23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I previously submitted a complaint on worth finance for inaccuracy reporting and they responded back stating that they are reporting in compliance with fcra laws. My credit report is still inaccurate and is reflecting as a recent charge off with late pays being reported after the account was closed and charged off. I attached a picture of my current report showing the inaccuracy that they verified was correct and below is their response to my initial complaint. 

Worth finance said : Explanation of closure Worth Finance Corp ( WFC ) Statement : WFC has provided a redacted Account Reporting Review ( ARR ) Which shows the accuracy in our Credit Reporting regarding XXXX claims. WFC has provided redacted CDV from about XX/XX/XXXX which shows Accuracy in our Credit Reporting. Noting that our First Date of Delinquency shows as XX/XX/XXXX which show favor to XXXX. WFC has verified coding to CRA that show " Completed Investigation of FCRA Dispute- Consumer Disagrees '' XXXX ( XXXX ) opened a New Loan with Worth Finance Corp ( WFC ) on XX/XX/XXXX XXXX terms were 12 monthly payments, 1st payment due XX/XX/XXXX, her pay record is as follows ; XXXX made her first payment on XX/XX/XXXX, the payment covered her XX/XX/XXXX and XX/XX/XXXX payments with remaining applied to Payment due on XX/XX/XXXX. 
XXXX next paid on XX/XX/XXXX ; proceeds from payment along with credited overpayment on XX/XX/XXXX paid her XX/XX/XXXX payment due, however she remained past due for XX/XX/XXXX and XXXX. WFC Charged off her Balance on XX/XX/XXXX. XXXX First Date of Delinquency would be XX/XX/XXXX because although XX/XX/XXXX made and additional payment on XX/XX/XXXX, she never brought the Balance out of Delinquency since XX/XX/XXXX ( First Date of Delinquency ). 
On or about XX/XX/XXXX XXXX sent in a Consumer Dispute Verification ( CDV ) to XXXX stating " This account is inaccurate charge off accounts can only update status as per fcra and it is reporting late payment history on a 4 year old charge off please delete '' WFC investigated the CDV and upheld it per Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

reviewed my consumer reports and I noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint on dates of ( XXXX XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Product: Debt collection

In XXXX of 2017 I was contacted by an extremely aggressive, rude, hostile, and threatening employee of XXXX about a medical debt of which I had no knowledge and did not owe. After trying to resolve the matter ( unsuccessfully due to their threats ) I sent a letter requesting that they cease all contact. The letter was dated XX/XX/2017. 

Today, I received a call from XXXX. The person on the phone who identified himself as XXXX or XXXX XXXX began yelling at me that I owe him {$60.00}. I asked what he was talking about, and tried to identify what he could be referring to as I have done no business with this company whatsoever. He then said " well you really owe us {$120.00}, but since you sent your little letter asking us not to contact you we'll drop it down to {$60.00} ''. I repeated that I had no idea what he was talking about, and then asked for his company 's name and mailing address. He started yelling at me again, then hung up on me. I called back hoping to speak to another person to get the mailing address and to verify the company with which I was speaking. XXXX answered again and said " well we got your letter, so you know our address ''. 

Upon reviewing my files, I noted that I did in fact send a no contact and denial of debt letter to XXXX, and although I have not had any change in my status of not having done ANY business with them nor any company that they represent, they have violated my rights and the Fair Debt Collection practices act. XXXX should be sanctioned to the fullest extent of the law and I want to be compensated for the harassment that I've had to endure in the amount of {$1000.00}.
Product: Debt collection

Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in XXXX. Midland credit management also notified me past the statute of limitations.
Product: Debt collection

The company portfolio recovery has start a campaign of phone call on my cell and home number using a rolling number tactic meant never the same number calling my cell phone has over 20 numbers all listed to portfolio recovery I'm out of work and told them that and when I get job I will contact them they persist on calling 5 to 7 times a day please help
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting information that is incorrect and publishing it on my consumer credit report. I have contacted them several times in reference to this matter and they have not provided the requested information with my signature on it. Also, the balances on the accounts and the payment history are incorrect. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 6048 A, Section 2, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

The following accounts should not show late payments and the status of the account should be positive. 

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 excersiced my rights and made Experian aware of federal law title 15-usc-1681 A-2 Rules Of Exclusion It states reports containing information soley as to transactions or experiences between the consumer and the person making the report are to be excluded. 
They are repoting late payment, collections, remarks, and balances. I asked them to remove these from my report. They have updated the account, witnout removal of information. 
Experian is a third party I asked for A written statement from me for them to report my private information and they could not provide one. This is Identity Theft at its best by law.
Product: Credit card or prepaid card

THIS IS A MUSICIANS FRIEND CREDIT CARD/SYNCHRONY BANK. I RECEIVED THE CARD I BELIEVE IN 2019. I DON'T KNOW FOR SURE BECAUSE THEIR RECORDS ONLY GO BACK 12 MONTHS WHICH IS POOR BUSINESS I THINK. 
I MISSED A PAYMENT ONLY ONCE BECAUSE IT HONESTLY COMPLETELY SLIPPED MY MIND. HOWEVER, BESIDES THAT ONE TIME I HAVE MADE MY PAYMENT ON OR BEFORE THE DUE DATE AND PAID THE MINIMUM PAYMENT AND MORE OFTEN MORE THAN THE MINIMUM PAYMENT. 
MY COMPLAINT IT THEIR SHODDY, INCOMPETENT WEBSITE AND BUSINESS PRACTICES. EVERY MONTH WITHOUT FAIL I GO TO SIGN INTO MY ACCOUNT AND MAKE MY PAYMENT AND EVERY MONTH THE SITE TELLS ME IT'S DOESN'T RECOGNIZE MY PASSWORD. EVERY MONTH I HAVE TO CHAT ONLINE OR CALL AND I'M ALWAYS TOLD I HAVE TO SET A NEW PASSWORD. IN 3 YEARS EVERY MONTH ... .THAT 'S A LOT OF PASSWORDS. 
I KNOW THIS IS NOT MY FAULT AS I'M XXXX AND OLD SCHOOL AND I WRITE EVERYTHING DOWN SO I HAVE THE PASSWORD WRITTEN DOWN, WITH THE XXXX AND ACCOUNT NUMBER. 
THIS BANK SHOULD NOT BE ALLOWED TO PRACTICE UNTIL THEY CAN GET THEIR SERVICES UP TO STANDARDS. 
THANK YOU
Product: Credit card or prepaid card

Fortiva refuses to lower the absurdly high minimum payment. It is currently at {$210.00} a month, which they say is based on the highest balance of the card. The issue with that is that even though the balance is dropping, the minimum payment is not. They make using the credit protection plan impossible, they offer no support or help to lower the monthly payment, and instead of helping when you call, all they do is send you on an endless transfer circle, each department saying the other has to help you. They are leading me to either file bankruptcy again or let the card go to collections because it's just not affordable and it's interfering with my ability to live. To be clear, they have REFUSED to lower my minimum payment and have offered no form of support at all.
Product: Debt collection

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from AMERICAN CREDIT ACCEPTANCE : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further.

-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX grantee, beneficiary All Rights Reserved
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2016. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Debt collection

I was injured at my job. My job didnt pay me any workers compensation. They fired me. 
I was in a super small apartment. Instead of giving me a XXXX bedroom at {$1200.00}, XXXX XXXX XXXX  XXXX XXXX, il tried to keep me in my {$900.00} studio at {$1400.00} after fees for being month to month. My lease had already expired. I put in a XXXX day notice. I left XX/XX/22. 
In the year I had multiple break-ins theft and harassment happen. My car was broken into. Jewelry and identification and cards were stolen. When I asked to have my locks changed they didnt fix them. They left my door in splinters with a key that only had XXXX tooth on it. They added garage fees to the total when I never even received a garage key. 
I dont owe XXXX XXXX  anything.
Product: Credit reporting, credit repair services, 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 XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Bank account or service

Thursday, XXXX XXXX I went to the XXXX XXXX WELLS FARGO XXXX ( XXXX XXXX, NC ) to present a check for deposit into XXXX of my accounts. I have checking, savings and stock accounts for the past 16 years and the amount on deposit is about XXXX times the amount of the check, plenty to cover it. The check was from my brother in another state who is totally incapacitated and was endorsed to me for deposit to be utilized for his expenses. The check was issued by a nationally recognized corporation and drawn on the XXXX XXXX XXXX. The teller and bank manager refused to accept this check for deposit into XXXX of my checking accounts. I said that they could put a freeze on the amount of the check for a period of time, call my brother to verify this deposit but to no avail would they accept this check. I took this check to SOUND Bank a few doors away and presented it. In XXXX minutes they proceeded to accept this check and asked what I wanted to do? Ultimately I asked for a cashier 's check or XXXX so I could walk back to WELLS FARGO and cash it to demonstrate what great service a local, XXXX can provide. I collected my money and went back to SOUND bank to open a new checking account for my brother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of id theft and my personal information was compromised in the XXXX data breach. This bureau received my identity theft report on XX/XX/2018, along with the list of items that were linked to the fraud. 
As per the FCRA they are required to block all fraudulent information within 3 days of receipt of dispute. This was not done, the fraudulent items still plague my credit report. The company has violated my rights under the FCRA as a victim of ID theft. 


Enclosed Copy of disputes received by bureaus Copy of ID theft report
Product: Money transfer, virtual currency, or money service

It says it will not allow 3rd party access any longer. I am unable to transfer money out of my account to a prepaid debit account.
Product: Credit reporting

EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I formally disputed XXXX XXXX XXXX  directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactory reply..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the  name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Help Needed to Correct Credit Reporting Errors Dear Sir/Madam , I am writing to request your assistance in resolving inaccuracies on my credit file. Despite my attempts to address the issue with the credit bureaus, I have not received a response or seen any correction of the incorrect information. 

On XX/XX/2023, I notified the credit credit bureaus XXXX, XXXX, and transUnion about multiple errors regarding my name and address. Unfortunately, the credit bureaus have not taken any action to rectify these mistakes. This situation is concerning as it hinders my access to credit and violates my consumer rights. 

I kindly ask for your intervention to investigate my case and ensure compliance with relevant laws and regulations, such as the Fair Credit Reporting Act ( FCRA ). Specifically, I request that the credit bureaus delete the erroneous information and retain only accurate details. 

My only name Is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Any address or name different the state above should be delete immediately from my credit file. 

I appreciate your prompt attention and support in resolving this matter. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX
Product: Student loan

ACS has not been in contact with me consistently since I needed to start repaying back my loan. When I contacted them, they had the wrong address and updated me on payments. When I called to make my first payment, I was told I qualify for a cancellation, all I had to do was fill out a form and get a paper from my principal that said I was a XXXX at the school I teach at. I mailed in the documents and I was denied. I was then told I needed documentation that was on an official letterhead head, an official seal, & the date signed. I got that paperwork and heard nothing back until I received more documentation two weeks later saying my loan was going into collections. I called and immediately threw a fuss because I had done everything they asked. They told me in order to get it worked out, my principal needed to specifically state " XXXX, '' I protested by saying that no place in America has " XXXX '' teachers and me having to do that was unnecessary. I went back to my principal a third time and requested that pointless piece of documentation and sent it off. I thought I was in the clear until today I check my mail and see that again I am denied because the date on the documentation was incorrect. I am being harassed and threatened. I am being made to feel like I have something to hide and that who I am is not adequate. I have spent the last five years earning XXXX degrees and the amount of titles I hold XXXX would show I am clearly XXXX and an important one. I have been belittled and chastised by ACS and disregarded for. Their communication is lacking, and their flexibility is none-existent. If anything, it seems as though they want me to not go through with this process although I was advised to. Not to mention, all of the information they require is verified by the state. All of my credentials and positions are public record yet they refuse to take that initiative. I am using this time to file a complaint and contacting my lawyer.
Product: Debt collection

Dear Creditor, I am writing to formally request that you stop sharing my personal and financial information with non-affiliated third parties, as permitted under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). I do not consent to the sharing of my information beyond what is legally required for account servicing and compliance purposes and my credit report is also a form of communication Please update your records to reflect my opt-out request and confirm in writing that my information will no longer be shared with unauthorized third parties. If my information has been shared without proper notice or consent, I request an explanation and immediate corrective action. 

Thank you for your prompt attention to this matter. Please provide written confirmation of this request within 30 days. If you need any additional information, feel free to contact me at the details above. 

Sincerely, XXXX XXXX
Product: Mortgage

After several phone calls, emails, mail, and faxes stemming as far back as XX/XX/XXXX, I have to date received no response from Ditech. I was told by a representative of Ditech formerly Green Tree that my supplemental tax bill would be paid out of my escrow account because there was a surplus in my escrow account. Long story short, I was continuously told that the installments were scheduled on time and they were not. I accrued {$420.00} in fees due to Ditech 's mistakes in not paying the tax bills on time, and was adamant in having Ditech credit me the fees that were accrued through no fault of my own. Several Ditech representatives indicated seeing my numerous faxes, emails, and calls documenting my diligence in providing them documents and following up on getting these issues resolved since its inception in XX/XX/XXXX -- to date no response has ever been received. In fact, I have now had my mortgage payment increased due to an escrow " shortage, '' even though they sent me a surplus check in XX/XX/XXXX. Yet when I asked why an annual escrow analysis was done in XXXX and again in XXXX, no one could answer my questions. This to me feels like I 'm being PUNISHED for wanting back monies that are rightfully mine. On XX/XX/XXXX, I emailed Ditech asking why they were issuing out Annual escrow analysis to me in 3 month increments? Well of course the account would be short in the computer, a payment would have just gone out in XXXX for XXXX regular property taxes! My regular payment at the beginning of the loan was {$2800.00} ( {$1900.00} in principal & interest, and {$940.00} escrow for taxes & insurance ), then in XXXX it changed to {$2600.00} ( {$1900.00} Prin & Int and {$710.00} escrow for taxes & insurance ) due to a " surplus, '' and now my XXXX payment went up to {$3000.00} ( {$1900.00} Prin & int and {$1000.00} escrow for taxes and insurance ) due to a " shortage. '' So, my payment went up {$350.00} due to an escrow " shortage, '' but no one can explain to me how, or will even call me back. I have been told for weeks that a supervisor will call me back -- not once have I ever been allowed to speak with one, even after several times of requesting to speak with one. I sought out legal advice and had an attorney write me a letter in the hopes that someone would call me back -- nothing! On XX/XX/XXXX was my final call to Ditech, again I was given the runaround. No supervisor was available for me to speak with, and no one could tell me why my payment went up or why an annual analysis was being done 3 months later from a previous one, or where my darn check was for the fees and penalties! 
It is blatantly obvious Ditech has no intention of paying me back my fees, and even went as far as increasing my payment as punishment for requesting those fees to be credited. To date no one has ever responded.