23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had a US Bank Educational Loan, in the amount of {$5000.00} ; of which I consolidated many years ago. I recently became aware of there being a remaining unpaid balance in the amount of {$230.00} that appears on my credit as a Charge Off. I contacted US Bank, attempting to resolve this matter. I explained to XXXX different representatives that this balance remaining was a result of a Consolidation error, and that US Bank never contacted me regarding this, but now that I am aware of this being on my Credit, I want to resolve, and I offered to pay the balance in full. However, I asked for them to remove/delete the negative reporting from my Credit Report, requesting that this no longer appeared as a Charge Off, if I was to pay the balance in full. US Bank Representatives told me that even if I were to pay the full balance, that they would not remove the negative reporting/Charge Off Status. It would just reflect a {$0.00} balance. Considering this was not an error on my part, but as a result of the Consolidation, I did not think this was a fair remedy. They told me to take my complaint to the Company that Consolidated for the error. I politely explained that another company would not be able to remedy the situation on behalf of US Bank, nor remedy my Credit Report. US Bank can easily see in their records that this was a Consolidation and paid off by another Lender, and that was never a balance I intended to ignore or not pay. I am offering to pay the balance in full, but I needed the account status updated to not reflect a Charge Off, and they are not willing to cooperate. In all actuality, this was not a Charge Off, because they are willing to still accept a payment there in their office, not another company. So it should not reflect Charge Off, if they still have the account with them, and are willing to accept a payment. Upon making the payment in full, US Bank should be willing to update as Paid/Closed account. I would like the CFPB to follow up on this matter, and the unfair Credit Reporting practices of US Bank.
Product: Credit card

I have had this account for over XXXX  years with a {$12000.00} limit. I have always been in good standing and out of the blue, my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I received the findings of a false reporting in my credit report. The credit Bureau Experian was asked to name there source and supply proof of the debt. This was not supplied the private source was never mentioned in the company response. The company also stated that the courts are contacted and this is not truthfull I contacted the courts and due to law they are not able to discuss any debt legitimate or not to any one outside of a consumer. Please remove this false bankruptcy off of my credit profile as the vendor was not supplied as asked and is reporting unverified information as confirmed with the nc XXXX system. The courts provided a document stating that they are not at liberty to report to any credit agency private or public as they are not creditor. This debit is not valid and must be removed immediately.
Product: Debt collection

To Whom this May Concern, Rocky Mountain Capital Management is illegally furnishing inaccurate information on my consumer report. I would like to formally request, in writing, that you CEASE & DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties including XXXX, XXXX, AND ALSO XXXX. Pursuant to 15 6801 ( a ) which clearly states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to RESPECT the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

I have not given your corporation my consent to share my nonpublic personal information. If your corporation claims to have been given permission to share my nonpublic personal information, I also request that the original agreement between myself and your corporation with my signature. In which I opted in to sharing of my nonpublic personal information be furnished to me. If this agreement exist. I would also request to be shown, in that same agreement, where I was clearly and conspicuously presented with the option to opt-out of sharing of my nonpublic personal information a provision of 15 USC 6801 ( a ) which requires financial corporations to notify consumers of their information sharing practices and provide for a right to opt-out of certain sharing. 

Be advised that according to 15 USC 6809 ( 4 ) ( a ), the term nonpublic personal information is defined as personally identifiable information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service preformed for the customer or Otherwise obtained by the corporation Settle this matter or legal action will take place. 
You have 5 days from todays date to remedy this alleged debt. 
Please do not contact me if it does not pertain to this matter at hand. 

Best Regards, Without XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

https : XXXX? XXXX CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt or credit management

Dear CFPB Representative, I am filing a formal complaint regarding my experience with Capital One in attempting to resolve an outstanding debt on my account with a balance of {$420.00}. 

I contacted Capital One on [ insert date you called ] to inquire about paying the balance in full and requested either : 1. A 1099-C form if the debt were to be canceled or settled ( if applicable ), or 2. A Pay-for-Delete arrangement to remove the negative account from my credit report upon payment. 

However, the customer service representatives were unhelpful, dismissive, and unwilling to discuss any potential solutions. I was given short and vague responses, and my reasonable questions regarding resolution options were met with a lack of transparency and cooperation. 

As a consumer, I am making a good faith effort to repay my debt and improve my credit standing. I expected clear guidance and professionalism, but I was instead met with resistance and uncooperative behavior. 

I am committed to fulfilling my financial obligations, but I expect to be treated fairly and respectfully during this process. Your attention and assistance with this matter are greatly appreciated.
Product: Mortgage

Our Mortgage was sold to Freedom Mortgage when we bought our new home. We originally signed on with XXXX XXXX XXXX. The transfer was a nightmare that included misinformation, payment dates, and payment amounts. Freedom dropped the ball in all aspects. 

Then, Freedom Mortgage was late on paying our XXXX taxes. We called to let them know about this issue, we were told that they would handle the late fees incurred. When they got around to paying them ( a month later ), they paid twice and the late fees were charged to our Escrow account. After this payment they conducted an Escrow Analysis, discovered that our Escrow was far into the red. To balance this our Monthly mortgage payment was raised by {$340.00} so they can prevent this from happening in the future. We were in the red because of their double payment. 

We called and notified Freedom Mortgage of the issue, they 're response was that the Escrow Department would look into it and it could take up to 45 days, beyond the date of when the new payment was due. When we inquired about this we were told that if we skipped the increased payment ( which was due to their incompetence ) that we would be charged a late fee and it would negatively affect our credit score, or worse. It was advised that we pay the increased rate until they get the issue worked out on their end. 

So as a consumer, I am to pay for the issues that they caused until they work towards a " resolution ''. This is completely unacceptable.
Product: Debt collection

I temporarily had auto insurance on a temporary vehicle through Progressive XXXX. The policy lasted six months and was paid for and cancelled. Progressive tried to collect beyond this even though the policy was cancelled and not in effect. They were not insuring me for time that was not paid. They claim a balance of {$370.00} and sent to collections via Cane and Weiner. The policy was cancelled XX/XX/2021 fully paid, and in XX/XX/2021 they said I owed {$370.00} but could not provide me with documentation as to how that amount was owed after the policy cancelled while being paid in full.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding XXXX 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent account a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX on my credit report despite my proper notification and submission of required documentation. 

On [ XX/XX/XXXX ] Complaint # XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided XXXX with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Additional evidence linking me to a data breach. 

Despite this, Equifax failed to block the disputed items within the four business days required by FCRA 605B. Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. Equifax 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings.

Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. Equifax 's refusal to comply with this requirement constitutes a direct violation of federal law. 

Equifax failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 

Precedent Case Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 

Equifax 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, Equifax 's failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # -- XXXX, XXXX Account # -- XXXX, XXXX  Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # -- XXXX, XXXX Account # -- XXXX, XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Payday loan, title loan, or personal loan

I applied for and received a payday loan on XX/XX/XXXX for {$300.00}. I was then offered the opportunity to apply for an installment loan and did so on XX/XX/XXXX. The terms I was given for the installment loan seemed predatory so I did not accept and sign for it. 

I soon discovered that I was unable to refinance the payday loan when offered. I received two emails on Friday XXXX and a text message on Tuesday XXXX with offers to refinance online but there was no banner available on the website. I suspected this had something to do with the installment loan application. 

I called to reschedule the payment for the payday loan. It was due XX/XX/XXXX and while I could have paid on that date it was easier to reschedule for later. I also withdrew the installment application. Lo and behold, the refinance banner appeared when the installment loan application disappeared!

This may well be some website weirdness, but it does seem predatory.
Product: Mortgage

I am writing to request assistance in an issue I am having with Selene. I really need my document from XX/XX/XXXX. I believe it will be XX/XX/XXXX. My underwriter has requested it and I can not find my copy. We were supposed to close XX/XX/XXXX and I called XX/XX/XXXX to request copy of this completed document to be emailed to me. The girl I talked to said she would put rush on it because my lender wants it. The sellers are anxious and have already worked with us and now are saying that they can not wait until Mid XXXX to find out if the document arrives. I say mid XXXX because today XX/XX/XXXX, when I followed up the girl I talked to said it was scheduled to be mailed XX/XX/XXXX. 

When I called in Monday I talked to a gentleman that said he would send it to printing and it would likely go out that day. Now I got a letter saying it could take 30 days to review request. The gentleman said he found it and do I dont understand the delay. 

I am begging you for assistance in this matter and praying it does not take 15 days to hear back from you. I can take a unofficial copy. I am renting house I am trying to buy do not getting means I have to move. Please help me. 

I eagerly await your assistance
Product: Debt collection

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days which was not done. 

A certified letter, receipt number : XXXX XXXX XXXX XXXX XXXX was received by your company on XX/XX/XXXX. This is to formally advise you that your company has violated several of my consumer rights. 

Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

Not only have you ignored my prior requests for validation of debt but you continue to report this debt causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

My initial dispute was detailed which included and directly related to the account in question. I also sent an " Affidavit of Truth '' which was not rebutted with an Affidavit from your organization which according to the law you have also defaulted on. Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 " uncontested allegations in the affidavit must be accepted as true ''. 

I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Debt collection

I sent two letters to RADIUS GLOBAL SOLUTIONS LLC located at XXXX XXXX XXXX XXXX MN XXXX regarding my alleged debt which they claim I owe belonging to " account number XXXX. '' In my letter dated XX/XX/2023, I requested a verification of the debt to be performed, along with a full investigation to be completed & reported on, to ensure that the efforts to collect the debt are 100 % correct. I sent this letter to them in response to their letter to me on XX/XX/2023. I stated that " I need to hear from you to make an informed decision about your claim that I owe this money. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. '' Since then, not a single update has been made to mark this account as being in dispute by the credit bureaus, according to a recent credit pull ; nor has RADIUS GLOBAL SOLUTIONS LLC provided any additional information. I still do not recognize this account and since it is a " Collections '' account it is severely hurting my credit score ; lastly, there is nothing to show on the account that it is in dispute, as I have requested. RADIUS GLOBAL SOLUTIONS LLC are legally obligated to report the account as in dispute or to order it be deleted from my record. I am asking that this account be removed from my record, please. See USPS Tracking Numbers : Exhibit A - XXXX ; Exhibit B - XXXX.
Product: Debt collection

Company has not made an attempt to collect this debt prior to placing it for collections and having a negative impact on my credit report.
Product: Credit reporting or other personal consumer reports

Equifax Is in violation of multiple 1970 FCRA Laws : here are the following laws that are being violated By the proof I am about to submit, This shows equifax is continuously violating these Is federal laws : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report.

Definition of 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 ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Aren't you a cooperation? This is against the law forEquifax to report late payments on my consumer report. Please remove this information.

15 USC Section 1681i ( 5 ) states ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681 ) a ) 4 states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b ( a ) states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



Equifax has never received my written consent to furnish this information! 



Here are the accounts in XXXX XXXX is violating : XXXX Account Number : XXXX XXXX XXXX Bank SS Account XXXX XXXX XXXX Bank SS Account XXXX XXXX Financial/ Lead Bank Account XXXX National Credit System Account XXXX XXXX XXXX Account XXXX Kickoff Lending LLC Account Number : XXXX Grow Credit, XXXX Account Number : XXXX First Premier Bank Account XXXX Equifax needs to stop violating federal law. I have more than shown XXXX times now how equifax is continuously Violating federal laws and I demand to action be taken.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}.
Product: Debt collection

There saying that I owe {$2400.00} for a car there saying was under my name when that is not true the only car I have had under my name is the car I have currently and I have has if for about 5 years the man that keeps calling Me has been very rude telling me that I need to pay it or he's gon na sue me in a very aggressive tone he also said that it's on My credit I told him I never had another car so how can I have a debt for a car I never had he then says you need to pay it or there gon na take legal action so call us when you have the money and hangs up. I don't know how my name is associated with this vehicle or how he got my number he has called 4 times very rude
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE NEGATIVE ACCOUNT FOR XXXX XXXX  ( XXXX ), WHICH AFTER SEVERAL ATTEMPTS, I MANAGED TO GET THIS ACCOUNT REMOVED OFF OF XXXX. NOTHING HAS BEEN DONE BY THE OTHER AGENCIES IN REGARDS TO THIS MATTER. THIS ACCOUNT HAS BEEN REALLY AFFECTING MY GOALS AND STANDARDS.