispute inaccurate information on their credit reports. I believe that the late payment reported for XX/XX/2023 on my account is erroneous and in violation of my rights under the FCRA. 

According to my records and the terms outlined in my agreement with XXXX, there were no late payments made for the specified period. The credit report in question clearly states that a consumer report does not include transactions, specifically my payment history. Therefore, any indication of a late payment is incorrect and requires immediate rectification. 

I kindly request that the credit reporting agencies investigate this matter thoroughly and update the status of my account for XX/XX/2023 to reflect an on-time payment. Furthermore, I urge you to take the necessary steps to ensure that accurate information is reported in accordance with the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. 

Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit reports. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX