23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT RECEIVED UPDATE ON THE INVESTIGATION, ALSO THEY HAVE BROKEN THE LAWS WITH REPORTING. EQUIFAX AND XXXX have violate the PHIUnder HIPAARules. XXXX is health informationinany form, including physical records, electronic records, or spoken information. Therefore, XXXX includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an XXXX XXXX Account ( XXXX ) with Experian and they have simply stated it is accurate without conducting a proper investigation under FCRA requirements. Anyone that does not know anything about credit can take a look at the reporting of this account and see that there is inaccurate information. I therefore do not believe that Experian even took my dispute seriously. 

This XXXX XXXX Account ( XXXX ) was opened on XX/XX/XXXX. The account status is " charged off/never late ''. Which one is it, charged off or never late? It says {$2900.00} written off yet it shows a {$2900.00} balance. They decided to mark this as a charge off as of XX/XX/XXXX ( without any late payments leading up to a charge off ) so that they can continue to report this account until XXXX instead of XXXX as it should have originally been. 

The first date of delinquency for this account is actually in XXXX. There is a 4 year statue of limitations in Florida and a 7 year from first date of delinquency reporting max per FCRA.

This credit bureau ( Experian ) is allowing inaccurate, incomplete and erroneous information to show on my credit report and just recently cost me a denial for a loan because the bank thought i just charged off an account this past month. Obviously there is a big difference between charging off an account in XXXX vs XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report Number This dispute was opened in XX/XX/2919 It was Identity Theft / fraud where 2 credit cards were opened up with my personal information. The banks issued the credit cards $ XXXX in each card. XXXX XXXX   And XXXX XXXX. 

I still see both in my Experian credit report!!! 

How can I get them removed?? 

Never can reach a real personal n at Experian and Banks never can provide concrete information PLEASE HELP. I always had excellent credit reports and now down to poor.
Product: Debt collection

Debt Validation I am writing in response to the notice of debt you sent me regarding an alleged outstanding balance. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with detailed validation of this debt, including : The amount of the debt. The name of the creditor to whom the debt is owed. A copy of the original signed contract or agreement that outlines the debt, along with the date it was incurred. A complete history of any payments made, including the date and amount of each payment, if applicable. Proof that you are authorized to collect this debt on behalf of the original creditor. Any judgments or other legal action taken in relation to this debt. Please provide this documentation within 30 days as required by law. During this period, I expect you to cease any collection activities, including reporting to credit bureaus or initiating legal action, until the requested validation is provided. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reporting on my file XXXX XXXX XXXX delete currently on lettigation.
Product: Checking or savings account

I have had a continuous unauthorized charge from XXXX XXXX all thru 2019 yet Bank of America refuses to stop the payment. Bank of America stated they can not stop the unauthorized payment. I have contacted the XXXX XXXX  several times about my cancelled membership and to stop payment yet this seems to be a mute point. Currently within a month I have had {$100.00} taken out of my account illegally and unauthorized.
Product: Debt collection

In early 2019, I received a letter from a collection agency, Todd Bremer & Lawson, that was sent to me on behalf of the University XXXX XXXX   at XXXX, regarding a XXXX XXXX that had defaulted. The letter I received from TBL stated I owed a principle amount of {$6300.00} for the original amount of the XXXX XXXX, and that TBL was also seeking over {$2000.00} in collection costs and other fees. In an effort to bring my student account balance in good standing, I submitted a total of {$8.00}, XXXX to TBL to satisfy the debt and associated collection fees.

A few weeks after submitting the payment to TBL to satisfy the defaulted XXXX XXXX I had with XXXX, my financial institution determined TBL illegally accessed collection fees and charges that were not lawful, and that were not explicitly included in the original Borrower 's Agreement. I also asked TBL for proof that the XXXX XXXX funds had been deposited in my account because I was a victim of identify theft between the years XXXX. 

TBL could not provide substantiated documentation to prove I had actually received the XXXX XXXX Funds. As a result, my financial institution determined I was due {$3800.00} to be returned by TBL for failure to execute legal & reasonable collection practices and collection costs. As it stands today, TBL is now claiming I owe them an additional {$4100.00}, which includes {$960.00} for collection costs due to TBL. They are STILL trying to collect illegal collection fees that were not  expressed in my borrower 's agreement. 

This is illegal and is NOT in accordance with FDCPA law : 808. Unfair practices - which state : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Sallie Mae for incorrectly reporting late payment for my daughter student loan account that Im a cosigner. This false negative information has significantly impacted my credit score and purchasing ability. 

Details : My daughters have been a responsible borrowers with Sallie Mae and are currently in school and all accounts should be in defermant on student loan. However, I discovered that Sallie Mae falsely reported a late payment to my daugher account to which Im a cosigner to the major credit bureaus. This incorrect information has led to a drop in my credit score.

Impact : This erroneous report has negatively affected my financial standing and purchasing ability. Specifically : I was denied a purchase and decrease to my credit due to the lower credit score. 
I am now facing higher interest rates on loans and credit cards. 
My overall creditworthiness has been unfairly compromised. 

Attempts to Resolve : Upon noticing the false report, I immediately contacted Sallie Mae to rectify the error. Despite providing proof to their error, Sallie Mae has not corrected the false report. I also recently filed disputes with XXXX, but the information remains unchanged. 

Request for Relief : I respectfully request that the CFPB investigate this matter and take the following actions : Ensure Sallie Mae corrects the false late payment report on my credit file. 
Require Sallie Mae to notify all major credit bureaus of the correction. 
Provide compensation for any financial harm caused by this false report, including higher interest rates and denied credit applications. 
Implement measures to prevent future occurrences of such errors by Sallie Mae.
Product: Debt collection

You noticed a debt account ( LJ Ross, Account # XXXX ) posted to your credit report without receiving any prior notice via mail or phone. To address this, youre sending a debt validation letter to request proof of the debt and ensure its legitimate before taking any action. This is your right under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Mortgage

At the time I purchased the Condo my old last name was XXXX ( I am now married thus my last name is now XXXX ) I purchased a Condo and it is being financed by Citi Mortgage. For many years I was able to maintain on time payments for the Condo as well as the HOA fees. Years afterwards I found myself in a financial hardship due to family issues, I hurt my back and had to miss work and a change of job which had a lower salary. I notified CitiMortgage for a loan modification. After many years and an excessively amount of paperwork they lowered my loan less than a XXXX This was gave me no more relief because I was no longer making the money I had presently been making. So after a year I submitted for another Loan modification, but to no avail. So after much consideration I decided to put it in for a Short Sale. I contacted a XXXX representative named XXXX XXXX and her firm along with XXXX XXXX attempted several times to show and get a buyer for the Condo. At least 3 times we had contracts in and after Citi Mortgage continued to drag there feet and prolong the process each one of the buyers backed out of the contracts. After discussing our other option with our Realtor she informed us that we should contact Citi Mortgage and attempt to get the necessary paperwork to try to do a Deed in Lieu. After many failed attempts to resolve getting rid of the Condo because we can no longer afford this property we are reaching out to you with hopes you can get in contact with them and get us the necessary relief and paperwork to start the process of the Deed in XXXX. Thank you in advance for all your assistance in this extremely urgent and important matter. Also financially we are also now taking care of our XXXX grandkids so we just can not afford the Condo and are trying to save face and just get rid of the Condo respectfully. We do not want to go through a foreclosure so after discussing our legal options we feel this would be best for both parties involved.
Product: Student loan

Received a call from one of their representatives in XX/XX/2018, telling me about student loan refinance and pay off at a lower and more manageable payment. Put me on a payment plan, while mentioning that it would be for my student loans. After a few months, payment of more than 5k to Optima Advocates, they said they were finalizing a settlement action with Student loan servicer and would take a few months to settle. 
Called and emailed in XX/XX/XXXX to get an update, said it was in the process and would email/mail me information sent to my Credit Bureaus and loan servicer, it is XX/XX/XXXX and still have not received information. Called and emailed again XX/XX/XXXX and XX/XX/XXXX, said that the case manager is on leave for medical issues and she is the only one who has access to my file. Called them XX/XX/2018, spoke with quality control manager and told me they are putting my file together to get an accurate information to send to me. They will follow up again on Monday. They have said this multiple times with no updates
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a paid collection with ECMC for {$250.00} back in XX/XX/XXXX. I thought my mortgage company paid off my XXXX XXXX, so I thought back in XX/XX/XXXX. then in XX/XX/XXXX XXXX XXXX contacted me and said I owed {$110.00} along with 2 years in payment coupons. I called many times speaking to reps in another country, they just kept saying I owed the money but could n't tell my why. after about 8 months of fighting with XXXX XXXX, XXXX XXXX then " charged off '' {$250.00} and sent me to ECMC collections. I was finally done dealing with these idiots and paid off the {$250.00} in XX/XX/XXXX. I have been writing to ECMC to please update my credit report to " paid '', instead they are listing my credit report as " failed to pay ''. I just pulled my report on XX/XX/XXXX and they now reported me as 120 days late in XX/XX/XXXX. I feel all this is in retaliation, I even have a letter stating " paid in full '' is n't this illegal? BTW, my credit score is in the XXXX 's however this false report to XXXX has cost me the best possible refinance interest rate, showing that I have a serious delinquency.
Product: Debt collection

I have set up a payment plan with RMS Collections phone number, XXXX, but they called inbetween my set up paydates to ask for money and harras me.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES has been calling me and harassing me non stop, they are disrespectful, they ask for my personal information which I will not provide because I have never done business with this company, I do not have a debt with this company. They don't even tell me for what such " debt '' they are calling me about. Very disrespectful and shady.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern : I am writing to request an investigation of the following information on my XXXX, XXXX and XXXX credit profiles. The charge off of an obligation with Exeter Finance is incorrect. 

Furthermore, Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. Taxpayers who receive the form must report the amount indicated as other income on their tax return. 

Canceled debt must be reported as taxable income on annual tax returns even if the issuer doesnt send a Form 1099-C because the canceled debt is at least {$600.00}. Form 1099-C should be received by XXXX XXXX the year after the debt was canceled or forgiven. Penalties can be applied. All violations by lenders should be reported to the IRS.
Product: Credit reporting or other personal consumer reports

I just pulled my credit report and noticed that my student loan is listed twice making my debt to income ratio higher then it is suppose to be. Account was sold to a different lender. My student loan is currently with XXXX. 

XX/XX/XXXX, XXXXDept of ED/AIDVANTAGE : {$36000.00} XX/XX/XXXX, XXXXDept of ED : {$36000.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported my nonpublic personal information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from the institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am requesting the method each consumer reporting agency use to investigate this account
Product: Credit reporting

XXXX my address is XXXX .those names you have on my report is not me XXXX, and the address thats in XXXX ark every live at that address. that not me please remove off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. 

The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX file # XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report
Product: Debt collection

CENTRL FINCL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX, XXXX, CA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRL FINCL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRL FINCL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

*XXXX XXXX XXXX {$3800.00} Collection REMAINS *XXXX  XXXX XXXX {$730.00} Charge off REMAINS *XXXX  XXXX  XXXX {$310.00} Charge off REMAINS *XXXX  XXXX  XXXX {$0.00} Acct REMAINS
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} - I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, last activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and update this account to reflect legal accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$800.00} - You have no right to continue reporting this account on my Credit File since this account was already deleted from the other Credit Bureaus . Under the Fair Credit reporting Act, Credit reporting must be accurate. I need you to stop this erroneous reporting and delete this account completely from my Credit File. 

XXXX XXXXXXXX XXXX Balance Owed : {$3600.00} - This account was already removed from the other Credit Bureaus therefore must also be deleted from your Credit File. Only if your record keeping had been accurate, this account should have already been removed from my Credit File. Under the Fair Credit Reporting Act, I need you to please remove this account from my Credit File as soon as possible. 

XXXX XXXX Balance Owed : {$0.00} - The following account should be on my credit report, so please give proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

Please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid or update the items and maintain your help in attempting to resolve the current issue.