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

I have been in contact with Credit Central to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with Credit Central, LLC.
Product: Credit card or prepaid card

On XX/XX/2020 I was charge {$180.00} for rental sevice that I never recieved the rental. So I went through an online service called XXXX. Also, I have reached out to XXXX and they will not refund me back the money. I send over all the documents to my credit card company Capital One to dispute this. That everything was canceled and that I never pick up the rental. They are still charging me for service I never received. I believe this isn't fair charging me for service I never received.
Product: Credit reporting or other personal consumer reports

Fair Collections & Outsourcing received an alleged debt for an apartment lease I cosigned for. While I believe the debt it self is inaccurate, as I only agreed to a one year lease, the biggest issue is them reporting this to my credit report. They are weaponizing the credit report. At no time did they, or their client XXXX XXXX ever report the over 18 months of positive payments made. At no time did they ever say the account was XXXX, XXXX, XXXX or 120 days delinquent. They just simply placed this on my report as a chargeoff, plummeting my credit score.

The use of a credit report and or credit score to collect money is wrong! it is borderline harassment and extortion! 
At no time was I ever made aware there was a delinquency until XXXX months ago, and the tenant I helped has been out of the complex for over 2 years!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

My mortgage was sold by Green Tree to Ditech in 2015. We have been paying our property taxes and insurance through escrow throughout the course of the loan. While the amount of our mortgage did n't change, we received a property tax bill from XXXX in XXXX for $ XXXX for property taxes that had n't been paid for 6 months. Ditech said they were n't responsible for paying escrow. We made a personal payment on XXXX to the XXXX for the entire amount due as we did n't want our home to have liens put on it. THE SAME DAY Ditech made a tax payment also. Now they are saying that we have an escrow shortage and have changed the amount of our monthly payment. We are trying to get our overpayment back from XXXX XXXX as Ditech is now going to be paying our taxes. I read on the consumer affairs website that Ditech has had numerous problems with this Green Tree acquisition some problems similar to ours, others were n't getting their homeowners insurance paid, others did n't have automatic payments taken out they had previously set up and now have a late payment on their credit report. The public needs to be protected from businesses like this. They have the power to do a lot of damage.
Product: Credit reporting or other personal consumer reports

I called and requested that the remove these unknown inquiries. I also provided them with my FTC report from 2022 and updated report from this year in XXXX showing I have been a victim of identity theft after being robbed at XXXXXXXX XXXX  They have removed any of the inquiries.
Product: Credit card

The bill from Lowe 's and Synchrony Bank is completely wrong. I paid my last bill from 2024 well in advance of the due date. But I was charged a late fee. I called and was told the bill would be corrected to show that I owed nothing, and did not pay late. Even thought my balance on the credit card then showed XXXX, I still have been charged several late fees. I called again. To point out the obvious, if the balance is XXXX, then no payment is due. If no payment is due, then why would there be a late fees?? Further, I closed my Lowe 's account and we have no longer have any business agreement.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Consumer XXXX Date of Birth:XXXX SSN : XXXX ID Type : Drivers license ID Number : XXXX XXXX XXXX XXXX XXXX sc XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I made more than 6 transfers from my Chase savings account to my Chase checking account in a statement period and Chase charged me a {$5.00} fee. I sent them a message through online banking on XX/XX/22 and told them I thought the transfer fee was unfair, because there are no more Regulation D reserve requirements and Chase bank doesnt provide a service commensurate with the fee that they charge. I did the transfer between accounts through online banking, so there was no service provided in exchange for the fee. Chase responded and told me they dont charge fees for transfers between Chase accounts, but do charge a fee for more than six transfers in a statement period ( which doesnt make sense ). So then I closed my Chase savings account and transferred the balance to my checking accountand they charged me another {$5.00} fee. I sent them a message on XX/XX/22 and basically got the same response from them. I think the {$5.00} fee for making more than six withdrawals from a savings in a statement period is a junk fee. Theres no point to it. Theres zero service provided in exchange for the fee, and Regulation D no longer restricts the number of transfers that can be made from a savings account in a statement period.
Product: Debt collection

This item was removed in XX/XX/2020 I believe they sold it to another collector and started it all over I havent hat sprint for over ten years ... and it just pop up this year
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Experian ] regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Outdated Address : My current residential address is [ XXXX XXXX XXXX XXXX, XXXX, FL,XXXX while my credit report shows an outdated address of [ XXXX XXXX., XXXX, FLXXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX Fl,XXXX ] I request that my current address be updated accordingly.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A recent utility bill or bank statement showing my current address.
Product: Credit card or prepaid card

On XXXX I applied for a secure credit and deposit XXXX furthermore, I paid XXXX for the card to be expedited. The approval process was taking to long and I request the application to be canceled. Upon canceling my order I spoke to a bank representative and requested for my refund to be send via check. I have made several calls to this bank for refund and till today I have not received my money. On XX/XX/2020 I send a fax stating that I want refund by check as requested by the last rep I spoke to. This request was faxed to XXXX number given by rep.
Product: Debt collection

Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Notification under Section 1692c of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account ending in XXXX, as provided under Section 805 ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ). Section 1692c of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section 1692a ( 2 ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports.

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law. 

I demand that you : XXXX. Immediately cease all communication with me regarding this alleged debt. 
XXXX. Remove the debt from all consumer credit reporting agencies where you have reported this information. 

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section 1692c ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA. Please confirm your compliance in writing within 30 days of receiving this notice. 

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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The most recent letters disputing the inaccurate information on my credit report were sent on XX/XX/2023 and XX/XX/2023. Instead of resolving or removing the inaccurate personal information and accounts ( that I have been disputing and sending letters for 6+ months ), they are completely ignoring my letters that have been mailed over the last 6+ months!

Experian has not mailed any letters or proof/verification of any accounts to me. Experian needs to remove the inaccurate information immediately.

I have submitted multiple dispute letters to Experian, but I have received no resolution. Instead, has not responded to my letters that were mailed in over the last few months, which is a violation of the Fair Credit Reporting Act.

I demand that Experian take immediate action to correct the inaccurate information on my credit report and provide me with a prompt resolution to my disputes. Failure to do so will result in legal action being taken against your company for violating consumer protection laws.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for you willful non-compliance.

For the record, I am attaching the two most recent letters sent to you on separate occasions, more than 30 days ago and again 1 day ago. Items in the letters need to be removed. It has been over 6 months of me disputing this inaccurate information. It is illegal for them still to be on my credit report!
Product: Credit reporting or other personal consumer reports

I was trying to buy a house. I started this process in XX/XX/year>, then come XX/XX/year> my credit was ran again and Carrington mortgage is stating that I am delinquent as of XX/XX/year>. I have contacted Carrington. They said they have not sent anything to the credit bureaus. I even sent them proof of my credit report showing that is showing delinquent as of XX/XX/year> and they have yet to rectify this situation. This has also caused me to lose out on the house. I was trying to purchase.
Product: Student loan

We make payments to our daughters student loans through their website. In the past, it's gone smoothly. However, payments made on XX/XX/XXXX and XX/XX/XXXX, totaling {$3100.00}, have come out of our bank, but they ( EDFinancial ) shows no payments made on their end. They want us to wait 30 days ( THIRTY! ) for a response that they found/applied our payments. Phone hold times are hours long. On several occasions, we've been hung up on once the hold goes through. When we have gotten through their representatives are nice and apologetic. They don't provide a " case # '' in order for us to track progress. Other notes under our account show credits we haven't received yet.
Product: Bank account or service

After a fraudulent check was deposited into my account, the bank closed my accounts and started to proceed against me as though I created the check and was attempting to defraud them. I have banked with them for over 25 years. Despite numerous attempts working with branch managers to try to resolve the issue and restore the money for the check, Loss Prevention and Collections have acted to close my accounts, leaving a balance unpaid. I have tried to pay that balance, my brother has, my sister has. I even came into the bank with cash to pay it, and was told no. I have been told everything from they are taking that amount out of my XXXX Social Security check to they will release my check and anything in between. They rejected my SS check after telling me that they will accept it to pay off the balance and give me the balance. I have been treated rudely, with extreme disrespect. They have reported the incident, and they have refused to give names and positions when I speak to them so I can document what was said by whom. Now I do not know WHERE my SS check is, and the bank will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 15 U.S.C 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose... 
The dates are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Credit Card was opened on XX/XX/2016, Credit limit of {$600.00} and then it was decreased!! to {$300.00} just recently with out any notification!!! my account is in good standing!!!! missed one payment by 2 days due to hospitalization - right after that my limit was cut in half!!! called and the rep thought it was crazy and that they would check into it - that was to no avail. Have not heard anything. I let them know like all my other Creditors that my Credit score would change due to purchases for my new home and that I gave myself 1year and 1/2 to pay off everything and get my score back up, this was explain to them prior to purchase and they informed me as long as payments are made and they were more then minimum. my account would be fine!!! NOT!!!!!!! 

So is this the new norm for what happens when you miss one payment by 2 days!! Because you are in the hospital!!! and when you pay its more then the minimum, or if you purchase furniture and things for new home you are penalized!!! 
even when all of your accounts are in GOOD STANDING!!!!! after all the purchases!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a list of disputes on my report that was ot resolved as per the FCRA. 
1. XXXX. XXXX XXXX XXXX - Account number # # # # # # XXXX Reason # 1 : Date of first deliquency is inaccurate.

Reason # 2 : The account is not mines and is considered FRAUD 3. XXXX XXXX - Account number XXXX Reason # 1 : Date last active is incorrect, shows no date, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Loan type is listed on my account. Cellular services aren't lenders, so how is this accurate? 
Reason 3 # : the previous disputed listed the account marked as a collection on XX/XX/XXXX, but the updated dispute list the account marked as collection on XX/XX/XXXX. Both errors violate FCRA and needs to be removed. 
4. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. Reason # 2 : the account is be reported as " charge off '' on XX/XX/XXXX. How is an account that was paid off before XX/XX/XXXX considered a " charge off ''? 
5. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. Reason # 2 : Recent payments is marked as " {$0.00} '' would is accurate if I have been making my monthyl payment of {$410.00}. 
6. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type shows " charge card '' when ti should be " credit card ''. This error has been ongoing for 4 years. 
7. XXXX XXXX - xxxxxxxxxxxx XXXX Reason # 1 : Account status is reporting as charge off.

Reason # 2 : Date reported is inaccurate.

Reason # 3 : This account does not report on XXXX or XXXX, which leads me to believe this is completely inaccurate due to lack of consistency among the CRA. 

Typiclly, I try and handle things with the CRA themselves, but XXXX has been difficult and given me a difficult time regarding these errors. Accounts needs to be delted for continuous inaccurate reporting. I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed